About

Yes, Dave or Ramsey Show Call-In is a series of memes using an image of radio host and financial advisor Dave Ramsey taking a call from a listener on The Ramsey Show with his arms crossed alongside captions comprised of a phrasal template in which a caller walks Dave through a bad financial decision. The earliest known example of the meme was posted by X / Twitter user @crusadepepe in late June 2025. The format was popularized in October of that year as users applied captions, imagining funny financial calls to the image.

Origin

On May 29th, 2025, X^[1] user @flapprdotnet made a quote repost of a tweet about Sydney Sweeney's bath water soap, mimicking a call-in to the Ramsey Show where someone admits to spending too much money on the soap, garnering over 84,000 likes in five months. The meme uses a screenshot from an unspecified episode of The Ramsey Show podcast, a financial advice podcast hosted by Dave Ramsey.

On June 26th, 2025, X^[2] user @crusadepepe posted the same image with a caption joking about Dave Ramsey giving advice to a viewer who owes $1,000,000 on a mortgage because his "Fart Coin" holdings tanked. The post gained over 37,000 likes in a day.

Spread

The meme of Dave Ramsey was popularized in early October 2025 as it spread on Twitter / X.

On October 7th, 2025, X^[3] user @randomrecruiter posted a new version of the meme in which a caller tells Dave Ramsey that they quit their $300,000 per year job because they had to commute twice a week, garnering over 37,000 likes in three days.

On October 8th, X^[4] user @aelfred_D posted a version of the meme where a caller describes to Ramsey the story The Gift of the Magi, garnering over 16,000 likes in two days.

On October 9th, 2025, X^[5] user @William_E_Wolfe posted a version of the meme in which the caller recounts the story of Adam and Eve to Ramsey, garnering over 4,500 likes in a day.

Later that day, X^[6] user @bendellwerry posted a version of the meme where the caller recounts the story behind the song The Devil Went Down to Georgia, garnering over 96,000 likes in a day.

Various Examples

Search Interest

External References