Brought to you by the Ramsey Network app.

Download today to go further with Ramsey.

Today's question comes from Mary in New Mexico.

My husband and I have been listening to you for 30 years.

Being empty nesters now, we have found that we had to pull back the reins a little bit,

went back to using an envelope for groceries.

We also eliminated credit cards and mostly used cash.

The one expense that my husband refuses to use cash for is golf in all caps, with an exclamation point.

He has been an avid golfer for 40 years, being the main bread winner.

He feels somewhat justified and deserving to continue this hobby.

He never remembers what he spent, so we're constantly having no adjust for extra money that's coming out because he changes everything at the

club, and then we get an invoice. Could I please get your expert advice on dealing with this type

of scenario? Well, I was a member of a local club for a while. We had a thing, one of the things

I'm very thankful for. We had a corporate membership at a great golf course here.

And Stacey and I had to put this in the line item. And so he's got to put this in the budget.

And if it's not going to be cash, because I understand the way these clubs do this, he knows what it costs to golf.

He knows what it costs to get a cart if they were adding

that in. He knows what the taxes are on that. He also knows what it costs for a twix at the turn

or a turkey sandwich. So these are things that are all very controllable, and he's got to play ball.

And so, you know, you know what it costs to play golf beyond your membership, whatever.

So he's got to put that in there.

And you guys got to come to an agreement on this is what we can spend as we're having to tighten up right now.

...