Become a Millionaire: Tips & Debt Help 💰
Dave Ramsey & George Kamel share advice for new sober individuals managing debt and building wealth, July 22, 2025.

The Ramsey Show
152.0K views • Jul 22, 2025

About this video
Dave Ramsey and George Kamel answer your questions and discuss:
- "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"
- "Is 0% financing better than pulling from my 401(k)?"
- "My parents lied to me about my student loans being paid off. Am I still responsible to pay?"
- "I was misled by my financial advisor. How do I get back on track?"
- "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"
- "Should I take out a loan to consolidate my credit card?"
- "How much should I put down on a second property?"
- "Can we afford for me to stay at home now?"
- "My husband lost $200k day trading. How do I get him to follow the Baby Steps?"
- "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"
From Today's Episode:
💸 Register for the free FPU Coordinator Rally and enter the $3k giveaway - https://ramsey.solutions/usbfip
📱 Get episodes early in the free Ramsey Network app! ⮕ https://ramsey.solutions/3ctizb
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
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
- "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"
- "Is 0% financing better than pulling from my 401(k)?"
- "My parents lied to me about my student loans being paid off. Am I still responsible to pay?"
- "I was misled by my financial advisor. How do I get back on track?"
- "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"
- "Should I take out a loan to consolidate my credit card?"
- "How much should I put down on a second property?"
- "Can we afford for me to stay at home now?"
- "My husband lost $200k day trading. How do I get him to follow the Baby Steps?"
- "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"
From Today's Episode:
💸 Register for the free FPU Coordinator Rally and enter the $3k giveaway - https://ramsey.solutions/usbfip
📱 Get episodes early in the free Ramsey Network app! ⮕ https://ramsey.solutions/3ctizb
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
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
152.0K
Likes
2.5K
Duration
02:05:30
Published
Jul 22, 2025
User Reviews
4.7
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