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You Work Too Hard to Stay This Broke

2025/6/13

The Ramsey Show

A couple with a combined income of almost $300,000 is living paycheck to paycheck due to unexpected expenses and poor budgeting habits. They are not saving for retirement sufficiently and have inconsistent budgeting practices. They need to create a sustainable budget and improve their financial decision-making, focusing on long-term financial health rather than reacting to every crisis.

Combined income of almost $300,000
Living paycheck to paycheck
Unexpected expenses (funerals)
Poor budgeting habits
Not saving for retirement sufficiently
Inconsistent budgeting practices

Shownotes Transcript

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

"We make $300k a year but we are living paycheck to paycheck."
"My husband's family expects us to pay the expenses for their lake house. How do we deal with this?"
"I have to work all the time as a single mom. How do I avoid burnout while in this grind?"
"75% of my take-home pay is going to mortgage payments. I feel like I'm underwater, how do I get out of this?"
"Can I do a 30-year mortgage and pay it like a 15-year mortgage?"
"How can we recover from a crypto scam that took $243K of our money?"
"Should I have a wedding celebration or just elope to save money?"
"How do I get over the regret of losing my retirement savings to a scam?"
"Should I give up gambling?"
"My dad isn't interested in talking about the succession plan for our family business, how do I start the conversation with him?"