Financial Irresponsibility Always Has a Cost

The Ramsey Show

Ramsey Network

Self-improvement, Education, Business, Investing

4.5 • 38.5K Ratings

🗓️ 8 April 2026

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar App. Start budgeting for free today.
0:14.7	Normal is broken, common sense is weird, so we're here to help you transform your life from the Ramsey Network in the Fair
0:22.7	Wands Credit Union Studios.
0:24.7	I'm Dave Ramsey.
0:25.9	This is the Ramsey Show.
0:27.7	Jade Washall, Ramsey Personality, number one bestselling author, is my co-host today.
0:32.4	Open phones at AAA 825-5-225.
0:36.4	The call is free and some say the advice is worth exactly what you pay for it.
0:41.1	All right. Taylor is in Dallas. What's going on, Taylor?
0:45.0	Hi, Dave. So I'm calling in, me and my husband got married about seven months ago.
0:50.0	And over the course of this tax season and gathering all of our documents, unbeknownst to me,
0:54.8	he has not paid taxes for 23 or 24 and now 25. And so, yeah, kind of a big deal going into
1:02.8	a marriage wanting to know something like that. I'm very type A and on top of that sort of thing.
1:06.7	I'm a W2 employee and so it's pretty simple, straightforward every year. He's a 1099 graphic designer, and so now this year, we're in years past, I would get a return.
1:16.1	We are going to owe a pretty big deal on top of owing for 23 and 24. And so I just kind of want some advice on what to do. I will say first and foremost, the same day I found out, I contacted the CPA and we're in the process of, you know,
1:27.5	we finalized 2025 and we're working on 23 and 24, but definitely unexpected, you know,
1:32.5	going into a marriage and now having what could potentially be up to a $35,000 or a $40,000 debt.
1:37.7	Wow.
1:39.7	Okay.
1:40.3	So what does Mr. Creative say about his irresponsibility in lying to you?
1:45.0	Well, he is, it has been a rough couple weeks.
1:48.0	He obviously is very apologetic and in his words it wasn't intentional.
	...

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