Chapter 1: Was I right to break off my engagement because of bad money habits?
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Normal is broke and common sense is weird. So we're here to help you transform your life. From the Ramsey Network and the Fairwinds Credit Union Studio, this is The Ramsey Show. I'm George Camel, joined by Jade Warshaw this hour. The number to call is 888-825-5225. It's your show. We're here to help you take the right next step for your life and your money. Brianna is with us in Minneapolis.
Brianna, welcome to the show.
Hi, thank you so much for having me today.
Yeah, absolutely. How can we help?
So I just have a question for you guys. So was I right to break off my engagement because of long-term money issues and bad spending habits? I've always been disciplined with saving and planning for money, but he struggled with overspending and staying employed. Now that he's moved out, I've taken on full financial responsibilities myself.
How can I stay on top of my bills while saving and protecting my future? Ooh, that was like 20 things in one.
Okay, we'll tackle the first part first. So were you right to break this off because of red flags that were not attended to that he clearly, this was a value you had. And this is a value every woman has is if I'm going to marry some guy, he's got to be able to do at least two things, provide and protect, right? That's the reason why we find a mate. Primally speaking.
And you're saying he can't provide for the future. This was red flags that this guy can't hold a job. He's going to continually go into debt, put us in a financial bind. Therefore, I'm out. And essentially, he opted out of this engagement by continuing these habits that you made clear. Am I hearing that right?
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Chapter 2: How can I manage my bills while saving for the future?
Yes. And that was primarily because he kept telling me that I needed a new car. What were you driving before? I was driving a Nissan Altima that needed quite a bit of maintenance. Got you. And what did you get? What did you? I got a 2025 Mazda CX-70. What do you owe?
Chapter 3: What are the red flags in a partner's financial habits?
I owe about 50 on that. Shoot. What do you make? I make about $100,000 a year.
That's a lot of car, even for your income.
Is that your only debt or you have more? I have about $15,000 in student loans, and then I have like $2,000 in credit card debt, but that's it.
Okay, here's my thing, Brianna. I was really team Brianna, and now the more I hear you, the more I go, I'm not sure you believe in your own principles because you wanted this guy to clean up his act financially while you were an accomplice to the crimes. So it's like, how am I supposed to take you seriously if I'm the fiance going, you really need to get better with your spending habits.
And then I'm over here financing a $50,000 car. You know what I mean?
Yeah. And it's difficult because he drives a BMW X4 M competition. That is really difficult. So it was just like, it's terrible to get a nice car.
Yeah. So you were trying to keep up with him and it's his fault.
It does seem like though, it was more, can I, I'm a ride on the fence on this. I hear what George is saying and he is not wrong. But the other part is I feel like you were more on the, why doesn't he have a job regularly side of things. Is that the fact that it will this guy be employed or will he be sitting on my couch all day when I come home? Is that, did I get that right? Yeah.
And that's kind of what it had been before too. So that's why I had asked him to move out. Because to your, I am playing devil's advocate here. I'm just, I'm just letting y'all know.
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Chapter 4: How should I approach financial responsibilities in a relationship?
Okay. I keep spending, it's almost done, but I'm probably about $10,000 away from having it completely finished. Do you guys have an allotted money that you get each month? Each of you? No, we both work. I know.
We're saying in the budget, is it like Jeremy's fun money, her fun money, and it's $100 each? What's the plan there? Or is it just Jeremy spends what he wants based on the parts he needs?
that's basically what's been happening okay i understand her frustration now it's just like you're spending like congress while you're trying to get out of debt and she's going this is going very much against the plan we agreed on so when you're saying you support her it sounds like you're like i'm a fan of her doing it but i'm not doing it yeah i think there's a middle ground that you can get to i think there's a middle ground what's the urgency for this uh car restoration
It's been 17 years in the works, and it's almost done, so I'm trying to finish it.
So what's 18 instead of 17?
Right. I get it.
What has stopped you, I guess, in the past of finishing this?
Just not working. I worked in the movie industry for a long time, and there's highs and lows, and when the highs are up, you make a lot of money, and it's great, and when the lows are there, you're living off savings for months. And it kind of forced me to choose to pay my bills or restore this car. And I chose bills. But now I'm at a point where we're,
Pretty much, we cover the bills every month. We're still putting into retirement. We have life insurance policies. We have all that stuff in place. Do you have debt? A little bit. How much? About $20,000 in credit card debt, but that's fairly recent. That's it? That's a lot.
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Chapter 5: What are the key points about managing debt and income?
And that's going to take getting the income up and getting rid of this debt. It's going to be a journey.
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Chapter 6: How can health insurance enrollment impact financial decisions?
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Tell me more.
I happened to pop on there and I saw you had a video with 14 million views.
Yeah, it got out of control. That's wild. So we did a man on the street. I love getting in the streets, getting in people's business, asking them questions about finances. And we happened to be in Orlando recently, and I said, let's go to Disney.
So we went to Disney Springs, and we asked people how much debt they had, and our team just clipped that on social media, and it blew up with a lot of feelings. I'm sure. And so I wanted to get your feelings about it and react to it in real time, if you're willing.
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Chapter 7: What lessons are learned from social media interactions about debt?
Because there's some trigger words in here that I think you'll have some thoughts on.
be honest is it weird to you that i saw like the little icon on social and i saw the views but i didn't actually watch the video it's hurtful but understandable you're a busy woman you don't have time to watch all my content okay i'll watch it i'll watch okay let's watch it along with america see what they have to say are you guys in any kind of debt right now
Mine's pretty minimal. I think a credit card and a vehicle, probably about 60. And that's minimal to you? No, it's a lot. What's left on the car loan? 53. What are you driving? A 24 Toyota Tundra. How about you? How much debt do you have? Probably 75,000. Credit cards and then a car loan as well.
What's your car loan?
Student loans, yeah. Like 60.
60? What are you driving? You rolled over negative equity, didn't you?
Yes, I did. Yes. Honda Pilot, 25.
What's your car payment?
$1,200.
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Chapter 8: How can one navigate financial challenges in relationships?
I probably have $100,000 in student loans.
Okay, add it all up in your head. I think we're doing this for the first time. How much debt do you have total, total, total?
I'm going to say at least $180,000.
Can you tell me, did you guys pay cash for the trip?
For half of it.
The other half is on what?
A Disney card.
Is it a Disney credit card? What do you get for putting it on the Disney card versus any old other card?
It has six months special financing, so there's no interest for like six months. Okay, so is your plan to pay it off in six months?
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