Discipline Is Key in Tough Times | Aug 29, 2025
Dave Ramsey & Rachel Cruze discuss handling financial struggles, including leaving a spouse without savings and retirement concerns. 💡

The Ramsey Show
117.1K views • Aug 29, 2025

About this video
Dave Ramsey and Rachel Cruze answer your questions and discuss:
- "How can I leave my husband when I have no job or savings of my own?"
- "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"
- "Can we afford to slow down paying off debt to be present with our kids?"
- "How can I best use the inheritance I just received?"
- "My husband just told me we are $60,000 in debt. How do we go about this wisely?"
- "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"
- "I just got fired, should I file for bankruptcy or consider a debt relief program?"
- "How do I get my husband to take the plunge and buy us a house?"
- "Is a budget set in stone or can it be revised once it's in play?"
- "Should I lower my retirement contribution in order to pay off my house faster?"
- "How do I help my mom who has $200,000 in debt and nothing saved for retirement"
From Today's Episode:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app! ⮕ https://ramsey.solutions/qzoulg
🤔 Will an online will work for you? Take this quiz to find out - https://ramsey.solutions/96clr8
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! - https://ramsey.solutions/q1aei5
Helpful Resources from Ramsey Solutions:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb
💵 Start eliminating debt for free with EveryDollar - https://ter.li/e1h2jj
🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft
📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne
Connect with our Sponsors:
- Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us
- Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio
- Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey
- Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
- Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/
- Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
- FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey
- Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com
- Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com
- Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey
- Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
- Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h
🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g
🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa
💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
📈 EntreLeadership ⮕ https://ter.li/proqeb
Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy
Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5
- "How can I leave my husband when I have no job or savings of my own?"
- "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"
- "Can we afford to slow down paying off debt to be present with our kids?"
- "How can I best use the inheritance I just received?"
- "My husband just told me we are $60,000 in debt. How do we go about this wisely?"
- "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"
- "I just got fired, should I file for bankruptcy or consider a debt relief program?"
- "How do I get my husband to take the plunge and buy us a house?"
- "Is a budget set in stone or can it be revised once it's in play?"
- "Should I lower my retirement contribution in order to pay off my house faster?"
- "How do I help my mom who has $200,000 in debt and nothing saved for retirement"
From Today's Episode:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app! ⮕ https://ramsey.solutions/qzoulg
🤔 Will an online will work for you? Take this quiz to find out - https://ramsey.solutions/96clr8
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! - https://ramsey.solutions/q1aei5
Helpful Resources from Ramsey Solutions:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb
💵 Start eliminating debt for free with EveryDollar - https://ter.li/e1h2jj
🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft
📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne
Connect with our Sponsors:
- Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us
- Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio
- Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey
- Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
- Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/
- Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
- FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey
- Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com
- Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com
- Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey
- Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
- Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h
🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g
🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa
💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
📈 EntreLeadership ⮕ https://ter.li/proqeb
Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy
Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5
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Video Information
Views
117.1K
Likes
1.9K
Duration
02:03:39
Published
Aug 29, 2025
User Reviews
4.7
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