Helping you build wealth debt-free. Cohost of @RamseyShow @SmartMoneyHH. Bestselling Authoršš¼ Read/listen to my book, Breaking Free From Broke
Joined March 2009
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16 Jan 2024
Today is the day! Breaking Free From Broke is out now and ready to be shipped to you.
š ter.li/buy-now
I had one goal in this pursuit: write a book about money that doesn't feel like a root canal. I tried my darnedest to make it funny, well-researched, empathetic, helpful, and paradigm-shifting. This book is everything you never learned about money (but wish you did).
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Mar 13
The S&P 500 having an annual average return of 10% over the last 30 years isn't my opinion, it's a fact. Google it, I dare you!
Instead of trying so hard to time the market, just spend time in the market. Stop buying and selling based on headlines and fear mongering, and make sure you're invested in good growth stock mutual funds. Building wealth is a marathon, not a sprint.
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Mar 12
Rosa called into the show worried about losing her home after her husband was let go from his job of 15 years.
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Mar 10
Hannah called into The Ramsey Show wondering if her family should continue living illegally in their gym's basement so that they can pay off more debt.
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Mar 9
The average car payment is $733 a month.
Invest that from age 25 to 65 and youāre looking at $4.6 million.
But sureā¦ enjoy the heated seats.
Because that car payment just cost you millions.
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Mar 7
Monica called into The Ramsey Show wanting to know how she can convince her husband to pay down their mortgage instead of buying crypto.
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Mar 5
Keegan called into The Ramsey Show asking for advice, as heās in a hotel with a baby on the way after their only vehicle was totaled.
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Mar 2
Jennifer called into The Ramsey Show trying to figure out how to create income while her fiancƩ controls the finances.
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Feb 27
I mean, it could be worse. Imagine contributing but not investingā¦
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Feb 26
Think about this:
Why do we want a credit score? To go into debt.
Why do we want to go into debt? For a higher credit score.
Why do we want a higher credit score? To have more access to debt.
Why do we want more access to debt? For a higher credit score.
The only way to achieve and maintain a high credit score is to go into debt, stay in debt, and continually pay your debt accounts āperfectly,ā without adding too much debt or paying too much off too soon.
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Feb 24
If it says Afterpay or Klarna, youāre signing up for bite-sized debt. Most people assume theyāll make the payments with no problem. But about a third of buy now, pay later users fall behind on at least one payment, triggering late fees and interest rates that can climb to 30%. The worst thing about these services isnāt even the fees. Itās how easily they trick you into spending more than you planned.
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