Growing Up Means Learning To Tell Yourself No | November 12, 2026

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 Rachel Cruze and Jade Warshaw answer your questions and discuss: - “My husband won’t let me have access to his finances, what should I do?” - “I’m a single mom with $130,000 of debt. Is bankruptcy my only option?” - “My wife really wants to own a home, but we have $130,000 of student loan debt. How can we afford a house?” - “I’m $15,000 upside down on my car, what are my options?” - “Is it ethical to take maternity leave if I don’t plan to return to work?” From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 ⁠⁠⁠New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/8a8t9q 🦸 ⁠For help with investing or retirement planning, get connected with a SmartVestor Pro!⁠ - https://ramsey.solutions/8a8b7kmq 🚢 ⁠Set Sail With Dave Ramsey. All Ramsey. All Week Long.⁠ - https://ramsey.solutions/989i4jvy Connect with our Sponsors: - Go to ACE Scholarships and claim the tax credit. Give a kid the best gift possible: a better future. → https://www.EducationFreedom.org - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. → https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org → http://ChurchillMortgage.com/RamseyOffer Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. → https://www.joindeleteme.com/Ramsey - Go to FAIRWINDS Credit Union for an exclusive account bundle. → https://www.fairwinds.org/ramsey - Debt collectors hassling you? Take back control of your life at Guardian Litigation Group → https://www.GuardianLit.com/Ramsey - Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today. → https://www.HealthTrustFinancial.com - Visit Helix Sleep for special offers! → https://www.helixsleep.com/Ramsey - Use code RAMSEY to save 20% at Mama Bear Legal Forms. → https://www.MamaBearLegalForms.com - Visit NetSuite today to learn more. → https://www.netsuite.com/Ramsey - Make navigating healthcare easier. Go to Solace Health to see if you qualify. → https://solacehealth.com/ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. → https://www.zander.com/ Explore more from Ramsey Network: 💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h 🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g 🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa 💰 George Kamel ⮕ https://ter.li/2ma765 📈 EntreLeadership ⮕ https://ter.li/proqeb Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Breaking Free From Broke: https://ter.li/erxgtw Baby Steps Millionaires: https://ter.li/lc5vki Build a Business You Love: https://ter.li/gqi49q Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn Total Money Makeover: https://ter.li/0rvomx I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p Smart Money Smart Kids: https://ter.li/jyghza EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6 Questions for Humans: Intimacy https://ter.li/jcaqu4 Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5