Best Podcast Episodes About The Ramsey Show
Everything podcasters are saying about The Ramsey Show — curated from top podcasts
Updated: Apr 10, 2026 – 63 episodes
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Ridealong has curated the best and most interesting podcasts and clips about The Ramsey Show.
Top Podcast Clips About The Ramsey Show
“… worries are a 10 and your math is a 1. Or let's be as logical as humanly possible right now. Who do you think knows more about this situation Dave Ramsey or your three little buddies at home No I get it Okay There you go That it Honey you need to breathe You need to breathe You okay You are in great shape You have done a wonderful job I don know what the house is worth If it worth a million you're in Seattle, it probably is. And you got a million dollars. You're a multi-millionaire. It's 62. I want you to concentrate on fighting cancer, not arguing about whether you should it paid off your house …”
“… wouldn't celebrate what somebody else views as a personal accomplishment. And it's zero detriment to them. Okay, but I still have like a $600 a month HOA, so I have a lot of expenses. Hey, Mia, your worries and your math don't add up. Okay, okay. Your worries are a 10 and your math is a 1. Or let's be as logical as humanly possible right now. Who do you think knows more about this situation Dave Ramsey or your three little buddies at home No I get it Okay There you go That it Honey you need to breathe You need to breathe You okay You are in great shape You have done a wonderful job I don know what the house is worth If it worth a million you're in Seattle, it probably is. And you got a million dollars. You're a multi-millionaire. It's 62. I want you to concentrate on fighting cancer, not arguing about whether you should it paid off your house or not. I want you to go beat it. Go beat the big C and live your life, kiddo. Wow. Matthew's in Phoenix. Hey, Matthew, how are you? Good. How are you doing today? Better than I deserve. What's up? So my question for you is, I'm recently going out on my own business-wise. I'm in home remodels. I've been doing it for a long time. I'm just trying to …”
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Taking on debt can derail your business dreams, as highlighted by financial expert Dave Ramsey. He advises a new home remodeler, Matthew, to continue cash flowing his expenses instead of taking out a small business loan, emphasizing that debt can lead to working with difficult clients and ruin the joy of running a business. By staying debt-free, Matthew can focus on his passion and maximize his profits.
“It's huge. Key role. It's huge. Let me tell you, the fact that Sharon Ramsey was there and was a solid rock and wasn't high maintenance allowed me to go do this Ramsey thing. This Ramsey thing wouldn't be there if I had to run home and do maintenance all the time. She never said, wait till your father gets home. They were hoping he was going to get home. It's a relief. Maybe he'll save us. Daddy will save us. No, I'm serious. I mean, there was no need. Yes, I did my part as the dad, but I'm telling you, the value that …”
“It's huge. Key role. It's huge. Let me tell you, the fact that Sharon Ramsey was there and was a solid rock and wasn't high maintenance allowed me to go do this Ramsey thing. This Ramsey thing wouldn't be there if I had to run home and do maintenance all the time. She never said, wait till your father gets home. They were hoping he was going to get home. It's a relief. Maybe he'll save us. Daddy will save us. No, I'm serious. I mean, there was no need. Yes, I did my part as the dad, but I'm telling you, the value that she did there is a thing. And I'll leave you this last one thing, and that is Proverbs 31. Who can find a virtuous wife for her worth is far above rubies Wow And her husband safely trusts her and he will have no lack of gain You want no lack of gain? Get you a Sydney. I'm telling you, if you get a Sydney, you're going to have no lack of gain. You …”
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A solid partner can make all the difference in achieving your goals. Dave Ramsey highlights how his wife, Sharon, provided unwavering support, allowing him to focus on building his career without distractions. This partnership exemplifies the value of trust and teamwork in navigating life's challenges.
“… what you think it is. That's what I was trying to dig around and find out. We were not against your idea We just trying to figure out why The debt show She like Dave Ramsey going to love this I going to be debt It going to be an automatic yes And we took the whole segment for you Elizabeth There you go. Either way, you're great.”
“… I'm... And I don't have a pantry. And I don't have all this. And I can't, you know, the stress level of four large teenagers in this house that's approximately half the size is different. I mean, I'm okay with it, but I'm not sure if the trade-off is what you think it is. That's what I was trying to dig around and find out. We were not against your idea We just trying to figure out why The debt show She like Dave Ramsey going to love this I going to be debt It going to be an automatic yes And we took the whole segment for you Elizabeth There you go. Either way, you're great.”
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Downsizing from a 3,200-square-foot house to a 2,000-square-foot one might seem like a good idea, but it could lead to unexpected stress. A couple grapples with whether sacrificing space for family harmony is truly beneficial, especially with four teenagers in a smaller home. The discussion reveals the complexities of family dynamics and the hidden costs of downsizing.
“In the lobby of Ramsey Solutions on the debt-free stage, Addison and Autumn are with us. Hey, guys, how are you? Good. How are you doing? Better than I deserve. Where do y'all live? We live in Lancaster, Pennsylvania. Fun. Welcome to Nashville. And how much debt have you two paid off? We paid off $184,000. Goodness! How long did that take? 32 months. Wow. And your range of income during that time? It went from $127,000 to $200,000. Excellent. What do you two do for a …”
“In the lobby of Ramsey Solutions on the debt-free stage, Addison and Autumn are with us. Hey, guys, how are you? Good. How are you doing? Better than I deserve. Where do y'all live? We live in Lancaster, Pennsylvania. Fun. Welcome to Nashville. And how much debt have you two paid off? We paid off $184,000. Goodness! How long did that take? 32 months. Wow. And your range of income during that time? It went from $127,000 to $200,000. Excellent. What do you two do for a living? I work in a family business doing drywall. And I'm a wedding photographer. Awesome. And you're making a couple of hundred a year between those two. Excellent. What kind of debt was the $184,000 in 32 months? Our house. You paid off your house you two weirdos how old are you guys i'm 26 i'm 27 and you paid off a house yeah i just i can't …”
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In just 32 months, a young couple from Lancaster, Pennsylvania, managed to pay off their $184,000 mortgage, defying the stereotype that homeownership is unattainable for Gen Z. With incomes rising from $127,000 to $200,000 and a strong foundation in financial principles from their parents, they achieved financial freedom early in their marriage. Their story shows that with the right mindset and planning, significant financial goals can be reached at a young age.
“… i managed to avoid that one mistake i just can't see you hauling down 65 and a giant rv you don't see me people driving by going i think Gustave Ramsey. Driving that Winnebago. You're waving at people as they drive by. Chevy chasing it. I don't know. I'm not a snob. I just never had that one. And I never bought a trailer. I never bought a mobile home either. That's another one. Same concept on the mobile home as well. Most people are buying something new, so therefore low demand. And they just go down in value like a rock. They're just horrible. Horrible. You can't get out of them. You get …”
“… just one i mean i bought almost everything else with wheels and motors at one time or another and have done some really really dumb deals on those processes but the one i've never bought i never bought a never bought a camper never bought an rv somehow i managed to avoid that one mistake i just can't see you hauling down 65 and a giant rv you don't see me people driving by going i think Gustave Ramsey. Driving that Winnebago. You're waving at people as they drive by. Chevy chasing it. I don't know. I'm not a snob. I just never had that one. And I never bought a trailer. I never bought a mobile home either. That's another one. Same concept on the mobile home as well. Most people are buying something new, so therefore low demand. And they just go down in value like a rock. They're just horrible. Horrible. You can't get out of them. You get stuck in them. And poor Michael's just stuck, stuck, stuck. Man. well you are wise to be asking questions about it and to be gathering information and try to make the best decision you can and then just roll up your sleeves and live on nothing no eating out no vacations until we get the rv paid off that's an irony no vacations until we get the rv paid …”
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Buying an RV can lead to devastating financial consequences, as one couple discovered when they faced a $48,000 IRS bill and overwhelming debt. Dave Ramsey advises them to sell the RV, sign a note for the difference, and work multiple jobs to pay off their $43,000 credit card debt within a year. The lesson? Understand what matters most financially before making big purchases like an RV.
“Welcome back to the Ramsey Show in the Fairwinds Credit Union studio. Ken Coleman, Ramsey personality, host of the Front Row Seat Show on the Ramsey Networks. He's my co-host today. Josh is in Charlotte, North Carolina. Hey, Josh, how are you? I'm great, David. It's a pleasure to talk to you. You too, man. What's up? So I had a question. We're in okay shape financially, the wife and I. We have combined finances. And I've got some extra side hustle cash that I've got coming …”
“Welcome back to the Ramsey Show in the Fairwinds Credit Union studio. Ken Coleman, Ramsey personality, host of the Front Row Seat Show on the Ramsey Networks. He's my co-host today. Josh is in Charlotte, North Carolina. Hey, Josh, how are you? I'm great, David. It's a pleasure to talk to you. You too, man. What's up? So I had a question. We're in okay shape financially, the wife and I. We have combined finances. And I've got some extra side hustle cash that I've got coming in. And usually I just use that to play golf or buy some beers or whatever. And, you know, no questions asked. But I want to start, like, surprising her maybe with a trip here or there, just something that's a little bit more than just, you know, you don't pay for it in cash. You might need a debit card or something like that. So I guess my question …”
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Want to surprise your spouse without complicating your finances? A listener asks how to use his side hustle cash for surprises while keeping their budget intact. The solution? Create a 'surprise fund' in your budget to ensure the money is allocated without ruining the surprise itself.
“… of this blessing. That's all I want. I bet the HOA over there is as much as a mortgage payment in the city. Could be. Hey guys, I've got big news. The Ramsey Show is going on tour and this is your chance to be more than just a listener. You get to be part of the show. So hear questions asked live and experience the kind of momentum that only comes from being in the room. We'll be in Charlotte, Denver, Phoenix, and Anaheim with a limited number of seats in each city. So last fall, we completely sold out in 72 hours. So do not wait. Get your tickets at ramsaysolutions.com slash events or by clicking the …”
“… book on how to avoid all the traps. and get with the every dollar budget, and we'll help you guys get this started and then let her get back out there on her own two feet. But, yeah, I want her to promise that she's not going to make a mess out of this blessing. That's all I want. I bet the HOA over there is as much as a mortgage payment in the city. Could be. Hey guys, I've got big news. The Ramsey Show is going on tour and this is your chance to be more than just a listener. You get to be part of the show. So hear questions asked live and experience the kind of momentum that only comes from being in the room. We'll be in Charlotte, Denver, Phoenix, and Anaheim with a limited number of seats in each city. So last fall, we completely sold out in 72 hours. So do not wait. Get your tickets at ramsaysolutions.com slash events or by clicking the link in the show notes.”
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A retired couple decides to buy an apartment for their daughter while they're still alive, aiming to secure her financial future. They discuss the importance of teaching her financial responsibility and avoiding debt, even jokingly suggesting a 'moral contract' to ensure she doesn’t misuse the gift. This thoughtful approach highlights the balance between generosity and financial wisdom.
“Welcome back to the Ramsey Show in the Fairwinds Credit Union Studio. Jade Walsh, our Ramsey personality, number one best-selling author, is my co-host today. Nicole is in Detroit. Hi, Nicole. How are you? Hi, Dave. I'm good. How are you? Better than I was. Better than we deserve. How can we help? Yeah so I was calling So basically my husband has refused to put like give me financial visibility into his life He has put his foot down like you know literally like no you cannot …”
“Welcome back to the Ramsey Show in the Fairwinds Credit Union Studio. Jade Walsh, our Ramsey personality, number one best-selling author, is my co-host today. Nicole is in Detroit. Hi, Nicole. How are you? Hi, Dave. I'm good. How are you? Better than I was. Better than we deserve. How can we help? Yeah so I was calling So basically my husband has refused to put like give me financial visibility into his life He has put his foot down like you know literally like no you cannot see anything that I have going on financially I can tell you about it, but you can't know anything that's going on. And the reason why it happened is we were in a position to buy a home, and the housing counselor and the lender that we were working with asked about our finances. And I found myself saying, well, I don't know. Hold on. Let me ask my …”
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A woman reveals her husband's refusal to share financial details, claiming it threatens their unity. As tensions rise, she confronts the irony of his impending divorce, which will force him to disclose everything he hides. This situation highlights the critical need for transparency in relationships and the consequences of financial secrecy.
“… of the Browns being dominant would work ever, but at least today, you could watch the games on TV. They'd be like, oh, I'm always going to see a show when the Browns are playing. That wasn't the case back then. You had to get butts in seats. That was the only way you were going to make money. This becomes a feedback loop. If you don't make money as a team, you can't afford to put a quality level of play on the field, which further tips the competitive dynamic out of balance. Totally. And if you have a league that figures out how to make sure that it's always competitive, and when I say …”
“… after the war, the install base of TV was just starting to roll out across America. So this is still an in-person game. And so the business model of professional sports was ticket sales, in-person attendance at the games. I don't think the AAFC model of the Browns being dominant would work ever, but at least today, you could watch the games on TV. They'd be like, oh, I'm always going to see a show when the Browns are playing. That wasn't the case back then. You had to get butts in seats. That was the only way you were going to make money. This becomes a feedback loop. If you don't make money as a team, you can't afford to put a quality level of play on the field, which further tips the competitive dynamic out of balance. Totally. And if you have a league that figures out how to make sure that it's always competitive, and when I say always competitive, what that translates into from a business perspective is, let's say every stadium has 40,000 seats and you have eight teams. That means you have the capability to sell 160,000 seats every weekend. And your goal is to sell 160,000 tickets every single weekend. And so what you basically need is to make sure that it's always a great …”
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Bert Bell, the newly appointed NFL commissioner in 1946, faced an existential threat from the rival AAFC and devised a bold strategy to ensure the NFL's survival. He understood that to compete, the NFL needed to improve its product, reach new fans, and maintain competitive balance, leading to crucial changes that shaped the league's future. This pivotal moment in sports history highlights how competition can drive innovation and equality in professional sports.
“… maybe in 50 years. But either way, you need to sleep better knowing that your family's protected and our friends at Xander will hook you up. This show is sponsored by BetterHelp. As we head into the new year, I want you to take an inventory of all the stuff you're carrying, all those things you think you have to do, all the past hurts and pains along with your past guilts and shame. When the world feels heavy, it's important to look in the mirror and consider setting down that old weight and not carrying it forward into 2026. Therapy can help you identify the heavy stuff, set it down and move …”
“… done about 10 to 12%. And so that's the reason for life insurance. That's the mechanics of it. And it doesn't take long. I know it feels like, well, I'm going to die sooner if I get life insurance. No, you're going to die regardless. Maybe tomorrow, maybe in 50 years. But either way, you need to sleep better knowing that your family's protected and our friends at Xander will hook you up. This show is sponsored by BetterHelp. As we head into the new year, I want you to take an inventory of all the stuff you're carrying, all those things you think you have to do, all the past hurts and pains along with your past guilts and shame. When the world feels heavy, it's important to look in the mirror and consider setting down that old weight and not carrying it forward into 2026. Therapy can help you identify the heavy stuff, set it down and move forward with clarity so you can focus on living the life you want to live in the new year. If you're thinking about therapy, I recommend BetterHelp. With over 30,000 therapists, BetterHelp is one of the leading online therapy providers in the world, trusted by millions with an average rating of 4.9 stars out of five. And it's easy to fit into your …”
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Life insurance is crucial for parents, as it replaces lost income and provides security for families in case of unexpected events. Many mistakenly believe their work policy is enough, but that often falls short. Investing in a term life policy can ensure your loved ones are financially protected, allowing you to sleep better at night.
“… You start with the classic one, Wynab. But everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. …”
“… world is that stripping? There needs to be a bag in stripping. Hey, I've been to a strip club twice. I didn't look at the bag someone had in their dressing room. In fact, I look at their titties. You suck with money. So you download a budgeting app. You start with the classic one, Wynab. But everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. is download it now start the free trial dollarwise.com link in the description below that's kind of stupid i'll be honest but what's not is actually getting a checking account that gives …”
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In a candid discussion, a couple reveals their challenging financial situation, including their struggles with budgeting and debt. They humorously navigate the complexities of personal finance, mentioning the allure of designer items and the reality of budgeting conversations in their household. This highlights the often-overlooked difficulties many face in managing their finances amidst societal pressures.
“Hey, everybody. I'm here with Armando Lopez. And Armando, you lead all of HR for Ramsey. Isn't that right? That's correct. You've got your fingers in all of the hiring stuff, too, and really have helped develop our approach to hiring. And I'd love to talk about that today. Excellent. What would you say our approach to hiring is? Hire the right people. Hire the right people. Yeah, man, that's the single, everybody will tell you that, right? Yeah. So you want to hire the right quantity of people for the growth that you're …”
“Hey, everybody. I'm here with Armando Lopez. And Armando, you lead all of HR for Ramsey. Isn't that right? That's correct. You've got your fingers in all of the hiring stuff, too, and really have helped develop our approach to hiring. And I'd love to talk about that today. Excellent. What would you say our approach to hiring is? Hire the right people. Hire the right people. Yeah, man, that's the single, everybody will tell you that, right? Yeah. So you want to hire the right quantity of people for the growth that you're forecasting, and you want the right quality of people so that you don't have people issues down the road. I'd love to get into some of the things that we do that maybe not everybody does or some things that we would suggest people do that they're maybe not doing. But before we do that, could you just kind of walk us through from a high-level perspective, …”
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Hiring the right people is crucial for business success, and Ramsey's unique approach focuses on five key qualities: humility, hunger, intelligence, skill set, and cultural fit. By communicating core values early in the hiring process, candidates can self-select, ensuring a better fit and faster onboarding. This method contrasts sharply with typical hiring practices that overlook cultural alignment.
“… Go to churchillmortgage.com today and start your plan. This is a paid advertisement. NMLS ID 1591, nmlsconsumeraccess.org, Equal Housing Lender. The Ramsey Show question of the day is brought to you by Why Refi? You don't have to stay stuck in a defaulted private studio loan forever because Why Refi helps borrowers take back control with affordable refinancing options that actually work. Learn more at whyrefi.com slash Ramsey. That's Y-R-E-F-Y.com slash Ramsey. Not available in all states. Alrighty, today's question comes from Sarah in New Jersey. She says, my spouse thinks that line items in every …”
“… plan to buy or refinance a home the smart way. So don't let the market or headlines or experts on the internet tell you when you're ready to buy or refinance a home. You can decide that with guidance from a team who actually cares about your future. Go to churchillmortgage.com today and start your plan. This is a paid advertisement. NMLS ID 1591, nmlsconsumeraccess.org, Equal Housing Lender. The Ramsey Show question of the day is brought to you by Why Refi? You don't have to stay stuck in a defaulted private studio loan forever because Why Refi helps borrowers take back control with affordable refinancing options that actually work. Learn more at whyrefi.com slash Ramsey. That's Y-R-E-F-Y.com slash Ramsey. Not available in all states. Alrighty, today's question comes from Sarah in New Jersey. She says, my spouse thinks that line items in every dollar should be a sinking fund because if we don't use the money that month, it rolls over the next month for future use. Okay, this includes things such as utilities, insurance, food, and spending. I've tried to explain to him that some things can be a sinking fund such as HVAC replacement, vacations, or savings for a vehicle, but normally monthly …”
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Budgeting every expense as a sinking fund is a common mistake that can lead to confusion and financial chaos. Instead, sinking funds should only be used for larger, infrequent expenses like vacations or home repairs, not monthly bills. Understanding this distinction can simplify your budgeting process and help you manage your finances more effectively.
“When I talk to people on The Ramsey Show, 90% of the problems I hear come down to one thing, not having a plan. They're not living on a budget. They have no idea where their money's going. Money is just happening to them instead of them happening to their money. And guys, that is so normal, but it doesn't have to be normal for you. And that's why I want you to go download our EveryDollar budget app. EveryDollar not only helps you tell your money where to go with a budget, it also …”
“When I talk to people on The Ramsey Show, 90% of the problems I hear come down to one thing, not having a plan. They're not living on a budget. They have no idea where their money's going. Money is just happening to them instead of them happening to their money. And guys, that is so normal, but it doesn't have to be normal for you. And that's why I want you to go download our EveryDollar budget app. EveryDollar not only helps you tell your money where to go with a budget, it also builds a plan to free up extra money so you can pay debt off faster and start building wealth. And the best part, your plan is completely personalized to your life. It's the same advice that you would get if you called the show. And it's right in your pocket. So don't keep living normal. Go download the EveryDollar app, answer a few questions, and get …”
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Interest-only mortgages may seem appealing, but they can be one of the most expensive ways to buy a home. Dave Ramsey explains that with this type of loan, you're essentially just renting the house without building equity, and the costs can skyrocket once the interest period ends. For those who relocate frequently, renting remains the smarter choice.
“… scared of making them uncomfortable I'm nervous that they're gonna be like I think this is back in the day You know what I mean Yeah you fuck with Ramsey now Only Ramsey now but I'll tell you why Ramsey He owes me his life Why? I've given him everything You've given him a lot of opportunity We're very close I talked to him last night We're good friends You do love him. Yeah, so he's not just an opener. He's now turned into a friend, so I feel like we can fuck with each other. He fucks with me as well. Well you know what next You friends You might as well be business partners with him Maybe one …”
“I'm scared of making them uncomfortable I'm nervous that they're gonna be like I think this is back in the day You know what I mean Yeah you fuck with Ramsey now Only Ramsey now but I'll tell you why Ramsey He owes me his life Why? I've given him everything You've given him a lot of opportunity We're very close I talked to him last night We're good friends You do love him. Yeah, so he's not just an opener. He's now turned into a friend, so I feel like we can fuck with each other. He fucks with me as well. Well you know what next You friends You might as well be business partners with him Maybe one day Dude I watched soft white underbelly yeah i love those are i cannot stop watching yeah and some of them are hot the homeless girls so many oh my god i got so many live at my house for free yeah yeah and you know what the soft white underbelly yeah you know what's crazy about this yeah he'll go back like he'll go back like eight nine months later …”
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In a hilariously dark twist, the hosts discuss how a beautiful girl living on the streets could charm them into letting her stay, despite the obvious risks. The absurdity peaks when they joke about her possibly robbing them while they hear scratching sounds from the bathroom. This blend of humor and serious topics creates an entertaining mini-story that showcases their comedic chemistry.
“… a machine but you're better at a lot of things we're going to learn from each other but this idea of like I want all the upside that you know Dave Ramsey just had this guy call in and I just saw this on a video and I want to hear your point of view you got a few more minutes? A hundred percent. Let's go. Okay. So the guy, he's got this, uh, Texas kind of redneck accent. He goes, I got to ask you, Dave. He goes, I got 20 million in the bank. And, uh, I only work one hour a year. He goes, I got a good team. I take care of them. I pay them. Well, I'm going to stop talking like that. But he goes, I …”
“… all day, every day. I'm like you could have as much side as upside as you want you're not going to lose anything you're going to lose several years trying to get here you're very good at what you do you've done well on M&A you've got a good beast a machine but you're better at a lot of things we're going to learn from each other but this idea of like I want all the upside that you know Dave Ramsey just had this guy call in and I just saw this on a video and I want to hear your point of view you got a few more minutes? A hundred percent. Let's go. Okay. So the guy, he's got this, uh, Texas kind of redneck accent. He goes, I got to ask you, Dave. He goes, I got 20 million in the bank. And, uh, I only work one hour a year. He goes, I got a good team. I take care of them. I pay them. Well, I'm going to stop talking like that. But he goes, I liked it, man. It was good. He's like, I got the money. I got the life. He goes, but I only want to work here and there. and Dave's like well what kind of business he's like a track he's like I just passed 11th grade I worked hard I got the right people he's like I'm getting offered 20 million I'm bringing in 2 million so he's getting offered a 10x …”
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A business owner with $20 million in the bank is torn between cashing out or maintaining his current lifestyle of minimal work. While he enjoys his success, expert Brian Franco warns that complacency can lead to missed opportunities in a competitive market. He advises taking some cash now, investing wisely, and ensuring future growth to stay ahead of hungrier competitors.
“… that a huge huge thing for a lot of folks to just consider as they think about this because I know we have a lot of optimizers who listen to the show, so they're going to love that. I think that's absolutely amazing. So next, I want to dive into return assumptions. So return assumptions are something that we see thrown around all the time on social media. You see it on podcasts, you see it on YouTube videos, where people are saying just a wide range rate of return, where people will say, you know, you hear people like Dave Ramsey, who will say 12% for mutual funds, and we can get into that …”
“… the time to start thinking about it is a few years ahead of when you might be early retired or a few years ahead of when you retired in general because those early retirement years you might want to earmark for some Roth conversions Perfect And I think that a huge huge thing for a lot of folks to just consider as they think about this because I know we have a lot of optimizers who listen to the show, so they're going to love that. I think that's absolutely amazing. So next, I want to dive into return assumptions. So return assumptions are something that we see thrown around all the time on social media. You see it on podcasts, you see it on YouTube videos, where people are saying just a wide range rate of return, where people will say, you know, you hear people like Dave Ramsey, who will say 12% for mutual funds, and we can get into that if we want to. You see people say things like six or 7%. And, you know, you see a wide range in between. The most common that we see, and we talk about this even here, is we'll say 10% rate of return looking at the historic S&P 500 average. But if you're doing your planning, a lot of times you want to be way more conservative than that, because the”
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Roth conversions can be a game-changer for early retirement, especially when executed during your lowest income years. By strategically planning these conversions, you can significantly reduce your tax burden and increase your financial flexibility. Understanding the timing and implications of these conversions is crucial for maximizing your retirement savings.
“… Hey folks, remember better away warrior than a quivering critic. This world needs more high quality leaders. So take courage and lead. I'm Dave Ramsey, your host. Thanks for”
“… business. It is your business and it is your brand. And the customer does count on you more than they count on that guy or that gal that we're talking about here. So that's how the whole deal works. Good question, man. Appreciate you, man. Good stuff. Hey folks, remember better away warrior than a quivering critic. This world needs more high quality leaders. So take courage and lead. I'm Dave Ramsey, your host. Thanks for”
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The key to effective leadership is adopting a servant's heart, stepping in to help your team instead of hovering from an 'ivory tower.' This approach fosters collaboration and empowers employees by removing obstacles, ultimately enhancing productivity. Remember, true leaders ask how they can serve, not how they can critique.
“… that the team that lost was the better team. Like that's not proof that the Seahawks are better. They just won that game. But you started the show clamoring for a best of three and they've had a best of three this season and the Seahawks have won two of them. And yeah, I understand they're close, but I think I have enough representative sample to suggest that Seattle's better. I'm giving you 50 years of Stafford of quarterback stats against number one defenses and Stafford's lost the two of the four quarterbacks that have played in that game. Like that's, that's an obvious statistical …”
“… Yeah. But it's a drop punt and four down. Like if, if, if Stafford had gotten, yeah, you'd see, no, I don't do that. Those are the margins. No, but it's an imperfect measurement system. I, you don't leave games ever saying to yourself, I don't believe that the team that lost was the better team. Like that's not proof that the Seahawks are better. They just won that game. But you started the show clamoring for a best of three and they've had a best of three this season and the Seahawks have won two of them. And yeah, I understand they're close, but I think I have enough representative sample to suggest that Seattle's better. I'm giving you 50 years of Stafford of quarterback stats against number one defenses and Stafford's lost the two of the four quarterbacks that have played in that game. Like that's, that's an obvious statistical outlier quarterback. Better team though, is the discussion. And I think we have enough to say Seattle. I, I, after what we saw from Sam Donald, one of the great reclamation stories in sports, like I'm, I get it. It was super impressive, incredible moment by Stafford gutting that play out. But this is Sam Donald's time. This is Seattle's time. I've …”
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Ridealong summary
In a shocking turn of events, Sam Darnold outperformed Matthew Stafford in the NFC Championship game, leading the Seahawks to victory against the Rams. Despite the Rams' strong offense, it was Darnold's ability to excel in high-pressure situations that turned the tide, challenging the narrative that Seattle is the superior team. This game highlights the unpredictability of football and raises questions about how we evaluate team performance based on single-game outcomes.
“… to explore several options as a backup in 26 for teams that could need a starting quarterback. No seven over the next 24 hours. One team that has shown interest in Kyla as a backup in 2026 was reportedly the Rams. Now, remember, the Rams took Stetson Bennett a few years ago. And with Matthew Stafford on a year-to-year plan, L.A. could use a starter in 2027, potentially. Still, as an immediate starting option, Ocho, do you like the Vikings? Do you think the Vikes present the best opportunity? Now, he says, you know, the priority number one is starting. But if that's not available, he would …”
“Ocho, Kyle and Murray will visit the Minnesota Vacuums on Thursday. John Gambadaro reports a starting spot is a priority and Minnesota does offer that and a deal that can be done in the next 24 hours. But Murray and his camp are expected to explore several options as a backup in 26 for teams that could need a starting quarterback. No seven over the next 24 hours. One team that has shown interest in Kyla as a backup in 2026 was reportedly the Rams. Now, remember, the Rams took Stetson Bennett a few years ago. And with Matthew Stafford on a year-to-year plan, L.A. could use a starter in 2027, potentially. Still, as an immediate starting option, Ocho, do you like the Vikings? Do you think the Vikes present the best opportunity? Now, he says, you know, the priority number one is starting. But if that's not available, he would look to back up somewhere, potentially and then 2027 you know good and well if the Minnesota Vikings sign Kyler Murray J.J. McCarthy's job is over J.J. McCarthy's job is over if he goes to the Minnesota Vikings even with the high pick that they just picked him with two years ago three years ago whatever it might have been his job is over it's over …”
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Ridealong summary
Kyler Murray could secure a starting position with the Minnesota Vikings, potentially ending J.J. McCarthy's career there. With a strong supporting cast including Justin Jefferson and T.J. Hockenson, Murray's dual-threat capabilities could thrive in Minnesota's offense. Meanwhile, the Rams also show interest, but the Vikings may offer the best opportunity for Murray's success.
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