The Ramsey Show My Girlfriend’s Pregnant and I’m Scared
Jan 29, 2026
Callers face sudden pregnancy, budgeting for baby, and pausing school to build cash. Listeners hear strategies for building a nine-month emergency fund and verifying medical and insurance coverage. Other topics include tackling large credit card debt for a parent, using a $200k trust wisely, navigating divorce and financial control, and planning retirement and rollovers.
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Episode notes
Question High‑Cost Life Insurance
- Get an independent advisor and ask pointed questions about costly whole-life proposals.
- Insist on clear explanations and explore ILITs or alternatives for large estates.
Protect Essentials Before Unsecured Debt
- Prioritize keeping mortgage and HOA current and fund four walls first for incapacitated relatives.
- Let unsecured credit card collections play out and focus on immediate living expenses.
Hold Cash If Moving Soon
- Park a short‑horizon windfall in a high‑yield savings account until your moving decision is clear.
- Use remaining trust funds to pay car, build emergency fund, then consider mortgage prepayment.
