???? Are you on track with the Baby Steps? Get a Free Personalized Plan ???? Watch the full episode for free in the Ramsey Network app. Dave Ramsey and George Kamel answer your questions and discuss: "Should I settle with the creditor who sold my repossessed car?" "How do I get out of my real estate investments?" "When can we spend money on a vacation?" "I'm 25 years old and $165,000 in debt," "I'm 64 with no retirement and I owe the IRS $70k," "Why do houses go up in value while cars go down?" Next Steps: ? Help us make the show better by taking 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 your copy of Build a Business You Love today ???? Start your free budget today. Download the EveryDollar app! ????? Dave Ramsey and John Delony are going on tour this month! Get tickets today ???? File your taxes with 100% accurate software that’s 20% of the price 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! ???? Save 15% on your first Field of Greens order with code RAMSEY ? Find top Health Insurance Plans at Health Trust Financial ???? To find out more about student loan refinancing, check out Laurel Road ???? Visit NetSuite today to learn more ????? Use promo code RAMSEY for 18% off at The Nokbox ???? Get your tickets for The Chosen Season 5! ???? Learn more about Timothy Plan ???? 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 Learn more about your ad choices. Visit megaphone.fm/adchoices