About this episode
🤔 Think you’re good with money? Take our Money in America quiz! Dave Ramsey and Rachel Cruze answer your questions and discuss: "As a single mom, what is the best way to get rid of a day care debt that is past due?" "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?" "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?" "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?" "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?" "How do you pay off your credit cards when the minimums are half my take-home pay?" Next Steps: ✔️ Help us make the show better. Please take this short survey. 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email . 📱 Get episodes early in the free Ramsey Network app! 💵 Start your free budget today. Download the EveryDollar app! 🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! 🏠 Get organized and prepared to buy or sell a home. 🛡️ Get trusted insurance coverage that fits your budget 📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! Connect With Our Sponsors: Stop paying more and start shopping smarter at ALDI . Get 10% off your first month of BetterHelp . Go to Boost Mobile to switch today! Go to Casper Sleep and use promo code RAMSEY to learn more. Learn more about Christian Healthcare Ministries . Get started today with Churchill Mortgage . Get 20% off when you join DeleteMe . Go to FAIRWINDS Credit Union for an exclusive account bundle! Find top health insurance plans at Health Trust Financial . Use code RAMSEY to save 20% at Mama Bear Legal Forms . Visit NetSuite today to learn more . For more information, go to SimpliSafe . Get started with YRefy or call 844-2-RAMSEY. Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices