Brought to you by the Every Dollar app. Start budgeting for free today. Autumn is in Denver. Hi, Autumn. Welcome to the Ramsey Show.

Hi, Dave and John. How are you doing today? Better than we deserve. What's up?

So my husband and I have quite the conundrum. We've been together for 15 years, married for almost 13 of those. We love each

other very much and we'd love to stay married, but we feel like we've tried everything when it

comes to managing our finances and we just can't seem to agree. The last step that we have not

tried is divorcing our finances. So I'm calling to ask if we should divorce our finances.

What would that get you? Well, let me give you a little bit more background.

So we met at 21 and 24 respectively and had equal amounts of student loan debt.

So we both had about 20,000 each. So we decided the easiest thing to do would be combine our finances.

We were young.

We didn't have any assets.

So it just made sense.

So however, we both come from very different financial backgrounds.

And I tend to be on the offense and he tends to be on the defense.

And we both feel like we're pulling each other and dragging each other along on a path financially that we don't want to be on.

He was pretty steeped in fire, the financial independence retire early movement, and we prefer to spend less and retire very early.

He's 39. I'm 36 perspective.

He'd like to be retired tomorrow if he could.

And I prefer slower burn. I'd rather make smart decisions, found investments, and work harder, and earn more to achieve our goals, and lead maybe a more comfortable lifestyle.

So if he retired today, what will he do with the rest of his life?

Well, the things that he enjoys, he'd probably still make money, but that's always the question that I have asked. So he's built a life he doesn't enjoy?

Not necessarily.

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