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The Ramsey Show Highlights

I'm Afraid Of What I'll Find If We Combine Finances

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5839 Ratings

🗓️ 12 November 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

Brought to you by the Every Dollar app.

0:04.3

Start budgeting for free today.

0:06.9

I guess I have a question about debt and merging everything.

0:11.8

I'm a new wed.

0:13.2

Me and my husband recently got married in December 12th, 2024.

0:18.0

And I didn't know that he wasn't as financially responsible as I thought um he has

0:26.1

I guess been more secretive about his debt I'm a bit more like open about it and he wants

0:32.5

the merge accounts but I'm not comfortable with doing it as a get because he's kind of been very secretive

0:38.2

and has lied to me about certain debts.

0:41.4

And I'm working on now using like your plan to get myself out of debt because I bought

0:46.3

a home before we got married back in 2023.

0:50.0

I have a car I'm working on paying off, which is supposed to be paid off later maybe next year,

0:56.6

and a couple other few debts, but he has many more that I wasn't aware of and some that I think

1:02.1

is secretive about still.

1:03.6

We're going to marriage counseling, but I just, I don't know how to be more comfortable

1:08.9

with merging our accounts together and fear like we'll be deeper in debt versus trying to have more assets.

1:17.3

Give me an example.

1:18.2

So let's clarify because part of the solution to the problem is you merging accounts because when you merge them, then you can see everything that's going on, right?

1:27.8

There's transparency there. So give me an example of what that deceit looked like. Was it, I asked him how much the bill was and he said it was 300, but really it was 3,000. Tell me an example of what that is.

1:40.8

Meet every dollar budgeters, Christy and Steve. They used to fight about money.

1:45.0

I'm the spender.

1:46.0

I'm definitely the saver.

...

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