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

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

David's going to start us off in Amarillo, Texas.

Hi, David.

How are you?

Pretty good, Dave. How are you? Pretty good, Dave.

How are you today?

Better than I deserve.

What's up?

Well, I have recently remarried about three years ago, and I was very near debt free.

And my wife, actually, we got with us. I told my wife before we got married, we weren't going to have any debt except the house.

And so anyway, on our first anniversary, I bought her a sleep number bed, which is very expensive, and I charged it.

Well, now she likes to spend money like it's made out of water.

Like there's an inlet supply.

And I can't get her to sit down with me and create a budget.

And I would really like to do the Financial Peace University with her.

But I just don't know how to get her to agree to those things.

Well, the first thing you don't do is say Dave Ramsey said, whatever, you've already did it, didn't you?

Yes, sir.

You turn me into a cuss word, man.

You whimp, you blamed it on me.

And the second thing is, you can't tell your wife, okay, this is going into my new marriage, this is going to be a key priority for us until the first big purchase,

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