Stop Excusing Debt as a Dream | Aug 26, 2025
Dave Ramsey & Dr. Delony discuss financial disagreements in marriage and when to consider separation. 💡

The Ramsey Show
97.5K views • Aug 26, 2025

About this video
Dave Ramsey and Dr. John Delony answer your questions and discuss:
- "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"
- "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."
- "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"
- "Was taking out a $100,000 loan to buy cattle a bad idea?"
- "What should I do with my stock that has grown to $1.8 million?"
- "Should we accept a $100,000 gift from my parents?"
- "What's the best way to invest?"
- "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"
- "Is this trend of people selling their houses for RVs healthy?"
- "How do I repair my marriage and get out of debt?"
- "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"
From Today's Episode:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
Helpful Resources from Ramsey Solutions:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb
💵 Start eliminating debt for free with EveryDollar - https://ter.li/e1h2jj
🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft
📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne
Connect with our Sponsors:
- Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us
- Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio
- Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey
- Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
- Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/
- Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
- FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey
- Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com
- Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com
- Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey
- Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
- Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h
🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g
🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa
💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
📈 EntreLeadership ⮕ https://ter.li/proqeb
Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy
Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5
- "My wife and I aren't on the same page financially. At what point should I open a separate bank account that I can manage?"
- "I feel insecure only having $1,000 in my emergency fund while I'm in Baby Step 1..."
- "My husband hid credit card debt from me again. How do I protect myself from his out-of-control spending?"
- "Was taking out a $100,000 loan to buy cattle a bad idea?"
- "What should I do with my stock that has grown to $1.8 million?"
- "Should we accept a $100,000 gift from my parents?"
- "What's the best way to invest?"
- "I'll be graduating med school with over $200,000 of student loan debt. How do I pay them off while investing in a Roth?"
- "Is this trend of people selling their houses for RVs healthy?"
- "How do I repair my marriage and get out of debt?"
- "Should I confront my mother about using my 529 to pay for an exchange student's college instead of my tuition?"
From Today's Episode:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
Helpful Resources from Ramsey Solutions:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan - https://ter.li/p3qkzb
💵 Start eliminating debt for free with EveryDollar - https://ter.li/e1h2jj
🏘️ Find a Ramsey Trusted Real Estate Agent- https://ter.li/gmulft
📊 Free Tools & Resources to Help You With Investing – https://ter.li/st2jne
Connect with our Sponsors:
- Stop paying more and start shopping smarter at ALDI ⮕ https://ALDI.us
- Get 10% off your first month of BetterHelp ⮕ https://www.betterhelp.com/RamseyRadio
- Go to Boost Mobile to switch today! ⮕ https://www.boostmobile.com/ramsey
- Learn more about Christian Healthcare Ministries ⮕ https://www.chministries.org/budget
- Get started today with Churchill Mortgage ⮕ https://www.churchillmortgage.com/
- Get 20% off when you join DeleteMe ⮕ https://www.joindeleteme.com/Ramsey
- FAIRWINDS Credit Union exclusive account bundle ⮕ https://www.fairwinds.org/ramsey
- Find top Health Insurance Plans at Health Trust Financial ⮕ https://www.HealthTrustFinancial.com
- Use code RAMSEY to save 20% at Mama Bear Legal Forms ⮕ https://www.MamaBearLegalForms.com
- Visit NetSuite today to learn more ⮕ https://www.netsuite.com/Ramsey
- Call 844-2-RAMSEY to get started with YRefy ⮕ https://www.Yrefy.com/Ramsey
- Visit Zander Insurance for your free instant quote today ⮕ https://www.zander.com/
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights ⮕ https://ter.li/tp4w1h
🧠 The Dr. John Delony Show ⮕ https://ter.li/9l5k9g
🍸 Smart Money Happy Hour ⮕ https://ter.li/dre4oa
💡 The Rachel Cruze Show ⮕ https://ter.li/roya3c
💰 George Kamel ⮕ https://ter.li/2ma765
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/pz4wbn
📈 EntreLeadership ⮕ https://ter.li/proqeb
Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy
Products:
Breaking Free From Broke: https://ter.li/erxgtw
Baby Steps Millionaires: https://ter.li/lc5vki
Build a Business You Love: https://ter.li/gqi49q
Better Than I Deserve YETI® 20 oz. Tumbler in Blue: https://ter.li/k3f3xj
Get Clear Career Assessment: Find the Work You’re Wired to Do: https://ter.li/5x7gbn
Total Money Makeover: https://ter.li/0rvomx
I’m Glad For What I Have by Rachel Cruze: https://ter.li/1wo64p
Smart Money Smart Kids: https://ter.li/jyghza
EveryDollar Premium Version Physical Gift Card: https://ter.li/36f9b6
Questions for Humans: Intimacy https://ter.li/jcaqu4
Money’s Not a Math Problem Quick Read: https://ter.li/cykbq5
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Video Information
Views
97.5K
Likes
1.8K
Duration
02:04:52
Published
Aug 26, 2025
User Reviews
4.7
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