SMART MONEY MOVES: SOLAR LAND DEALS, PAYING OFF DEBT, AND WHY CREDIT CARDS AREN’T THE ANSWER

On this episode of The Ramsey Show, Dave Ramsey and co-host Jade Warshaw deliver no-nonsense advice to help listeners take control of their money and their future. First, they answer a caller whose land is being eyed for a solar farm—Dave breaks down the smart questions to ask before signing anything that could impact your property for decades. Then, a listener asks whether to pay off his girlfriend’s student loans or his mortgage first, and Dave reminds everyone of the importance of personal responsibility and wise priorities. Another young caller questions if it’s necessary to build credit with a credit card, despite pressure from family. Dave and Jade stand firm—debt is not a tool. A frustrated listener struggling with the Baby Steps wonders where he went wrong, and the hosts offer clear guidance on staying focused and not giving up. The episode also features a married couple navigating tension over their tight budget. Dave and Jade talk through how to set boundaries while still enjoying life. Finally, a high-income earner asks whether to pay off commercial or personal debt first, and Dave explains how to tackle both strategically. It’s a fast-paced, truth-filled episode that cuts through confusion and helps people live with freedom and confidence.