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The Ramsey Show

You Don’t Need a Raise, You Need a Plan

19 Mar 2025

Description

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan ✅ Help us make the show better by taking this short survey! Rachel Cruze & Ken Coleman answer your questions and discuss: "My new husband and I both have major trust issues when it comes to money," "We are $25k upside down on a truck," "Should I rent a studio to my parents?" "How we can remain content while renting over the next 24 months?" "How do I protect myself if I move in with my boyfriend?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Sign up for a free training with our EveryDollar team! 🤓 File your taxes with 100% accurate software that’s 20% of the price. 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you 🛒 Preorder Build a Business You Love Now at Ramsey Solutions Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership 💸 The Ramsey Show Highlights Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Audio
Transcription

Full Episode

0.209 - 12.996 Dave Ramsey

Hey guys, Dave Ramsey here. Me and Dr. John Deloney are coming to a city near you on the Money and Relationships Tour. It's happening soon, so don't wait. Get your tickets at ramseysolutions.com slash tour.

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27.777 - 45.261 Ken Coleman

This is the Ramsey Show, where America comes to win with your money, win in your profession, and win in your relationships. Thrilled to have you with us. 888-825-5225 is the phone number. Rachel Cruz joins me today. I'm Ken Coleman, and let's get right to it. Are you ready to roll?

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45.382 - 47.182 Rachel Cruze

Let's do it. Answer these questions.

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47.242 - 51.043 Ken Coleman

Christy is up first in Kansas City. Christy, how can we help today?

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53.024 - 80.565 Christy Sue

So I was just wondering how you guys would handle this. My husband and I are newly married about six months. We were both previously married. I was married for 26 years and he was married for seven. And both of us through our relationships, it's like we both had financial infidelity by our partners. So I found out that my ex-husband had been lying to me about money for well over 15 years.

81.486 - 109.905 Christy Sue

And then his ex-wife, she left him and then tried... He's a farmer, so they have a large farm, and she tried to take the whole farm. So there's been a lot of infidelity there on the financial side. So both of us have these deep fears of combining finances from... you know, previous relationship. We don't know how to handle moving forward financially together, biblically speaking.

109.925 - 113.208 Ken Coleman

What do you mean, biblically speaking?

114.248 - 132.628 Christy Sue

Well, I know from listening to your guys' podcast, you say the two shall become one, and that includes finances. And there is just a lot of fear there with combining and afraid that you're going to get what you got before and that you're going to find out, oh, my gosh, this person who I was supposed to be able to trust was lying to me.

133.088 - 142.932 Christy Sue

And then his side of the fence is, well, if I open up to her and I tell her what's actually going on with finances, she's going to mess me over and take me to the cleaners again.

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