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Wealth Doesn't Happen By Accident
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Rachel Cruze answer your questions and discuss: “My wife loaned out $45,000 of our money behind my back” “My husband hasn't had a job in eight years and I'm struggling to make ends meet. Should I divorce h
One Decision Can Change Everything
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and George Kamel answer your questions and discuss: “My fiancé says I’m financially abusing him because I won’t use my inheritance to pay off his credit card debt” “We bought a home with concealed structural p
The Numbers Don't Lie
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Dr. John Delony answer your questions and discuss: “I won $400,000 in a scratch-off lottery ticket, how should I manage this money?” “I’ve been living in my car for 6 months after a nightmare with home owner
Sacrifice To Win
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Rachel Cruze answer your questions and discuss: “My mother has been irresponsible with her money; will I be responsible for taking care of her?” “I just found out I will be inheriting 100 ounces of gold. W
Life Is Complicated. Money Doesn't Have To Be.
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and George Kamel answer your questions and discuss: “We’re house poor, should we sell the house?” “I’m $28,000 upside down on my car, how do I get out of it?” “As a Christian, how do I go about starting a busines
Take The First Step Toward the Life You Want
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and Dr. John Delony answer your questions and discuss: “My girlfriend and I have different views on money. How do we talk through this and come to an agreement?” “I just lost $1,300 of child support a month and no
Financial Wisdom Matters More Than Financial Timing
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Dr. John Delony answer your questions and discuss: “Should we sell our paid-off vehicles to pay down our $193,000 of debt?” “My husband doesn’t want to work—should I divorce him?” “I’m upside down on a truck
It's Never Too Late To Build Wealth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Geroge Kamel answer your questions and discuss: “Should I just give up on paying off $200,000 of debt and let my credit get destroyed?” “We have $186,000 of debt and disagree on whether we need to sell our home to c
Stop Letting Excuses Keep You Broke
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw Dr. John Delony answer your questions and discuss: “Should we use a credit card to pay for a $100,000 septic tank repair when we’re already deep in debt?” “My boyfriend wants us to pay off his debt once we’re married and pu
The Decisions You Make Now Shape Your Success
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “Should we pay off $40,000 in credit card debt or go into stork-mode?” “How do I weigh passion versus earning potential when choosing a career?” “Should I drain my emergenc
When You Don't Have Payments, You Have More Options
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “I’m $108,000 in debt, living in my car, and my wages are being garnished. How do I get through this?” “Should I leave my husband after he’s been unemployed for ten years?” “I w
Ordinary Habits Will Build Extraordinary Wealth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “We are going into the red every month with our bills, how do we get our income up?” “My contractor ripped me off and I lost $30,000, what should I do?” “My job wants me to buy shares i
Wealth Is Built On Facts, Not Feelings
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My friend wants to give me a property for free, how do I handle this?” “My sons unexpectedly inherited $400,000, what should we do?” “I took out a loan against my stocks, now I can barely
A Bigger Paycheck Won't Fix Bad Money Habits
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Should I use my investments to pay off my debt?” “How can I get my husband to stop blowing money on day trading?” “My fiancé wants a prenup but I don't think we need one, what should I do?”
You Can't Borrow Your Way To A Better Life
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel answers your questions and discuss: “My mom wants to take my brother off the will and give me everything—should I split it with him after she passes?” “Should we sell the farm so we can live debt-free?” “Can I borrow money to buy my own cows?” “
Nobody Else Gets A Vote On Your Finances
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “My parents got scammed out of their entire retirement and racked up over $100,000 of debt—how do I help them?” “I feel uneasy about the strings attached to the money my father-in-law is giving us f
Life Gets Easier When You Don't Owe Anyone
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “Should we refinance our home to pay off debt?” “Is it okay that we keep our finances separate if my husband covers all the bills?” “Should I sell my house to pay off my debt?” “Everyone is
Take Debt Off The Table For Good
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “I won $500,000 from the lottery—when should I claim the money for tax purposes?” “Is it okay to drain 68% of our Roth 403(b) to pay off our house?” “How can we rent a home without a credit score?”
Changing Your Money Mindset Is The First Step To Lasting Wealth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “Should I pull from my investments to pay my mortgage off?” “My wife has been diagnosed with terminal cancer and I'm worried I don't have enough saved.” “Is an Airbnb a good investment?” “Does it set
You Don't Have to Stay Stuck
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Should I take out $250,000 in student loans to go to vet school?” “We used a HELOC to start a coffee shop and ran out of money. Should I take out a personal loan to keep going?” “My father-in-law isn't hon
Building Wealth Requires Trusted Principles, Not Popular Opinions
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and John Delony answer your questions and discuss: I'm 48, have nothing saved for retirement, and I can't rely on my husband financially I feel like my husband's new employer is engaging in shady business practices My husband follows a TikToker who promotes ge
Set Money Goals Your Future Will Thank You For
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: How do I convince my fiancée that we need to sell our house to pay off debt?” “My girlfriend shuts down every time I bring up finances. How do we get on the same page?” “I’m not comfortable with my hus
You Aren't Defined By Your Financial Mistakes
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “I'm drowning in minimum payments on my credit cards. Is debt consolidation my only hope?” “I just found out about my husband's gambling addiction and everything is gone. What do I do?” “Our rent is 50% of
Financial Peace Is Built, Not Borrowed
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “We have $175,000 of debt, how do we pay it off?” “My house is going into foreclosure but I paid on time, what should I do?” “My husband’s dream business hasn’t made any money in four years. At what point
Building Wealth Means Choosing What Matters Most
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “My husband has borrowed $100K against his 401K behind my back, should we separate our finances?” “We own more on student loans than our house, should we pay off the student loans first?” “Our preferred daycar
Don’t Let Your Emotions Drive Your Financial Choices
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Dr. John Delony answer your questions and discuss: “My in-laws paid for our wedding, but now they're sending us bills for everything” “My wife and I bought a house with her inheritance and now she wants a divorce, how do we split it?” “I've been let go from nine
Wise Money Decisions Start With Clear Priorities
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “How can I afford a house when I'm budgeted down to the dollar?” “We're struggling to combine finances after being married for 19 years.” “Should we refinance our house to buy an investment property?” “How muc
You Can’t Shortcut Your Way to Wealth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My husband keeps fighting me about buying prepared meals while we are trying to pay off debt. Is he right?” “How do I prepare financially to go through a custody battle?” “I just lost my job, should I try to sue f
Choose Lasting Wealth Over Temporary Comfort
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “My son found a valuable baseball card; how do I invest the money for him when it sells?” “I am about to inherit $2 million; how do I manage this money?” “I’m in $55,000 of debt and my income is not enough to cover my bill
Develop Steady Habits That Create Lasting Wealth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “Should I sell my precious metals to pay off our home?” “My daughter stopped talking to me because I told her I will not go into debt to pay her college expenses.” “My husband was diagnosed with dementia; how big of an emerge
Building Wealth Means Defining Needs vs. Wants
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “We got married in the church but did not get legally married because of my finances. When can we get married?” “My wife doesn't want us to use our savings to pay the taxes on a Roth conversion. How do I explain to her that this is
Stop Letting Others Call The Shots With Your Money
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “My father is going to leave all his wealth to my sons in order to spite me, and I'm worried about how this will affect my kids” “My husband gets notified every time I buy anything and controls all of our finances” “I was scammed
Debt Is Not A Problem Solving Tool - Financial Peace Is
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Dr. John Delony answer your questions and discuss: “I’m about to inherit $5 million, how do I wisely manage this money with my fiancé?” “We’re in $48,000 of debt, our house is in forbearance, and my husband doesn’t support us financially. What do I do?” “I was taken to small claims
Financial Chaos Doesn't Have to Define Your Future
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “I inherited a property with a mortgage that I can't afford. What should I do?” “My husband says he won't pay off my student loans because I should've paid them before marriage.” “I have $131,000 of debt, I'm behind on my taxes, and I'm s
Following a Proven Plan Is the Fastest Way To Build Wealth
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Dr. John Delony answer your questions and discuss: “My husband was hiding over $100,000 of debt from me, should we take out a HELOC to pay it off?” “My parents are terrible with money and expect me to help them in retirement, where do I draw the line?” “We don’t know how to start the Baby
Live from Anaheim: The Ramsey Show on Tour
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Ken Coleman, Rachel Cruze, and George Kamel take The Ramsey Show to Anaheim for a live audience episode featuring real money questions from the crowd. They tackle combining finances in marriage, family tenants and estate decisions, loneliness after divorce, financial differences with loved ones, preparing heirs for
Debt Is Always the Symptom of a Bigger Problem
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Should I sell the house to make myself debt free?” “My parents don’t think they need to save for retirement because they are convinced they are getting raptured soon.” “My parents will pay me to take care of them but want to hide it from my
Start Telling Your Money What To Do
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “I’m in $37,500 of debt, I work 55 hours a week and it’s still not enough to cover my bills. What should I do?” “I took out $115,000 of student loans to become a lawyer. I hate it. Should I quit my job?” “We make $374,000 a year, why are we s
If You Want Wealth Do What Wealthy People Do
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “My fiancé gives so much of his money away that he ends up living paycheck-to-paycheck—how do we balance giving?” “My mortgage payment is 50% of my income; should I sell my house or keep it?” “I’m $250,000 in debt—should I sell my business?”
Stop Looking for Shortcuts and Make Progress with Your Money
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. George Kamel and Dr. John Delony answer your questions and discuss: “I'm terminally ill, how do I set my family up for the future?” “Should I take a $30,000 retention bonus if it means I have to stay at my job?” “How do I finance the purchase of a lot that I have wanted to buy for ten years?” “What should my 1
You Don’t Have to Retire Broke—Time Changes Everything
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and George Kamel answer your questions and discuss: “I'm 66 with nothing saved for retirement and just paid off all my debt, what should we do next?” “My husband told me that I will never have access to his accounts.” “We have been using a credit card to cover our four walls for the past three years t
You Can't Out Earn Bad Financial Behaviors
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My friend offered to pay off my $73,000 debt and become my lender—is this a good idea?” “I spent $10,000–$15,000 on Pokémon cards using a credit card and can’t sell them. What should I do?” “My mother-in-law wants us to help pay for her vacation hom
Fear Doesn't Call The Shots On Your Finances
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and George Kamel answer your questions and discuss: “I am supposed to form an LLC with my sister but I don't trust her. She tried to steal $350,000 from me.” “My fiancé thinks it's inappropriate for me to gift money to my late boyfriend's nieces and nephews.” “My wife would rather spend money on exper
Building Wealth Requires a Long-Term Investing Mindset
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “We make $200,000 a year but are still living paycheck-to-paycheck. How do I pay off debt?” “My sister is constantly running up her credit card debt and my mom keeps bailing her out with my inheritance.” “We are completely debt-free but it still feels li
Financial Pain Creates Real Change
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Jade Warshaw George Kamel answer your questions and discuss: “My husband may be deported by the end of the year, should we pause paying off debt and stack cash?” “My husband’s family is constantly asking us for money, are we feeding their poor financial habits?” “Should I continue to let my boyfriend generously pay o
Fix The Money Mess That’s Stressing You Out
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “My boyfriend gave me a list of things I need to work on in order for him to propose to me, should I dump him?” “My husband accumulated $200,000 of debt behind my back. How do we work through this?” “My mother is in debt and has nothing saved for ret
No Matter Your Income, You Can Still Build Wealth
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My grandfather cosigned a $62,000 car for my nineteen-year-old son. Should we sell it?” “My income went down, now I have $100,000 of debt and I'm living paycheck-to-paycheck. What should I do?” “Someone used my identity and stole $45,000. Do I have any recourse
The Best Financial Plans Don’t Rely On Debt
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Am I about to become my boyfriend's retirement plan?” “How do I avoid taking care of my parents financially?” “Should I put our home in a trust to protect it from my husband's bad decisions?” “How do I get out of debt when I can't stick to a budget?”
Stop Starting Over and Break the Cycle for Good
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Rachel Cruze and George Kamel answer your questions and discuss: “My husband wants to separate our finances as we restart the Ramsey plan for the fourth time—what should I do?” “I’m $37,000 in debt, living off cash advance apps, and can’t seem to get out of this cycle. How do I break free?” “I make good money, but everything still f
Financial Stability Starts With Changing How You Think About Money
❓ Have a money question? Ask Ramsey is here to help. 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. Rachel Cruze and John Delony answer your questions and discuss: ‘How do I stop living paycheck-to-paycheck?’ 'I'm in $20,000 of gambling debt, how do I stop this addiction?' 'How do we tackle $189,000 of debt with a baby on the way?' 'How do I budget when my legal fees are more than I can pay without debt?' 'My broke
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Coffeez with Joe Shalaby
By shows
Hosted by Joseph Shalaby, Founder and CEO of E Mortgage Capital, this isn’t your typical business podcast. Each episode brings you inside the minds of high-level entrepreneurs, investors, athletes, celebrities, and cultural voices shaping today’s economy — not just what they do, but how they actually win. From raw origin stories and early struggles to the real mechanics behind how money is made, scaled, and sometimes lost, Joe cuts through the noise to get to what matters. No fluff. No surface-level answers. Set inside the world of Coffeez, every conversation unfolds with intention — how they started, how they built, what it cost them, and what separates them now. Whether you're building something, investing in something, or simply trying to understand how the game really works, Coffeez with Joe Shalaby delivers unfiltered insight from people who are actually in it.

Tomorrow, Today
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What if humans lived 300 years? What if AI replaces friendships? What if consciousness could be uploaded?Tomorrow, Today is hosted by Shekhar Natarajan, founder and CEO of Orchestro.AI and former senior executive at American Eagle, Walmart, Target, and Disney, where he led global innovations in technology and supply chain. Having shaped how industries adapt to disruption, Shekhar now considers the questions that will define humanity’s next era.Blending cinematic storytelling, raw conversations, and unfiltered perspectives, Tomorrow, Today explores breakthrough ideas before they become mainstream. Each episode brings together world-class experts, cultural voices, and everyday people to unpack the opportunities and risks of a rapidly evolving future.The future is coming. Tomorrow, Today helps us decide what to do about it.
