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The Ramsey Show · October 20, 2026 · 2h 7m

Simple Habits Create Lasting Peace

Rachel Cruze and Jade Warshaw take calls from listeners facing common money challenges: a late starter with no retirement savings, building a business without debt, whether to cash out a whole life policy, buying a home in a high-cost area near retirement, and escaping $50,000 in debt. The hosts apply the Ramsey Baby Steps to each situation.

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

Preview

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Retirement Planning at 67 with Nothing Saved
A 67-year-old caller with no retirement savings asks how to begin preparing for retirement, and the hosts provide guidance.
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Building a Business Without Debt
A caller asks how to possibly start or grow a business without taking on any debt, and the hosts share their perspective.
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