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Ramsey Everyday Millionaires — 759 episodes

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Title
1

We Grew Up Poor—Now We’re Getting $2.6 Million. What Do We Do?

2

Should We Stay Invested in the Stock Market During Retirement?

3

I Lost Everything Trading in Penny Stocks—How Do I Recover?

4

How Do We Build Wealth Once Our House Is Paid Off?

5

Should I Be Aggressive About Paying Off My Home?

6

When Do We Stop Investing for Retirement?

7

How Do I Keep My Child From Being Spoiled By A Trump Account?

8

How Much Should I Invest If I’m Self-Employed?

9

How Should I Invest So I Don’t Run Out of Money in Retirement?

10

I’m 42 and Living Paycheck to Paycheck—Can I Still Become a Millionaire?

11

Is It Bad That I’m Only Invested in CDs?

12

What Does Working With a Financial Advisor Actually Look Like?

13

Everyone’s Predicting a Market Correction—Should I Move to Cash?

14

Should I Change What I’m Investing In During Retirement?

15

Can We Keep My Son’s Leftover 529 Money for His Kids?

16

How Much Is Safe to Spend in Retirement?

17

Should I Buy Another Airbnb or Diversify?

18

Should I Front-Load My 401(k) or Contribute Throughout the Year?

19

What’s the Point of Investing If I Don’t Plan to Use It?

20

Can We Save For A House And Invest At The Same Time?

21

Everything You Need to Know About Filing Taxes in 2026

22

Why Would I Pay Off My Home When I Can Invest?

23

Should I Invest In A Trump Account For My Kids?

24

How Do I Start Investing?

25

Is Too Much of Our Net Worth in Our Home?

26

Can We Cut Back Retirement Saving to Enjoy Life More?

27

What’s the Best Way to Invest My Savings?

28

This Is Why You Don’t Stop Investing

29

They’re Millionaires at 30—Here’s How They Did It

30

Dave Breaks Down Rebalancing Investments

31

How Should I Invest If I Can’t Use a 401K?

32

We Exceed the Income Limits for Retirement—What Should We Do?

33

Why Is Paying Off My Mortgage Better Than Investing?

34

Should We Wait to Get Married So My Girlfriend Can Keep Her Benefits?

35

Should My Parents Buy an Annuity?

36

Should I Use a 529 or Mutual Funds for My Kids?

37

Do We Need Life Insurance If We’re Debt-Free?

38

Should We Use Retirement Money to Buy Real Estate?

39

We’re About to Get $6 Million—How Do We Manage It Wisely?

40

Is It Too Late for Me to Save for Retirement?

41

Dave Walks Through His Retirement Investments

42

What’s the Downside of Putting Less Than 20% Down on a Home?

43

How Do You Know When You Have Enough to Retire?

44

When Does a Spousal Roth IRA Make Sense?

45

How Do I Start Investing?

46

Is Now a Bad Time to Invest Because the Market Is So High?

47

Is Investing in Silver a Good Idea?

48

Should I Fire My Financial Advisor?

49

I Have $3.5 Million Saved, but I’m Still Scared to Retire

50

Did We Make a Mistake Moving Our 401(k) Into CDs?

51

My Wife Wants the House Paid Off—But I Don’t See the Point

52

Can We Cut Back on Retirement Investing to Get Some Margin Back?

53

How Much of My Net Worth Should Be Cash vs. Assets?

54

I Transferred My 401(k) Into an Annuity—What Should I Do Now?

55

Our House Burned Down—Should We Use Retirement to Rebuild?

56

Why Do You Recommend a Roth Over a 401(k)?

57

My Financial Advisor Told Us To Take Out A HELOC

58

How Do I Help My Dad Invest His $1.3 Million?

59

Should We Change Our Investing in Baby Step 7?

60

Should I Use My Bonus to Buy Into the Business I Work For?

61

My Company Stock Dropped 30%—Should I Cash Out Now?

62

We’re Maxing Out Our 401(k)s—How Do We Invest More?

63

How Do I Invest My Inheritance to Replace My Income?

64

How Do I Help My Dad Plan for Retirement?

65

Should I Open a UTMA Account for My Child?

66

How Should I Invest Outside of a 401(k)?

67

How Much Should We Invest If Our House Is Paid Off?

68

How Do I Avoid Paying Taxes on an Inherited IRA?

69

I’m Scared to Invest My Savings in the Market

70

We’re Inheriting $1.3M—What Should We Liquidate First?

71

Does Land Count Toward Our Net Worth If We’ll Never Sell It?

72

Should I Move My Pension Into a Fixed Index Account?

73

Can I Afford to Retire at 54?

74

Should I Lower My 529 Contributions to Pay Off My House Faster?

75

Why 10–12x Your Income Is the Term Life Sweet Spot

76

Is It Better to Max Out My Roth IRA Up Front or Over Time?

77

Should I Sell My Investment Property With Owner Financing?

78

If I Can Afford Both, Why Can’t I Invest and Pay Off Debt Together?

79

I’m New to Investing—How Do I Get Started?

80

Should We Cash Out Our Variable Annuity to Pay Off Debt?

81

Should I Go All In on Real Estate Investing After Losing My Job?

82

What’s the Advantage of Actively Managed Funds Over Index Funds?

83

Should I Put More Toward My Mortgage or Into Investments?

84

How Should We Invest If We Want to Retire Early?

85

Is Real Estate Taking Up Too Much of My Net Worth?

86

How Much Do You Really Need to Put in a 529 for College?

87

Will Dave Ever Invest In Cryptocurrency?

88

I’m Nervous About Having $1.8 Million in One Stock

89

Should We Convert to a Roth or Leave It for the Kids to Inherit?

90

How Do I Choose the Right Investments in My 401(k)?

91

Is Leasing a Car a Smart Move If My Employer Covers the Taxes?

92

Where Does Extra Cash Go When You’re on the Baby Steps?

93

He Became a Millionaire by 35 Following the Baby Steps—Here’s How

94

I’m Nervous About My $1.1 Million in Stocks—Should I Sell?

95

We Think $250K Is Enough for Retirement—Should We Stop Contributing?

96

Why Do So Many Teachers End Up Becoming Millionaires?

97

Can I Use the Cash I Saved for Taxes On A Purchase I Can Write Off?

98

My Company Doesn’t Offer a 401(k)—How Do I Invest for Retirement?

99

AI Will Eliminate My Job in 10 Years—How Do I Plan for Retirement?

100

How Do You Know How Much You Need To Save in Order To Retire?

101

What Is My Recommended Retirement Withdrawal Percentage?

102

Can I Do a Roth 401(k) & Roth IRA at the Same Time?

103

Why Most People Don’t Retire a Millionaire

104

What Do I Need To Do To Retire in 9 Years?

105

How Can I Invest My Money Wisely?

106

Is My Advisor Pointing Me in the Right Direction?

107

How Should I Be Spending My Money Right Now?

108

This Is Why Rental Properties Aren’t Actually “Passive”

109

Should We Invest in Precious Metals?

110

Should I Convert My Entire IRA To A Roth All At Once?

111

Our Universal Life Policy Is Costing Us More Than We Put In

112

How Do the Baby Steps Apply If I’m Already a Millionaire?

113

Should I Take My Pension Buyout or Monthly Checks?

114

Are Structured Notes Too Good to Be True?

115

What’s the Right Way to Start Retirement Withdrawals?

116

Should I Open a Traditional IRA Just for the Tax Benefits?

117

Has Dave Gone Soft On Crypto?

118

Here's Why Dave Doesn’t Invest in Bonds

119

How Do We Maximize the Returns on Our Investments?

120

Where Should We Invest If We’re Scared of the Stock Market?

121

Is Self-Insuring My Home a Smart Move?

122

I Can’t Afford To Invest 15% Of My Income Into Retirement

123

Is It Smart to Keep All Your Investments With One Firm?

124

Which Is Better for Retirement: Pre-Tax or After-Tax Contributions?

125

How Do I Exit My Real Estate Investments?

126

Why Won’t My Agent Let Me Cancel My Whole Life Policies?

127

Can We Spend $15k For A Vacation?

128

Should I Ditch the Stock Market and Invest in Real Estate?

129

My Employer’s 401(k) Move Cost Me $18K

130

My Fiancée Won $1.3 Million—Now What?

131

Should You Ever Invest More Than 15% In Baby Step 4?

132

What’s a Healthy Net Worth at Your Age?

133

My Wife Doesn't Want Us To Invest In The Stock Market

134

How Do I Get Caught Up On Retirement?

135

Do I Have to Follow My Grandmother’s Wishes for My Inheritance?

136

88% Of Stocks Are Owned By Three Companies—Does It Matter?

137

We Built A $10 Million Net Worth By Following The Baby Steps

138

Why Is My Investment Portfolio Underperforming?

139

Dave Exposes Crappy Life Insurance Products

140

Are We Able To Retire Early?

141

The Baby Steps Are Stressing My Husband Out

142

Are There Any Good "Short-Term" Investments?

143

What’s Difference Between Direct-Sold And Advisor-Sold 529 Plans?

144

What Is A Mutual Fund?

145

This Is the Difference Between Investing and Speculating

146

How We Became Millionaires and Built a Lasting Legacy

147

Dave Explains Wealth Inequality In 2025

148

If You Do This You'll Be A Millionaire Before 30

149

How Do I Diversify My Retirement Investments?

150

Our Advisor Has Stopped Returning Our Calls

151

The Irony of Whole Life Insurance

152

My Advisor Doesn't Want Me To Buy A House

153

Should I Upgrade My Car To Impress The Ladies?

154

My Investments Keep Losing Money

155

Am I Burning Through My IRA Too Fast?

156

My Wife Spent Her Fun Money Before Our Trip

157

I Just Bought My Dream Car - Should I Return It?

158

I Make Too Much To Invest In A Roth Account

159

Should I Pull My Money Out Of The Market?

160

This Is What Happens When You're Smart Early

161

Can We Afford A $9K Family Vacation?

162

My Religion Won't Let Me Invest In The S&P 500

163

How Do I Live Purposefully Now That I Have Money?

164

How Do I 10x My Money?

165

My Dad Wants Me To Work With His Advisor

166

Should I Stop Day Trading?

167

Should We Cash Out Our Whole Life Policy?

168

Should We Buy A Bigger Car Or Pay Down Our House?

169

Dave's 3 Rules For Investing

170

What’s the Best Way To Save for My Daughter?

171

Am I A Hypocrite For Wanting A Prenup?

172

When Do We Stop Investing and Start Giving?

173

Should I Pause Retirement To Save for a House?

174

Can I Afford a $80K Tesla?

175

“So How Long Have You Been Selling Whole Life Insurance?”

176

Should I Invest in a Target Date Index Fund?

177

Is It Too Late To Invest for the Future?

178

Should I Give My Daughter Money To Buy a House?

179

Can I Use a Roth IRA Instead of a 529?

180

Should I Change My Investing Strategy?

181

The Secret To Building Wealth In Baby Step 7

182

Should I Rely on My Employer’s 401(k)?

183

Can I Use Budgeted “Fun Money” To Do Day Trading?

184

This Is the Biggest Piece of Mythology in Personal Finance

185

Our Advisor Is Advising Us Not To Pay Off Our Home

186

How Do I Build Wealth for the Future?

187

When Can I Afford To Self-Insure?

188

How Do I Use My $300K Income Wisely?

189

Does Compound Interest Work the Same in Separate Accounts?

190

"You Should Fire Your Tax Advisor"

191

Should I Invest in Real Estate or the Stock Market?

192

My 401(k) Was Closed Without My Knowledge

193

Can You Avoid Lifestyle Creep?

194

Investments Traps To Avoid In 2025

195

The Basic Principles To Building Wealth

196

This Is the Biggest Piece of Mythology in Personal Finance

197

Should We Convert Our 401(k) to a Roth?

198

Why Investing Is About More Than Just Math

199

Will I Lose the Company Match if I Max My Roth IRA?

200

Stay Gazelle Intense to Pay Off Our House?

201

How Should I Save Money Now That the Savings Rate Is Going Down?

202

Are There Taxes on My Kids’ Inheritance?

203

How Should I Pay Off My House?

204

Does God Want Us To Be Wealthy?

205

Should You Invest 15% For Retirement If You Already Have A Pension?

206

Should I Pay Off My House or Start Investing?

207

Where Should We Be Investing?

208

Don’t Let This Stupid Trend Affect Your Investing

209

How Quickly Should I Pay Down My House?

210

What Is The S&P 500 And Why Does It Matter?

211

My Husband & I Disagree On How To Invest

212

Should I Do a 401(k) or Simple IRA?

213

Money Markets vs. High-Yield Savings Accounts

214

How To Invest a Large Sum of Inherited Money

215

Do I Need To Diversify My Investments?

216

Why Shouldn’t I Get a 30-Year Mortgage?

217

Do Millionaires Still Need To Budget?

218

Should I Diversify My Retirement Investing?

219

What is "Dollar Cost Averaging"?

220

How Do I Protect My Savings?

221

Should I Switch From A Pension To A 401K?

222

Should My Investments Be More Conservative?

223

Do I Really Need a Financial Advisor?

224

Should I Invest or Save More for a House?

225

How Do We Balance Gazelle Intensity With Our Retirement Goals?

226

Is It Too Late To Start Investing For Retirement?

227

Does an HSA Make Sense for Me?

228

How Do I Maximize Retirement Savings?

229

Should I Get A High Deductible Health Plan?

230

Should I Reduce My 401K To Start An IRA?

231

How Do I Invest After Selling My Business?

232

There Are More 401K Millionaires Today Than Ever Before

233

Is It Wise To Move My Investments Into an HSA?

234

When do I roll my IRA to a Roth?

235

I Have $18M in a Single Stock - Should I Diversify?

236

How Much Should We Put In at 529?

237

Am I Behind on Building Wealth?

238

Why Dave Doesn’t Recommend Single Stocks

239

Why Should I Pay Down My Mortgage?

240

What Are the Pros and Cons of Target Date Allocation Funds?

241

Dave Argues With a Whole Life Insurance Salesman

242

What Should I Do With Stocks I Was Gifted?

243

Do I Still Have Time To Save for Retirement?

244

This Is Why You Shouldn’t Follow "Investing Bros"

245

Can I Pay My 30-Year Mortgage Like a 15-Year?

246

Can I Invest Larger Amounts in a Shorter Timeline?

247

Should I Reduce Investing To Afford a Roth Conversion?

248

Can I Spend More Than 25% on My House?

249

How can I Reduce What I Pay In Taxes?

250

What Should I Do With Money Left in a 529?

251

Should I Convert My Traditional 401(k) to a Roth?

252

Quit Taking Advice From Your Broke Friends and Family!

253

Is It Wise To Have Two Financial Advisors?

254

Should You Change Your Investing Habits During Election Season?

255

Should I Transfer My 401(k) to a Roth

256

How Can I Get Some Fun Money?

257

What Is a High-Yield Savings Account?

258

Should I Blame My Investing Pros for My Losses?

259

Should I Cancel My Whole Life Policies?

260

What Should I Do With a Settlement?

261

Are International Funds in Investing Still Necessary?

262

How Do I Invest and Set Myself Up for the Future?

263

What’s the Difference Between a Debit Card & Charge Card?

264

This Type of Life Insurance Sucks

265

Here’s Why Dave Ramsey Doesn’t Own Any Single Stocks

266

Should I Pay Off My Rental Property?

267

Am I Headed for a Financial Cliff?

268

I’m Begging You Not To Do This

269

Pause Investing To Pay Off Our House?

270

How Do We Know How Much We Need for Retirement?

271

Should I Fire My Financial Advisor?

272

Where Should I Buy Rental Property?

273

The Best Way To Save Money on Taxes

274

How Should I Invest My Commission Check?

275

Should I Pay Down My Mortgage or Earn Interest Saving?

276

401(k): When To Use It and When Not To

277

This Is a Terrible Way To Build Wealth

278

Will I Be Able To Retire Next Year?

279

Why Would I Pay Off My 2% Mortgage?

280

How Do I Protect Myself After Being Sued?

281

Would You Recommend Buying a Foreclosure?

282

Is It Possible To Build Wealth While Renting?

283

Choosing Between Day Care Expenses and Retirement Savings

284

How Should I Split Up My Investments?

285

Should I Invest in an IRA or Save for a House?

286

Was I Wrong To Pay Off My Home?

287

What Account Should I Open for My Newborn?

288

Should I Roll My 401(k) Over to an IRA?

289

How Much Should I Be Investing?

290

What Should I Do After Maxing Out My Roth IRA?

291

What’s the Best Way To Invest in Real Estate?

292

When It Comes to Investing, Keep It Simple (Stupid)

293

Is Giving Excessively the Same As Overspending?

294

Why the F.I.R.E. Movement Isn’t Sustainable

295

Whole Life Insurance Explained

296

You're A Millionaire And Didn't Even Know It

297

When “Passive Income” Isn’t So Passive

298

Can I Invest in Real Estate Instead of My Retirement Account?

299

Don’t Be So Desperate That You Make a Stupid Decision

300

Should I Roll My 401(k) Into a Roth IRA?

301

How Do I Start Saving for Retirement?

302

Should I Leverage Money or Pay Cash for an Investment Property?

303

What’s the Wisest Way To Handle an Inheritance?

304

Real Estate Investing Isn’t All Rainbows & Paychecks

305

Should I Start Buying Into Company Stocks?

306

Where Should We Invest After Paying Off Debt?

307

We Disagree With What To Do With $80K

308

How Do We Prepare for Early Retirement?

309

Why Real Estate Can Be a Blessing or a Curse

310

Is a Roth Conversion a Good Idea?

311

Don’t Confuse Speculating With Investing

312

These Bad Decisions Will Steal Your Wealth

313

We Always End Up Owing the IRS Every Year…

314

Where Should I Be Investing?

315

Dave’s Guide to Flipping Houses

316

Is It Wrong To Build Wealth?

317

How Should I Save for Retirement?

318

Should We Sell Our House in Case of Economic Collapse?

319

Where Should We Save Money for Our Kids?

320

How Should I Start Investing?

321

I Have Lots of Questions About Investing

322

Use Our House Savings To Start a Business?

323

How Do I Balance Today and the Future?

324

Should I Save for a House or Start Investing?

325

This Is the Right Way To Buy a Rental Property

326

5 Signs You’re Not Taking Retirement Seriously

327

Has Dave Changed His Mind About Bitcoin?

328

Can We Afford To Buy a Bigger House?

329

How Do I Start Investing?

330

Use Retirement To Pay Off My House?

331

What Should I Do With a Previous 401(k)?

332

Teaching Kids About Investing

333

This Is the Ultimate Mortgage Hack

334

Do These 3 Things To Set Yourself Up For Retirement

335

When Should We Get a Financial Advisor?

336

All About High-Yield Savings Accounts

337

How Can I Save for My Family’s Future?

338

I Tried Timing the Market and Got Burned

339

You’re Playing Russian Roulette With Your Checkbook

340

Should We Save Money in a 529?

341

This Is What You Should Do With a Million Dollars

342

Where Should We Be Saving Our Money?

343

Is It Too Late for Us To Save for Retirement?

344

Should I Save or Invest Most of My Income?

345

How Should I Use a Large Inheritance?

346

Should I Invest More or Pay Off My House?

347

Struggling With Spending After Paying Off Debt

348

How Can I Maximize My 529 Investing?

349

Where Should I Invest While Saving for a Home?

350

Is a CD the Safest Place for an Investment?

351

Why You Should Ride the Rollercoaster of Investing

352

What’s the Best Way To Invest $200K?

353

I Don’t Want To Wait To Start Investing

354

There’s No Such Thing As “Passive” Real Estate Income

355

What Should My Goals Be in Baby Steps 4–6?

356

The IRS Doesn't Care If You're Homeless

357

Should I Wait for Interest Rates To Come Down?

358

Is Now a Good Time To Buy a House?

359

What Should I Do With Income From My Rental?

360

My Wife Doesn’t Think We Can Afford To Retire

361

Should I Start Flipping Properties?

362

How Can I Invest Without Risk?

363

How Do I Start Investing?

364

How Should I Be Investing Right Now?

365

Should I Invest in My Employer Roth?

366

Don't Let Cost Of Living Paint You Into A Financial Corner

367

The Difference Between Mutual Funds & ETFs

368

If You Do This, You'll Have No Regrets

369

The Power of Compound Interest

370

Should We Trust Our Financial Advisor?

371

How Do I Create Passive Income?

372

This Is NOT the Way You Build Wealth

373

Is My Rental Property a “Unicorn” of an Asset?

374

Should I Buy a House or Rent?

375

Is It Worth Taking Social Security Sooner Than Later?

376

I Make $100K at 20 Years Old Flipping Furniture

377

How Do I Find a Good Financial Planner?

378

Don’t Screw Up Your Life With an AirBNB

379

How Should I Be Investing?

380

Should We Pay Off Our House Before Investing?

381

Is It Wrong To Ask a Financial Advisor’s Net Worth?

382

Am I Morally Required To Pay for My Child’s Education?

383

How Do You Plan for Retirement at a Young Age?

384

All About Baby Steps 4, 5, & 6

385

What's the Best Way To Get Into Real Estate Investing?

386

Where Should I Be Investing?

387

Why Should I Focus on Debt Instead of Investing?

388

Why Index Funds Are Not The Best Mutual Funds

389

Should I Sell My Investment Property?

390

"Fair" Is Where the Tilt-a-Whirl & Cotton Candy Are

391

How Do I Get a Good Return on My Investments?

392

How Much Should I Save in a 529?

393

Should I Invest in Real Estate?

394

I Won $22M in the Lottery and Haven’t Told All of My Family… Should I?

395

This Is Why the Rich Get Richer

396

The Persistent Illusion of Gold

397

With Interest Rates Low, Should We Rent Out Our House?

398

Should I Buy a Personal Home or Commercial Building?

399

Why CDs Are Great for Short-Term, Terrible for Long-Term

400

Dealing With a Rental House Nightmare

401

Can We Shift From Intense to Intentional?

402

When Investing You Have To Consider Risk

403

Why Whole Life Insurance Sucks

404

How Do I Know if I’ll Have Enough To Retire On?

405

Why Whole Life Insurance Plans Are Trash

406

You Don’t Become a Millionaire by Investing Borrowed Money!

407

Should I Leverage Debt To Invest & Build Wealth?

408

I’m Tired of Being a Landlord... Should I Sell?

409

Whole Life Insurance Is the Payday Lender of the Middle Class

410

These 3 Things Will Keep You Broke

411

Should We Wait for Interest Rates To Come Back Down?

412

If You Do This You’ll Be a Multimillionaire

413

How Do I Diversify My Investments?

414

Can You Build Wealth on a Modest Salary?

415

Passive Income Is TikTok Mythology

416

How Can I Catch Up on Retirement Later in Life?

417

How Much Should I Be Investing?

418

Dave Reacts to the F.I.R.E. Movement

419

Should I Invest in a Vacation Home?

420

Don’t Take Financial Advice From Broke People!

421

You’re Sprinting To Get Wealthy and You Need To Slow Down

422

No Debt Or House Payment Make For An Exciting Retirement

423

What Do These Millionaire Careers Have in Common?

424

How I Choose Between a Commission-Based or Fee-Based Advisor?

425

Do We Still Need Life Insurance?

426

We Have a Bull Market and You’re Going To Miss It

427

Never Borrow Money for a Rental Property

428

Should We Buy a Bigger Home if We Use It as a Rental?

429

No! I Was Trying To Tell You That's A Dumb Idea!

430

Using F.I.R.E. To Retire Can Lead To Regrets

431

This Is Why Roth Beats Traditional’s Butt

432

How Can I Use My HSA For Investing?

433

Dave Walks Through His Own Real Estate Mistakes

434

I Took Out a HELOC To Flip a House and Now I Can’t Sell It

435

Alex Hormozi: "Don’t Take Poor People’s Advice on Getting Rich"

436

Pausing Retirement To Save for a House

437

THIS Is How You Become a Millionaire

438

My Financial Advisor Wants Me To Invest Before Paying Off Debt

439

Investing in a Bull Market vs. a Bear Market

440

Is $1.4 Million Enough To Retire On?

441

Are CDs a Good Investment in This Market?

442

Be the Boring Turtle, Not the Sexy Hare

443

How Do I Get Started Investing and Building Wealth?

444

Should I Max Out My 401(k)?

445

Quit Playing Footsie With the Brokerage Funds!

446

Investing in Real Estate vs. Mutual Funds

447

How Do I Start Investing Well?

448

When Does It Make Sense To Refinance Your Mortgage?

449

Should We Pay Someone To Manage Our Investments?

450

If You Share a Bed You Can Share a Bank Account

451

Should I Invest in My Employer’s 401k or a Roth IRA?

452

Should I Borrow To Buy a Rental?

453

Why Home Ownership Will Make You Wealthy (When You’re Ready)

454

I’m Worried I’ll Lose Money in the Market

455

What Do I Do With an Inherited 401(k)?

456

Gold Is Just a Rock That’s Yellow, Not an Investment

457

SPECIAL EPISODE: Real Estate Investing Deep-Dive

458

Should I Let A.I. Direct My Investing Advice?

459

Get Out of Debt Fast, Get Rich Slow!

460

Should I Invest in Company Stocks?

461

Should We Pay Off the House or Save for College?

462

Should I Invest Extra Money or Keep It in Savings?

463

Don’t Let Your Inner Drama Queen Control Your Investing!

464

How Can I Make My Money Work for Me?

465

Is This a Smart Way To Invest in Real Estate?

466

Will We Ever See 3% Mortgage Rates Again?

467

Should We Use the 529 for Private School or Wait for College?

468

Rental Property Is Never Truly “Passive Income”!

469

Should I Move My Money While the Market Is Down?

470

Should I Open a Brokerage Account for My Investing?

471

Why Are You Sitting on So Much Cash?!

472

How Should I Invest if I Want To Retire Early?

473

Our Investments Keep Losing Money… What Should We Do?

474

The Sunk Cost Fallacy Explained

475

Ramsey’s Take on Fair & Equitable Taxation

476

Should I Pay Off My House or Buy a Rental?

477

Be an Owner, Not a Loaner

478

I Don’t Trust the Market… Should I Be Investing?

479

I Want To Try House Hacking… Should I?

480

What’s the Best Way To Invest My Money?

481

2023 Real Estate Trends: Should You Buy a House Right Now?

482

Should I Invest While I'm Still in Debt?

483

The Great News About the SVB Collapse

484

Become a True Investor Instead of a Victim of Debt

485

Should I Be Discouraged by the Returns on My Investments?

486

Don’t Be Smarter Than Simple!

487

Investing vs. Paying Off the Mortgage

488

Freedom Beats Employer Match Every Time

489

10 Things You Need To Know About the Secure Act 2.0

490

Here’s Why Whole Life Insurance Sucks

491

There's Never A Good Reason To Borrow From Your 401(k)

492

Should I Open a “Super Roth”?

493

How To Maximize Retirement Savings When You Have A 403(B)

494

How Can I Max Out My Retirement?

495

Everyone Around You Is Broke!

496

Which IRA Option Is Best: Traditional or Roth?

497

Pause Retirement When Switching Careers?

498

How Can I Get Into House Hacking?

499

Investing Strategy Is a Filmstrip, Not a Snapshot

500

Don’t Fall for the Nothing-Down Real Estate Trap!

501

Lump Sum vs. Dollar Cost Averaging

502

Where Can I Invest for the Fastest Growth?

503

What Should I Do With a Pension?

504

Should I Do Roth Until I Get a Company Match?

505

Don’t Let FOMO Guide Your Investing Strategy

506

Bonus Episode: Are You Ready to Build Wealth in 2023?

507

What’s the Smartest Way To Use My HSA?

508

The Dirty Little Secret About Real Estate Rentals

509

Dave's thoughts on REITs & DRIPs

510

The Truth Behind “Leverage” & “Arbitrage”

511

How Do I Get Started Investing?

512

Should We Pull Our Money Out of the Market?

513

How Do We Best Save for College?

514

What’s the Best Strategy for Investing?

515

Dave Explains Why Whole Life Insurance Sucks

516

Why You Should Only Invest in What You Understand

517

Cashing Out Investments To Pay Off a House

518

I’m Finally Making Good Money & I’m Worried It Will Change Me

519

Should I Roll Over My Pension Into a Company 401(k)?

520

How Can We Pay Off Our House More Quickly?

521

DAVE RANT: This Is a Million Dollar Mistake

522

How Should We Set Up Our Retirement Accounts?

523

This Is Why Dave Ramsey Is Against Debt

524

It IS Possible To Retire As A ZERO Debt Millionaire

525

Invest or Pay Off the House?

526

Should I Cash Out My Investments & Go All In on Crypto?

527

Why Paying Off Your House Is A Great Investment

528

How Should I Choose a Retirement Option?

529

How Should I Be Saving for My Kid’s College?

530

How Should I Invest $100K?

531

Should I Use a Unified Managed Account?

532

FTX Collapses (We Tried To Tell You…)

533

Why Are International Funds Part of Your Investing Strategy?

534

Am I Contributing Too Much to My 401(k)?

535

I Tried “House Hacking” and It Was a Disaster

536

Anyone Can Become a Millionaire!

537

Should I Really Pay Off the House?

538

Should I Invest in My Company Stocks?

539

Hear How Steve Hit a $6.9M Net Worth at Age 52!

540

What Is the Best Retirement Option?

541

Should We Convert to Roth?

542

How Can I Find a Good Deal on Real Estate Investments?

543

THIS Why You Don't Buy Property With Friends

544

Should I Invest More Than 15% To Catch Up?

545

How Do I Save for My Kids' College?

546

Should I Give Up the 401(k) Match Until I Pay Off My Debt?

547

My IRA Is Losing Money… Should I Pull Out?

548

My Husband & I Disagree on How To Invest

549

Should I Ever Invest More Than 15%?

550

Mutual Funds vs. Index Funds

551

Shouldn’t I Invest Instead of Paying Off My House?

552

Real Estate Investing As “Passive Income” Is a Myth!

553

How Do We Split Up Our 15% Investing?

554

How Do I Invest $2.5 Million?

555

Graham Stephan on Real Estate, Investing & Living Below Your Means

556

How Do I Start Building Wealth?

557

What Is an Index Fund & Should I Invest in One?

558

How Does a Sinking Fund Work?

559

Should I Invest in Employer Stock Options?

560

Allan Has a $3.8M Net Worth at Only 46

561

The Problem With Investing Culture Trends

562

What’s the Best Way To Save for Retirement?

563

How Can I Hedge Against Inflation?

564

How Do I Save for Kids College?

565

Are My Investments in the Wrong Places?

566

Renting out Commercial Real Estate

567

Why Is Saving for College Part of the Baby Steps?

568

Should I Diversify Outside of My 401(k)?

569

I’m Having Trouble Contributing 15% to Retirement

570

What’s the Best Way To Invest Without a 401(k)?

571

Should I Buy My Company’s Stock?

572

Move Money From a 401(k) to a Roth?

573

Save for a House or Invest?

574

How Do I Stay Motivated After Paying Off My House?

575

I’m Scared To Invest in the Stock Market… Do I Have To?

576

What To Do With a Pension Payout

577

How Do I Calculate My Net Worth?

578

My Wife Is Scared To Use an Investment Pro

579

What’s the Best Way To Save for College?

580

Should I Cash Out My Investments To Pay Off My House?

581

Should I Convert to a Roth?

582

Pause Investing To Pay for College?

583

What’s the Deal With Pensions?

584

What Do I Do With My Old Retirement Account?

585

Preparing to Invest After Graduation

586

Retirement Plans Changed...What Should I Do?

587

Moving From One 401(k) to Another

588

How Can I Diversify My Roth?

589

Should We Invest in More Than Our 401(k)?

590

How Do I Get Started Investing in Real Estate?

591

Should I Still Be Investing?

592

Traditional or Roth 401(k)?

593

What Is a “Bear Market”?

594

How Should We Be Investing Right Now?

595

How Does Compound Interest Work?

596

Should I Do a 401(k) Without a Company Match?

597

Never Invest in Something You Don’t Understand

598

Should I Max Out My Roth IRA or 401(k)?

599

How To Be Intentional in Baby Steps 4, 5, & 6

600

What if We Don’t Use Our Kids’ 529 Plan?

601

Saving Up To Pay Off Our House

602

How Should I Spend a Large Inheritance?

603

Should I Stop Investing While the Market Is Down?

604

Studies Show 401(k) Millionaires Are Booming

605

Should I Invest Like Crazy or Pay Off My Mortgage?

606

You Can’t Be Dramatic & Win at Investing

607

Should I Stay Gazelle Intense Forever?

608

How Do I Pick Funds for My 401(k)

609

Here’s How You Make Money in Real Estate

610

When Should We Get a Financial Advisor?

611

Investing in a Roth vs. Deferring Taxes Until Retirement

612

I Have $500K in the Bank I’m Afraid To Invest

613

How Do I Allocate Funds in My Portfolio?

614

Do I Need Long-Term Care Insurance?

615

Pause Retirement To Pay Cash for a House?

616

How Should We Save for College?

617

How To Invest During a Down Economy

618

Should I Work For a Company Without a 401(k) Match?

619

Roth vs. Traditional: Which is Better?

620

When Can I Let My Foot off the Gas & Have Fun?

621

Should I Stay in a Traditional 401(k)?

622

Are We Saving Too Much for College?

623

Still Stressed in Baby Steps 4, 5, & 6

624

What's the Best Mutual Fund?

625

Do I Freeze My Pension To Get a Higher Match?

626

How Do I Start Investing at a Young Age?

627

How Much Should We Invest for Long-Term Care?

628

Should I Take My Pension in Full or in Payments?

629

Should I Leave My Money in The Market?

630

Should I Freeze My Pension To Get A Higher 401(k) Match?

631

Should I Sell My Vacation Home To Pay Off My Primary House?

632

Why Should I NOT Get a Reverse Mortgage?

633

Dave, Can You Clarify What a Fixed Index Annuity Is?

634

Should I Invest My Money or Pay Off My House?

635

Why Should I NOT Get A Reverse Mortgage?

636

I'm in Baby Step 7 but Having Trouble Spending Money

637

When Do I Start Drawing Social Security?

638

How Long Should I Hang On to Underperforming Funds?

639

Why Dave Ramsey Suggests Investing 15% of Your Income For Retirement

640

Pull Money From My IRA To Pay Off My House?

641

What Should My Retirement Withdrawal Rate Be?

642

How Do I Justify Buying a New Truck?

643

Is a Ladybird Deed a Good Idea for Us?

644

Should I Rebalance the Funds In My 401(k)?

645

Should I Use Retirement Money for Home Improvements?

646

I Have Money All Over The Place - How Do I Get Organized?

647

I’m Being Told NOT To Pay Off My House...Should I Listen?

648

Should I Roll My Traditional 401(k) to a Roth?

649

This Is How You Pick the Right Financial Advisor

650

I Don't Know What To Do With All of My Money!

651

Should I Invest My Inheritance or Pay Off My House?

652

How Do I Start Investing at 60 Years Old?

653

Should I Hold Off on My Back-Door Roth Conversion for This Year?

654

Should I Consider a Reverse Mortgage?

655

I'm Debt Free but Having Trouble Spending Money!

656

How Aggressively Should I Be Investing at 75?

657

My Wife Doesn't Think We Need A Financial Advisor

658

How Do I Invest $1,000,000?

659

How Do I Start Saving for an Early Retirement?

660

How Big of a House Should I Buy?

661

We're Debt Free With $100,000...What Do We Do?

662

What Do I Do After Maxing Out Investments?

663

What Is The Best Way To Pay Off My Mortgage?

664

Should I Pull Out My $400,000 In Stock?

665

I'm 47 and Afraid I Won't Have Enough To Retire!

666

Should I Take Out Social Security Now Or Wait?

667

What’s The Best Way To Invest $40,000?

668

How Do I Protect My Assets As A Millionaire?

669

Pay Off The House or Make Home Improvements?

670

Should I Max Out Retirement Now and Cash Flow College Later?

671

When Is It Safe To Drop My Life Insurance?

672

How Do I Become a Decamillionaire?

673

Should I Invest $100,000 or Become Debt-Free?

674

I’m on Baby Step 7! Now What?

675

Should I Start Taking Social Security and Invest It?

676

Should I Really Pay Off My Mortgage Instead of Invest?

677

Should I Keep My Rental or Sell It Since the Market Is Hot?

678

Should I Use A HELOC Because Everyone Else Is?

679

Can You Be “Gazelle Intense” to Build Wealth?

680

When Is It Okay to Buy A Rental Property?

681

You Have Cash...You Don't Need a Mortgage!

682

Where Should I Park My Savings for a House?

683

Can I Afford This $1,00,000 Toy?

684

What Is the Benefit of a Roth 401(k)?

685

Should I Pause Investing to Load Up a College Fund?

686

Why the "Tax Benefit" Isn't Worth Keeping a Mortgage

687

What Is the Best Way to Grow My Savings?

688

Should We Keep Paying Extra on Mortgage Even Though We're Moving?

689

Keep Investing in International Stocks Even Though They Suck?

690

How to Build Wealth on a Low Income

691

We're Debt-Free and Don't Know What to Do with Our Extra Money

692

I'm On Baby Step 7 but Afraid to Spend Money!

693

Should I Pause Investing to Front-Load a 529?

694

Should I Be Investing 15% of My Side Income?

695

Should I Take the Lump Sum Retirement Option?

696

How Much Do I Contribute on Top of My 401(k) Match?

697

How Do I Leave an Inheritance That Won't Be Taxed?

698

How Can I Invest Money but Also Keep It Liquid?

699

I'm Debt Free...How Do I Balance Spending and Investing?

700

My Daughter Got a Full Ride Scholarship...What Do I Do

701

How Much Should I Be Putting Into My 401(k)?

702

Should I Stop Investing To Save for a House Down Payment?

703

How Should I Be Saving for My Kid's College?

704

I'm Getting $200,000...What Should I Do With It?

705

Why Reverse Mortgages Are NEVER a Good Idea

706

Should I Sell My Rentals While the Market Is Hot?

707

You'll Never Become a Millionaire if You Believe This Lie

708

Pay Capital Gains Tax or Buy Another Property?

709

What's the Difference Between a 529 and an ESA?

710

Should I Roll My 401(a) Plan or Leave It?

711

Should I Use My Mutual Funds To Pay Off My House?

712

When Is an Umbrella Policy a Good Idea?

713

Should We Pay Off Our House Before We Start Investing?

714

Should I Sell My Rental and Get Hit With Huge Capital Gains Tax?

715

I'm Afraid To Pay Off My House!

716

I'm 60 With Little Saved for Retirement and I'm Confused

717

What Do I Do With the 401(k) From My Old Job?

718

I Paid Off My House and Don't Know What To Do With the Extra Money!

719

Should I Sell My Volatile Vacation Property?

720

Does It Make Sense For Me To Buy a New Car Now?

721

Should I Pay Off My House or Start Investing First?

722

Is $3 Million Enough To Comfortably Retire On?

723

Where is the Best Place To Put My Kid's College Fund?

724

Do I Need a Bigger Nest Egg Even Though I'm a Millionaire?

725

Am I Investing in the Right Type of Mutual Funds?

726

How Do I Use My HSA as a Retirement Account?

727

How Do I Balance Paying Off the House and Investing?

728

We Are Millionaires but My Husband Freaks Out About Spending!

729

What Do I Invest in After Maxing Out My 401(k)?

730

What Is the Best Strategy for Investing in Real Estate?

731

You Are Statistically a Moron if You Think THIS About Millionaires - Dave Ramsey Rant

732

You Guys Need to STOP Monkeying Around With This Stuff

733

Company Stock Makes Up Half My Income...How Do I Manage That?

734

THIS Is the Secret to Becoming Wealthy

735

You ARE Going To Be a Baby Steps Millionaire!

736

What Is the Most Important Part of Investing Successfully?

737

You Don't Need My Opinion if You're Going To Work Your Own Plan!

738

Is Investing or Paying Off the House More Important?

739

Should I Be Investing More Than My Mandatory Contribution?

740

Is a Roth 401(k) Better Than a Roth IRA?

741

How Wealthy Do You Want To Be?

742

Should I Come Out of Retirement To Work a Job I Don't Need?

743

We're Debt Free...Now What?

744

My Husband Doesn't Think I Need Life Insurance!

745

Does My Income Bracket Change My Investing Strategy?

746

Should I Buy a Second Home?

747

Do I Need an Umbrella Insurance Policy?

748

We're Paying Off Our House Tomorrow...What Now?

749

Use a Cash-Out Refinance To Buy Another Home?

750

Am I at the Point Where I Can Buy an Expensive Toy?

751

I Just Found Your Investment Opportunity...

752

Should I Use the Acorns App for Investing?

753

Why Is a 529 Better Than a Brokerage Account?

754

Should We Sell One of Our Houses To Pay Off Our Kid's Mortgages?

755

I'm Debt-Free but Feel Guilty About Spending Money

756

What Do We Do With Extra Money Every Month?

757

How Much Do I Contribute to My 401(k) if There's a Match?

758

We Have $190,000...What Should We Do With It?

759

Welcome to "Ramsey Everyday Millionaires"