'It Might've Been A Spirit, But It Wasn't The Holy One,' Says Dave Ramsey As Couple Waits On God To Sell $60,000 In Crypto

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Arabella from Springfield, Missouri, told "The Ramsey Show" in April that she faced $60,000 in cryptocurrency, $14,000 in student loans and $37,000 in auto debt while preparing to close on her first home.

The question she posed to financial coach Dave Ramsey was whether they should sell their crypto to pay off debt or wait for what they believed might be divine timing.

Couple Questions Whether To Cash Out

Arabella explained that their crypto portfolio once held an additional $30,000 in value, but it dropped after policy announcements from President Donald Trump. She and her husband wondered if holding the coins longer could restore their lost wealth.

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"I wouldn't try to time the market with it," said co-host Jade Warshaw. "You guys are in debt today, and you're closing on the house really quickly. So, I would liquidate this crypto, and I would pay off this debt. I would do that instantly."

Ramsey calls digital assets "one of the most volatile, high-risk investments on the planet." He warned that they're "not technically an investment — it's actually called speculation."

Rolling The Dice On Crypto

Arabella pushed back, saying their holdings were not meme coins, but Ramsey dismissed the difference. He cautioned that external events, such as tariffs or policy remarks, could sink their portfolio overnight.

"And so what happens when Trump burps again? You're screwed," Ramsey said. "It's the roll of the dice. You're in Vegas, and your car payment is on the line."

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He then reframed her thinking with a simple question: If she had no debt today, would she borrow against her car or take out credit cards to buy $60,000 worth of crypto? "Absolutely not," Arabella replied,

"It's the same thing," Ramsey said. "If you don't sell it today, you'll borrow it again tomorrow."

Spiritual Beliefs Collide With Financial Advice

"We are Christian and we do not gamble," Arabella said, revealing another layer of her decision-making. "But we felt like God showed us these three specific coins that we're invested in. And we have just been waiting for the right time for him to show us when to sell, which is why we've been holding for five years through two bull runs."

Story Continues

"Playing short-term games with money you don't have — because you're broke — please don't blame that on the Holy Spirit," Ramsey responded. "It might've been a spirit, but it wasn't the holy one."

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This article 'It Might've Been A Spirit, But It Wasn't The Holy One,' Says Dave Ramsey As Couple Waits On God To Sell $60,000 In Crypto originally appeared on Benzinga.com

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