Dave Ramsey has blunt words for couple losing money on XRP

Dave Ramsey has blunt words for couple losing money on XRP originally appeared on TheStreet.

A woman named Ana from San Francisco called into The Ramsey Show with a devastating confession — after paying off $80,000 in debt with her husband, she found out he secretly borrowed $200,000 to invest in cryptocurrencies like XRP and “Trump coins.” And then, he lost it all.

Ana began by explaining how they’d been following Dave Ramsey’s debt-free plan since 2022 and had successfully paid off $80,000 by May 2024, with just their home mortgage left. “It was wonderful,” she said.

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But things took a dark turn. Her husband started exploring cryptocurrency investments, initially making small profits. Then, without her knowledge, he took out massive loans totaling nearly $200,000 and dumped it into crypto projects.

“He made a big move behind my back,” Ana said. “He took a big loan of $200,000... and he invested that money in crypto, XRP, Trump coins and all this stuff. He told me after he did it. I panicked. I was in totally panic when he told me that.”

Crypto scam

To make matters worse, Ana later discovered that the entire investment — which included $50,000 of his mother’s money — was part of a scam involving a company called “Pionex,” which her husband had heard about through friends.

“He got scammed,” she said. “Yeah, he lost everything.”

Dave Ramsey was blunt. “So where did you bury him?” he asked, before joking, “I’m still digging my backyard,” Ana replied.

Ramsey didn’t hold back when he learned Ana’s husband had used multiple personal loans and credit cards to fund the scheme. “These are credit cards and personal loans?” he asked. When Ana confirmed, he fired back: “The interest is not your problem. Stupidity is your problem.”

The total debt now stands at nearly $200,000, with interest rates as high as 23% and monthly payments of $5,000. Ana is currently unemployed but plans to return to work once her children go back to school.

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Ramsey dismissed the idea of bankruptcy, telling Ana that with a household income of $10,000 per month and $300,000 in home equity, they could pay the debt off.

“You’ve already paid off $80,000 and did that in 18 months. So you know how to do this,” he said. “You’re not bankrupt. You make enough money to clean this up.”

When asked if her husband had taken responsibility, Ana replied, “No, that was big lie.” She added, “He told me he was going to be millionaire and that I didn’t have to worry about it.”

But Ramsey wasn’t impressed. “Has he owned this so that it doesn’t happen again?” he asked. Ana hesitated and said the only reason she hadn’t walked away was because her husband “told me crying. He begged me to stay and he told me that God took this money away.”

Dave Ramsey slams husband’s crypto gamble

That sent Ramsey over the edge: “No, God did not do this. Don’t blame God when you’re stupid.”

He continued, “He needs to own that or he is going to do it again. If you blame it on God, then what are you going to blame it on next time? The devil?”

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Co-host Jade Warshaw urged Ana to seek therapy, warning that emotional resentment could grow with every debt payment. “With every payment, the resentment has the ability to grow more and more... You guys have to get into some sort of therapy, something to work through this.”

Ramsey closed the segment with a warning about the recurring nature of these calls. “How come every time you’re on the air, I get these crypto cards?” he asked Jade. “There’s some pattern here. It’s a problem.”

Dave Ramsey has blunt words for couple losing money on XRP first appeared on TheStreet on Jul 18, 2025

This story was originally reported by TheStreet on Jul 18, 2025, where it first appeared.