The Ramsey Show Income Isn’t the Problem—Your Money Plan Is
Apr 9, 2026
Callers tackle budgeting, payoff strategies, and whether to take on risky school debt. Relationship money conflicts and rebuilding trust come up repeatedly. Career moves, military transition planning, and side‑hustle vs debt decisions are debated. Practical topics include refinancing, tax trouble options, and planning finances before big life changes.
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Work First Then Get An MBA At Night
- Avoid going full-time to get a degree if you can instead get a job and pursue an MBA at night.
- Dave told the military caller with strong savings and investments to line up a higher-paying civilian job and do an adult/part-time MBA rather than burn savings in full-time study.
Build Goals And Sinking Funds For Planned Expenses
- Do use sinking funds or goals in EveryDollar to manage multiple future expenses simultaneously.
- Dave and Rachel suggested setting specific goals (e.g., $6,000 home repair in one year = $500/month) and separating business retained earnings from personal sinking funds.
Prioritize IRS Debt And Check Innocent Spouse Relief
- Move IRS debt to the front of your priority list and consult a tax pro about innocent spouse status.
- Dave told Sarah to contact Ramsey-endorsed tax pros to pursue innocent spouse relief or pay/refinance the $7,900 IRS bill immediately to avoid liens and penalties.
