Brought you by Y-ReFi, refinance your defaulted private student loans today at Y-refi.com slash Ramsey.

Today's question comes from Spencer in Texas. I have my $1,000 emergency fund and my three months of expenses already saved.

I'm planning to get engaged soon and have a question. Is that money I made and contributed

pre-marriage are $1,000 and three months of expenses, or should I take out half of what I contributed

and put it towards a joint investment account and have her slowly rebuild the other half of the

emergency fund? This way, it won't feel like she's marrying into financial security and all the

sacrifice and dedication I made before we got married.

A thousand dollars?

In the three months of expenses on top of that.

So he has both.

He's got a fully funded emergency fund.

He's saying, should I take out half and make her build it so that she doesn't feel like she's riding a gravy train?

Let me help you, son. That ain't a gravy train. It's just an umbrella. It's not like you're some prize.

Oh my gosh. This is wild. No, do not do that at all unless you want to start off your marriage with resentment.

And don't start off your marriage trying to be her parent.

Really dumb idea.

Yeah, I'm going to make her learn her little lesson, the little lady.

Oh my God, you arrogant.

No way, dude.

She's going to smack you left away from Sunday.

This ain't going to work. It sounds like you're

bitter for some reason, because you're saying, I made all the sacrifice and dedication. I don't know

...