???????? ????Share the Ramsey 101 Playlist!????? Dave Ramsey and George Kamel answer your questions and discuss: "How do I navigate refusing a large monetary gift from family due to cultural expectations?" "I'm about to take on $200,000 of student loans, how do I begin to pay this off?" "Dave, have you gone soft on Crypto?" "I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan" "How do I support my household on my own when my husband doesn't work?" "Should I take the buyout or the monthly payments for my pension?" "How do I ask my boss for a raise?" "Should I take out a HELOC for home repairs?" "Should I re-enter the workforce if it means that I will be away from my friends and family more?" "Is it okay to not buy a home for a couple of years while living in a foreign country?" "My husband says I'm financially abusive, is he right?" "Can I go on vacation while I am saving for a house?" "How do I improve my credit score so I can get balance transfer credit cards?" Next Steps: ??????? ?Help us make the show better. Please take this short survey.?? ???? Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or???? ?send us an email.????? ???? Get episodes early in the free Ramsey Network app! ???????? ?Are you on track with the Baby Steps? Get a Free Personalized Plan????? ??????? Get trusted insurance coverage that fits your budget. ???????? Your Total Money Makeover starts here. ???????? ?Start your free budget today. Download the EveryDollar app!???? Connect with our Sponsors: Stop paying more and start shopping smarter at ALDI Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Find top Health Insurance Plans at Health Trust Financial Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more For more information, go to SimpliSafe Use promo code RAMSEY for 18% off at The Nokbox Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: ???? ????The Ramsey Show Highlights???? ???? ????The Dr. John Delony Show???? ???? ????Smart Money Happy Hour???? ???? ????The Rachel Cruze Show???? ???? ????George Kamel???? ???? ????Front Row Seat with Ken Coleman???? ???? ????EntreLeadership???? ????Ramsey Solutions Privacy Policy???? Learn more about your ad choices. Visit megaphone.fm/adchoices