The Ramsey Show

Don’t Let Toxic Money Situations Keep You Trapped

Jan 8, 2025
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ADVICE

Separate Finances

  • Avoid shared credit cards with unmarried partners.
  • This creates financial entanglement and potential liability for debts you didn't incur.
INSIGHT

Debt as a Product

  • Debt is a marketed product, not a necessity for life.
  • A credit score is primarily needed for acquiring more debt, not for essential living.
ADVICE

Helping Family with Finances

  • Don't lend money to family members if you're struggling financially.
  • Offer budgeting help instead of enabling their financial mismanagement.
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