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The Ramsey Show · June 5, 2026 · 2h 6m

You Don’t Have to Retire Broke—Time Changes Everything

Dave Ramsey, George Kamel

Dave Ramsey and George Kamel answer listener questions covering late-in-life retirement planning, financial secrets in marriage, credit card rewards dependency, equity disputes in home ownership, and hasty early retirement. The calls reveal common money struggles and the emotional weight of financial decisions.

This summary was generated from show notes and public descriptions, not from a full transcript review. Details may contain inaccuracies.

Editorial

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Starting from zero at 66 after paying off all debt
A 66-year-old caller asks what to do next after paying off all consumer debt but having nothing saved for retirement.
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Spouse refuses access to financial accounts
A wife shares that her husband told her she will never have access to his accounts.
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Using credit cards for everyday expenses to earn rewards
A caller admits they have been using a credit card to cover necessities for three years to collect rewards.
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Disagreement over how much house equity to share with spouse
A caller and her husband disagree on how much equity of the house she owns before marriage she should give him.
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Quitting jobs to retire early without a financial plan
A couple asks if they were dumb to quit their jobs to retire early.
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