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Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Connect with our Sponsors: 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
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 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2s</video:description>
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      <video:title>We Just Moved In And Are Already Behind On Rent!</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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    <loc>https://vidert.com/v/personal-finance/video/19949/i-haven-t-been-paid-in-20-weeks</loc>
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      <video:title>I Haven&apos;t Been Paid In 20 Weeks</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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      <video:title>His Wife Doesn&apos;t Want to Share Her Salary with Him</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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💰 George Kamel ⮕ https://ter.li/dc2gee 
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Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
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🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https:/</video:description>
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► My Stock Portfolio + Tracker https://www.funvest.com
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DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

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      <video:title>I&apos;m 64, $230,000 In Debt, And Want To Retire Next Year</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
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 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/0JMys4Q5vvI</video:player_loc>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Connect with our Sponsors: 
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
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 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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    <loc>https://vidert.com/v/personal-finance/video/19429/i-m-going-to-prison-for-3-years-because-of-my-husband-s-fraudulent-actions</loc>
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      <video:title>I&apos;m Going To Prison For 3 Years Because Of My Husband&apos;s Fraudulent Actions</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
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Next Steps:
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Connect with our Sponsors: 
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 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>507</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/19247/i-caught-my-boyfriend-lying-about-his-financial-situation</loc>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm 
Money’s Not a Math Problem Quick Read: https://ter.li/2s</video:description>
      <video:player_loc>https://www.youtube.com/embed/YzPqpDjkgCc</video:player_loc>
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      <video:uploader>The Ramsey Show Highlights</video:uploader>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/9Q0gmqAImHs</video:player_loc>
      <video:publication_date>2026-03-30T13:01:28.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>488</video:duration>
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    <loc>https://vidert.com/v/personal-finance/video/19108/the-biggest-mistakes-people-make-with-bitcoin-wallets</loc>
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      <video:title>The Biggest Mistakes People Make With Bitcoin Wallets</video:title>
      <video:description>Watch The Biggest Mistakes People Make With Bitcoin Wallets on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/PN5b8nTjYws</video:player_loc>
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      <video:title>They Should DEFINITELY Not Combine Finances</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/L9-lWXZcGBY</video:player_loc>
      <video:publication_date>2026-03-29T19:00:20.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>73</video:duration>
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    <loc>https://vidert.com/v/personal-finance/video/19096/the-solar-panels-i-installed-destroyed-my-roof</loc>
    <lastmod>2026-03-29T17:00:34.000Z</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/YC5xK7v7Mrw/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Solar Panels I Installed Destroyed My Roof!</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/YC5xK7v7Mrw</video:player_loc>
      <video:publication_date>2026-03-29T17:00:34.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>414</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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  <url>
    <loc>https://vidert.com/v/personal-finance/video/19039/i-told-my-boyfriend-i-don-t-want-a-ring-i-want-a-house-instead</loc>
    <lastmod>2026-03-29T13:01:31.000Z</lastmod>
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      <video:title>I Told My Boyfriend I Don&apos;t Want a Ring, I Want a House Instead!</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Connect with our Sponsors: 
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/NzbsPqNoLHo</video:player_loc>
      <video:publication_date>2026-03-29T13:01:31.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>555</video:duration>
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  <url>
    <loc>https://vidert.com/v/personal-finance/video/18916/he-messed-up-bad-now-his-wife-doesn-t-trust-him</loc>
    <lastmod>2026-03-28T17:00:43.000Z</lastmod>
    <changefreq>weekly</changefreq>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/gdDr5y5D8fI/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>He Messed Up Bad, Now His Wife Doesn&apos;t Trust Him</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/gdDr5y5D8fI</video:player_loc>
      <video:publication_date>2026-03-28T17:00:43.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>513</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18899/her-fianc-broke-off-their-engagement-because-of-her-money-habits</loc>
    <lastmod>2026-03-28T15:00:30.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/DWktvH3XPS4/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>Her Fiancé Broke Off Their Engagement Because Of Her Money Habits</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2s</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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    <loc>https://vidert.com/v/personal-finance/video/18701/this-is-the-reason-you-haven-t-gotten-out-of-debt</loc>
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      <video:title>This Is The Reason You Haven&apos;t Gotten Out Of Debt</video:title>
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 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/9r5O-PTqL0Y</video:player_loc>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv 
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm  
Money’s Not a Math Problem Quick Read: https://ter.li/</video:description>
      <video:player_loc>https://www.youtube.com/embed/Wjl8_D7r-jY</video:player_loc>
      <video:publication_date>2026-03-27T15:00:42.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>71</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18638/my-car-payment-is-standing-between-me-and-my-life</loc>
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      <video:title>My Car Payment Is Standing Between Me And My Life</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/NmrZA9zHgRI</video:player_loc>
      <video:publication_date>2026-03-27T13:00:30.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>594</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18476/where-is-america-s-gold</loc>
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      <video:title>Where Is America’s Gold?</video:title>
      <video:description>Watch Where Is America’s Gold? on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/5Kz6vx19oz0</video:player_loc>
      <video:publication_date>2026-03-26T19:00:04.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>101</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18475/he-s-stashed-over-300-000-cash-at-his-house</loc>
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      <video:title>He&apos;s Stashed Over $300,000 Cash at His House</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
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Connect with our Sponsors: 
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm 
Money’s Not a Math Problem Quick Read: https://ter.li/2s</video:description>
      <video:player_loc>https://www.youtube.com/embed/_vN3di_YQCM</video:player_loc>
      <video:publication_date>2026-03-26T19:00:37.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>78</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18447/separate-our-finances-to-stop-the-money-fights</loc>
    <lastmod>2026-03-26T17:00:18.000Z</lastmod>
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      <video:title>Separate Our Finances To Stop The Money Fights?</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/7bLHSx-b67M</video:player_loc>
      <video:publication_date>2026-03-26T17:00:18.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>529</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/18384/he-s-tired-of-his-girlfriend-mooching-off-him</loc>
    <lastmod>2026-03-26T15:00:16.000Z</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/BIV4YXdi9N0/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>He&apos;s Tired of His Girlfriend Mooching Off Him</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:description>To try out Rocket Money today and unlock more features with premium, head to: https://rocketmoney.com/graham  - Enjoy! Let&apos;s talk about the 2026 housing market, which areas are falling the most, and how mortgage rates affect affordability - Enjoy! Add me on Instagram: GPStephan

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HOUSING MARKET IS WEAKENING
The housing market is showing signs of slowdown, with 47 of the top 50 cities weakening and listing prices now below 2024 levels. Sellers outnumber buyers by over 600,000, homes are taking the longest time to sell in more than a decade, and searches like “can’t sell house” are hitting record highs. Rising mortgage rates are further reducing demand, creating a growing imbalance across the market.

LOCAL MARKETS ARE SPLITTING APART
Not all areas are declining equally. Cities like Miami, Austin, and Nashville have far more sellers than buyers, pushing prices down. Meanwhile, more affordable regions like Milwaukee and Newark still have strong demand and rising prices. Affordability relative to income is now the key driver of price performance.

OIL PRICES ARE DRIVING HOUSING COSTS
Oil prices are indirectly impacting housing by raising inflation expectations. Higher inflation pushes bond yields up, which increases mortgage rates. As rates rise, affordability drops significantly, reducing buyer demand and forcing price adjustments.

CONSTRUCTION COSTS ARE SURGING
Rising oil prices also increase construction costs, since materials and transportation rely heavily on energy. Materials like aluminum and steel have surged in price, and builders pass these costs onto buyers. This creates upward pressure on home prices even as demand weakens.

THE MARKET IS FREEZING, NOT CRASHING
Instead of prices immediately falling, housing markets tend to freeze. Sellers hold onto properties, transac</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/FAxEMroWvMw</video:player_loc>
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      <video:title>&quot;We Haven&apos;t Filed Taxes Since 2020&quot;</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/I7ET0KjgpiE</video:player_loc>
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      <video:description>Watch The Leverage Problem No One is Talking About on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/M_DCk4dX2YU</video:player_loc>
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      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
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    <loc>https://vidert.com/v/personal-finance/video/17942/he-wants-to-dump-his-girlfriend-but-they-own-a-house-together</loc>
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      <video:title>He Wants To Dump His Girlfriend But They Own a House Together</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm 
Money’s Not a Math Problem Quick Read: https://ter.li/2s</video:description>
      <video:player_loc>https://www.youtube.com/embed/ZEK4jzdZFBk</video:player_loc>
      <video:publication_date>2026-03-24T19:00:37.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>86</video:duration>
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      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17886/this-is-a-good-way-to-become-poor</loc>
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      <video:title>&quot;This Is A Good Way To Become Poor&quot;</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
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🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/qIFW_TKk7bU</video:player_loc>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/noOOTbyBLh4</video:player_loc>
      <video:publication_date>2026-03-23T13:01:23.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>506</video:duration>
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      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17478/tax-tips-for-2026</loc>
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      <video:title>Tax Tips for 2026</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Connect with our Sponsors: 
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 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6 
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://t</video:description>
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      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>85</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17463/my-mom-cosigned-a-car-for-my-brother-and-now-he-can-t-afford-it</loc>
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      <video:title>My Mom Cosigned A Car For My Brother And Now He Can&apos;t Afford It</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/8WsK6D9g_3s</video:player_loc>
      <video:publication_date>2026-03-22T17:00:18.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>546</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17433/my-dad-borrows-money-from-me-and-has-0-saved-for-retirement</loc>
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      <video:title>My Dad Borrows Money From Me And Has 0 Saved For Retirement</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/P7NbQTnbDdo</video:player_loc>
      <video:publication_date>2026-03-22T13:00:47.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>577</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17324/move-in-with-my-mom-so-she-can-leave-her-boyfriend</loc>
    <lastmod>2026-03-21T17:00:12.000Z</lastmod>
    <changefreq>weekly</changefreq>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/AcerRj3jz5I/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>Move In With My Mom So She Can Leave Her Boyfriend?</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ter.li/knf775
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Get 10% off your first month of BetterHelp. ⮕ https://www.betterhelp.com/RamseyRadio 
 - Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey 
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/jeJAECw-Vpg</video:player_loc>
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Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6 
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://t</video:description>
      <video:player_loc>https://www.youtube.com/embed/ahtOeYMj0mg</video:player_loc>
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  <url>
    <loc>https://vidert.com/v/personal-finance/video/17170/my-mom-destroyed-my-rental-property</loc>
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      <video:title>My Mom Destroyed My Rental Property</video:title>
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 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/B4NfQRFRnww</video:player_loc>
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      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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    <loc>https://vidert.com/v/personal-finance/video/17148/why-the-fed-can-t-fix-both-inflation-and-jobs</loc>
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      <video:title>Why the Fed Can’t Fix Both Inflation and Jobs</video:title>
      <video:description>Watch Why the Fed Can’t Fix Both Inflation and Jobs on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/tQ43mZRICN8</video:player_loc>
      <video:publication_date>2026-03-20T16:01:33.000Z</video:publication_date>
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      <video:family_friendly>yes</video:family_friendly>
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  <url>
    <loc>https://vidert.com/v/personal-finance/video/17147/his-20-year-old-daughter-broke-the-rules</loc>
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      <video:title>His 20-Year-Old Daughter Broke The Rules</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm 
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://t</video:description>
      <video:player_loc>https://www.youtube.com/embed/6GIbuw9gj3Q</video:player_loc>
      <video:publication_date>2026-03-20T15:00:23.000Z</video:publication_date>
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      <video:duration>90</video:duration>
      <video:family_friendly>yes</video:family_friendly>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/17118/i-m-inheriting-3-5-million-and-a-giant-salmon</loc>
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      <video:title>I&apos;m Inheriting $3.5 Million (And A Giant Salmon)</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off  ⮕ https://www.cbac.com/ramsey 
 - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget 
 - Get started today with Churchill Mortgage. ⮕ https://www.churchillmortgage.com/ 
 - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy. ⮕ https://www.Yrefy.com/Ramsey 
 - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
      <video:player_loc>https://www.youtube.com/embed/WFuU-DqQEwg</video:player_loc>
      <video:publication_date>2026-03-20T13:01:04.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>609</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
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      <video:title>Oil Predicts Recessions</video:title>
      <video:description>Watch Oil Predicts Recessions on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/4xsG3773MA8</video:player_loc>
      <video:publication_date>2026-03-19T19:00:07.000Z</video:publication_date>
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      <video:duration>82</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
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      <video:title>&quot;Help Me Kick My Daughter Our of the House&quot;</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6 
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://t</video:description>
      <video:player_loc>https://www.youtube.com/embed/MqYa3tLspwI</video:player_loc>
      <video:publication_date>2026-03-19T19:00:19.000Z</video:publication_date>
      <video:uploader>The Ramsey Show Highlights</video:uploader>
      <video:duration>65</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/16993/i-m-illegally-living-in-my-work-building</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/ncSpCXrcONg/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>I&apos;m Illegally Living In My Work Building</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Questions for Humans: Intimacy https://te</video:description>
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:description>Sign up for the Gemini Credit Card: https://Gemini.com/graham - Enjoy! Let&apos;s talk about The Federal Reserve Rate Meeting, The Economy, and what this means for housing and stock market prices - Thanks for watching! Add me on Instagram: GPStephan

START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com

OIL IS DRIVING EVERYTHING
Rising oil prices are the root cause of the current market stress. Since oil impacts transportation, manufacturing, food production, and logistics, a spike increases costs across the entire economy. A 10% rise in oil can quickly push inflation higher, which then gets passed directly to consumers through higher prices.

THE FED IS STUCK
The Federal Reserve faces a difficult situation. The economy is slowing and would benefit from lower rates, but rising inflation from oil prevents that. This creates a potential stagflation scenario, where growth weakens while prices rise, limiting the Fed’s ability to respond.

WHY THE MARKET IS FALLING
The selloff is being driven by a mix of rising oil, inflation fears, geopolitical tension, and uncertainty. However, markets are already slightly off highs, and historically, pullbacks like this are common and happen multiple times per year.

HISTORICALLY, PANIC DOESN’T LAST
Data shows that geopolitical shocks tend to cause short-term declines, but markets usually recover within months. On average, losses are modest initially, followed by gains over the next six months as uncertainty fades.

BITCOIN SHOWING STRENGTH
Despite prior declines, Bitcoin has recently outperformed stocks and gold. Long-term holders are selling less, and negative sentiment indicators suggest a potential bottom, signaling increasing stability and renewed demand.

HOUSING IS BALANCING OUT
Housing affordability remains poor, but rising inventory and slowing demand are stabilizing prices. Growth is expected to be flat, with some areas seeing price cuts and longer listing times. Buyers now have more negotiating power, though high mortgage rates still limit afforda</video:description>
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      <video:title>Build a House for My Kids Since They Can&apos;t Afford One?</video:title>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:title>She Got a Promotion, But Didn&apos;t Get a Raise</video:title>
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
      <video:player_loc>https://www.youtube.com/embed/Cqn_ePkzIwk</video:player_loc>
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      <video:duration>60</video:duration>
      <video:family_friendly>yes</video:family_friendly>
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      <video:title>My Parents Want Me To Pay Off Their House Because I Have a Good Job</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6 
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://t</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:title>Would Dave Ramsey Buy Property In NYC Under The Current Mayor?</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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Next Steps:
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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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      <video:title>&quot;He&apos;s Been Lying About Finances For Years&quot;</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
      <video:player_loc>https://www.youtube.com/embed/5bT9DJWmCsA</video:player_loc>
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      <video:title>My Husband&apos;s Gambling Is Affecting Our Retirement</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
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Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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      <video:title>Pay Down The House Or Buy Crypto?</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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      <video:title>I&apos;m Inheriting A Family Business That&apos;s $5 Million In Debt</video:title>
      <video:description>💵 This is the number that tracks your progress—not your paycheck.
Calculate your net worth now: ⮕ https://ramsey.solutions/o9lpwf
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
      <video:player_loc>https://www.youtube.com/embed/eFcj1rHOtRg</video:player_loc>
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      <video:title>Her Husband Hid a 3-Year Prison Romance</video:title>
      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke 
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/DLiJDkQciRs/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Stock Market Crash Has Begun - Do THIS ASAP!</video:title>
      <video:description>Go to https://surfshark.com/graham or use code GRAHAM at checkout to get 4 extra months of Surfshark VPN! | Let&apos;s talk about the market selloff and what this means for your money - Enjoy! Add me on Instagram: GPStephan

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PREVIOUS MARKET DROPS: 

Year 1907: -50% Drop
This was a time when the stock market dropped 50% after the 1906 San Fransisco Earthquake, when heavy insurance payouts caused people to withdraw their gold from the banks. Afterwards, the market surged 193% in the next 4 years. 

Year 1929: -83% Drop
Back then, the issue was that banks were lending out money so loosely, that nearly anyone could go and borrow money to invest with, with the expectation that - everything just keeps going up. However, once the stock market showed even the slightest glimpse of vulnerability, people began selling and pulling their money out from banks for fear that they would go out of business. That led to the stock market dropping 83% over 2.8 years, with a nearly 25% unemployment rate. In fact, the market didn’t fully recover for nearly 20 years - at which point, the economy enjoyed almost 14 years of consistent economic growth, averaging a gain of over 815% during that timeframe.

Year 1945: -22% Drop In 6 Months
This occurred as Veterans re-entered the work force and began competing for a limited supply of jobs - afterwards, we saw a 15 year long increase in the stock market, with prices rising over 935%.

Year 1974: -42% Drop
This occurred when President Nixon removed us from The Gold Standard, which linked the value of our dollar to the value of gold. However, this led to runaway inflation, the Federal Reserve raised rates to prevent prices from skyrocketing out of control, and that inadvertently caused prices of nearly everything to drop. But like clockwork - the markets continued climbi</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Questions for Humans: Intimacy https://te</video:description>
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Questions for Humans: Intimacy https://te</video:description>
      <video:player_loc>https://www.youtube.com/embed/KE5rFQtTmWg</video:player_loc>
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Explore more from Ramsey Network:
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 This is the number that tracks your progress—not your paycheck.
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
      <video:player_loc>https://www.youtube.com/embed/nPqmH213IBU</video:player_loc>
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      <video:title>My Fiancé Won&apos;t Give Me Access To Any Of Our Money</video:title>
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://te</video:description>
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6 
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

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Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2so</video:description>
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      <video:description>Watch Why Bitcoin Keeps Dropping on Vidert</video:description>
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DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any informati</video:description>
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      <video:title>Iran’s Grip on Global Oil Supply</video:title>
      <video:description>Watch Iran’s Grip on Global Oil Supply on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/ssF911O-CB4</video:player_loc>
      <video:publication_date>2026-03-01T17:01:15.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>124</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2611/who-really-controls-america-s-tariffs</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/jfsaJ9gchnM/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>Who Really Controls America’s Tariffs</video:title>
      <video:description>Watch Who Really Controls America’s Tariffs on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/jfsaJ9gchnM</video:player_loc>
      <video:publication_date>2026-02-28T17:01:09.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>69</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2612/how-wall-street-took-over-bitcoin</loc>
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    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/JJwwVcdHlV0/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>How Wall Street Took Over Bitcoin</video:title>
      <video:description>How Wall Street Took Over Bitcoin
► My Stock Portfolio + Tracker https://www.funvest.com
► How To Protect Your Bitcoin, use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Open A Roth IRA: 
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0

My PO Box: 
Andrei Jikh
4132 S. Rainbow Blvd # 270
Las Vegas, NV 89103

DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

Past performance is not indicative of future results. This Youtube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on this Youtube channel. Strategies or investments discussed may fluctuate in price or value. Investors may get back less than invested. Inv</video:description>
      <video:player_loc>https://www.youtube.com/embed/JJwwVcdHlV0</video:player_loc>
      <video:publication_date>2026-02-27T16:59:53.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1136</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2613/how-wall-street-can-manipulate-bitcoin</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/w6LZUaCo50w/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>How Wall Street Can Manipulate Bitcoin</video:title>
      <video:description>Watch How Wall Street Can Manipulate Bitcoin on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/w6LZUaCo50w</video:player_loc>
      <video:publication_date>2026-02-26T17:01:35.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>78</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2614/the-dollar-is-trapping-america</loc>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/0mVb2wIAS3M/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Dollar Is Trapping America</video:title>
      <video:description>Watch The Dollar Is Trapping America on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/0mVb2wIAS3M</video:player_loc>
      <video:publication_date>2026-02-25T21:05:00.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>96</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2615/america-s-paper-economy-is-breaking-short-explanation</loc>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/-QZhgRXc9LE/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>America’s Paper Economy Is Breaking (short explanation)</video:title>
      <video:description>Watch America’s Paper Economy Is Breaking (short explanation) on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/-QZhgRXc9LE</video:player_loc>
      <video:publication_date>2026-02-24T20:00:00.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>61</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2616/america-s-paper-economy-is-breaking</loc>
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    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/b55VFtY_9n0/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>America’s Paper Economy Is Breaking</video:title>
      <video:description>Crony Capitalism Is The Last Phase Of An Empire
► SoFi is giving away 100k in Bitcoin each week through 3/31/26! Open an account today to claim your share: http://sofi.com/andrei
► My Stock Portfolio + Tracker https://www.funvest.com
► How To Protect Your Bitcoin (step by step), use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0

My PO Box: 
Andrei Jikh
4132 S. Rainbow Blvd # 270
Las Vegas, NV 89103

DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

Past performance is not indicative of future results. This Youtube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed </video:description>
      <video:player_loc>https://www.youtube.com/embed/b55VFtY_9n0</video:player_loc>
      <video:publication_date>2026-02-24T01:39:07.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1236</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2617/central-banks-are-buying-gold</loc>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/VhWOx1NHSUw/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>Central Banks Are Buying Gold</video:title>
      <video:description>Watch Central Banks Are Buying Gold on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/VhWOx1NHSUw</video:player_loc>
      <video:publication_date>2026-02-19T17:00:54.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>64</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2618/the-global-wealth-rotation-just-started</loc>
    <lastmod>2026-02-18T17:00:49.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/xzOrdW_vF6g/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Global Wealth Rotation Just Started</video:title>
      <video:description>The Battle For The New Monetary Order
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► My Stock Portfolio + Tracker https://www.funvest.com
► How To Protect Your Bitcoin (step by step), use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Open A Roth IRA: 
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0

Natalie Brunell x NorthStar video: https://x.com/natbrunell/status/2021227454719840636
IntoTheCryptoverse Charts (affiliate link): https://intothecryptoverse.com/ref/majikh/

DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

Past performance is not indicative of future results. This Youtube channel does not guarantee any s</video:description>
      <video:player_loc>https://www.youtube.com/embed/xzOrdW_vF6g</video:player_loc>
      <video:publication_date>2026-02-18T17:00:49.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1507</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2619/the-next-phase-of-the-new-world-order-has-begun</loc>
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    <changefreq>weekly</changefreq>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/RJMwcV1owtg/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Next Phase of the New World Order Has Begun</video:title>
      <video:description>China Is Selling America (Markets Are Unstable)
► Get 20% off DeleteMe US consumer plans when you go to http://joindeleteme.com/Andrei20 and use promo code ANDREI20 at checkout
► My Stock Portfolio + Tracker https://www.funvest.com
► How To Protect Your Bitcoin (step by step), use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Open A Roth IRA: 
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0

My PO Box: 
Andrei Jikh
4132 S. Rainbow Blvd # 270
Las Vegas, NV 89103

DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

Past performance is not indicative of future results. This Youtube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or inv</video:description>
      <video:player_loc>https://www.youtube.com/embed/RJMwcV1owtg</video:player_loc>
      <video:publication_date>2026-02-10T01:00:42.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1747</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2620/tokenization-changes-who-controls-everything</loc>
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    <changefreq>weekly</changefreq>
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      <video:title>Tokenization Changes Who Controls Everything</video:title>
      <video:description>Watch Tokenization Changes Who Controls Everything on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/2bCOZ8uzokw</video:player_loc>
      <video:publication_date>2026-02-08T20:00:04.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>64</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2621/this-is-the-cost-of-a-strong-dollar</loc>
    <lastmod>2026-02-07T20:00:03.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/abuhRPpTbq0/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>This Is the Cost of a Strong Dollar</video:title>
      <video:description>Watch This Is the Cost of a Strong Dollar on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/abuhRPpTbq0</video:player_loc>
      <video:publication_date>2026-02-07T20:00:03.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>64</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2622/the-dollar-is-stealing-your-time</loc>
    <lastmod>2026-02-04T20:00:41.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/lwUpVfVqXn8/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Dollar Is Stealing Your Time</video:title>
      <video:description>Watch The Dollar Is Stealing Your Time on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/lwUpVfVqXn8</video:player_loc>
      <video:publication_date>2026-02-04T20:00:41.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>82</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2623/the-next-world-reserve-currency</loc>
    <lastmod>2026-02-02T17:35:20.000Z</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/8qX9qPA9vs4/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Next World Reserve Currency</video:title>
      <video:description>The End Of The US Monetary Order
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► My Stock Portfolio + Tracker https://www.funvest.com
► How To Protect Your Bitcoin (step by step), use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Open A Roth IRA: 
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0

► Check out Simon Dixon’s channel for a deeper dive on what’s happening: https://www.youtube.com/@UC_wNYJCyycXXPmWni2JNZhQ 

My PO Box: 
Andrei Jikh
4132 S. Rainbow Blvd # 270
Las Vegas, NV 89103

DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon informa</video:description>
      <video:player_loc>https://www.youtube.com/embed/8qX9qPA9vs4</video:player_loc>
      <video:publication_date>2026-02-02T17:35:20.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1505</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2624/the-start-of-a-new-world-order</loc>
    <lastmod>2026-01-27T20:30:01.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/6MjGC48eNJ8/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Start Of A New World Order</video:title>
      <video:description>Watch The Start Of A New World Order on Vidert</video:description>
      <video:player_loc>https://www.youtube.com/embed/6MjGC48eNJ8</video:player_loc>
      <video:publication_date>2026-01-27T20:30:01.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>64</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2625/the-start-of-a-new-world-order</loc>
    <lastmod>2026-01-27T00:15:25.000Z</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/tbN-AhFoN6M/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The Start Of A New World Order</video:title>
      <video:description>Globalization Has Failed (World Economic Forum)
► My Stock Portfolio + Tracker https://www.brrrr.ai
► How To Protect Your Bitcoin (step by step), use Code &quot;ANDREI40&quot; to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh
► Open A Roth IRA: 
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Check out Simon Dixon’s channel for a deeper dive on what’s happening: https://www.youtube.com/@SimonDixon21


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Andrei Jikh
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DISCLOSURE: None of this is meant to be construed as investment advice, it&apos;s for entertainment purposes only. Links above include affiliate commission or referrals. I&apos;m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.

You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed. 

Past performance is not indicative of future results. This Youtube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on </video:description>
      <video:player_loc>https://www.youtube.com/embed/tbN-AhFoN6M</video:player_loc>
      <video:publication_date>2026-01-27T00:15:25.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1467</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2626/you-have-5-years-left-to-get-rich</loc>
    <lastmod>2026-01-21T20:02:37.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/bqXvzJclaAg/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>You Have 5 Years Left To Get Rich</video:title>
      <video:description>You Have 5 Years Left To Get Rich
► Apply for the Gemini Credit Card: http://gemini.com/andrei
#GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini.

The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates &amp; Fees: gemini.com/legal/cardholder-agreement.
Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement.
Analysis reflects Gemini Credit Card holders who earned bitcoin rewards between 10/08/2021 and 10/05/2024 and held all such rewards in their Gemini account through 10/05/2025. Calculation is based on bitcoin market value changes during the holding period. Individual results will vary depending on spend behavior, chosen rewards currency, holding duration, and market performance. Past performance is not indicative of future results. This information is for general informational purposes only and does not constitute investment advice.

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My PO Box: 
Andrei Jikh
4132 S. Rainbow Blvd # 270
Las Vegas</video:description>
      <video:player_loc>https://www.youtube.com/embed/bqXvzJclaAg</video:player_loc>
      <video:publication_date>2026-01-21T20:02:37.000Z</video:publication_date>
      <video:uploader>Andrei Jikh</video:uploader>
      <video:duration>1269</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2598/breaking-oil-production-just-shut-down-what-it-means-for-your-money</loc>
    <lastmod>2026-03-02T17:45:03.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/uRqgfJkbAao/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>BREAKING: OIL PRODUCTION JUST SHUT DOWN - What It Means For Your Money!</video:title>
      <video:description>Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Let&apos;s discuss the ongoing conflict, and what this means for oil prices, the stock market, and mortgage prices - Add me on Instagram: GPStephan

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U.S.–Iran Tensions Escalate
Over the past 48 hours, coordinated strikes by the United States and Israel targeted Iranian nuclear infrastructure, command facilities, and naval assets. Iran responded with retaliatory actions affecting regional military positions and nearby alliances. With tensions expected to continue for weeks, the next few days will determine whether the situation stabilizes or intensifies, with major implications for the global economy.

Why Markets Are Reacting
Investors are growing nervous because escalating tensions in a major energy region can ripple through oil, shipping, and trade. When supply routes are threatened, energy costs rise, transportation becomes more expensive, and inflation pressures increase. These cascading effects can influence everything from grocery prices to manufacturing costs, making this more than a regional issue.

The Strait of Hormuz: A Critical Chokepoint
At the center of concern is the Strait of Hormuz, a narrow waterway linking the Persian Gulf to global markets. Roughly one-fifth of the world’s oil and one-third of liquefied natural gas pass through this route daily. Iran has the geographic ability to disrupt traffic through the strait, and recent threats have raised fears of restricted passage. Even partial disruption could significantly impact global energy supply and pricing.

Why Energy Flow Matters Worldwide
Although much of the oil passing through the strait heads to Asia, keeping it moving helps stabilize global supply and pricin</video:description>
      <video:player_loc>https://www.youtube.com/embed/uRqgfJkbAao</video:player_loc>
      <video:publication_date>2026-03-02T17:45:03.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>865</video:duration>
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  </url>
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    <loc>https://vidert.com/v/personal-finance/video/2599/the-ai-collapse-is-much-worse-than-you-think</loc>
    <lastmod>2026-02-27T21:01:00.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/jhDfq9sj-u8/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>The AI Collapse Is MUCH Worse Than You Think</video:title>
      <video:description>Sign up for the Gemini Credit Card: https://Gemini.com/graham | Let&apos;s talk about the AI crisis, the 2026 economy, and how you could use this information to build wealth - Enojy! Add me on Instagram: GPStephan

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AI Masterclass - https://x.com/thetripathi58/status/2022700224448459155

AI Crash Warning: The 2028 Intelligence Crisis
A controversial research scenario warns that AI could trigger a major economic downturn. The theory predicts markets peaking around 2026 before a severe decline, rising unemployment, collapsing consumer spending, and mortgage stress. 

The Intelligence Displacement Spiral
As AI replaces white-collar roles, displaced workers lose income and cut spending. Businesses then invest more in automation to reduce costs, causing further layoffs and weaker demand. Unlike past recessions, this cycle could reinforce itself because the technology driving it keeps improving and getting cheaper.

Phase 1: Software Collapse
AI coding tools may allow companies to build internal software instead of paying large SaaS fees. Pricing pressure and cancellations could hurt platforms and trigger layoffs as firms cut costs and automate operations.

Phase 2: Zero-Friction Economy
AI agents could handle shopping, insurance, taxes, travel, and financial decisions. Fees and commissions shrink, payment rails shift to low-cost settlement, and traditional intermediaries face revenue pressure.

Phase 3: Wage Compression &amp; Service Flood
High-income professionals forced into lower-pay work increase labor supply in service sectors, pushing wages down. Since top earners drive a large share of spending, income losses ripple through the economy.

Phase 4: Private Credit Stress
Software and tech debt funded during growth years could deteriorate as AI disrupts business models. Some financing structures involve retirement and insurance assets, potentially exposing ev</video:description>
      <video:player_loc>https://www.youtube.com/embed/jhDfq9sj-u8</video:player_loc>
      <video:publication_date>2026-02-27T21:01:00.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>925</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2600/i-just-turned-12-into-200-000-wtf-is-happening-to-investing</loc>
    <lastmod>2026-02-23T21:01:14.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/AMAQHn555fM/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>&quot;I Just Turned $12 Into $200,000!&quot; – WTF Is Happening To Investing?!</video:title>
      <video:description>Go to https://surfshark.com/graham or use code GRAHAM at checkout to get 4 extra months of Surfshark VPN! Let&apos;s discuss the Polymarket and Kalshi Prediction Markets, and why so many investors lose money - Enjoy! Add me on Instagram: GPStephan

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WHY RISKY BETS FEEL RATIONAL
Younger generations are increasingly abandoning traditional saving and investing because the math feels hopeless. Wages trail inflation, housing feels unattainable, and compounding looks too slow to change their trajectory. When the future appears out of reach, high-upside bets stop looking reckless and start feeling like the only path forward.

FROM INVESTING TO “BETTING” CULTURE
Instead of building portfolios, more people are chasing moonshots. Stories of traders turning tiny amounts into life-changing sums and claims of hidden strategies fuel the belief that a small edge can beat the system. The result is a shift from long-term investing to outcome-based speculation.

THE PREDICTION MARKET LOOPHOLE
Prediction markets operate legally as event-based futures contracts rather than gambling. Participants trade on outcomes such as elections, entertainment results, or economic events. Because there’s no house edge and prices move with sentiment, they are framed as hedging tools rather than bets.

HEDGING VS SPECULATION
In theory, these markets allow individuals or businesses to offset risk. In practice, most users aren’t hedging income or portfolios. They’re speculating on outcomes, attracted by leverage and the ability to cash out early.

WHY THEY FEEL FAIRER THAN STOCKS
Retail traders often feel disadvantaged in traditional markets dominated by institutions and algorithms. Prediction markets seem simpler and more transparent. People can bet on outcomes they understand rather than analyze financial statements they were never taught to read.

MONEY IS SHIFTING FROM SAVINGS TO BETTING
As savi</video:description>
      <video:player_loc>https://www.youtube.com/embed/AMAQHn555fM</video:player_loc>
      <video:publication_date>2026-02-23T21:01:14.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>1031</video:duration>
      <video:family_friendly>yes</video:family_friendly>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2601/america-s-38-trillion-financial-reset-has-begun-do-this-now-ray-dalio-s-final-wa</loc>
    <lastmod>2026-02-18T17:00:09.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/6M0j314e4gY/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>“America’s $38 Trillion Financial Reset Has Begun - Do This Now!” Ray Dalio’s Final Warning</video:title>
      <video:description>Sign up for the Gemini Credit Card: https://Gemini.com/graham | Let&apos;s discuss the Broken World Order, The Ray Dalio Warning, and what this means for your personal finances - Enjoy! Add me on Instagram: GPStephan

Ray Dalio&apos;s Full Article Here: https://x.com/RayDalio/status/2022788750388998543

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THE WORLD ORDER WARNING
Ray Dalio argues the global system isn’t approaching change, it’s already undergoing it. His long-standing thesis is that major empires follow predictable cycles. Since his 2022 warning, inflation surged, asset prices spiked, precious metals climbed, and geopolitical tensions intensified. Dalio now says the world order has “broken down,” signaling entry into the final debt cycle where consequences become harder to reverse. The key idea: massive economic shifts rarely hurt those who anticipate them. They hurt those who assume nothing is changing.

THE SIX-STAGE ECONOMIC CYCLE
Dalio outlines a repeatable sequence. A new order begins after crisis resets the system. Growth follows with rising prosperity and innovation. Peak power arrives as wealth and global influence expand, but debt and inequality build beneath the surface. Financial imbalances emerge as debt outpaces income and speculation replaces productivity. Conflict and disorder then rise internally and externally. Finally, a new world order forms through debt restructuring, currency devaluation, or power shifts. The cycle then repeats. Dalio believes the U.S. and global system are late in this progression.

THE FIVE TYPES OF GLOBAL CONFLICT
Before military intervention, competition escalates in subtler ways. Trade conflict use tariffs and supply chain restrictions. Technology conflict center on AI, semiconductors, and energy dominance. Capital conflict use sanctions and financial systems. 

THE DEBT CRISIS RISK
Historically, governments facing unsustainable debt inflate it away by printing money, weakening currency value and eroding purchasing power. Dalio warns d</video:description>
      <video:player_loc>https://www.youtube.com/embed/6M0j314e4gY</video:player_loc>
      <video:publication_date>2026-02-18T17:00:09.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>969</video:duration>
      <video:family_friendly>yes</video:family_friendly>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2602/it-s-begun-you-have-5-years-left-to-get-rich</loc>
    <lastmod>2026-02-09T21:01:07.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/zZmcCQFu98k/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>It’s Begun: You Have 5 Years Left To Get Rich</video:title>
      <video:description>Sign up for the Gemini Credit Card: https://Gemini.com/graham | Let&apos;s discuss The AI Reset, how to invest / build wealth in 2026, and why this might be your &apos;last chance&apos; to get rich - Enjoy! Add me on Instagram: GPStephan

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THE FIVE-YEAR WEALTH WINDOW
Most people think they’re running out of money but the bigger issue is that the window to build wealth is narrowing. Artificial intelligence is accelerating faster than any prior technology shift, and as it does, it’s concentrating economic upside into fewer hands

THE AI RESET
We’re entering an economy where human labor is losing relative value faster than expected. As AI systems approach the ability to perform most cognitive tasks cheaper, faster, and continuously, ownership rather than effort becomes the primary source of wealth. If you own productive assets, AI acts as leverage. 

WINNER-TAKES-MORE ECONOMICS
AI enables a small number of individuals or firms to produce the output of entire teams. That shifts returns toward top performers and capital owners, creating a more extreme K-shaped economy. 

WEALTH IS MOVING PRIVATE
By the time assets are widely accessible, much of the upside has already been captured. That makes broad participation harder and raises the cost of entry for everyday investors trying to build long-term wealth.

HOUSING AS A BARRIER, NOT A LADDER
Homeownership, once the backbone of middle-class wealth, is now at record-low affordability. High prices, higher rates, and constrained supply make it far harder to use housing as a stepping stone. 

THE AI EXPANSION GAP
The gap between people who use AI and those who don’t is widening rapidly. Even modest productivity gains compound into faster promotions, higher income, and greater investing capacity. Early adoption matters because once AI becomes standard, the advantage disappears.

THE GREAT DECOUPLING
Employers need fewer people to generate the same output, reducing bargaining power for labor while lowering barri</video:description>
      <video:player_loc>https://www.youtube.com/embed/zZmcCQFu98k</video:player_loc>
      <video:publication_date>2026-02-09T21:01:07.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>899</video:duration>
      <video:family_friendly>yes</video:family_friendly>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2603/i-just-lost-everything-wtf-happened-to-bitcoin</loc>
    <lastmod>2026-02-06T00:04:26.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/diE19xlDfqo/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>&quot;I Just Lost Everything&quot; - WTF Happened To Bitcoin?!</video:title>
      <video:description>Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Let&apos;s talk about Bitcoin, why the price is falling, and what this means for the future - Enjoy! Add me on Instagram: GPStephan

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BITCOIN REALITY CHECK
After being the best-performing asset of 2024 and the last decade, Bitcoin is now down roughly 45% from its all-time high. Liquidations are wiping out leveraged investors, sentiment has flipped fast, and even the largest holders are sitting on paper losses. 

THIS SELLOFF IS NOT RANDOM
The decline is being driven by a mix of macro and structural forces rather than retail panic. Investors are moving risk-off as valuations across markets remain stretched, interest rates stay higher for longer, and speculative assets lose appeal. Bitcoin, which benefited from optimism and liquidity, is now behaving like a leveraged risk asset rather than a defensive hedge.

A STRONGER DOLLAR IS A PROBLEM FOR BITCOIN
Bitcoin is often bought as protection against inflation and money printing. When the U.S. dollar strengthens, that narrative weakens. As the dollar gains purchasing power, demand for alternative stores of value drops, putting additional pressure on Bitcoin prices.

ETFs ARE ACCELERATING THE DOWNSIDE
Bitcoin ETFs amplify both rallies and crashes. When money flows in, ETFs buy Bitcoin and push prices higher. When investors exit, ETFs are forced to sell Bitcoin, pushing prices lower and triggering a feedback loop. This creates faster, more aggressive drawdowns than in prior cycles.

THE GOOD NEWS IS ALREADY PRICED IN
Much of the bullish narrative has already played out. ETF approvals, regulatory optimism, and expectations of easy money are no longer new catalysts. At the same time, regulatory uncertainty and political risk remain, limiting upside enthusiasm and reducing speculative demand.

CONFIDENCE IN BITCOIN’S ROLE IS FADING
Bitcoin has not reliably acted </video:description>
      <video:player_loc>https://www.youtube.com/embed/diE19xlDfqo</video:player_loc>
      <video:publication_date>2026-02-06T00:04:26.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>971</video:duration>
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    <loc>https://vidert.com/v/personal-finance/video/2604/it-started-trump-just-broke-the-federal-reserve-gold-silver-bitcoin-collapses</loc>
    <lastmod>2026-02-02T21:00:09.000Z</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/93x3SlywzIM/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>It Started: Trump Just ‘Broke’ The Federal Reserve – Gold, Silver, Bitcoin Collapses</video:title>
      <video:description>To try out Rocket Money today and unlock more features with premium, head to: https://rocketmoney.com/graham  - Let&apos;s discuss the new Federal Reserve Chair, what this means for the economy, and how this historically impacts the stock market - Enjoy! Add me on Instagram: GPStephan

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KEVIN WARSH’S TRACK RECORD
Warsh served as a Fed Governor from 2006–2011 during the Global Financial Crisis. At the time, he consistently warned that stimulus and low rates were excessive, favored higher rates for longer, and cautioned about future inflation. He opposed quantitative easing, argued that its benefits were limited, and resigned after failing to stop further stimulus, earning a reputation as a hardliner focused on currency stability over asset prices.

THE MARKET FEAR
Warsh has previously criticized stimulus, arguing it inflated asset bubbles, worsened inequality, and damaged Fed credibility. His long-standing preference for tighter policy and a stronger dollar runs directly against the “easy money” environment investors expected for 2026, triggering a sharp repricing.

THE TRUMP EFFECT AND POLICY CONFUSION
Markets are conflicted because Trump has openly pushed for aggressive rate cuts and weaker money, while Warsh’s history suggests discipline and restraint. Past comments from Warsh imply that falling asset prices may be an acceptable tradeoff if policy refocuses on the real economy instead of enriching asset holders.

THE &apos;NEW&apos; 2026 KEVIN WARSH
More recent statements suggest a complete 180 shift. Warsh has recently supported lower rates to revive housing, argued that AI could be disinflationary, and signaled alignment with the White House. Critics say this is a political flip to secure the job, while supporters argue his views have evolved with new economic conditions.

WHY THE DOLLAR MATTERS
Trump prefers and wants a weaker dollar: it boosts exports, supports stock prices, and makes government debt easier to manage, even if it reduces cons</video:description>
      <video:player_loc>https://www.youtube.com/embed/93x3SlywzIM</video:player_loc>
      <video:publication_date>2026-02-02T21:00:09.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>922</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
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  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2605/exposing-trump-s-tarriff-playbook</loc>
    <lastmod>2026-01-30T17:00:23.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/6rrmxIn5KUk/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>Exposing Trump’s Tarriff Playbook!</video:title>
      <video:description>Add me on Instagram: GPStephan

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      <video:player_loc>https://www.youtube.com/embed/6rrmxIn5KUk</video:player_loc>
      <video:publication_date>2026-01-30T17:00:23.000Z</video:publication_date>
      <video:uploader>Graham Stephan</video:uploader>
      <video:duration>60</video:duration>
      <video:family_friendly>yes</video:family_friendly>
      <video:live>no</video:live>
    </video:video>
  </url>
  <url>
    <loc>https://vidert.com/v/personal-finance/video/2606/breaking-the-fed-just-froze-rates-stocks-gold-housing-surging-while-dollar-plumm</loc>
    <lastmod>2026-01-28T21:01:04.000Z</lastmod>
    <changefreq>weekly</changefreq>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/rNos6CVn35c/maxresdefault.jpg</video:thumbnail_loc>
      <video:title>BREAKING: The FED Just Froze Rates – Stocks / Gold / Housing SURGING While Dollar PLUMMETS!</video:title>
      <video:description>Get free life insurance quotes from America&apos;s top insurers and start saving today with Policygenius: https://policygenius.com/graham Thanks to Policygenius for sponsoring this video! Let&apos;s talk about the Federal Reserve Rate Decision and the impact this will have on the economy - Enjoy! Add me on Instagram: GPStephan

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TRUMP VS THE FED: THE FIGHT OVER INTEREST RATES
Trump has aggressively pushed for lower interest rates since taking office, clashing with Federal Reserve Chair Jerome Powell. While Powell does not set rates alone, he oversees the committee that does, making him the main obstacle to Trump’s goal of dramatically cheaper borrowing. Trump has publicly floated rates as low as 1 percent and even suggested removing Powell. Although the Supreme Court has signaled Powell is legally protected from removal, tensions escalated further with DOJ subpoenas tied to a Fed building renovation, which Powell argues are politically motivated. Markets care because this conflict threatens the Fed’s independence, risks global confidence in the U.S. dollar, and sets the stage for major change once Powell’s term ends in May 2026.

MARKETS AT A CROSSROADS IN 2026
Despite strong performance over the last five years, analysts are increasingly split on what comes next. Some banks predict modest gains, others double digit upside, but notably no major analyst expects a negative year. Historically, similar optimism has preceded major downturns. The bull case rests on AI driven growth, expectations of lower rates under a future Fed chair, and heavy spending by wealthy consumers. The bear case highlights geopolitical risk, a fragile consumer base outside the wealthy, a weakening dollar from heavy money printing, and the risk of instant repricing in a future 24 hour market.

WHY HOUSING IS STUCK
Pending home sales recently fell sharply across all regions, hitting levels not seen since 2020. Realtors point to low inventory, but the reality appears to be </video:description>
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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Explore more from Ramsey Network:
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo 
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo 
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv 
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv 
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
      <video:player_loc>https://www.youtube.com/embed/akSV8G6tEzU</video:player_loc>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
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Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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Explore more from Ramsey Network:
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🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

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• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

Ramsey Solutions Privacy Policy
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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
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🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
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 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
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Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
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 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off. 

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm 
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
      <video:player_loc>https://www.youtube.com/embed/Naa4_4mueJo</video:player_loc>
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      <video:title>My Husband Is Living Off Of Sports Betting</video:title>
      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
 - Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
 - Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
 - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off

Explore more from Ramsey Network:
🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr 
💰 George Kamel ⮕ https://ter.li/dc2gee 
🪑 Front Row Seat with Ken Coleman  ⮕ https://ter.li/iwafu6 
📈 EntreLeadership ⮕ https://ter.li/g7s9g0 

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Products:
Baby Steps Millionaires: https://ter.li/s6f4lo
Breaking Free From Broke: https://ter.li/mx7jke
Total Money Makeover: https://ter.li/quktvv
The Total Money Makeover Workbook: https://ter.li/4at1ce
Financial Peace Kids: https://ter.li/iepocm
Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9
Smart Money Smart Kids: https://ter.li/ewwca6
Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny
EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g
Questions for Humans: Intimacy https://ter.li/xa94id</video:description>
      <video:player_loc>https://www.youtube.com/embed/UFVBQl-R5eA</video:player_loc>
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      <video:description>💵 Have a money question? Ask Ramsey is here to help. ⮕ https://ramsey.solutions/0wo7aya
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna

Next Steps:
• 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/ivqmri
• 🏘️ Find a Ramsey Trusted Real Estate Agent - https://ramsey.solutions/uzkxqr
• 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.

Connect with our Sponsors: 
 - Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
 - Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
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