Shortcuts Today Lead to Setbacks Tomorrow episode artwork

EPISODE · Aug 1, 2025 · 2H 6M

Shortcuts Today Lead to Setbacks Tomorrow

from The Ramsey Show · host Ramsey Network

💰How much do you need to invest each month to retire a millionaire? Jade Warshaw and Rachel Cruze answer your questions and discuss: "Can I learn to manage my money and get my family back?" "I want to close our credit cards but my husband doesn't..." "Should I take a job offer that is further away from home but has a higher salary?" "How do I plan for having a baby with Downs Syndrome?" "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?" "Am I being cheap for wanting to buy a lab-grown engagement ring?" "My wife does not know how to save. How can we get financially aligned?" "How do I manage business travel expenses that are reimbursed without using a credit card?" "Whose student loans should we pay off first?" "How do you recommend telling a whole life insurance agent no?" Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app! 🏠 ⁠⁠⁠⁠⁠⁠Find a Ramsey Trusted Real Estate Agent 📖 Your Total Money Makeover starts here. 💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠ Connect with our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠ Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠ Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today! Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠ Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle! Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠ Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠ 🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ 🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ 💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ 💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ 🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode metadata supplied by the publisher feed · Published Aug 1, 2025

💰How much do you need to invest each month to retire a millionaire? Jade Warshaw and Rachel Cruze answer your questions and discuss: "Can I learn to manage my money and get my family back?" "I want to close our credit cards but my husband doesn't..." "Should I take a job offer that is further away from home but has a higher salary?" "How do I plan for having a baby with Downs Syndrome?" "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?" "Am I being cheap for wanting to buy a lab-grown engagement ring?" "My wife does not know how to save. How can we get financially aligned?" "How do I manage business travel expenses that are reimbursed without using a credit card?" "Whose student loans should we pay off first?" "How do you recommend telling a whole life insurance agent no?" Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app! 🏠 ⁠⁠⁠⁠⁠⁠Find a Ramsey Trusted Real Estate Agent 📖 Your Total Money Makeover starts here. 💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠ Connect with our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠ Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠ Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today! Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠ Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle! Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠ Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠ Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠ 🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ 🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ 💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ 💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ 🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

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Shortcuts Today Lead to Setbacks Tomorrow

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This episode is 2 hours and 6 minutes long.

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This episode was published on August 1, 2025.

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💰How much do you need to invest each month to retire a millionaire? Jade Warshaw and Rachel Cruze answer your questions and discuss: "Can I learn to manage my money and get my family back?" "I want to close our credit cards but my husband...

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