You Don’t Get Out of Debt by Accident—Choose Your Hard

20 January 2026 · 2h 7m

The Ramsey Show

You Don’t Get Out of Debt by Accident—Choose Your Hard

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❓⁠Have a money question? Ask Ramsey is here to help!⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:

“I feel let down by my husband’s spending habits?”
”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”
“I keep going deeper into debt because of my spending habits”
“Our home mortgage is 40% of our income, should we refinance?”
“How do I talk to my in-laws about the $48,000 my wife owes them?”
“We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”
“How are we supposed to pay $2459 for health insurance premiums?”
“Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”
“What’s the difference between sinking funds and recurring expenses?”
“My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”
“We’re $176,000 in debt, should we sell our cars?”
“How do I pay off debt and plan for the future as a single mom?”
“My mortgage has a balloon payment, how do I pay this off?”

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