This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Christy Wright.

Today's question comes from Adam and Alabama.

My wife and I have two sides to our business.

One is catering and the other

is full service restaurant. We started these businesses three years ago and they are debt-free.

With COVID still prevalent, we have taken a significant hit with low sales, supply chain issues,

and staffing problems. My wife ties her identity and self-worth to the success of this business, but I would be glad to close it down.

She wants to take a loan to keep us afloat, and I'm not in agreement with this plan.

Should I hold on and struggle and even go into debt?

I know the answer is no, but how can I do it on my spouse is against me and afraid of the future?

Well, there's a lot going on here.

A lot.

I mean, the obvious is you and your spouse need to get on the same page regardless of

what you do and you know, Adam, that we're never going to tell you to take out a loan.

But even if you don't take out alone and even regardless of what path you take with a business,

you still need to get on the same page with your spouse you and your wife need to get on the same page of

the vision get to the root of what her fears are what she's struggling with and so on the other thing is

just from a business standpoint i can't help but uh want to dig into that and go okay what's the real

problem yeah you may be having some struggles and yes,

some of it is COVID, but is there a way to say, okay, we're going to maybe shut down the restaurant

and go all in on catering? Or maybe we're going to downsize a little bit, scale back to where,

...