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The Ramsey Show · August 18, 2026 · 2h 8m

It's Never Too Late To Start Over

George Kamel and Rachel Cruze take calls from listeners facing major financial challenges, including a $1 million settlement, $300,000 in debt, a spouse's gambling addiction, and a retired couple with no savings. The hosts provide guidance using the Ramsey Baby Steps.

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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Handling a $1 million settlement for family debt
A caller asked how to use a $1 million settlement to pay off their family's debt.
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Paying off $300,000 in debt
A couple asked how to create a plan to eliminate $300,000 of debt.
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Spouse's spending and $100,000 debt
A caller expressed fear about her husband's spending habits and their $100,000 debt.
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Protecting against a spouse's gambling addiction
A caller asked how to protect herself financially from her husband's gambling addiction.
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Retired with no savings and $57,000 debt
A retired couple with no savings and $57,000 in debt asked how to start building savings.
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Misc

✧A caller received a $1 million settlement and asked how to pay off family debt.
✧A couple with $300,000 in debt sought a plan to pay it off.
✧A wife expressed fear over her husband's spending and $100,000 of debt.
✧A caller sought protection from her husband's gambling addiction.
✧A retired couple with no savings and $57,000 in debt asked how to start building savings.
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