TAKE CONTROL OF YOUR MONEY: 401(K) TRUTHS, BUILDING WEALTH ON $65K

On this episode of The Ramsey Show, Dave Ramsey and his team of trusted experts tackle real questions from real people trying to make smart, responsible choices with their money and their future. A caller shares that her boyfriend believes 401(k)s are a scam, and Dave sets the record straight by explaining how retirement savings work and why long-term investing matters. Another listener asks how to build wealth on a $65,000 income, and the hosts walk through a step-by-step plan to budget, get out of debt, and grow wealth over time with discipline and focus. The team also discusses whether it’s better to use tax software or hire a professional, and they offer solid advice based on each person’s situation. A young couple wonders if moving to a bigger city is the right move financially, and Dave offers a no-nonsense perspective on living within your means. Finally, someone asks if filing for bankruptcy can be reversed, and the show breaks down the legal and financial realities. This episode is packed with practical wisdom, strong values, and encouragement for anyone ready to take control of their life and money with integrity and common sense.