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

Joining me today is Ramsey personality, Rachel Cruz.

Today's question comes from Whitney in Missouri.

I'm a saver, and my husband is a spender.

We set up a budget when we got married and included an allowance for each of us to help monitor our spending. He has been

reluctant and not a good follower of our budgets is having this allowance something that you

suggest. If so, how much should we allot for our personal spending and how do I fix

the issue of my husband going over

the set amount. Oh, man. Well, a couple things, Whitney, that stood out in your question.

We set a budget when we got married. So it's not like we said it last month. So I'm curious how

long the discussion has been, how long you guys

have been married? Because my encouragement would be that you guys talk about it every month.

And the allowance, is it a good idea? Yeah, the word allowance is always weird for me, but I

always say to have a personal line item in your budget. So for our family, for instance,

there's a Rachel line item. There's a Winston line item. Actually, our kids even have their own

line items now. So I just know, okay, when we're spending it, like this is, this is where it's

coming out of. And that amount is going to depend on your income and where you guys are in the

baby steps. So how do I fix?

Basically, how do I fix my husband? Well, Whitney, you don't fix your husband. I'm sorry. That doesn't,

it's not how it works. You do have to talk to him, not preach at him, but come at these conversations

in a way that you can express what is going on in you,

whether it's frustration, whether you're scared, whether you don't know what to do,

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