This is the Ramsey Call of the Day, part of the Ramsey Network.

Natalie kicks off this hour in Charlotte, North Carolina.

Natalie, welcome to the show.

Hello, thank you for having me.

Absolutely.

How can we help?

Well, first of all, I'm going to just say right off the rip

that my husband and I have separate finances. Basically, due to on my end, there's some narcissistic

tendencies over there, some emotional abuse. We've been together about six, seven years. So we are separate there. We do have an

emergency fund. We're on baby steps four, five, and six. And we have some cash at home hidden and

some in the bank, obviously. And so I found out after some kind of bigger fight that he's been

taking from the emergency fund without my

me knowing and I thought I could trust him. So I've honestly never thought to count it.

And come to find out he's been spending that as cash and keeping money in his account for himself.

So I've never been so close, honestly, with that and some of the

emotional abuse. I've never been so close to considering separation. I've offered counseling as an

option, and that is not an option. He said no to counseling. He refuses. He refuses, yes. He doesn't believe in it. So now I'm kind of to the point. He's written me this long letter and talked to me about it, but I'm kind of in a pinch of, can I get someone like that to ever change or basically, do I just kind of accept things as they are.

He's admitted to everything after I had to find out.

He likes to lie, but I find stuff out, and then he admits to it then and agrees that I'm wrong.

He hasn't blown up since, but I'm kind of in this spot where I don't know if I should give up the hope that he's going to change.

Not that it makes it any better or any worse, but how much money are we talking about?

Five grand.

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