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The Ramsey Show

More Payments = More Problems

16 Nov 2023

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What is discussed at the start of this section?

29.9 - 47.725 Rachel Cruz

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I am Ramsey Personality, Rachel Cruz, hosting this hour with my good friend and best-selling author, Ramsey Personality, Dr. John Deloney. And we're here to answer your questions.

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47.765 - 60.832 Rachel Cruz

It's a free call anywhere in the country at 888-825-5225. So call in and we'll chat about what's going on in your life. So first up, we have Tiffany in Vancouver. Hey, Tiffany, welcome to the show.

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Chapter 2: How does mental illness impact marriage dynamics?

62.235 - 62.857

Hi, thank you.

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63.217 - 64.48 Rachel Cruz

Absolutely. How can we help?

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66.468 - 78.322

So I have a question for Dr. John. I've been listening to the show, to his podcast lately and just really finding his advice and questions helpful.

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Chapter 3: What strategies can help manage marital expectations?

78.843 - 102.542

And so my husband struggles with some mental illness and that obviously impacts our marriage. We've been married for about 20 years and he suffers with bipolar, depression and anxiety. The first 10 years were pretty rough because he was just kind of being diagnosed and trying to find the right medication and treatment and all of those things.

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Chapter 4: How can couples navigate personal interests in a relationship?

103.763 - 122.648

But there's been an improvement and continues to be improvement. But I'm kind of just getting to the point of really feeling the impact of it on our marriage, even more so because I'm in a, I don't want to say a better place, but like in a place where I'm realizing kind of what's important to me.

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123.252 - 150.88

um so some like some of the ways that it impacts is like I'm very outgoing I'm social I like you know traveling and doing different things uh he does not like he he doesn't really leave our house a lot um he doesn't really enjoy socializing he does go to like the important events that we have which I really appreciate that he pushes himself to do that because I know he doesn't enjoy it and he kind of struggles to be there um but I guess I'm I'm struggling with

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152.092 - 170.978

feeling disappointed and resentment, even though I know it's not him that's doing that. It's, it's the mental illness, but just kind of trying to figure out what's next. Almost like I can still do the things that I want to, but I want to be able to do them with him. And so it sounds like how to work through that.

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171.093 - 191.418 Dr. John Deloney

Yeah. I mean, it sounds like you had a picture of what your life is going to look like. And for 10 years of it, you were treading water and you're bailing water out of a boat with holes in it. And then you got a new boat, right? You figured out you got the meds regulated and it sounds like he's worked his butt off and you have too. And now you're kind of realizing, oh, this is it.

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192.739 - 195.042

Yeah. This is as good as it's going to get.

195.022 - 209.116 Dr. John Deloney

Well, I don't like to say that kind of that language because you're going to, you look at him and you keep saying he's got to grow, but you do too. But, but this is what it is right now. Right. And you see the trajectory of where you come and you see that you can, uh, you know, imagine a trajectory of where you're going.

209.956 - 237.111 Dr. John Deloney

Um, like my hard question for you is I'll say almost always, but in a significant number of times of conversations like this, you've met someone. Maybe you haven't cheated on anybody or anything like that, but you've met somebody that laughs at your jokes, tells you that you're beautiful, is hilarious, shows up, seems a little more stable. Is that the case here?

238.633 - 238.794

No.

239.194 - 243.581 Dr. John Deloney

Okay. So you're just looking at this thing, I love this man, but I really don't love my life.

Chapter 5: What is the importance of having an emergency fund during job uncertainty?

3377.54 - 3384.939 Rachel Cruz

Oh, yeah. I can just see you sitting in front of your fire just going, pa-rum-pa-pum-pum. No, no, no, no. It's not Little Gerber Boy I like.

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3386.142 - 3386.884 Dr. John Deloney

Who let the dogs out?

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3386.904 - 3390.593 Rachel Cruz

Nope. It's the same one with the little boy. Oh, shoot.

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3390.758 - 3391.459 Dr. John Deloney

A little boy.

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3392 - 3395.527 Rachel Cruz

Can you hear what I hear? Oh, that's a good song. Do you hear what I hear? That's what I was thinking. Yeah, yeah.

Chapter 6: How can I navigate a tough relationship while considering a job change?

3395.547 - 3396.789 Rachel Cruz

Okay. Speaking of Christmas.

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3396.809 - 3399.554 Dr. John Deloney

But a song where the main instrument's a snare drum, it's never going to work.

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3399.574 - 3400.015 Rachel Cruz

Never good.

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3400.035 - 3403 Dr. John Deloney

It's never going to work. Except at James Church. That's how y'all roll.

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3403.02 - 3415.098 Rachel Cruz

All right, so go ahead. The Ramsey Cash Giveaway is here, which means you can buy as many songs on iTunes as you want. If you win one of our $500 weekly prizes or the grand prize of $5,000.

Chapter 7: What are the implications of relying on public service loan forgiveness?

3415.158 - 3432.737 Rachel Cruz

So you can enter every single day at RamseySolutions.com slash giveaway. So again, you guys are giving away $500 a month. I mean, $500 a week and a grand prize of $5,000. Also, make sure to do your Christmas shopping at RamseySolutions.com slash store because we have a huge $12 sale going on.

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3432.817 - 3450.198 Rachel Cruz

This is the books, The Total Money Makeover, Baby Steps to Millionaires, Own Your Past and Change Your Future. Love your life, not theirs. Own yourself on your money. There's so much there. And even the Questions for Humans cards, the Christmas edition is back. It sold out last year. But you can get all these cards as low as $10 right now.

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3450.238 - 3457.708 Rachel Cruz

So again, any meaningful gift to give this Christmas, some Christmas gift ideas, go to RamseySolutions.com and check out our sale.

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Chapter 8: How should I approach financial decisions during a relationship conflict?

3458.509 - 3464.037 Rachel Cruz

Up next, we have Lucy. Oh, over the pond in London, England.

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3464.077 - 3466.781 Dr. John Deloney

She's in the sky with diamonds. What's up, Lucy?

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3466.801 - 3468.991 Rachel Cruz

Hey, Lucy. Oh, hi there.

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3469.071 - 3471.033

Thank you so much for taking the time to talk to me.

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3471.173 - 3473.455 Rachel Cruz

I am so glad. What time is it over there right now?

3473.475 - 3477.319

It's about 20 to 9. Oh, okay.

3477.399 - 3481.943 Rachel Cruz

So it's an evening listen right now for you, Lucy. So glad that you called in. How can we help?

3484.085 - 3514.752

So I initially thought I needed guidance on money advice. I'm going to a long and tricky divorce. But I think And it has been a long time trying to get divorced and arguing and just, yeah, it's kind of unraveled me. But I think what, I'm sorry, my throat is like, my heart isn't like my throat. No, you're good, you're good, you're good.

3514.772 - 3526.769

But I think what I actually need guidance with is how to make, have more confidence with decisions to know that however the divorce works out, I'll be okay.

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