Dave Ramsey

Mentioned 33 times across 2 podcasts this week

This Week's Pulse

Dave Ramsey hosted his annual EntreLeadership Summit in Orlando this week, balancing the high-level business event with a heavy slate of personal finance counseling on his daily show. Throughout the week, he doubled down on his signature Financial Peace University philosophy, insisting that for most Americans, household budgets fail because of poor spending habits rather than a lack of income.

On The Ramsey Show, he leaned into his reputation for contrarian advice, telling a caller, "Normal is broken, common sense is weird, so we're here to help you transform your life." He specifically pushed back against the allure of gold as an investment, dismissing it as a volatile commodity, and warned a 68-year-old caller against using IRA funds for risky real estate plays.

While Dave Ramsey claims to have flipped roughly 2,500 properties in his career, he is currently positioning himself as a proponent of long-term holdings and LLC-based asset protection. Reflecting on his own path to stability, he noted, "I just had the goal of the three to six months of expenses." This week's commentary signals a continued narrowing of his advice, focusing less on aggressive acquisition and more on risk mitigation as he continues to coach callers through debt reduction.

Where it's discussed

If You Want Wealth, Stop Being Dumb With Money

The Ramsey Show

Dave Ramseyneutralfrom “Dave Ramsey on Emergency Funds”

Discusses his personal experience with emergency funds and financial history.

“Well, when I was climbing out of this, there weren't any baby steps because I hadn't started teaching Financial Peace University yet, so there was no starter emergency fund of $1,000 and later a fully funded emergency fund of three to six months of expenses. I…”

Dave Ramseypositivefrom “Financial Turnaround Strategy for Matthew”

Host providing financial advice and coaching Matthew on debt reduction.

“So one more time”

Dave Ramseyneutralfrom “Financial Advice for Personal Relationships and Debt”

Host providing advice on dating and financial discipline.

“... what I want you to do is I want you to stay in your town and invite him to come see you. And if he does, he might be worthy of pursuing. If he refuses to come see you on his dime, and he refuses to become gainfully employed, please move on. However, while …”

Dave Ramseyneutralfrom “Managing Debt and Financial Decisions”

Provides advice on debt settlement and warns against using retirement funds for debt repayment.

“... get it in writing before you give them any money. Matter of fact, if you're gonna pay in full, get it in writing because they'll double the amount and say they added late charges and try to get more out of you later. So even with you, Benjamin, on 300 buck…”

Dave Ramseyneutralfrom “Managing Business Debt and Pension Planning”

Host providing advice on business debt and retirement planning.

“"Let's, let's sit down and look at how this business is operating. What are the parts of it? What are the details? And what can we do together to get this going? Hey, I'll come down there and help. I mean, what do you need? I'll g- cut the janitorial out, I'll…”

Dave Ramseyneutralfrom “Financial Advice for a Struggling Family”

Provides financial counseling to the caller regarding her debt and housing situation.

“Okay, so I'm, I'm gonna tell you this. Unless both of you hate the house, I would not sell the house. I would sell his truck.”

Dave Ramseyneutralfrom “Managing Debt and Business Financials”

The host providing financial advice to the caller.

“Better than I deserve. What's up?”

Dave Ramseyneutralfrom “Managing Debt and Financial Habits”

The host providing financial advice to the caller.

“And it's not because you wanna change your habits. You do need to change your habits. Both of you need to do that, for sure, and you need to get on a written budget. So what I would tell you guys to do is get on an every dollar budget. Don't go out to eat. Don…”

Dave Ramseyneutralfrom “Strategic Financial Decision Making and Avoiding Short-Term Fixes”

Discusses the psychological and mathematical pitfalls of selling a home to pay off debt.

“And when you have that around m- money and you see a quick way out, like selling your house to pay off all your debtIt re-- It, it tells you I can make all of this, uh, psychological pain, cognitive dissonance go away if I just sell the house. So we're always …”

Dave Ramseyneutralfrom “The Psychology of Delayed Gratification”

Discusses the necessity of delaying pleasure for long-term financial success and shares his own experience with bankruptcy.

“... 'cause we get those kinds of 19-year-olds around here. But, but, uh, the reason we're all kind of so impressed is i- that he or she matured to that degree at that young age, and it's not a chronological maturity, it's an emotional and a spiritual maturity.…”

Dave Ramseyneutralfrom “Financial Advice on Debt and Stork Mode”

Provides financial advice on debt repayment and managing cash flow.

“Make sure your consumer debt's cleared, you have an emergency fund in place, you're putting 15% of your income away in retirement, uh, putting money aside for kids' college, and you're put- and then you start paying down your mortgage.”

Dave Ramseyneutralfrom “Financial Crisis and Marital Strain”

Host providing financial advice to the caller.

“[upbeat music] Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union Studios, this is The Ramsey Show. Rachel Cruze, Ramsey Personality, number one bestselling author, and …”

Dave Ramseyneutralfrom “Marriage Counseling and Financial Planning Advice”

Host providing advice on marriage and debt.

“... and everybody having full transparency, knowing what's going on, watching these debts fall away, cutting up the credit cards, never going back again, living on an EveryDollar budget where both of you see every expenditure and know what's going on. She's ca…”

Dave Ramseyneutralfrom “Financial Advice for a Failed Business Purchase”

Host providing financial advice to the caller regarding her failing business.

“So, uh, listen. Hey, here, I, I can help you with this real quick.”

Dave Ramseyneutralfrom “Valuing and Purchasing a Small Business”

The host providing advice on business valuation and his experience running a company.

“Okay, now that I can breathe again, um, let's give a little bit of recap to, um, talk about how to value and how to buy pr- how to purchase a small business. Okay? A small business is a lot of work. I've run one most of my life, and Ramsey today is a $300 mill…”

Dave Ramseyneutralfrom “Risks of Small Business Ownership”

Explains the difference between technical skills and business management skills.

“Instead of a half a million dollars. If you'd actually looked at this goober's tax returns, you would've seen that after he got paid, the thing had no net profit, which is what they have discovered now that they're running it instead of just working there. The…”

Dave Ramseypositivefrom “Financial and Relationship Advice for Naya”

The host providing financial and life advice to the caller.

“... you're gonna be my, uh, 25-year-old little niece for a minute, and I'm gonna be old uncl- uncle, ugly Uncle Dave, okay? And I'm gonna love you.”

Dave Ramseypositivefrom “Financial Advice on Debt and Retirement Planning”

Host providing financial advice on selling a vehicle and managing retirement accounts.

“Because here's a good rule of thumb. Things that have motors and wheels go down in value. You cannot build wealth while you own too many things that have w- motors and wheels. Too many things is defined at, in our world as more than half of your annual income.…”

Dave Ramseyneutralfrom “Financial Crisis and Debt Management”

The host providing financial counseling and advice to the caller.

“[upbeat music] Matthew is in Boston. Hi, Matthew. How are you?”

Dave Ramseyneutralfrom “Managing Business Finances as a Couple”

Provides advice on financial transparency and marital communication regarding business debt.

“And the roommate doesn't like it when you tell her what to do. Instead, you guys need to have in-depth, combined finances, full transparency, so you know exactly what she's making 'cause you're having to put it in the monthly budget together every month at you…”

Dave Ramseyneutralfrom “Managing Retirement Accounts and Debt Settlements”

Host providing financial advice on retirement planning and debt settlement strategies.

“Absolutely. You need to be doing baby step four when you get there, when you're out of debt and have your emergency fund in place. Following the baby steps, you need to be putting 15% of your income aside for retirement. And then all of the employer-funded thi…”

Dave Ramseyneutralfrom “Financial Advice and Marital Disputes”

Host providing financial advice on debt and retirement accounts.

“So we don't wanna do that. We don't wanna borrow money at 40% interest in order to do that. Now, if you borrow on the 401 [k], you are unplugging a good mutual fund investing, assuming you've got it invested in good mutual funds. Um, and, and you will pay your…”

Dave Ramseypositivefrom “Financial Recovery and Business Communication”

Advised the caller to sell her house to clear debt and avoid future financial mistakes.

“... the cha- you- they won't let you in a Chapter 13. They'll throw you out because you have this huge asset. So no, you need to sell the house. You need to put all this mess in your rear view mirror and start fresh, cleaning up $30,000 worth of debt. Start ma…”

Dave Ramseyneutralfrom “Business Cash Flow and Debt Management”

The host providing financial advice to the caller.

“Welcome to being self-employed. And the technicians, you're gonna get them to where they're so busy they can't breathe, and then you're gonna bump your rates and start charging more. And then you're gonna lay off one of the three office staff or two, and you'r…”

Steady Habits Build Lasting Wealth

The Ramsey Show

Dave Ramseyneutralfrom “Financial Alignment in Relationships”

Host of the show providing financial advice to the caller.

“[upbeat music] Brought to you by the EveryDollar app. Start budgeting for free today. [upbeat music] Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union Studio, this is t…”

Dave Ramseyneutralfrom “Navigating Financial Abuse and Grief”

Host providing financial and life advice to the caller.

“Mm.”

Dave Ramseypositivefrom “Investing Principles for Beginners”

Host providing financial advice to the caller.

“... the TikTok thing is, or what Dave Ramsey says, or what Rachel Cruz says, you understand it before you put money in. Principle number one. Principle number two, plan to go slow. The fastest way to get rich quick is don't get rich quick.”

Dave Ramseyneutralfrom “Prenuptial Agreements and Financial Compatibility”

Host providing financial and relational advice on prenups.

“... if I were in your shoes, I would get so comfortable with this lady in order to marry her that I don't need a prenup. You don't have enough net worth to f- fool with it.”

Dave Ramseypositivefrom “Achieving Financial Freedom Through Discipline”

Host of the show who interviews the couple about their financial success.

“... a hit on that. Yeah, that's good. So what happens now, now that everything, you're- you've paid everything off, what does life look like? 'Cause I mean, that's intense what you guys just explained. You know?”

Rachel Cruzeneutralfrom “Career Transition and Financial Planning Advice”

The host provides financial advice and expresses his disdain for people who prioritize passion over financial stability.

“Dave has not been in the studio for a while. All of his grievances are coming out-”

Dave Ramseyneutralfrom “The Ethics and Practicality of Prenuptial Agreements”

Host discussing his evolving views on the necessity and philosophical implications of prenuptial agreements.

“... s- you know, the other one that's interesting, Rachel, on, on that side of the thing, of course when I started a long time ago, I just said never do a prenup.”

Dave Ramseyneutralfrom “Financial Advice on Real Estate and Debt Recovery”

Host providing financial advice on mortgage refinancing and car purchases.

“... because of this, uh, percentage of your real take-home pay, not counting 401 [k] and health insurance, probably not. Uh, but if you want to sell it and downsize to get a simplified life, use the equity from the house, get a lower interest rate, use the 100…”

Dave Ramseyneutralfrom “Managing Mortgage Debt and Financial Strategy”

Host advising on debt payoff strategies and mortgage refinancing.

“Get a better interest rate and recast the mortgage because you're throwing 100 or 150-”