FROM DROWNING IN DEBT TO FIGHTING BACK: REAL CALLERS GET LIFE-CHANGING FINANCIAL ADVICE

On this episode of The Ramsey Show, Dave Ramsey and George Kamel tackle tough financial questions with bold, no-nonsense advice. A caller asks if they should settle with the creditor who took their repossessed car, while another wants to know how to break free from risky real estate investments. Dave and George also talk with a young listener who’s just 25 years old and drowning in $165,000 of debt—and they don’t sugarcoat the truth. Meanwhile, a 64-year-old facing $70,000 in IRS debt and no retirement savings gets a wake-up call and a plan to fight back. The hosts also explain the difference between appreciating and depreciating assets—why homes usually go up in value while cars don’t. And for the folks wondering when it’s okay to splurge on a vacation, Dave and George give honest, practical advice that balances financial wisdom with the need to enjoy life responsibly. Whether you’re in your 20s or approaching retirement, this episode offers real talk and real solutions to help you take control of your money and your future. The Ramsey Show is your daily dose of common sense, truth, and hope in a world that often pushes the opposite.