ESCAPE THE DEBT TRAP: DAVE RAMSEY, GEORGE KAMEL & RACHEL CRUZE SHARE REAL STRATEGIES

On this episode of The Ramsey Show, Dave Ramsey is joined by George Kamel and Rachel Cruze to tackle some of the most pressing financial challenges everyday Americans face. A caller struggling with $94,000 in debt wants to know if bankruptcy is the only way out. Another is desperate to leave a toxic job but fears losing income before finding something better. A young couple is overwhelmed trying to juggle student loans, a car payment, and saving for their first home. George and Rachel offer real, no-nonsense advice about budgeting, cutting out unnecessary spending, and building financial peace—step by step. The team also discusses why keeping up with appearances on social media leads people to live beyond their means, and how strong personal values can help families make better decisions with their money. Dave reminds listeners that debt isn’t a tool—it’s a trap—and anyone can escape it with discipline and hard work. Whether you’re just starting your financial journey or trying to correct years of money mistakes, this episode delivers hope, clarity, and practical tools to get back on track. Learn how to take control of your finances and your future—one wise decision at a time.