The Ramsey Show Highlights Should I Let My Girlfriend Pay Off My Debt?
Sep 27, 2025
A caller grapples with whether to let his girlfriend tackle his $35,000 debt, sparking a lively debate on relationship dynamics. Experts warn against financial entanglements before marriage, highlighting potential power imbalances and complications. Practical alternatives for managing debt are discussed, emphasizing the importance of maintaining financial responsibility. The hosts stress the rule to avoid major purchases with unmarried partners to prevent future regrets. Valuable insights on anticipating worst-case scenarios wrap up the conversation.
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No Debt Relief Before Marriage
- Do not let someone pay off your dating partner's debt until you are married.
- Accepting large financial help before marriage changes relationship dynamics and creates obligations.
Ask For Support, Not A Bailout
- Ask for the practical support you need rather than accepting money that creates obligation.
- Suggest visits or smaller concrete help (airfare) instead of a large payoff to keep fairness and independence.
Money Changes Relationship Dynamics
- Large gifts or loaned money change the tone and expectations of a relationship.
- Financial entanglement creates power dynamics and future conflicts if the relationship goes sideways.
