It’s Never Too Late to Clean Up a Financial Mess | January 10, 2025

The Ramsey Show | January 10, 2025

George Kamel & Dr. John Delony answer your questions and discuss:
- "We have over $2.5 million of debt,"
- "Where should we start investing?"
- "What's the best way to buy our first home?"
- "Should I pursue public service loan forgiveness?"
- "Where should we build our dream home?"
- "My husband hasn't filed taxes in 20 years"

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[gamersetherealjourney]

Caller 1 - 01:20
Caller 2 - 10:05
Caller 3 - 22:35
Caller 4 - 33:40
Caller 5 - 40:20
Caller 6 - 44:00
Caller 7 - 55:10
Caller 8 - 1:10:00
Caller 9 - 1:17:30

[DaniloSS]

Almost an year on from reading “The total money makeover” and watching the show on YouTube all the way from the UK, buzzing to be getting out of baby step 2 into 3, just pending our car finance which will be gone pretty soon. I cannot begin to describe how good it is to get your paycheck and have your income available to your plans and ideas, instead of being fully committed to payments for things you bought with debt. It has certainly given us peace of mind, a way forward and a life plan which we were looking for. Thanks Dave and team!

[Marilyn]

To the guy who creates time stamps for callers - I relay on you so much, you are truly missed.

[Freespeech]

I can hardly listen to the first caller. The chaos reminds me of the drama I’m free from. Thank you fellas. I’m a baby step millionaire.

[YouMissedBro]

Financing a vehicle for $17k for your teenager is moronic

[chrisvilla]

Yes, before COVID, PSLF was complicated and difficult to navigate. In fact, I was doubtful as well but it worked out. Good luck.

[Freespeech]

These guys have great chemistry. They’re pals.

[loribrooks]

That mom is not selling her daughter’s Corolla 😜

[flashthecorgi]

Great show today! Thank you to the DREAM team for braving the snow to make it happen. We love you guys! 🩵

[lizdami]

Love you guys but please do a new analysis on PSLF! I’m a teacher and just had my loans forgiven this past summer. I can’t be certain of the future of PSLF but for those who’ve been in it and are close to the ten year mark, it does work thanks to the revisions post Covid.

[EllynHoang]

The fact that nobody talks about the forbidden books on sombrya speaks volumes about how people are stuck in a trance

[thesecretlifeofwonderwoman]

John and George! I love you guys! So happy to see that you are the team this time around!!

[chrisvilla]

Working the public school system, myself and several friends were able to use PSLFP program. There was a deadline to file for temporary extended public service loan forgiveness program, October 2022.

[jessicamariethorpe]

How has this guy not filed in the last 20yrs??? How is that even possible? How is the IRS not going for him?🤯

[Trustbutverify]

Does Nitish still have his cars in LA? As George says, "It can all come crashing down." Truer words never spoken in light of recent events.

[JaneeJackson-et]

You guys are awesome 💯🙏🎊, I love listening to all of you-- keep being a blessing👍🎊

[cirer]

Their car advise is a little easier said than done, selling a car you have a lien on is kind of a headache when dealing with a private party. I bought a car that way once years ago and would never do it again. And replacing your car with a vehicle for 2k? Sure! Even a 5k car is a total piece of junk unless you buy from someone you know and they are doing you a favor.

[thesecretlifeofwonderwoman]

Lol I love John's "cool guy" voice 😂😂😂

[kylewtracy]

Taxes on a credit card had me laughing so hard because I did the same thing 2 years ago and that was my turning point - how are TAXES so unimportant that I had to pay them with a credit card.

[Tiv_Love_Cars]

18:45 ... Y'all didn't check the current value of the "$80, 000 truck" ... it's paid off on a $90k income, which suggests it took him a while to pay it. Depreciation most likely hits, especially depending on the brand. And I believe he'll blindly take that advice and go buy a used 35k or 40k truck when his known truck is probably valued similar. Where is Jade or Rachel? They wouldn't miss that.