The Ramsey Show Hard Decisions Now Prevent Harder Consequences Later
Jan 6, 2026
Navigating financial relationships can be tricky; a couple's dispute over moving showcases the need for counseling. The hosts tackle the pitfalls of corporate credit cards and advise caution before becoming an authorized user. When dealing with student loans taken out in one's name, boundaries are essential. They discuss the challenge of homeownership amidst rising prices and share strategies for tackling debt, even with a hefty pay increase. Finally, they emphasize thoughtful financial planning before marriage, ensuring partners align on money matters.
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Save The Marriage First
- Prioritize saving your marriage over fixing a house decision that caused conflict.
- Pay for marriage counseling immediately and stay with it until you resolve core issues.
Be Careful With Corporate AmEx
- Avoid signing as liable on an American Express corporate card.
- If possible, ask the employer for a company debit card or a Visa/MasterCard authorized-user arrangement instead.
Keep Business Savings Separate
- Keep a separate retained-earnings savings for your business using a percentage of net profit.
- Keep business savings distinct from personal emergency funds and house-payoff plans.
