DAVE RAMSEY GIVES TOUGH LOVE AND SMART FINANCIAL ADVICE

On The Ramsey Show, listeners hear real people ask tough questions about money, life, and the future. Hosted by Dave Ramsey and his team of trusted experts, the show gives clear, no-nonsense advice to help people take control of their finances and build strong foundations for their families. In this episode, a caller shares how they made nearly $200,000 but have nothing to show for it—proof that high income doesn’t fix poor spending habits. Another listener wants to know what to do when their car is worth $20,000 less than what they owe, while someone else wonders if they should stop investing to save for a home. Dave gives strong answers based on time-tested financial principles like living below your means, avoiding debt, and saving with purpose. The team also tackles whether it's smart to cash out a life insurance policy to pay off a house and whether taking out a loan to buy a campground is a wise idea. Listeners come away with tough love, practical steps, and hope for turning their lives around. The Ramsey Show cuts through the noise and reminds people that smart decisions, discipline, and personal responsibility are the real keys to financial peace.