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A Philadelphia caller named Monique reached Baby Steps 4, 5, and 6 after wiping out $80,000 in debt in roughly a year and a half. She is due to deliver her fourth child next month, has three kids already in daycare, and called The Ramsey Show on June 9, 2026, worried she could not sustain a 15% retirement contribution. Dave Ramsey barely touched the retirement math. Instead he told her and her fiance to “be in the pastor’s or the judge’s office this weekend and we’ll have a party next spring.”
The stakes are legal and financial. Monique is the higher earner, the custodial parent, and the person whose name is on the household’s stabilized balance sheet. Co-host Rachel Cruze put it…