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

Joining me today is Ramsey personality, Dr. John Deloney.

Today's question comes from Chad in Utah.

My wife has been diagnosed with disassociative identity disorder, otherwise known as multiple personalities.

Too often when she goes shopping,

some of her younger identities come up and she ends up spending money that we just don't have.

Then she gets home and feels bad about her purchases, but is too ashamed to take things back.

We are in Baby Step 2 and working toward getting our debts paid off, but it's going extraordinarily

slow because of this.

My question is, what advice would you have to help curb the spending?

Aside from simply taking over the money, I just don't know what else to do.

You got to simply take over the money.

Yep.

You've got to take the debit card out of her hands. You'll have to when she is in what I would call, when she's got her central state,

when her central identity is running the show, you've got to make sure that she turns

over all of her spending and your job is now to go to the store.

You're working with someone who's not fully well and until she can integrate some of that

and that's a hard long process

you're going to be running the show when it comes to the money yeah she is not um if we were to

if you if say someone has dementia as an example they are of diminished capacity right from a legal

standpoint and so you could take

your, your grandpa into the judge with the docs letters and say, grandpa's of diminished capacity,

...