The Ramsey Show

Dave Ramsey has been yelling at people about money for over 30 years, and somehow it keeps working. The Ramsey Show is a daily call-in program where real people phone in with real financial messes -- drowning in car payments, fighting with their spouse about spending, wondering if they should cash out a 401(k) to pay off credit cards. Dave and his rotating co-hosts (Rachel Cruze, George Kamel, Jade Warshaw, Ken Coleman, and Dr. John Delony) walk callers through their situations live, usually anchoring the advice in Dave's famous Baby Steps framework. The format is simple but effective. Someone calls, explains their income and debt, and the hosts map out a specific plan. Pay off the smallest debt first. Build a $1,000 emergency fund. Stop eating out five times a week. The advice tends to be blunt and occasionally harsh, which is part of the appeal. Dave does not sugarcoat things. He'll tell a caller making $45,000 that buying a $50,000 truck was a terrible decision, and he won't apologize for saying it. The show leans conservative and faith-informed, which connects with a massive audience but may not resonate with everyone. Episodes run about 40 minutes and drop every weekday, so there's always something new. With billions of total downloads and one of the highest-rated finance podcasts on Apple, the Ramsey Show is arguably the most influential personal finance program in podcast history. If you need someone to tell you the truth about your money situation without being polite about it, this is your show.