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

Today's question comes from Taylor in Maryland.

Taylor writes, I'm married to a serious spinthrift.

I started using every dollar when he was incarcerated three years ago.

Well, I'll go ahead and underline that one. With my single income, I was able to tithe, pay all

our bills on time, fund, car, and home repairs, and pay off $40,000 in student loan debt,

with $65,000 left to go. Can I just stop there? Incredible, Taylor.

Way to go. In our phone conversations, he makes big future money plans that I think are unwise.

If we benefit from the Navient settlement where the debt is canceled and refunds are paid out,

the timing of the payout would be just after he'll return home. How do I deal with

the stress of trying to keep any refund from being wasted? He's seen the success from following the

plan and his response is basically, that's great, I'm proud of you, but we're not following that

plan when I get home. There's a lot of yikes going on in this situation, John.

But, man, Taylor's incredible.

Taylor.

We just solo her out.

I'm like, man, she's crushing it.

It's, it's, it does my heart good when we can just stop and stop the party here for a second

and just call somebody out and say,

what an incredible human being.

While your husband was in jail for a couple of three years,

you managed to take control back in your home,

...