"Should I Open Up A Secret Bank Account to Protect Myself?"

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 5 December 2025

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:07.1	Start budgeting for free today.
0:13.9	Normal is broken. Common sense is weird, so we're here to help you transform your life.
0:20.0	From the Ramsey Network and the Fair Winds Credit Union Studio, this is The Ramsey Show.
0:25.4	Thanks for joining us.
0:26.4	I'm Dave Ramsey, your host, Rachel Cruz, Ramsey Personality, number one, bestselling author, co-host of Smart Money Happy Hour.
0:32.6	My daughter, she's my co-host today.
0:34.9	Open phones at AAA 825-5-225.
0:39.0	Sadie is in Vancouver.
0:40.5	Hi, Sadie.
0:41.0	How are you?
0:42.4	Good.
0:43.0	How are you?
0:43.6	Better than I deserve.
0:44.7	How can we help?
0:47.2	So I have a bit of an odd question.
0:49.2	I'm wondering if I should open up a secret bank account without my husband knowing in case of an emergency.
0:58.8	What kind of emergencies do you see happening?
1:02.9	Sorry, I'm pretty nervous.
1:05.9	We overspend a lot each month and I'm really trying to keep our payments down on things but most of our
1:23.0	overspending comes from him and we have a difficult time talking about finances. I mean, we're
1:30.8	getting better at it, but it's still not where it needs to be at all. For example, two months
	...

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