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The Ramsey Show · September 10, 2026 · 2h 8m

You Can’t Hack Your Way Out of Debt

Dave Ramsey, Rachel Cruze

Dave Ramsey and Rachel Cruze take calls from listeners dealing with family financial chaos, student loan nightmares, and the temptation to use speculation to get ahead. The episode covers navigating a spouse's inherited bankruptcy, handling a disowned spouse's ParentPLUS loans, whether cryptocurrency should be used to pay off a mortgage, if a 64-year-old with no savings can still build wealth, and what to disclose about personal wealth in a serious relationship.

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

Highlights

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Spousal Bankruptcy and Family Business Risk
A caller's wife is facing bankruptcy because of her father's poor business dealings.
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ParentPLUS Loans and Estrangement
A wife's father took out ParentPLUS loans for her and her siblings, disowned her, and is now demanding she pay all of it.
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Using Crypto to Pay Off a Mortgage
A caller asks whether they should use cryptocurrency to pay off their house.
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Starting Retirement Savings at 64 with Debt
A 64-year-old caller with $17,000 in debt and nothing saved for retirement asks if it's too late.
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Disclosing Wealth in a Developing Relationship
A caller asks what they should disclose to their boyfriend about their wealth as the relationship gets more serious.
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