this is the ramsie call of the day part of the ramsay network joining me today is ramsie

personality rachel cruz abigail is in topeka kansas hi abigail how are you well hello there

thank you for taking my call,

Dave and Rachel. Sure. What's up? Well, you both say that that's not a money problem.

That's a marriage problem. And I know that's what I have. I've been married 40 years,

and I'm staying in the marriage, but I'm scared. I have no retirement to speak of.

We have no retirement to speak up. And we're getting old.

How old are you guys? He's 69. I'm 62.

Yeah. And you have, you guys have no retirement. He has 40,000. I have 16,000. Are you both still working? Yes. He's had various and sundry

businesses over the years. He uh his last one and then

quote retired for two and a half years and now he's back in the workforce we make plenty of

money we just spend it all and what's his what's his hesitation of well you're saying spend it all. So I'm going to go with that

language. Is it mostly him or is it you as well that you're thinking I don't have great money

habits either? We don't have furs and jewels. We have nothing really to show for it. We've been

doing a budget for four years after we did

FPU. And yet, no matter how much money we bring in, out the door it goes. And last night, he said to me,

that gazelle intensity is BS. I'm not doing it.

Well, we've completely paid off all the debt.

Well, let me just say, we did, and then I did again and again and again.

And what's really got me scared right now is his health is failing.

And even though I'm a late bloomer, I was a stay-at-home mom for years and years,

I had the capacity to make a lot of money. With all the stress, it's just wildly, like last year was 50 grand. This year is 175 grand. The year

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