You Can’t Build a Future on Borrowed Money

2025-07-15

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📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ Dave Ramsey and Dr. John Delony answer your questions and discuss: "How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?" "I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?" "I am $280,000 in debt on business credit cards, should I file for bankruptcy?" "Should we buy our car that was totaled by the insurance company?" "Should I move into the parsonage for my church...

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠

Dave Ramsey and Dr. John Delony answer your questions and discuss:

"How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?"
"I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?"
"I am $280,000 in debt on business credit cards, should I file for bankruptcy?"
"Should we buy our car that was totaled by the insurance company?"
"Should I move into the parsonage for my church?"
"Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?"
"I'm being sued by my mom's ex-landlord, should I be worried?"
"Where should my family invest our nest egg?"
"Should I cancel my universal index policy?"
"How much can I spend on travel while in retirement?"
"How do I adjust as a newly single mom?"
"How can I get more income while I'm on workers' comp?"
"How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance"