Conquer Debt and Fix Your Finances: Mortgage Help, Budgeting, and Relationship Money Advice

In this powerful episode of The Ramsey Show, financial expert Rachel Cruze and mental health specialist Dr. John Delony deliver life-changing advice to callers facing major financial and personal struggles. They guide a woman who feels trapped by a mortgage she can’t afford after divorce, offering bold steps to regain control. Another caller wrestles with the emotional and financial pressure of choosing between staying home with her son or returning to work—Rachel and John break it down with clarity.
A listener asks if buying a home with her boyfriend is a smart move, and the hosts give a firm reality check on protecting finances and the future. Parents stuck in Baby Step 2 wonder how to budget for expensive kids' travel sports—Rachel and John reveal smart strategies to stay on track with debt payoff while still supporting their child’s dreams.
A wife struggling with trust issues about joint bank accounts opens up, and the hosts dive into the deeper relationship concerns while stressing the importance of unity in marriage and money. Finally, a small business owner feels their partnership is uneven—Rachel and John deliver hard-hitting advice on setting boundaries and making business fair.
This episode is packed with proven solutions to real-life money problems, helping listeners fight debt, build wealth, and strengthen families.