You Can Stay Broke Or Start Changing | October 10, 2025

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🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz! ⮕ https://ramseysolutions.outgrow.us/ab/money-in-america Jade Warshaw and Dr. John Delony answer your questions and discuss: - "Should we accept money from my in-laws?" - "I can't pay my bills, should I file bankruptcy?" - "When can we open "fun" accounts while working the Baby Steps?" - "How do I build my credit score without debt?" - "Is using a line of credit a good way to pay off a house faster?" - "When in the Baby Steps do we start saving for adoption?" From Today's Episode: 📞 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! ⮕ https://ramsey.solutions/1p3l46 💻 Can an online will work for you? Take this quiz to find out!- https://ter.li/5o4grh 📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year! - https://ramsey.solutions/js5c3x Helpful Resources from Ramsey Solutions: 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb 💵 Start eliminating debt for free with EveryDollar - https://ter.li/0gzovi 🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft 📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne Connect with our Sponsors: - Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us - Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey - Go to Casper Sleep and use promo code RAMSEY to learn more. ⮕ https://www.Casper.com/Ramsey - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/ - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey - FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey - Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com - Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com - Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/ Explore more from Ramsey Network: 💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h 🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g 🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa 💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c 💰 George Kamel ⮕ https://ter.li/2ma765 🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn 📈 EntreLeadership ⮕ https://ter.li/proqeb Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Breaking Free From Broke: https://ter.li/erxgtw Baby Steps Millionaires: https://ter.li/lc5vki Build a Business You Love: https://ter.li/gqi49q Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn Total Money Makeover: https://ter.li/0rvomx I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p Smart Money Smart Kids: https://ter.li/jyghza EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6 Questions for Humans: Intimacy https://ter.li/jcaqu4 Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5