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

Joining me today is Ramsey Personality Anthony O'Neill.

Paul is in Atlanta.

Hey, Paul, welcome to the Ramsey show.

Dave, Anthony, thank you for taking my call.

Sure.

I have a question.

I was going to see if you two could provide me with some guidance.

I got married just a couple months ago.

And I had a home that, well, thank you.

I had a home that I previously or just shortly before a marriage I bought.

Well, my wife has wanted me to add her to the deed here and put her as a co-owner but she doesn't want to

be added to the mortgage and my thinking is if someone's going to be on a deed then they also need

to be on the mortgage and we're kind of trying to debate this out I want to be fair she's worried

that if something would happen if I don't know if something wouldn were to happen, that she would have to leave the home.

And like I said, I want to be fair. I just don't know the right thing to do.

Okay. Well, to start with being added to the deed and not being out of the mortgage doesn't matter.

You still have to pay the mortgage if you die.

I think it's what I'm worried about is if we were to, in that case of God forbid a divorce would happen,

I would be left holding a mortgage and then someone would have, you know, an ownership or an equity in my own.

No, that's not how it works because in a divorce, they divorce.

Whether you have, whether your wife's name is on the deed or not, she's got marital

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