5 Signs You're A Financially Responsible Person

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 1 January 2026

⏱️ 7 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Zander shops all the top-term insurance companies to save you money.
0:06.8	Get started at zander.com.
0:08.8	All right.
0:09.2	Today's question comes from Hayden in Pennsylvania.
0:12.2	He says, my wife and I recently got married and bought a home.
0:16.1	We're debt-free other than the home and have a fully funded emergency fund of about 19,000. Our combined income is
0:23.3	approximately 10,000 a month, and our expenses are only around 3,500. We spend around $450 a month on
0:31.8	eating out and entertainment. Now, I'm the saver, and I find it very hard to spend on items that I don't believe our needs.
0:40.3	My wife loves to think about ways to decorate our first home, and given that we're debt-free
0:45.0	besides the home and investing 15% in our retirement, what strategy should I put into place
0:51.1	regarding how much cash we could wisely spend on furniture.
0:55.4	I'm happy sitting in the dark living room on a lawn chair reading financial statements, but
1:00.4	you're cooler than me.
1:01.8	You might be a nerd if.
1:03.1	This is terrible.
1:04.0	He says, you're cooler than me and we'll answer the question in a way that will ease my anxiety
1:07.5	and also help our marriage.
1:09.3	Oh, yeah, we're going to help your marriage because if you
1:10.8	continue down this track, it's not looking good for you, buddy. Yeah, you guys are doing fine. You're
1:16.7	doing good. Babyset 4, investing 15%. Love all that. The fact that you have all of this margin is fabulous.
1:24.0	$10,000 coming in, $3,500 going out. Dave, when I think of things like this, I like
1:30.7	thinking about it in terms of what I'm going to call just kind of a financially responsible adult
	...

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