📈 Are you on track with the Baby Steps? Get a Free Personalized Plan📱Watch the full episode for free in the Ramsey Network app.Dave Ramsey & George Kamel answer your questions and discuss: "My parents have no retirement savings and are expecting us to help," "How can I diversify my investment portfolio?" Should I freeze my credit? "My husband thinks we are too broke to have a baby?:" "Should I keep my Universal Life insurance policy?" Jimmy Darts on how fun it is to give money away (follow him at @jimmydarts) Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY 💤 Visit Helix Sleep for special offers! 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for18% off at The Nokbox 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.🩺 Find the Right Health Coverage During Open Enrollment💵 Start your free budget today. Download the EveryDollar app!🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.🎟️ Get Tickets to the Money & Relationships TourListen to more from Ramsey Network🎙️ The Ramsey Show  🧠 The Dr. John Delony Show🍸 Smart Money Happy Hour💡 The Rachel Cruze Show💸 The Ramsey Show Highlights💰 George Kamel💼 The Ken Coleman Show📈 EntreLeadershipLearn more about your ad choices. https://www.megaphone.fm/adchoicesRamsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices