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The Ramsey Show Highlights

My Wife Is Spending Too Much And Won't Pay Off Debt

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5838 Ratings

🗓️ 14 December 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

brought to you by CHO, a budget-friendly faith-based alternative to health insurance.

0:07.6

CH Ministries.org slash budget.

0:10.1

So I got a little bit of financial problem as well as marriage problem, and it's becoming a strain more so you know with the marriage because of the

0:24.6

financial problem um i have we recently had gotten married about five years ago my uh wife and i have had

0:34.0

three kids in the last five years. And my youngest kid, um, he was put in the ICU and long story short, we have a bunch of

0:45.8

medical debt. Uh, it's about $35,000 worth and I just can't keep up. I just recently, in the last couple of years, we've been on Medicaid,

0:57.5

but I just recently got a raise working, which is good. But it's like the more income I come in,

1:06.7

the more my wife likes to spend. I'm the saver.

1:12.0

I like to say no and get bills paid.

1:16.2

We currently have been taking care of some of the medical bills by credit card, which

1:21.7

recently I figured out was a no-no.

1:24.1

Yeah.

1:25.2

So I have a seven grand left in medical debt. We have $60,000's it? Of the 35, you only have seven left? No, no. No, sorry. I have $7,000 of credit card debt. Got it. And I still have the medical debt. Got it. Okay. Because we have the three kids, we had to purchase, well, we didn't have to. I guess we could have just kept going, but my wife wanted to purchase a bigger vehicle for traveling and stuff.

1:53.5

What did you spend on that?

1:55.8

That was about $50,000.

1:58.1

Ooh, yeah, you're right. You didn't have to spend that. Okay.

2:01.1

Yeah. So, long story short, yeah, you're right. You didn't have to spend that. Okay. Yeah.

2:01.6

So, long story short, is that we messed up when we bought the car.

2:07.4

And now it's kind of a paycheck-to-paycheck repetitive thing.

2:12.5

When did you get the $50,000 vehicle?

2:14.5

How long have you had it?

2:16.2

It's been about a year.

...

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