Don’t Let Shame Keep You Stuck | October 22, 2026

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 George Kamel and Rachel Cruze answer your questions and discuss: “My sister-in-law is gifting us $73,000 to pay off my wife's student loans. Should we wait to see if her student loans get forgiven first?” “My financial advisor wants me to take out a loan for my living expenses instead of drawing on my investments. Is he right?” “My job is making me go into debt every month after my sales income dried up. What should I do?” “I have $60,000 of credit card debt. How do I pay this off?” “My aunt offered to pay off my car debt. Should I accept?” From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 ⁠⁠⁠New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/3mo2df 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People - https://ramsey.solutions/rax0bq1s 💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses. - https://ramsey.solutions/tpnkz8mu Connect with our Sponsors: Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. → https://www.chministries.org/budget Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org → http://ChurchillMortgage.com/RamseyOffer Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe. → https://www.joindeleteme.com/Ramsey Go to FAIRWINDS Credit Union for an exclusive account bundle. → https://www.fairwinds.org/ramsey Debt collectors hassling you? Take back control of your life at Guardian Litigation Group → https://www.GuardianLit.com/Ramsey Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today. → https://www.HealthTrustFinancial.com Visit Helix Sleep for special offers! → https://www.helixsleep.com/Ramsey Use code RAMSEY to save 20% at Mama Bear Legal Forms. → https://www.MamaBearLegalForms.com Visit NetSuite today to learn more. → https://www.netsuite.com/Ramsey Sign up for your free trial at Shopify. → https://www.Shopify.com/Ramsey Make navigating healthcare easier. Go to Solace Health to see if you qualify. → https://solacehealth.com/ramsey Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. → https://www.zander.com/ Try ZipRecruiter for free today → https://www.ZipRecruiter.com/Ramsey Explore more from Ramsey Network: 💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h 🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g 🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa 💰 George Kamel ⮕ https://ter.li/2ma765 📈 EntreLeadership ⮕ https://ter.li/proqeb Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/compa... Products: Breaking Free From Broke: https://ter.li/erxgtw Baby Steps Millionaires: https://ter.li/lc5vki Build a Business You Love: https://ter.li/gqi49q Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn Total Money Makeover: https://ter.li/0rvomx I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p Smart Money Smart Kids: https://ter.li/jyghza EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6 Questions for Humans: Intimacy https://ter.li/jcaqu4 Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5