He Thinks He Deserves To Go Into Debt For A Truck

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 19 January 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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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.
0:06.0	I just have a question about how you would handle a situation when you disagree with your spouse
0:11.0	about going into debt. Tell us the, tell us the T. What's going on?
0:17.6	So it's regarding our vehicles. We both drive paid off vehicles.
0:23.6	I drive a 22 Ford Expedition, which we bought, used, went into a little bit of debt, but paid it off very quickly.
0:32.6	My husband drives a 2019 Toyota forerunner and has wanted a truck for a long time and is kind of done waiting.
0:44.9	We've prioritized other financial goals for a long time.
0:50.0	And now he just thinks he wants to go into debt to get it.
0:53.3	Why would you have to go into debt?
0:54.9	What about, well, let me ask a couple questions.
0:56.8	You guys still have debt or everything's gone now?
1:00.3	Everything's gone.
1:01.3	We have a fully funded emergency fund.
1:04.7	We have three kids, two of which have $5.29.
1:08.7	So we're saving for their college.
1:11.5	We fully fund our Roth IRAs every month.
1:14.0	Good.
1:15.2	And so you're financially responsible adults, is that is what I would say.
1:20.8	What is on fire that he needs to sacrifice all that you've built?
1:25.4	I mean, why can you guys not save up and pay cash for this
1:29.2	truck? Yeah, I think we can. I think it would take some time to save up the difference between
1:35.4	the trade and value and then we've got some other money set aside. How long would it take?
	...

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