The Ramsey Show Good Intentions Aren’t Enough—Be Intentional With Your Money
Dec 23, 2025
Discover the complexities of financial relationships as hosts discuss locking out a spouse from savings. Learn why mortgage debt can sometimes be acceptable while car debt often isn't. Hear about managing family obligations without sinking into debt, and the importance of avoiding financial enablement in partnerships. They also tackle the impact of vacation planning on emergency funds and emphasize that money problems often stem from personal behaviors, not just circumstances.
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Get On The Same Financial Page
- Reset financial communication by using I-statements and agreeing on big purchases beforehand.
- Combine ownership and make joint decisions to prevent surprises and resentment.
Stabilize Business Cashflow First
- Prioritize paying vendors essential to keep your business running and negotiate payment plans.
- Save then settle high-cost lenders and family debts later while restoring cash flow and bookkeeping.
Protect Emergency Savings Over Vacations
- Rebuild your emergency fund before funding discretionary expenses like a large family vacation.
- If funds are limited, plan an affordable, creative trip and involve the kids in planning.