Ramsey Everyday Millionaires
Ramsey Network
Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, George Kamel, Jade Warshaw, and Dr. John Delony.
Episodes
Mentioned books
Jan 12, 2026 • 10min
What’s the Downside of Putting Less Than 20% Down on a Home?
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Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
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Jan 9, 2026 • 10min
How Do You Know When You Have Enough to Retire?
💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
Learn more about your ad choices.
Ramsey Solutions Privacy Policy
5 snips
Jan 7, 2026 • 10min
When Does a Spousal Roth IRA Make Sense?
A couple debates the benefits of spousal Roth IRA contributions versus saving for immediate needs. They discuss their financial situation, revealing $1.5M in retirement accounts and a paid-off home. The conversation highlights the importance of maintaining a six-month emergency fund while also investing 15% of income. Practical tips are shared on using high-yield savings accounts for cash management and preparing for future expenses. The hosts provide reassurances about their financial adequacy and emphasize staying organized with finances.
8 snips
Jan 5, 2026 • 10min
How Do I Start Investing?
Mac, a debt-free Chicago caller with a hefty cash reserve and maxed Roth 401(k), seeks practical investing advice. He reveals he has $110,000 in savings and is curious about how to invest it wisely. The hosts confirm his solid financial foundation and suggest keeping cash for a house down payment. They recommend maxing out a Roth IRA and investing in a diversified mix of mutual funds. The conversation also covers accepting market risk while steering clear of speculative investments like crypto.
Jan 2, 2026 • 10min
Is Now a Bad Time to Invest Because the Market Is So High?
💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
Learn more about your ad choices.
Ramsey Solutions Privacy Policy
Dec 31, 2025 • 5min
Is Investing in Silver a Good Idea?
💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
Learn more about your ad choices.
Ramsey Solutions Privacy Policy
Dec 29, 2025 • 10min
Should I Fire My Financial Advisor?
David, a caller from Indianapolis, dives into a discussion about his lackluster investment returns and his relationship with his financial advisor. He highlights concerns over weak growth and unproductive fund choices. The conversation touches on the necessity for clients to understand their investments and the advisor's role in educating rather than merely managing. They also explore the idea of whether financial advisors provide enough value compared to passive investment options, like Vanguard, alongside discussing the importance of accountability and collective fund selection.
Dec 26, 2025 • 7min
I Have $3.5 Million Saved, but I’m Still Scared to Retire
💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
Learn more about your ad choices.
Ramsey Solutions Privacy Policy
Dec 24, 2025 • 10min
Did We Make a Mistake Moving Our 401(k) Into CDs?
💵 Sign up for EveryDollar today - Create a free Budget!
Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!
Next Steps:
💰Need help with your investments? Connect with a SmartVestor Pro: (SmartVestor Investing Professionals ) #PaidEndorsement
📝Get your free copy of Ramsey’s Complete Guide to Investing: (Ramsey's Complete Guide to Investing)
🏦Take a retirement assessment to find out how much you’ll need to retire: (Retire Inspired with the R:IQ Retirement Assessment)
📈See how much your investments could be worth over time with this handy calculator: (Investment Calculator)
🧑💻Explore free investing tools, articles and more on the Ramsey Investing Hub: (Ramsey Investing Tools and Resources)
Listen to more from Ramsey Network
🎙️ The Ramsey Show
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
💸 The Ramsey Show Highlights
Learn more about your ad choices.
Ramsey Solutions Privacy Policy
Dec 22, 2025 • 8min
My Wife Wants the House Paid Off—But I Don’t See the Point
Adam, a caller, shares his dilemma about paying off his low-interest mortgage versus keeping funds in conservative investments. He discusses the couple's financial position and the math behind their savings. However, hosts George and Ken highlight the emotional benefits of being mortgage-free, emphasizing peace and flexibility over mere numbers. They challenge Adam's perspective, suggesting that the comfort of financial freedom outweighs a small investment gain. Ultimately, the recommendation leans towards paying off the mortgage for greater peace of mind.
