The Ramsey Show Highlights "You Have a Horrible Husband"
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Nov 13, 2025 In this episode, a worried wife grapples with her husband's compulsive spending habits. She seeks advice on safeguarding their down-payment savings after he depleted their emergency fund. Dave offers practical solutions, suggesting she move funds into her name and discusses the legal implications of shared finances. He emphasizes freezing credit to prevent potential fraud and stresses the importance of marriage counseling to address their underlying issues. A candid conversation about finances and relationships unfolds, providing guidance and hope.
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Spending Abuse Puts Marriage And Goals At Risk
- Unchecked compulsive spending can threaten both the marriage and shared financial goals like a home down payment.
- Protecting assets and getting professional help are linked steps toward either reconciliation or separation.
Secure At-Risk Savings Immediately
- Move the down-payment money into a new bank account in your name only so he cannot access it temporarily.
- Bring the money back into the marriage only after you determine the relationship is healthy and stable.
Gaslighting Derails Financial Accountability
- When a partner gaslights and redirects blame, it escalates conflict and prevents resolution.
- Recognizing those patterns clarifies that the problem is the behavior, not the person raising concerns.