The Ramsey Show Highlights My Wife Is Spending Too Much And Won't Pay Off Debt
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Dec 14, 2025 Cody, a caller grappling with financial chaos, shares his story of $35,000 in medical debt and a $50,000 vehicle purchase that has left his family struggling. He discusses the strain on his marriage due to their spending habits and dwindling savings. The importance of communication about finances comes up as he contemplates creating a joint budget with his wife. Insightfully, the discussion reveals underlying issues and how budgeting together could potentially mend not just their finances, but their relationship.
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Medical Debt And A Costly Vehicle Purchase
- Cody describes $35,000 in medical debt after a child was in the ICU and recent reliance on Medicaid.
- He and his wife bought a $50,000 vehicle and now struggle paycheck-to-paycheck with $7,000 in credit card debt left.
Schedule A Joint Budget Meeting
- Sit down together and build a budget so you both agree on where money goes instead of one-off confrontations.
- Make the conversation about your fear and desire for unity, not accusations, to get cooperation from your spouse.
Show Concrete Numbers To Frame The Problem
- Track savings changes and show exact numbers so your spouse sees the impact of spending decisions.
- Use specific figures (e.g., dropped from $20,000 to $5,000) to ground the conversation and prompt action.