Evaluating Debt for Major Repairs
Listeners discuss whether to use credit cards for large expenses like a $100,000 septic tank repair while already in debt.
4The Ramsey Show
Stop Letting Excuses Keep You Broke
Financial experts address listener questions about debt management, career satisfaction, and major financial decisions.
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Stop Letting Excuses Keep You Broke
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Turn this episode into your next question.
Ask naturally. GenPod can find a related episode—or make a focused explainer when the right one does not exist.Key takeaways
What to know before you press play.
Marital Financial Decisions
Questions arise about paying off a partner's debt and adding their name to a house after marriage.
4Student Loans for Income Growth
A listener considers taking out $80,000 in student loans to triple their wife's income.
5Career Satisfaction vs. Income
Listeners who are making good money but hate their jobs seek advice on how long to endure their current situation.
5High-Cost Education Decisions
A listener weighs the cost of a $136,000 course against their husband's skepticism.
67Ask GenPod next
Keep the question moving.
“How do you decide if a large expense is worth adding to existing debt?”
“What factors should couples consider when merging finances before marriage?”
“How can you determine if a career change is worth the financial risk?”
Questions
Questions to carry into the episode.
Should we use a credit card to pay for a $100,000 septic tank repair when we’re already deep in debt?4
Is it a bad idea to pay off my boyfriend's debt and put his name on my house once we’re married?4
Is it a good idea to take out $80,000 in student loans so my wife can triple her income?5
How long do we have to keep up with jobs we hate even if we are making good money?5
Experts
Voices named in the source.
Sources and disclosure
Where this guide comes from.
This episode features advice from Jade Warshaw and Dr. John Delony. Listeners can submit questions via phone or email.
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Jade Warshaw Dr. John Delony answer your questions and discuss:
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• “Should we use a credit card to pay for a $100,000 septic tank repair when we’re already deep in debt?” • “My boyfriend wants us to pay off his debt once we’re married and put his name on my house.
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Is this a bad idea?” • “Is it a good idea to take out $80,000 in student loans so my wife can triple her income?” • “We are making good money but we hate our jobs.
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How long do we have to keep this up?” • “The only school in my area offering the course I want will cost $136,000.
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I want to do it but my husband thinks it’s a bad idea.”
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