It's Monday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Dr. John Belloni.

All right, today's question comes from James in Texas.

James writes, my wife and I pay our bills based on our income.

Good, James.

I earn more so we split the rent, 70, 30, go 50-50 on the electric bill, and I pay for cable, water, and internet.

When we moved into a new rental, she asked if she could hold off, God, I'm just going to finish this question.

She asked if she could hold off paying rent the first two months, and I agreed, what a saint.

The third month, she was late with her contribution, and now she's going to be late again this month.

I asked her to manage her paycheck and other debts so that she uses the second check of the month to save for rent and electricity to avoid being late and she got mad.

Was I...

She's a little late to the mad party.

I'm already there.

Was I wrong anywhere?

Yeah.

Everywhere, James.

Yeah, you were just wrong before the whole thing started.

100% James.

Every step of the way.

We both are going to smack you around.

Are you ready?

I was helping her manage her pay. What a saint. More responsibly because paying things late is a bad habit to break. You know what else is a bad habit? Being an idiot.

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