{"id":177767,"date":"2025-12-10T20:04:10","date_gmt":"2025-12-10T20:04:10","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/177767\/"},"modified":"2025-12-10T20:04:10","modified_gmt":"2025-12-10T20:04:10","slug":"shes-tired-of-her-husband-overspending-and-wants-a-secret-account-dave-ramsey-is-baffled-by-what-hes-spending-the-money-on","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/177767\/","title":{"rendered":"She’s Tired Of Her Husband Overspending And Wants A Secret Account. Dave Ramsey Is Baffled By What He’s Spending The Money On"},"content":{"rendered":"

A woman from Vancouver recently called into \u201cThe Ramsey Show<\/a>\u201d with a question that instantly raised red flags: Should she open a bank account behind her husband’s back in case of an emergency?<\/p>\n

A Marriage On The Brink Over Finances<\/p>\n

\u201cWe overspend a lot each month,\u201d said Sadie, explaining that while she’s trying to manage their finances, most of the problem comes from her husband. They’ve been married 10 years and consistently rack up debt on credit cards<\/a>\u2013$3,500 Canadian dollars ($2,500) over budget two months ago and CA$2,500 last month.<\/p>\n

\u201cWhere\u2019s this money coming from?\u201d personal finance expert Dave Ramsey asked. \u201cIt\u2019s all on credit cards right now,\u201d Sadie answered.<\/p>\n

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As the conversation continued, more troubling details emerged. Sadie revealed her husband used to have a serious drinking problem, which she caught early and he began working on. While that\u2019s improved, she said if he slips up, spending spikes again, especially on things like eating out and video games.<\/p>\n

\u201cWhat I\u2019m hearing is a very immature, very irresponsible little boy,\u201d Ramsey said. \u201cAnd you\u2019ve been trying to be his mommy for 10 freaking years.\u201d<\/p>\n

Sadie said she doesn\u2019t feel safe financially. Her husband handles all of the income while she stays home with their three kids, only receiving a child tax benefit<\/a>. Despite their efforts in marriage counseling, she admitted the sessions haven\u2019t helped much so far. \u201cWe have a difficult time talking about finances,\u201d she said.<\/p>\n

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Co-host Rachel Cruze said that it wasn\u2019t just the spending, but the fact that they can\u2019t even talk about it that makes it worse. \u201cThat makes me nervous,\u201d she said. \u201cThese are things that end marriages.\u201d<\/p>\n

Ramsey advised her to stop his access to credit cards immediately and cut off spending channels. Opening another account was fine, as long as Sadie was honest about it and used it to control the damage.<\/p>\n

Both hosts stressed that the current pattern isn\u2019t sustainable. \u201cThis is deteriorating before your very eyes and we may see it more clearly than you do,\u201d Ramsey said.<\/p>\n

They encouraged her to seek support from friends or community and start thinking seriously about what she would do if the marriage doesn\u2019t survive. \u201cI don\u2019t think we\u2019re overreacting,\u201d Ramsey told her. \u201cI think you\u2019re underreacting.\u201d<\/p>\n

\u201cHaving the three kids and thinking what\u2019s my exit plan if this were the case,\u201d Cruze said. \u201cI mean, that is so scary and overwhelming to even think about.\u201d<\/p>\n

Read Next:\u00a0<\/p>\n

Image: Shutterstock<\/p>\n

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This article She’s Tired Of Her Husband Overspending And Wants A Secret Account. Dave Ramsey Is Baffled By What He’s Spending The Money On<\/a> originally appeared on Benzinga.com<\/a><\/p>\n

\u00a9 2025 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"A woman from Vancouver recently called into \u201cThe Ramsey Show\u201d with a question that instantly raised red flags:…\n","protected":false},"author":2,"featured_media":177768,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,30383,3205,246,111,139,69,244,245,63870],"class_list":{"0":"post-177767","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-credit-cards","10":"tag-dave-ramsey","11":"tag-finance","12":"tag-new-zealand","13":"tag-newzealand","14":"tag-nz","15":"tag-personal-finance","16":"tag-personalfinance","17":"tag-the-ramsey-show"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/177767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=177767"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/177767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/177768"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=177767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=177767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=177767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}