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The Ramsey Show

Discipline Is the Difference Between Broke and Wealthy

Dienstag, 4. August 2026 · 2 h 08

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📈 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (ter.li/zqzs8w)

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Dave Ramsey and Rachel Cruze answer your questions and discuss:

• “Can I frontload our retirement and 529 accounts for a few years and then stop contributing?”

• “Is paying for a more expensive daycare worth it while we are trying to pay off debt?”

• “I hate the idea of investing in mutual funds because I don't have voting rights. Can I be successful investing in small companies?”

• “I switched careers and now I am making a third of what I used to, should I switch back to my old career?”

• “Is it a good idea to sell my house and live in a van?”

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