Austin Smith

A high yield savings account is one of the easiest wins in personal finance, and one of the easiest places to leak money without noticing. The mistakes below are ordinary habits that quietly cost real households hundreds of dollars a year. Fix them once and the fix keeps paying. Leaving Cash in a Near-Zero Legacy ... Five HYSA Mistakes That Quietly Cost You Money

Austin Smith A 40-year-old social worker calls into The Dave Ramsey Show carrying nearly $300,000 in student loan debt, a 6-month-old baby, a

Quick Read In 2026, maximum Social Security benefits reach $2,969 at 62, $4,207 at 67, and $5,181 at 70, all well above the $2,076 average.

TLDR: Several US states are considering banning legal personhood for AI systems and/or declaring that AI systems cannot be conscious. The primary mot…

Austin Smith Addison, 26, and Autumn, 27, from Lancaster, Pennsylvania, called into The Ramsey Show on March 31, 2026, to share news that

Austin Smith At 58 with $3 million saved, working one additional year ranks among the most financially consequential retirement planning decisions a person can make.

Austin Smith Chelsea called into The Ramsey Show on March 25, 2026, with a story that was equal parts funny and genuinely revealing.

Austin Smith A 62-year-old retiree with $1.8 million faces a reality few anticipate: when they stop working matters as much as how much they've saved.

Austin Smith A stay-at-home mother called The Ramsey Show on March 31, 2026 with what she framed as an investing question.

Quick Read Most retirees treat the years before Social Security as a financial waiting room. There's a reason the sharpest tax planners treat it as the most powerful window they'll ever have.