STOP MAKING MONEY MISTAKES: BAD CAR UPGRADES, IRA PITFALLS, MENTAL HEALTH & PAYDAY LOANS

On The Ramsey Show, Dave Ramsey and his team of experts deliver no-nonsense financial advice that helps real people take control of their money, make smart life choices, and build a future of stability and success. In this episode, callers bring tough questions, and Dave pulls no punches. A young man wonders if upgrading his car will help impress women, but Dave sets him straight—success and confidence aren’t found in flashy cars, but in solid financial footing. Another caller worries about burning through his IRA too quickly, and Dave breaks down the real dangers of spending retirement savings too fast. The conversation takes a deeper turn as someone asks how to balance Dave’s famous Baby Steps with mental health challenges. The team offers practical strategies to keep moving forward without being overwhelmed. And finally, a desperate caller is being sued by a payday lender, trapped in the cycle of high-interest debt. Dave lays out a game plan to escape the trap, avoid financial predators, and start making choices that lead to freedom, not bondage. If you want real answers and a plan that works, this episode of The Ramsey Show delivers wisdom you won’t hear anywhere else.