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

Joining me today is Ramsey personality, Rachel Cruz.

All right, Brittany's with us in Birmingham.

Hey, Brittany, welcome to the Ramsey Show.

Hi, how are you?

Great. How can we help? Yeah, so I, my question is kind of more of a moral thing than a money thing. So my husband is 25 and I'm 23. We've been married for just over a year and

we've recently kind of decided that we want to start seeing where every penny of our money

goes. And both of our money goes.

And both of our parents love you. We've grown up, you know, going to your classes and reading your books, so we know everything. And my mother-in-law decided that she wanted to offer us

some advice. So we started to take some of her advice. And then one day she came to us and said,

I just want to go ahead and make your budget for you and i immediately laughed this off and i thought

this is crazy like i would not do that i think she's joking but my husband thought that it was a

really good idea and i that's so sweet and i begged and pleaded with him to not let her do this.

And so I finally got him to agree for us to work on our budget together alone.

And I thought it would be for our eyes only.

But in the middle of us writing down our paychecks, like our bills and things like that,

he called his mom and asked her to come over, and she came over to our house and looked at everything.

Do you hear the helicopter blades?

Yeah.

Yeah.

And she came over, and she looked at everything.

And I, on the way, while she was on the way after he

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