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The Rachel Cruze Show

Do This Now to Avoid Money Problems in Your Marriage Later

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 5 May 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan. Debt or no debt, money fights are real! In this episode, you’ll learn how to talk about money in your relationship, plus four financial red flags you shouldn’t ignore. 🚩 Next Steps: 🎥 Watch my video Should You Combine Accounts With Your Spouse? 💰 Beat debt and build wealth faster with Financial Peace University. 💵 Make budgeting simple. Download the EveryDollar app for free!   Connect With Our Sponsors:   🏥 Learn more about Christian Healthcare Ministries. 🔒 Get 20% off when you join DeleteMe. Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show   💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

So 41% of couples with debt say that they argue about money.

0:09.9

But get this, 25% of couples who are debt-free say they still argue about money.

0:15.8

So it kind of proves no matter your relationship or financial status, money is complicated and it affects our

0:22.1

relationships, specifically romantic relationships. So today, I'm telling you when, how, and why to talk

0:29.6

about money with your significant other. And I'm also sharing four financial red flags to watch out

0:35.1

for if you're dating. So first, let's talk about the why. So as we

0:39.2

mentioned earlier, like money is an issue in relationships. And so if you know that going in and knowing

0:44.8

that it's one of the leading causes of divorce in America today, you'll be like, okay,

0:49.4

that's a problem. So we should probably talk about that. That's the why. So it's not that you're

0:53.5

going to sit there and interrogate someone on your first date about finances, but it is to say, yeah, this is a big

0:59.5

issue in life. And if we are dating and we are in a relationship or even if you're married,

1:04.1

like we need to talk about the big things in life and money is one of those. Okay, so let's

1:08.7

talk about the when. So it naturally, hopefully will come up

1:13.4

in your dating relationship, especially if you see a future with someone. If it's getting more

1:17.3

serious over time, my prayer is that your relationship has a level of depth and commonality

1:22.8

and that your conversations just aren't about the weather, right? You are actually talking about

1:27.4

real life

1:27.8

stuff because if you're thinking, yeah, this is probably going to be a partner for me for the

1:31.9

rest of my life. Like we need to talk about family. We need to talk about kids and discipline. We need

1:36.4

to talk about spirituality. We need to talk about money, right? So when is, I would say, yeah,

1:41.8

as the relationship gets serious and if it hasn't been brought up,

1:45.5

then it needs to. All right, before we chat about financial red flags, here's how I would bring

...

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