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Live from the headquarters of Ramsay Solutions, broadcasting from the pods, moving in storage

to the studio. It's the Ramsay Show where we help people build wealth, do work that they love and create actual amazing relationships.

It's a show about your life in your mind. Jade Washall Ramsay Personality is my co-host today as we answer your questions about life and money, open phones at triple 8, 825-225.

CJ is starting off this hour in Chicago. Hi CJ, how are you? Hi thanks for taking my call guys. Sure, what's up?

I'm 38 years old, my wife's 34. We have an artichoke home income, it's about $120,000 a year.

I've been, well, we've been working on paying all $57,000 in debt for the last six months or so and my wife's 6 months pregnant.

So I've been kind of saving money since we found out and come to find out she racked up $50,000 in credit card debt that I wasn't aware of and I'm terrified and I don't know what to do.

In the last six months? No, this has actually been going on for longer than that. I think it got worse since she became pregnant by and baby stuff and I don't know what I was going through her head.

But yeah, I'm scared.

Okay, let me make sure I get the entire picture. Okay. She knew in YouTube, we're having conversations that you're trying to pay off $57,000 in debt.

Yes. And you're watching to do that. Meantime, she's buying things and so she was lying to you. Yeah, by not telling me she was lying. Yeah.

Wow. Purposefully hiding it. That's like deception. Correct. Yeah. Terrified is probably not the right word to describe your emotions. Yeah, that's accurate.

When you confronted her, what happened?

She immediately came clean and started crying and she I mean she feels bad about it. She knows she was in a wrong.

I told her that I can forgive her if she picks right steps to clean this up with me. And I mean with her being about to have a baby in a few months, I told her I will work as much over time as I can. Luckily it's available to me.

Did she tell you about it or you found out about it and confronted her because that's a cheap thing here. Yeah, predator. How'd you find it?

I had someone call me wanting us to refinance our mortgage and they were going through a credit report. And when he told me how much debt we had, I told him he was wrong because it was $50,000 more than what I thought we had.

And then he went through and told me what it was and that's when I confronted her and she can clean.

So let me back out and let me pan out just a minute here. And then we'll get to what to do tactically with the money stuff in a little while.

Having done what I do for 30 plus years, what we've discovered is that this is first and foremost a breach of trust.

Right.

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