The Ramsey Show
The Ramsey Show

Make The Most of Your Financial Choices—They Matter

December 22, 2025

AI Summary

5 min read

🎙️ The Voices & The Context

  • The Format: This call-in radio show features hosts fielding live listener questions on personal finance dilemmas, blending tough-love advice with humor and biblical principles in a high-energy, no-nonsense format. The tone is bluntly motivational, pushing callers toward financial freedom through the Ramsey Baby Steps.
  • The Key Players:
    • Dave Ramsey: Fiery founder and host, delivering rapid-fire wisdom from decades of counseling millions out of debt; famous for his debt snowball method and millionaire status after bankruptcy.
    • Jade Warshaw: Co-host and Ramsey Personality, adding relatable energy, empathy, and sharp insights from paying off $460K in debt.

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What you'll learn

  • 1 (00:54) **Nancy's HVAC Lease Debt**
  • 2 (11:10) **Michael’s $41K Car in College**
  • 3 (22:19) **Jaden’s Vacation vs. Baby/House**
  • 4 (27:41) **Stephen’s Grandma Gas Card & Apartment**
  • 5 (33:33) **Debt Snowball Deep Dive**
  • 6 (44:23) **Sarah’s Secretive Husband Debt**
  • 7 (54:36) **Anna’s $270K Crypto Scam Loss**

+ Full timestamped outline available in the app

Show Notes

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠


While we are out for Christmas break, we've compiled some of our favorite Dave and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!


Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • ‘I'm paying $500 a month for my leased HVAC system'

  • ’I'm 18 years-old and already have $110k of debt'

  • 'My grandma opened a credit card in my name.'

  • 'My new husband keeps his finances hidden from me'

  • 'Husband lost his 401(k) to a crypto scam'

  • 'How much is too much to spend on a wedding?'

  • 'My husband says he won't leave anything to me in his will.'


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

💻 ⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠

💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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