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Dave Says

“Dave Says” is a weekly Q&A-style column carried by more than 500 print and online publishers worldwide. It’s filled with timely questions and answers taken from The Ramsey Show

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Ken Coleman

Ken’s content addresses current trends in the job market and workplace, as well as helps readers discover a meaningful and fulfilling career.

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Dr. John Delony

John helps readers sort through mental health issues, relationship problems and emotional wellness concerns in language they can actually understand.

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Rachel Cruze

Rachel focuses on current and relevant budgeting, saving and other financial topics—all while speaking to readers more like a friend than a financial advisor.

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Dave Ramsey’s EntreLeadership

Dave’s monthly EntreLeadership content addresses small-business and leadership issues taken from everything he’s learned in 30 years as an entrepreneur. 

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Kristina Ellis

Kristina shares practical advice on surviving college and graduating debt-free. She’s an expert on scholarships, college life and the dangers of student loans.

Image Of George Kamel

George Kamel

George breaks down the latest trends and traps to help readers save time and money. He focuses on new marketplace and financial trends and believes people should laugh while they learn.

“Dave Says” is a weekly Q&A-style column carried by more than 500 print and online publishers worldwide. It’s filled with timely questions and answers taken from The Ramsey Show

Image Of Ken Coleman

Ken Coleman

Ken’s content addresses current trends in the job market and workplace, as well as helps readers discover a meaningful and fulfilling career.

Image Of John Delony

Dr. John Delony

John helps readers sort through mental health issues, relationship problems and emotional wellness concerns in language they can actually understand.

Image Of Rachel Cruze

Rachel Cruze

Rachel focuses on current and relevant budgeting, saving and other financial topics—all while speaking to readers more like a friend than a financial advisor.

Image Of Dave Ramsey

Dave Ramsey’s EntreLeadership

Dave’s monthly EntreLeadership content addresses small-business and leadership issues taken from everything he’s learned in 30 years as an entrepreneur. 

Image Of Kristina Ellis

Kristina Ellis

Kristina shares practical advice on surviving college and graduating debt-free. She’s an expert on scholarships, college life and the dangers of student loans.

Image Of George Kamel

George Kamel

George breaks down the latest trends and traps to help readers save time and money. He focuses on new marketplace and financial trends and believes people should laugh while they learn.

The Ramsey Personalities help bring hope and transformation to your life.

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About Dave Ramsey

Dave Ramsey is an eight-time national bestselling author, personal finance expert and host of The Ramsey Show, heard by 18 million listeners every week. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth and enhance their lives. He also serves as CEO for Ramsey Solutions.

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Dave Says

Dear Dave,
We are ready to start Baby Step 2, and we have about $35,000 in total debt. Our two smallest debts, a credit card and a truck we financed, are both $4,500 right now, and we have a combined income of about $95,000 a year. Since the credit card has a higher interest rate, my wife thinks we should pay it off first. To me, the truck is a necessity, and we should pay it off first for that reason. What do you say?
— Grant

Dear Grant,
When the rule of paying off debts from smallest to largest doesn’t apply, I think you should attack the one with the larger interest rate first. In your case, that’d be the credit card debt.

I get what you’re saying about the truck. And I agree that transportation is a necessity. You guys might be in a bind if something happened and you lost a vehicle, but it’s also a situation you could probably work around for a little while if you had no choice. My guess is you have friends or relatives who could loan you a car in a pinch, and public transportation is an option for some folks. So yeah, knock out the credit card first, then move on to the truck . . . 

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About Ken Coleman

Ken Coleman is America’s Career Coach, the #1 national bestselling author of The Proximity Principle and From Paycheck to Purpose, and host of The Ken Coleman Show. Ken helps people discover what they were born to do and provides practical steps to make their dream job a reality. The Ken Coleman Show is a nationally syndicated caller-driven show that helps listeners who are searching for something more in their career.

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Career Coaching With
Ken Coleman

After the Interview: Why Following Up Is So Important

Your interview was an enormous success. The hiring manager thought you were intelligent and funny, plus your skills and experience checked every box—and then some. All there is to do now is sit back, relax and wait for the job offer, right?

Wrong.

A thank-you note sent after a job interview is a simple, but important, step toward setting yourself apart from other applicants. Not only does this quick message highlight your communication and people skills again, but it also shows professionalism and gratitude. You can’t afford not to send this email to your interviewer if you’re in the market for a job.

Just five minutes is all it takes to reconnect with a hiring manager, and it can mean the difference between landing the career of your dreams or getting lost in the shuffle. And a thank-you email doesn’t have to be a long, drawn-out message. A few sentences can be enough to make a good impression and show an extra level of attention . . . 

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About Dr. Delony

Dr. John Delony is a #1 national bestselling author, mental health and wellness expert, and host of The Dr. John Delony Show. John writes monthly articles based on mental health issues such as emotional wellness and relationships. Before joining Ramsey Solutions in 2020, John spent over two decades in crisis response and senior leadership, earning two PhDs along the way. 

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Dr. John Delony

How to Deal With Anxiety

The world has become an anxious, worrisome place. Anxiety has been escalating on a near-vertical trendline—currently, 40 million adults in the U.S. alone are struggling.

Make no mistake: Even if you don’t struggle with anxiety, it is real, and it’s powerful. I know I’ve been weighed down by anxiety and the runaway train of fear and compulsion. But I also know that healing and peace are possible when we decide to change our identity, take ownership of our thoughts and actions, and partner with anxiety instead of going to war with it.

Anxiety is like a smoke alarm. It goes off when it detects a threat in our bodies or our environments—like when we feel we’re in danger, alone or out of control. In most cases (though not all), anxiety does not mean something is wrong inside us, but rather, it means there are fires in our environment—like disconnection, safety concerns, overstimulation or past trauma—that need to be addressed. Sometimes, it’s as simple as drinking way too much coffee and not getting enough sleep.

Healing our anxious minds and bodies is a daily and lifelong journey, but it’s one worth taking . . .

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About Rachel Cruze

Rachel Cruze is a #1 New York Times bestselling author, a personal finance and budgeting expert, and host of The Rachel Cruze Show. Growing up as Dave Ramsey’s daughter, Rachel hated budgeting for years until she experienced the freedom of budgeting for herself. Rachel now shares fun, practical ways to take control of your money and create a life you love.

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Rachel Cruze

How to Boost Your Holiday Budget . . . Starting Now!

I know, it may feel a little early to be talking about Christmas. But hear me out! While you might not be ready to hang the mistletoe, it’s never too early to save money for the holidays. In fact, the sooner you start saving up, the better (and less stressful) the season will be.

Too many people find themselves mid-November with nothing saved, so they turn to credit cards in a panic and end up paying for Christmas until April of the next year. Not good. That’s why I like to put aside a little money each month starting in January. But if you’re just now thinking about saving, don’t worry. There’s still plenty of time to save up some cash between now and the most magical time of year. You just need a plan . . . 

Want to read more?

We’d love to give you a chance to see for yourself why our content has changed millions of lives. Email us to get on the list!

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About Dave Ramsey’s EntreLeadership

Dave has grown his company to a winning national brand with more than 1,000 team members who have impacted millions of lives. EntreLeadership is how he did it, mistakes and all. This is 30 years of real-world experience with all the sweat, tears and prayers. This is how his company has been named one of the Best Places to Work in Nashville 11 times. It’s proven. It’s practical. And it’s how you can do it too!

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Dave Ramsey’s EntreLeadership

Secret Enemies of Productivity

You probably feel there are rarely enough hours in a day, no matter how hard you work, to get things done. But being distracted doesn’t necessarily mean keeping up with friends online or spending hours watching cat videos. There are other forces at work, many of them business related, that can secretly keep you from being productive.

Issue: Email

It’s all too easy to fall down a rabbit hole when you see dozens of emails sitting in your inbox. But are all of them worth your time and attention? Could some of them be handled by someone else?

Answer: Choose two times during the day to read and reply to emails, and put those times on your calendar. If you have an assistant, put them in charge of your email and instruct them to forward only what you need to see . . .

Want to read more?

We’d love to give you a chance to see for yourself why our content has changed millions of lives. Email us to get on the list!

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About Kristina Ellis

Kristina Ellis is a bestselling author who believes no student should be burdened by student loans. By sharing practical wisdom from her personal experience of earning $500K in college scholarships, she has helped thousands of students earn a debt-free education. She was featured in our Borrowed Future documentary to contribute her college finance expertise.

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Kristina Ellis

3 Tips to Help Your Kids Crush College

I talk to a lot of well-meaning parents out there who have a hard time knowing how to best prepare their kids for college. They don’t want to annoyingly overload them with life advice (cue the eye rolls), but they also know it’s their job to give guidance as their teens step into adulthood.

So, what’s the sweet spot? How can you empower your student to feel the freedom they crave while still giving them the guidance they need?

Whether your family is just starting to talk college or your baby is heading off this fall, I’ve found that these three tips help set a solid foundation for your college student (and hopefully they’ll help you have some good conversations too!). Let’s dive in.

1. Have a plan (even if it’s a loose one).

Remember when it was your kid’s first day of school ever? Those wide, excited (possibly terrified) eyes. A backpack that’s way too big bouncing on their backs. With a little guidance from you, I’m guessing your child had a vague idea of what to expect: arrive at school, learn in class, eat lunch, play, learn some more, and come home. And that direction helped them face the unknown with confidence . . .

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We’d love to give you a chance to see for yourself why our content has changed millions of lives. Email us to get on the list!

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About George Kamel

George Kamel is a cohost of The Ramsey Show and host of The Fine Print and The EntreLeadership Podcast. He’s served on the Ramsey team since 2013, and his countercultural approach to money helps people avoid financial traps and make better money decisions.

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George Kamel

Selling Stuff Online Is the New Garage Sale

August 13 is apparently National Garage Sale Day. I don’t know who invented it, but more power to them. We live in modern times though, and selling your unwanted stuff online can be way more profitable.

So, if you’re not feeling like posting up in the heat from the crack of dawn until the last straggling thrifters stop showing up, let’s explore your online options. There are plenty of selling sites and apps that can turn your old stuff into someone else’s treasure. Here’s how to do it the right way.

How to Get Started Selling Stuff Online

The process is simple, but there are a few things you’ll need to prep and decide before you start rolling in the dough.

  • First, gather the stuff you want to sell and make sure it’s in good condition. Double-check that your gadgets work, clothes don’t have major rips or stains, shoes don’t have holes, and bikes and home items are clean and repaired. The cleaner and newer it looks, the higher the chance of selling.
  • Next, take clear, well-lit pictures of your items.
  • Then, decide if you’d rather complete sales by meeting buyers at a public place or shipping items from the post office. There’s no right or wrong way—just do what’s convenient for you . . .

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We’d love to give you a chance to see for yourself why our content has changed millions of lives. Email us to get on the list!