WHEN THE BABY STEPS FEEL BROKEN: DEBT, MARRIAGE TROUBLES, AND FINDING FINANCIAL FREEDOM

On this episode of The Ramsey Show, Dave Ramsey and his team tackle real-life financial struggles that hit close to home. A caller shares his frustration that the Baby Steps plan isn’t working and asks what he might be doing wrong. Dave reminds him that success takes both discipline and patience—and that the steps work if you stick to them. Another caller wants to know how to balance a tight budget when his wife feels it's too restrictive. The hosts walk through how to set healthy boundaries on spending while still making room for fun. Then, a high-income earner calls in with a mountain of debt and asks whether he should pay off commercial or personal debt first. Dave cuts through the confusion and explains how to make a smart plan that actually works. Finally, a heartbreaking call comes in from someone with no savings, $50,000 in debt, and a marriage on the rocks. The team offers not just financial guidance, but hope. With strong advice, clear answers, and no-nonsense wisdom, this episode shows that no matter how deep the hole, there’s always a way out—if you're willing to fight for your future.