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

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

Sarah is in Fresno, California.

Hi, Sarah.

Welcome to the Ramsey Show.

Hi.

Hey, what's up? Okay, hi. How are you two doing today? Great. How can we help? Okay, so in September, I applied for a mortgage forbearance,

and initially I did not tell my husband, and it went on until about this past July. I woke up in the

middle of night with anxiety, and God was pushing me to tell him, and so I talked to him about it.

We have not combined our incomes, and I'm just overwhelmed, and I don't know what to do at this

point. What about him made you feel like the best path forward for your safety was to lie to him?

Honestly, I just didn't want him to get mad and I didn't want him to know about my spending and I was going to

only let it go on for about a month or two so this this wasn't you being scared of of an abusive

guy or a frightening guy it was you hiding from him yes shame yes shame yes um at the endmber my my stepson passed away so i just

his son and so i just let it go because it was stressful time yeah okay so the house that

you and your husband live in you're supposed to be financially responsible for by yourself

um well well we i pay the mortgage and he pays the other, other bills.

But in this case, you don't pay the mortgage and he pays the other bills.

Yeah.

Are you not paying because you don't have any money?

Are you not paying because you spend out of control and you're not saving right?

Yes, that's it.

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