What you'll learn

• 1 (00:24) **Co-host Introduction & First Call: Renee’s Parents** - Dave Ramsey and Rachel Cruz introduce the show and take a call from Renee in Knoxville about her financially struggling parents.
• 2 (10:24) **Second Call: Jared’s Income Problem** - Jared from Providence calls with $23,000 in credit card debt, making $3,000 a month with $2,700 in expenses.
• 3 (21:32) **Third Call: Jeremiah’s Career and Commute** - Jeremiah in Atlantic City is making $85,000 base but commuting 4-5 hours round trip three days a week and living with his parents.
• 4 (35:32) **Fourth Call: Daniela’s IUL Policy** - Daniela from New York calls about a National Life Insurance IUL policy where she put in $15,300 but the surrender value is only $1,060.
• 5 (43:49) **Fifth Call: Austin’s Business Overhead** - Austin in Montgomery, AL runs a detailing business doing $15-25k/month and a fleet washing branch doing $9-12k/month, but has no cash to fix a broken truck.
• 6 (54:39) **Sixth Call: Kimberly’s Separate Finances** - Kimberly in New Orleans has $28k credit card debt, $28k student loans, and $25k in savings, while her husband has $11k credit card debt and vehicle loans.
• 7 (64:34) **Seventh Call: Jack’s Fiancée’s Accident** - Jack from Cedar Rapids calls about his fiancée who was in a devastating car accident two weeks before their wedding, facing huge medical bills.

+ Full timestamped outline available in the app