No One Makes Good Decisions out of Fear or Desperation | December 18, 2025

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Dave Ramsey and Dr. John Delony answer your questions and discuss:
“How can I protect myself from my husband’s gambling problem?”
“I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”
“I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”
“Should we sell a car we were gifted?”
“Should I get a 529 plan for my children?”
“My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”
“We are about to lose 80% of our income. Should we pay down our debt or save?”
“Should I pull money from retirement to pay off my car?”
“Is it too late for me to prepare for retirement?”
“Should I let my son enjoy the fruits of his hard work?”
“Should we pay off our house after we sell our rental?”
“I received a personal injury settlement of $420,000. How should I manage this large lump sum?”
“Am I risking my almost $1M net worth by carrying $1.4M in debt?”

From Today's Episode:
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