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

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

Brock is in Lincoln, Nebraska.

Hi, Brock.

Welcome to the Ramsey show.

Hi, David and John. Thank you for taking my call.

Sure. What's up?

So I'm 20 years old. I'm recently engaged.

Congratulations.

Thank you. Me and my fiance are both blessed to have parents who taught us financial wisdom.

And we both obviously save and budget separately since we're not quite married yet.

But my question is, we both have a pretty good chunk in our savings.

Mine's in almost unusual funds.

Hers is just in a savings account.

Way to go. We want to buy a house. We want to buy a house before we get married,

but we don't know how to do that because our finances aren't combined yet. We don't know

if you would recommend doing that a month before we're married or a week or after the wedding.

So that's kind of my question today.

Okay.

Well, you're probably not going to like my answer.

If I woke up in your shoes knowing what I know as an old guy,

I'm going to tell you to be married a year before you close on the house.

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