HOW TO CONQUER DEBT, DISAGREEMENTS, AND FINANCIAL SETBACKS

In this powerful episode of The Ramsey Show, the financial experts tackle some of the toughest real-world money problems. One caller owes $8,000 in collections and $4,000 to the IRS and needs a clear plan to climb out of debt. Another wants to know how much to spend on a new truck without wrecking their budget. A couple struggles to find common ground when it comes to managing their household finances. The hosts also break down whether it’s smarter to refinance or recast a mortgage, explaining the pros and cons of each option. Finally, they guide a caller who feels trapped—no savings, $50,000 in debt, and facing a divorce—showing that financial freedom is still possible with the right steps. This episode is packed with practical advice, straight talk, and the motivation to take control of your money and your life.