brought to you by the Every Dollar App. Start budgeting for free today. So the last two years I've come, I've been coming out of post-partum professions. I had a couple of credit cards that I let go because I, well, I was also not working and I couldn't pay them.
My husband and me, we do not, we do finances separately. I know a lot of your listener, they, you know, they might be doing things together, but me and my husband have always done things separately. So he's dead, he's dead, he's dead, he's my dead, he's my dead. That's wrong, he's gonna do that.
And I don't disagree with you, but getting my husband on board for anything is always very difficult, so. Wow. But I have two credit cards that I could not pay while I wasn't working. And one of them in particular has been sent to a lawyer and I, like, they're knocking on my door.
They're serving you with lawsuit paper. Exactly, so I have, I mean, our debt is considerable considering we have, you know, we have a rental house, we have our, our primary- I'm going to ask credit card debt that you have that we're talking about. The credit cards that I'm most concerned about, it's about 20K. Okay, what is your husband making?
What do you make? So I just started working again, all probably been making anywhere from 70 to 100, just, but it's not, 100 isn't guaranteed a bonus. Gotcha. And then, same, about the same.
How much other debt do y'all have in the house? How much other debt, other than the house? Do you have, no, no, yeah, I don't know, do you have more card debt, or does he have other debt that he has in his name or what? Well, his, yeah, it's his name, like he has a credit card that I have my credit card.
I know, I don't know. I don't know. So we'll call this together with a credit card, which is credit card, or well, if I were to combine both of them, it's 12, 13 cards, or 1300 a month. I know, that's bad.
What's the total loan amount? Total loan amount for the... Your car in his car? My car in his car is 11, 11, 28, 11, 30 a month.
No, I'm saying the total loan amount, is it $50,000 left on this loan? Oh, no, no, no, no, no, no. I have, we both have about $28,000 left on the cars. Okay, so you're around $100,000 in debt as a couple not counting your house, and you make some around $200,000 a year as a couple.
And you have rental with a mortgage on it. Yes. Okay, and your how old, huh? 38.
And you have a baby, and do you have other children? Uh-huh, seven-year-old. Okay, all right. And you've just come through two years of really tough postpartum.
Yes, sir, sir, yes. All right, you're the same age as my daughter, who has three kids, okay? And I think what your husband is doing to you is abusive. As your dad, I don't appreciate it.
The way he's treating my daughter. I'm pretty pissed at him right now. He makes a baby, his wife is in postpartum, and his answer to it is go figure it out chick. You're on your own.
We have our finances separate. I heard that they said, for better or for worse, in sickness and in health. I bet by God, when he has the flu, we want you to make him soup. Yes.
So this is the core of it. You don't have a $20,000 credit card problem. You have a very serious issue in your relationship. And you guys have walked along, you've walked through the forest with your hands over your ears going la, la, la, la, la, acting like nothing happened until something happened.
And now the situation that you're in is revealing how terrible your theory on handling money is. So the two of you need to sit down together and rethink your marriage. And say we're gonna love each other in sickness and in health. We're gonna love each other for richer, for poorer.
We are mommy and daddy. We are husband and wife. We take care of each other. It's us against everybody else.
You're not on your own. This is not a joint venture. It's not a partnership. And so you really guys, you've really got a serious, rethink your theories on relationships because they're broken and they're wrong.
And it's caused you to be in a situation where your soul is unraveling. I can hear the fear and even almost a sense of shame in your voice and you didn't do anything wrong other than as a couple, you've run up to step. So if someone had abandoned my daughter while she's in Paul's postpartum to her own devices who was supposed to be her husband, who was supposed to love her and care for her, he and I would probably be having a discussion about that and it wouldn't be pleasant. Cause it's not fair and it's not right.
The way you're being treated is wrong. And I'm begging you to no longer accept that is okay. So cause instantly when I take a $200,000 income I can clean up $100,000 worth of card debt and credit card debt when we're working together in a unified front. How fast can we pay off $100,000?
I can do $200,000. Well, 18 months max. This thing's gone. It could be 100% debt free.
And yet we have service people, people serving warrants at your door and you have a baby and there's no excuse. You're not broke. Y'all are just broken. It's just to see my wife drowning emotionally with postpartum financially, with lawyers at the door and I go, well, it's her debt, it's her problem.
Yeah, right now, I'm either here to see you. What kind of man does that? I don't know if I can call the man. That's real generous.
There we go. Whew. There we go. So it's a crisis folks.
It's a problem. I'm sorry, hun. We love him. We love him but we're right.
The box is here is right now. That's an old southern term. But anyway, not even sure what it means but somebody's getting me to get in the ear I guess. But anyway, obviously, I don't know what box your ears is that even mean?
I don't even know what that means. Adding that to my day one. I had my ears threatened to be boxed several times. I'm still trying to figure out what, trying to find my, you couldn't find his butt with both hands.
You never explained that one to me. Well, that's like southern riddles. I gotta figure it out. It's some means you're pretty limited on your abilities.
What's that mean? That explains it. It explains itself. Oh, F.A., I'm sorry, hun.
But you guys really, if you guys, you understand the math in your situation is easy. It's a hot knife, the butter. You can fix this very quickly when you fix the reason that it's caused, what caused it. The problem, the people showing up at your door are not the problem, they're the symptom.
And I would even go so far as to be so bold as to say, it has contributed to your postpartum, your depression. And so it certainly didn't make it easier at a minimum. No question about it. The sense of abandonment and your entourage.
Now, it's not how this works. So if you guys want our help, we would be honored for you to go through our classes. I'll put you on hold. And if you want to sign up, I kind of don't think your husband wants to sign up with anything right now if I just finished with him.
But I'm okay with that too. Pissing people off like one of my spiritual gifts. Because folks, I love you. And we're gonna do one thing around here.
We're gonna love you enough to tell you the truth. This is the Ramsey Show. Create your free every dollar budget today, the simplest way to budget for your life.