Video není dostupné.
Omlouváme se.

My Spouse’s Spending Is Crippling Our Finances

Sdílet
Vložit
  • čas přidán 11. 01. 2024
  • 💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
    📱Download the Ramsey Network App ⮕ ter.li/ajeshj
    🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
    📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
    Explore More Shows from Ramsey Network:
    🎙️ The Ramsey Show ⮕ ter.li/ng9950
    🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
    🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
    💰 George Kamel ⮕ ter.li/1elws8
    💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
    💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
    📈 EntreLeadership ⮕ ter.li/ktxv2k
    Ramsey Solutions Privacy Policy
    www.ramseysolu...

Komentáře • 238

  • @JustinCase780
    @JustinCase780 Před 7 měsíci +69

    Yes, easy to summize that he's a loser and they should get divorced from a three sentence email. 😂

    • @DudeMuscle
      @DudeMuscle Před 7 měsíci

      Divorce is the last option… unless the woman’s not happy! 😂

    • @mrscmeier9570
      @mrscmeier9570 Před 7 měsíci +1

      Seriously, Dr. John is so over dramatic and character assassinates after listening to 5 sentences. I really don't like watching him.

    • @hadenanderson563
      @hadenanderson563 Před 2 měsíci

      Yes. It's either that or his 100 year old grandmother does more than the caller.

  • @Michael-ft9pm
    @Michael-ft9pm Před 7 měsíci +16

    Being single solves many of these problems.

  • @rebeccawcleung
    @rebeccawcleung Před 7 měsíci +15

    These 2 are too presumptuous... just calling husband a scumbag based on an email?

    • @stephenshelton4267
      @stephenshelton4267 Před 7 měsíci

      Boomers gotta boom.
      It's always the husband's fault with these two.

  • @ering7733
    @ering7733 Před 7 měsíci +13

    Ridiculous. Automatically saying he’s a scumbag and that he doesn’t care about her over this short email smh. Even dragging the Mama into the trash talk 🤦🏻‍♀️

  • @MrBertstare
    @MrBertstare Před 7 měsíci +8

    Imagine white knighting this hard after reading a single paragraph written by one party. Then calling him names.

    • @curiouscat3384
      @curiouscat3384 Před 7 měsíci +3

      And some people in the comments are incensed when we call him Dr. Baloney

  • @countryboy9131
    @countryboy9131 Před 7 měsíci +8

    John would believe a woman standing over a dead body holding a knife

  • @Richie2k6
    @Richie2k6 Před 7 měsíci +37

    If this was a man who wrote in the question, would Dr. John call the wife a scumbag? Or would he say she has trauma she needs to deal with and he needs to be supportive of her?

  • @edhcb9359
    @edhcb9359 Před 7 měsíci +24

    My sister says all these same things about her husband. But he provides pretty compelling arguments as to why it’s really my sister that is the problem. I’ll bet the same would be true here with this caller! 😂

    • @franziskani
      @franziskani Před 7 měsíci +1

      Yes but in THIS case the husband obviously does not even sit dow with her to make a budget. Which would pretty much show IF she is overspending as well. Also: both partners can have unrealistic expectations how much things cost. (usually that means groceries, men - if they never shop - expect a well filled fridge, good food but it shouldn't cost anything.
      Now she could go the rice and beans route (as a metaphore, but maybe he doesn't like it).

  • @alisons9740
    @alisons9740 Před 7 měsíci +3

    I’m a firm believer in the sanctity of marriage, but that bond comes with responsibility. This couple is clearly not a team. The head of household is not acting toward her peace of mind and future. She’s put in the work to sort it out and said it’s “futile”. Kudos to Dave & John for giving sound advise. Fix it or move on is accurate and fair.

    • @SandcastleDreams
      @SandcastleDreams Před 7 měsíci

      And what about the wedding vows they made to God? For better or worse?

  • @iPervy
    @iPervy Před 7 měsíci +8

    The last part of Deloni reciting marriage vowes rubbed the wrong way. He cites everything that the guy may not be fufilling but leaves out "for richer or for poorer" that the lady is going against.

    • @franziskani
      @franziskani Před 7 měsíci

      The poorer part means "Live happens" it is not for richer or irresponsible. or for richer or addicted. or for richer or an affair (that costs the cheating husband more money).

    • @iPervy
      @iPervy Před 7 měsíci

      @@franziskani You conflate. For better or for worse, and sickness and in health to rich/poorer. Those are part of the voews for a reason seperate from each other. Richer and for poorer means exactly what it means and thats monetary.

    • @mrscmeier9570
      @mrscmeier9570 Před 7 měsíci

      Good catch

    • @hadenanderson563
      @hadenanderson563 Před 2 měsíci

      Preach.

  • @Johnny5477
    @Johnny5477 Před 7 měsíci +13

    The email just doesn’t have enough information to make these kinds of generalizations.
    “What a scumbag.”
    Really? Like, maybe that’s true, but we don’t know what he’s spending his money ON. The solution might just be that they need more income.

  • @bryandelcid4065
    @bryandelcid4065 Před 7 měsíci +118

    John can be a total simp sometimes. Don’t just assume the guy is the problem, just like you wouldn’t assume the wife is the problem. I recall many saying, “if she’s overspending and the husband doesn’t know then it’s his fault.” Men don’t get a break I swear 😂

    • @flashthecorgi2053
      @flashthecorgi2053 Před 7 měsíci +11

      And he literally just told a email right now live on the show today with the same situation that the Woman was wrong for turning her head away and not participating in the finances. Some of the double standards y’all make up are just not true.

    • @blodus4521
      @blodus4521 Před 7 měsíci +8

      @@flashthecorgi2053 while I sometimes agree that John goes overboard. These guys are venting their anger at women through CZcams comments.

    • @Mr_Mcgee_
      @Mr_Mcgee_ Před 7 měsíci +8

      @@blodus4521 in fairness, John rationalizes / suggests divorce *way* too often. Often without even knowing the entire story.

    • @tunafishgaming2342
      @tunafishgaming2342 Před 7 měsíci

      I agree

    • @jonathansaindon788
      @jonathansaindon788 Před 7 měsíci +5

      @@Mr_Mcgee_he almost never suggest divorce. What are you smoking?

  • @luminous6969
    @luminous6969 Před 7 měsíci +70

    We all know that if the genders were reversed and the wife was overspending, John would say "what kind of life are you providing for her that she feels like she needs to escape from? What are you doing that's causing her so much distress that she needs relief from it by buying a bunch of stuff?"

    • @Chet_24
      @Chet_24 Před 7 měsíci +13

      For real. Then he'd tell the husband to get a second job so his wife can keep spending, and for him to be better. 😅

    • @Mr_Mcgee_
      @Mr_Mcgee_ Před 7 měsíci +9

      For some reason, John seems to always believe divorce is the answer. Nearly every video he makes he suggests divorce. It’s really disturbing, especially considering that Dave used to (almost) never suggest divorce as an option. I have trouble watching any videos where John takes the lead.

    • @luminous6969
      @luminous6969 Před 7 měsíci +1

      @@Mr_Mcgee_ That's cos she said that telling him she was scared didn't work, that's usually their go-to line, so if that doesn't work, then they assume he's fully checked out and the marriage can't be salvaged.

    • @BarMan670
      @BarMan670 Před 7 měsíci +2

      I was looking for this comment I was thinking that John is biased on men and I’m glad that I’m not the only one :D

    • @luminous6969
      @luminous6969 Před 7 měsíci +2

      @@BarMan670 Funny thing is, he HAS actually done this before.

  • @user-qi8kb1xl2f
    @user-qi8kb1xl2f Před 7 měsíci +19

    They really need to hear the husband’s side of this prior to passing judgement. I’m surprised Dr. Delony made assumptions and didn’t get the full story before passing judgment. Wow.

    • @blodus4521
      @blodus4521 Před 7 měsíci +2

      Yeah they should've found this random dudes email for his side

    • @Ja50nkAt
      @Ja50nkAt Před 7 měsíci +2

      Women always blow things out of proportions😂

    • @irishchocolate3872
      @irishchocolate3872 Před 7 měsíci +1

      Even the Bible says that someone seems right until they are cross examined. The information she gave is way too inadequate to make an accurate judgement.

    • @user-qi8kb1xl2f
      @user-qi8kb1xl2f Před 7 měsíci

      @@Ja50nkAt well, I’m a woman, and I think both sides should be heard. I’m not blowing anything out of proportion so you might want to re-think your opinion?

    • @mrscmeier9570
      @mrscmeier9570 Před 7 měsíci

      You're surprised? This is how he is with every call! I try to avoid watching calls he is on. And his comment on how HE WOULD NEVER act that way. Why is that relevant? So we can know you are superior to the husband, that you know nothing about, and that you are just hearing 1 side of the story on? He jumps to conclusions on every call and is always name calling and character assassinating people after hearing 5 sentences of a situation. So irresponsible.

  • @larrybarbee4916
    @larrybarbee4916 Před 7 měsíci +41

    I would separate my money before getting a divorce lol.
    Sometimes, people just need to have their own bank account. The trouble with Dave Ramsey advice, and it is great advice, is he makes it seem like it’s one size fits all. And that’s always the case. Personal finance is personal, sharing accounts works for some, but not for all.but I would separate my money and see what happens.

    • @ldv02
      @ldv02 Před 7 měsíci +2

      He’s said in some occasions than in cases of abuse or addiction or misbehavior do not combine finances

    • @SnifferSock
      @SnifferSock Před 7 měsíci +2

      This was literally suggested...

    • @larrybarbee4916
      @larrybarbee4916 Před 7 měsíci +3

      @@SnifferSock no he brought up divorce and marriage counseling lol.
      He doesn’t mention separating finances.

    • @blodus4521
      @blodus4521 Před 7 měsíci

      @@larrybarbee4916 he mentioned separating finances as the last thing people often do before divorce

    • @diannemc3179
      @diannemc3179 Před 7 měsíci

      I’d be gone!! Screw him

  • @sushimamba4281
    @sushimamba4281 Před 7 měsíci +5

    Incredible how they can call someone a scumbag and nudge someone towards divorce from a one paragraph email! They don't even know the couple's monthly income, expenditure, assets, debt and how much is being spent by the husband and on what. The far-reaching assumptions they make about the husband are ridiculous. It's outrageous. Definitely not 'biblical' to get the wife to consider divorce in this circumstance.

  • @mustangthings
    @mustangthings Před 7 měsíci +46

    Poor man. He doesn’t sound safe at all.

  • @robloxvids2233
    @robloxvids2233 Před 7 měsíci +7

    John's dream in life is to break up every marriage. What a weirdo. How is he a licensed therapist? He's not even practicing. He's an entertainer. A radio host. He's no more a practicing therapist than Joe Rogan.

    • @flashthecorgi2053
      @flashthecorgi2053 Před 7 měsíci

      You’re super ignorant if you think Delony’s dream is to break up marriages. Nothing in here did he say “divorce now” he said they are close to it because of the husbands action. Delony’s entire goal is to save marriages and help people take the next right step. Stop projecting your insecurities onto John’s advice. Covenant is so important to him. He’s very clear!

    • @DudeMuscle
      @DudeMuscle Před 7 měsíci

      @@flashthecorgi2053 shut up dog

    • @hadenanderson563
      @hadenanderson563 Před 2 měsíci

      Joe Rogan is awesome tho.

  • @BlessedOne_91
    @BlessedOne_91 Před 7 měsíci +8

    I guess Dave Ramsey forgot how he over spent, went bankrupt, and lost everything. Guess his wife should have divorced him then too.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Před 7 měsíci

      Maybe because he never went bankrupt. That's just a business origin story he made up that gullible people like you believed.

    • @BlessedOne_91
      @BlessedOne_91 Před 7 měsíci +3

      @@amireallythatgrumpy6508 Where’s your proof of that? Or you just spouting nonsense?

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Před 7 měsíci

      Where's your (independent) proof Dave filed bankruptcy? Burden of proof is on him, not me. @@BlessedOne_91

    • @flashthecorgi2053
      @flashthecorgi2053 Před 7 měsíci

      @@amireallythatgrumpy6508The paper of his final bankruptcy statement is hanging up in the halls of Ramsey solution so yeah there’s proof!

    • @flashthecorgi2053
      @flashthecorgi2053 Před 7 měsíci

      @@BlessedOne_91They are just spouting nonsense! 4:01

  • @laurelharper123
    @laurelharper123 Před 7 měsíci +5

    My spouse and I are diversifying our long-term investment portfolio by adding various stocks and ETFs. We've allocated $220k to begin with, focusing on inflation-indexed bonds and companies with strong cash flows. I think the current market presents a good opportunity for long-term gains, but I'm also interested in learning ways to make short-term profits.

    • @maryHenokNft
      @maryHenokNft Před 7 měsíci +2

      While the current market offers short-term profit potential, it's crucial to note that executing such a strategy requires expertise and skill.

    • @hunter-bourke21
      @hunter-bourke21 Před 7 měsíci +3

      The only issue you might have is the fear of missing out, just like everyone else. A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.

    • @maggysterling33254
      @maggysterling33254 Před 7 měsíci +3

      @@hunter-bourke21 Thats massive gains! mind sharing details of your adviser please? I’ve started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help fuel my money goal

    • @hunter-bourke21
      @hunter-bourke21 Před 7 měsíci +3

      *Gertrude Margaret Quinto* is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

    • @TheresaAnderson-kf5xw
      @TheresaAnderson-kf5xw Před 7 měsíci +1

      I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

  • @jimmymcgill6778
    @jimmymcgill6778 Před 7 měsíci +37

    Of course blaming the husband.
    How much is he over spending? Is he over spending on the groceries? On house hold bills?
    And what is her spending?

    • @blodus4521
      @blodus4521 Před 7 měsíci

      Already knew this comment would be here lmao

    • @dustyrhodes2717
      @dustyrhodes2717 Před 7 měsíci +8

      Exactly. ZERO context. Is he buying booze, cigs, lotto tickets? Is he the only one working and she’s just complaining? We have no context. This is crap content.

    • @franziskani
      @franziskani Před 7 měsíci

      @@dustyrhodes2717 She lovingly told him the overspending scares her. So either he does not even sit down to make a budget, or he does not stick to it. In case SHE does not stick to the budget it would also be very obvious. Whether she is a SAHM or not does not matter. IF they have to live on only one income they still need to manage that. It is even more important to build up savings (only 1000 USD saved up). And to learn to make and stick to a budget.
      Having a budget CAN include his fun spending for cigarettes, lottery tickets and booze - but if the numbers will not allow a lot of budget then they will have to sacrifice something. cable, less heat, no gym membership or very reduced grocery spending. Which means the rice and beans route (so little meat, and if so only mince, no meat cuts, cheese, no fresh produce ....) One CAN save on groceries but he might not like it.

    • @franziskani
      @franziskani Před 7 měsíci

      @@dustyrhodes2717 he is either addicted to shopping. Or he is going to strip clubs, pays online for things he shouldn't, or he has a mistress. Or he is addicted to substances or gambling.

    • @jrogerss8616
      @jrogerss8616 Před 7 měsíci +1

      @@blodus4521 I knew that comment would be here too. Probably because it's cogent and full of common sense. Glad we're on the same page.

  • @Mr_Mcgee_
    @Mr_Mcgee_ Před 7 měsíci +16

    For some reason, John seems to always believe divorce is the answer. Nearly every video he makes he suggests divorce. It’s really disturbing, especially considering that Dave used to (almost) never suggest divorce as an option. I have trouble watching any videos where John takes the lead.

    • @cesaravegah3787
      @cesaravegah3787 Před 7 měsíci +3

      John usually advice divorce to women, for men is therapy and " Man up", the simping is strong on that one.

    • @Jdaads
      @Jdaads Před 7 měsíci +3

      He actually doesn’t always believe divorce is the answer. He’s harder on men, that is for sure. But he’s not one who says divorce is the first option.

    • @robloxvids2233
      @robloxvids2233 Před 7 měsíci

      John has some weird spell over Dave. He's the only one Dave won't question. Dave will even argue with his own daughter but not DOCTOR JOHNATHAN J DELONEY MD PHD ESQUIRE. Is John's dad the pastor at Dave's church or something? There must be something to explain their weird dynamic.

    • @franziskani
      @franziskani Před 7 měsíci

      If a spouse (man or woman, often both are guilty) is unwilling or unable to get their overspending under control it is a very bad sign. Emotional immaturity, being impulsive. OR an addiction. OR spending for things like online porn, strip clubs (if we are talking about a male).
      And then it could be that he has an affair and that causes spending (on top of the other harm). Think dining out and paying cash, paying for hotel rooms, paying for a secret apartment, the mistress gets presents, ....
      Some people are impulsive spenders and really bad with money but at some point they wake up, and grow up. Usually they need to have a wake up call / kick in the behind before they start the unpleasant growing up (either by the bank, or they lose the job and then the house of cards comes down, or the spouse gives them an ultimatum). If the spouse might divorce them and that does not prompt change (and willingness to change) the marriage is not going to last anyway. The more mature spouse better not drag out the misery, lose their young years (especially the female the fertile years).
      If a spouse (male or female) is not able and willing to do that it is better to end the misery soon. In case of an addiction the spouse would be responsible for the debt the addicted partner runs up.

  • @1ButtonDash
    @1ButtonDash Před 7 měsíci +3

    I shoulda started a credit card company, people just love to spend money they don't have.

  • @knicholas8768
    @knicholas8768 Před 7 měsíci +2

    I know John always catches flack for his “are you safe” jargon, but this clip was exceptionally bad. A LOT of assumptions and accusation based on very little, very one-sided information.

  • @richthepup
    @richthepup Před 7 měsíci +6

    So after all monthly expenses, you have $600 left to replenish emergency fund/throw at debt/invest but it could be a lot more if not the husbands overspending. This call got so off track, the situation could have been improved

    • @franziskani
      @franziskani Před 7 měsíci +2

      No, that may mean BEFORE groceries.

  • @jraine2328
    @jraine2328 Před 7 měsíci +5

    They are assuming without any other details and the automatic solution is to get divorced. Come on smh

    • @LuisLopez-nk7fj
      @LuisLopez-nk7fj Před 7 měsíci

      dave fails to tell karens to b grown ups he defends karens like theres no tomorrow

  • @inwenc
    @inwenc Před 7 měsíci +9

    choose you spouse wisely

  • @PhilipMurray251
    @PhilipMurray251 Před 7 měsíci +51

    I think people should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions this year

    • @Natalieneptune469
      @Natalieneptune469 Před 7 měsíci

      Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

    • @BenjaminMcLeod815
      @BenjaminMcLeod815 Před 7 měsíci +1

      In situations like this, it's ideal to engage in various options like using an advisor, and I can attest to success of the "basket of securities" approach seeing my portfolio grow from $430k to over a $1.4m in barely 2 years, by far my best financial milestone.

    • @Patriciacraig599
      @Patriciacraig599 Před 7 měsíci +2

      Right, when it comes to situations like this, it's ideal to engage in various options using an advisor, and I can attest to success of the basket approach seeing my portfolio grow from $350k to almost $1m in barely 3 years, by far my best financial milestone.

    • @Aziz__0
      @Aziz__0 Před 7 měsíci

      think you could suggest any professional/advisors i can get on the phone with?

    • @Patriciacraig599
      @Patriciacraig599 Před 7 měsíci +4

      Nicole Desiree Simon is her name. She is regarded as a genius in her area and works for Empower Financial Services

  • @emoney1231
    @emoney1231 Před 7 měsíci +2

    Not specific to this call, but why does John act like fear trumps everything? Sometimes fear is the wrong response. Like when one spouse thinks you need 2 years of expenses saved up "just in case." Just because you're afraid, doesn't mean you're right.

    • @franziskani
      @franziskani Před 7 měsíci

      in this case the woman says they only have 1000 USD saved up And she gently tried to get him on board and so far it did not work, he has not reacted to that.

  • @joeriveracomedy
    @joeriveracomedy Před 7 měsíci +3

    Keeping them separate was always the way to go. These letters & calls are evidence EVERY single show.

  • @janiceallard2108
    @janiceallard2108 Před 7 měsíci +1

    This woman has such a sad story. I was in a similar situation, so in 2008 I filed for divorce. Unfortunately, my ex-husband then proceeded to turn my daughter against me. Parental Alienation Syndrome. My daughter was 13 at the time of the divorce and I could feel her slipping away each time she came back to me after spending a week with her father. When she graduated high school in 2013 she told me she never wanted to see me again. I was crushed. That was 10 years ago. She cutoff all communication with my entire family ... brother, sister, my Dad, etc. ... even her older brother, who was 18 at the time of the divorce, so my ex-husband was not able to influence him against me. So, I did get rid of the financial drain of my ex, but it cost me my daughter. So, beware of the potential ramifications of divorcing someone because of finances, if you have underage children. I have all the money I need now, having sacrificed a lot over the past few years to get caught up and out of debt, but it sure did cost me.

  • @markg999
    @markg999 Před 7 měsíci +3

    These emails are dumb....when dealing with marriage issues you need to hear both sides...not some one sided email.

    • @wewhoareabouttodiesaluteyo9303
      @wewhoareabouttodiesaluteyo9303 Před 7 měsíci

      It works against Ramsey's business though. You need the wives to bring in the males to pay for this program. $$

  • @xxAl99xx
    @xxAl99xx Před 7 měsíci +2

    News flash for Dave, John, and all the Bible thumpers in chat: DIVORCE ISN'T TRADITIONAL!!
    "...to have and to hold from this day forward, for better, for worse, for richer, for poorer, in sickness and in health, until death do us part."

  • @dustyrhodes2717
    @dustyrhodes2717 Před 7 měsíci +8

    I’m curious what the examples are of how much he spends and if she even works. I don’t doubt that there is a problem here but we need more context of the issue/background before they go off the deep end of jumping to conclusions.

    • @franziskani
      @franziskani Před 7 měsíci +2

      If he overspends relative to their income it does not matter if she has a paid job or not. On the contrary with only one income it is even more important to be able to show restraint and being willing to make and stick to a budget.

    • @dustyrhodes2717
      @dustyrhodes2717 Před 7 měsíci +2

      @@franziskani agreed but we received no context or examples. They leaned way too into this without providing more information.

  • @tubenachos
    @tubenachos Před 7 měsíci +13

    Yes but are YOU safe?! 😂

  • @michaelvan6675
    @michaelvan6675 Před 7 měsíci +2

    John admitting he uses the I don’t feel safe as a power move. How can you not do my bidding after I say those magic word??

    • @mrscmeier9570
      @mrscmeier9570 Před 7 měsíci +1

      Totally agree. And it's seriously the corniest line ever.

  • @soluscristus1
    @soluscristus1 Před 7 měsíci +2

    Is this really a good reason to divorce someone? I’d recommend that she direct deposit her income into a savings account until he can get some help.

  • @michelleeckert6348
    @michelleeckert6348 Před 5 měsíci

    It's real, guys, I know it's hard to believe
    What I got if I tried to talk to my ex was 'I don't see a problem with it', even with 'what can go wrong!'
    I always thought those kinds of comments were just Inviting trouvle
    Yes, I got rid of him a long time ago 😁

  • @catherinewilke5583
    @catherinewilke5583 Před 7 měsíci +1

    I mean, it sort of doesn’t matter if she is telling the truth or not. If she doesn’t like his spending, and they can’t get on the same page, she’s better off alone. So she should get divorced and captain her own ship. But I think if she asks for child support or alimony, the question is what is her real motivation? Get divorced, and don’t ask for any of his hard earned net worth or for ongoing support.

  • @James_Hough
    @James_Hough Před 7 měsíci +1

    You are assuming that she words used in the message are the words she used with her husband. Maybe, maybe not, but likely not. This is always the problem when hearing 1 side.

  • @mohamedhasan6264
    @mohamedhasan6264 Před 7 měsíci +15

    I wonder if it was the other way around, it would be the husband's fault I guess.

    • @jimmymcgill6778
      @jimmymcgill6778 Před 7 měsíci

      Of course it will still be the husbands fault. They will still say that they should keep a joint account.

    • @xsgtxbigboy1655
      @xsgtxbigboy1655 Před 7 měsíci +3

      @@jimmymcgill6778they straight up say it’s your fault for allowing it lol

  • @reviewsgoodnbad7695
    @reviewsgoodnbad7695 Před 7 měsíci

    Ok - let’s be real here. The younger members of Ramsey side with their own gender. This one is is John - the other one - the young lady - 50 year old SAHM wouldn’t go back to work so her husband could retire earlier.
    Love Dave’s balance on these things

    • @hadenanderson563
      @hadenanderson563 Před 2 měsíci +1

      It's mostly John who is the simp. I just can't think of a good word for it. Dude needs help.
      John, I mean.

  • @dakotalondon
    @dakotalondon Před 7 měsíci +2

    The stark differences between how they treat men compared to women on this show is scary. If a woman were to do this, it would be a completely different story and tone and I’m sure it would be pinned on the husband as the root of it some way.

  • @haroldmann3303
    @haroldmann3303 Před 7 měsíci +3

    Dave I am suppressed you don't bring up your struggles you had when you were younger how you did not save the money. You were the spender and your wife was the thrifty one and saver? How were you when you were there age, even if you don't know their ages. I remember your book, you expressed losing your fortune. You had family and wife, car payments. you remember. What were you like and how did you realize you had to change.

  • @h.f.4095
    @h.f.4095 Před 7 měsíci +5

    Ramsey Solutions are full of simps.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Před 7 měsíci

      Nobody with an IQ over 50 uses the pseudoword "simp" except when mocking the imbeciles that do.

  • @jusplay7309
    @jusplay7309 Před 7 měsíci +1

    These write ins are useless because they lacks a lot of the context. If they call in then you can ask them the critical questions to fill in all the blanks

  • @MelissaBonnet-py5zw
    @MelissaBonnet-py5zw Před 2 měsíci

    This video literally saved my life

  • @bclayton430
    @bclayton430 Před 7 měsíci +1

    Does your bank account feel…safe?

  • @MansonMachineWorks
    @MansonMachineWorks Před 7 měsíci +9

    I would love to have $500 left after everything is paid. What’s her problem?

    • @eniak00
      @eniak00 Před 7 měsíci

      I had a similar thought. Most people would think that was great.

    • @DB-bw5fz
      @DB-bw5fz Před 7 měsíci +3

      The issue isn’t what’s left. The issue is that they aren’t on the same page, and she is not able to deal with that aspect anymore and has reached out for advice. My wife and I work together on virtually everything we do. Very much like Dave and his wife, we have certain, what I’ll call “BS” spending limits, that we can do whatever we want with before we discuss a purchase with the other person. It’s not a permission or a trust issue, it’s being completely transparent and open with each other. My wife would be upset with me for spending $1000 on something for myself without discussing it with her. She wouldn’t be upset at me for spending $10k on myself after we discussed it together.
      For those saying they’d love to have $500 left…you’re missing out on the main point. It’s not a math issue in this case.

    • @musicman7297
      @musicman7297 Před 7 měsíci

      I have about a 1000 left after paying monthly bills and I live on SS. Of course i pay for food out of that. Slo that leaves about 750.

    • @GigaChad_169
      @GigaChad_169 Před 7 měsíci +4

      I agree but she also mentioned they only have $1,000 in savings and that $500 left over each month is based on making MINIMUM PAYMENTS on their debt. So in reality they're probably broke.

  • @thefirmament3225
    @thefirmament3225 Před 6 měsíci

    “John I cheated on my husband “
    “ so your husband beats you and verbally abuses you and you needed to find a way out right “
    Dude always go straight to man being abusive , even when the female caller has just confessed to some horrible action.

  • @GratefullyHis
    @GratefullyHis Před 6 měsíci

    His wreckless financial habits ALREADY separated them.....her responding to that with separate finances is just the natural course that follows. HE did the separating, not her.

  • @MN-br5nb
    @MN-br5nb Před 7 měsíci

    Why push divorce? Whatever happened to serious working out issues.

  • @KENTUCKYUSA1
    @KENTUCKYUSA1 Před 7 měsíci +1

    Not enough info here to jump to conclusions. This video tells us more about John and Dave than about this woman, who may or may not be telling the truth.

  • @rleonekc07
    @rleonekc07 Před 7 měsíci +2

    They really trash people without knowing both sides to a story lol

  • @John3.36
    @John3.36 Před 7 měsíci

    What if he just has a low income and is right about paycheck to paycheck living?

  • @MichaelCarrPilot
    @MichaelCarrPilot Před 7 měsíci +1

    These comments probably aren’t going the way the Ramsey media team expected.

  • @johnlanier3616
    @johnlanier3616 Před 7 měsíci +6

    Calling someone a scumbag because of a email you just read is real Christian of you.

  • @elizabethallen4353
    @elizabethallen4353 Před 7 měsíci +1

    "trying to speak lovingly" doesn't mean a thing to a selfish child. And now she is supposed to take the lead in getting him to marriage counseling? No, time to go.

  • @ginoturano6821
    @ginoturano6821 Před 7 měsíci +3

    You have no right calling a person scumbag if you don't even know the person there's 3 sides to the story her side his side and the truth

  • @AlexPrime86
    @AlexPrime86 Před 7 měsíci

    The email questions are the worst, you can't get the full context, just whatever biased side the sender has

  • @dustyrhodes2717
    @dustyrhodes2717 Před 7 měsíci +2

    K, now do this when it’s a woman overspending, which by the way is a large amount of them 😂

  • @LonnieApol
    @LonnieApol Před 7 měsíci +8

    No matter how flat the pancake there is always two sides..

  • @lonestarrk9308
    @lonestarrk9308 Před 7 měsíci

    Somebody please talk to Dr. Delony about tapping on the mic stand.

  • @alleyes9243
    @alleyes9243 Před 7 měsíci

    That is my everyday life lol. Thst is a lot of money left compared to mine.

  • @cannednolan8194
    @cannednolan8194 Před 7 měsíci

    I didn’t hear how much money each make. Just $500 left after bills and she doesn’t like how it’s spent. So I’m guessing it’s from his check.

  • @hadenanderson563
    @hadenanderson563 Před 2 měsíci

    Even the reading of the email is dramatic and simpy.

  • @joechang8696
    @joechang8696 Před 7 měsíci +2

    before we write off the husband as a deadbeat loser,
    lets ask whether he is in line for a substantial inheritance? that could completely change the picture

  • @Molbyone
    @Molbyone Před 7 měsíci

    Dang. Y’all are so quick to bash this guy with minimal context.
    Reverse the rolls and behave consistently.

  • @yourgooglemeister6745
    @yourgooglemeister6745 Před 7 měsíci

    Good thing they called up the husband to get his side

  • @bruceburton3711
    @bruceburton3711 Před 7 měsíci

    I will never join banks account

  • @dmbgator86
    @dmbgator86 Před 7 měsíci

    I CANT BREATHE!

  • @maximusdecimusmeridius5438
    @maximusdecimusmeridius5438 Před 7 měsíci +10

    Is Sandra Safe?

  • @Kurtdog63
    @Kurtdog63 Před 7 měsíci +2

    My friend's wife used to tell him (in front of his kids) he didn't know how to manage money as she and their two daughter's were heading out the door to go get hundred dollar hairdos.

    • @franziskani
      @franziskani Před 7 měsíci

      Even if it is true that she is a b*tch - the man would have been better off if she left him. Telling him in front of the kids is a no go (although did he berate her before that for spending so "much" on their hair ?
      Also: if he was stingy about the 100 USD hairdos relative to the income (which would be in the budget every few months !) while regularily overspending thousands of dollars on his toys ...
      100 USD hairdos hurt BUT it can be a good investment into the appearance. I depends - if that is every 3 - 4 month it boils down to monthly maintance of 25 USD per month. (times 3 if it is for the wife and the 2 daughters).
      And he benefits from that as well if the ladies in the house are well groomed. The problem is that if a female goes cheap on the hair stylist she often cannot expect good results. (if she has unproblematic hair and a perfect face - head shape and knows very well what suits her and how to style it, she might get good results with a cheap hair dresser. Some women even know how to cut their own hair or they know how to dye.
      And she might be able to style her hair better with an expert cut, done by a professional that has an eye of what to do with a certain type of hair (thin or very thick). Good hair stylists also have an eye for what suits a person. I read that woman with curly (natural) hair have problems to find hair stylists that know what to do with their hair. As one woman wrote: the curly hair stylists are so expensive, but my daughter looked fabulous after the 500 USD appointment (cut and colour - OUCH. One can get a top notch circular saw for that money ! Well - these experts have found their niche (curly hair can look beautiful, but it is dry, can easly break, be damaged by treatments like colour, or applying heat, and then it looks terrible despite a lot of daily effort to tame it, never mind being able to "style" it. So these experts know they can ask for a lot.
      Men usually do not have to invest so much money to get a decent hair cut that makes them look good / well groomed.

  • @loricairns3459
    @loricairns3459 Před 7 měsíci +5

    Why is it his mother’s fault? Fathers can also pass on the attitude of “But you’re a (insert last name here).” It isn’t just mothers who tell their kids they are special.
    Agree, there is more going on here than disagreeing about money.

    • @GigaChad_169
      @GigaChad_169 Před 7 měsíci +2

      My ex had parents that blow smoke up my ex's behind about how great they were...didn't really help my ex make good decisions in life having an arrogant overly optimistic and entitled attitude. In fact, my ex is broke and has negative equity on home they intentionally over paid for, for some reason. Some people only learn through the school of hard knocks.

  • @greggpurviance7252
    @greggpurviance7252 Před 7 měsíci

    Not enough information. Yes have to make the marriage "good"

  • @DudeDude491
    @DudeDude491 Před 7 měsíci

    John is gonna ask Are you Safe..

  • @adelalc
    @adelalc Před 7 měsíci

    VERY TRUE!!!

  • @miketheyunggod2534
    @miketheyunggod2534 Před 7 měsíci +6

    Them two trying to end another marriage. They have ended more marriages than made millionaires.

  • @dothedanmthing
    @dothedanmthing Před 7 měsíci +1

    All Im hearing is christian feminism . This guy needs to start making moves to save his own life before this woman drags the state into his life.

  • @wewhoareabouttodiesaluteyo9303
    @wewhoareabouttodiesaluteyo9303 Před 7 měsíci +1

    He spends it, nothing in divorce. lol
    You cannot strap alimony and child support on someone with 0 net worth.

  • @ShaneCrenshaw
    @ShaneCrenshaw Před 7 měsíci +1

    Love the show, but fueling her frustration without knowing the full story seems irresponsible.

  • @HangNguyen-ih8rf
    @HangNguyen-ih8rf Před 7 měsíci

    Yes right before divorce 👏👍

  • @claudettes9697
    @claudettes9697 Před 7 měsíci +2

    Ooo…! The fellas flipping out over this clip! 🤭

  • @LuisLopez-nk7fj
    @LuisLopez-nk7fj Před 7 měsíci +1

    look at them go defending the karens ..haha bad example for men here ...

  • @williamjohn8633
    @williamjohn8633 Před 7 měsíci

    it's ironic how John always preaches against people protecting themselves financially with prenups when this is one example for its use. However, he has no compunction of hearing the other side to a story; he straight has the audacity to insult this guy without anymore information

    • @franziskani
      @franziskani Před 7 měsíci

      If the husband is addicted - separating finances will not work and protecting existing assets will not work. He is still too immature, addicted (or spends a lot on a mistress). Even if she could protect herself regarding money - she still cannot have a good marriage with such a men.

    • @DudeMuscle
      @DudeMuscle Před 7 měsíci

      @@franziskani are you like the delony defense team? I’ve seen you comment like 50 times on this video

  • @BrianaBudgets
    @BrianaBudgets Před 7 měsíci +2

    So John, after reading one paragraph about this lady’s husband spending too much money, is able to say they’re close to divorce? Why not ask the husband why he doesn’t feel safe? I don’t like these deep questions that come in through email. You need A LOT more of the story before being able to come to a conclusion on these things. I’m sorry but John talks out of his ass sometimes.

    • @franziskani
      @franziskani Před 7 měsíci +1

      Not everyone feels comfortable to call (callers often say they are very nervous), or they do not get a slot. She will do her thing it is not like Delony makes her do anything. If she is very much in love, or co-dependent or has very traditional views on marriage, it might be that she needs outside validation: so that she can allow herself to even consider a divorce-
      A divorce can well be the right thing, even for him. Maybe getting divorced is the kick in the behind he needs to make much needed changes. Maybe too late for THIS relationship, but can help him for the rest of his life. And she does not waste her life hoping he will get his act together one day.
      This is not about having to live frugally, but that he is irresponsible - for whatever reason AND he also does not react to her when she gently suggest change (by sharing how much the overspending scares her).
      It could well be that it is better to separate (the overspending can be immaturity, impulsiveness, he has an affair, or an addiction). There are lots of spouses that give too many chances. Sometimes the partner needs a wake up call - like the threat to leave and if that does not prompt them into action
      1) the do not love the spouse anyway
      2) he has an affair and strings her along (if he invites the side piece to diners and has to pay for hotel rooms it can result in considerable extra spending, especially if they do not have a high income
      3) he has an addiction. that is a bad predictor even IF he has the insight that he has to do sth about it
      Either way the spouse (here a female) better not spend too much time on a lost cause. And they certainly should not have (more) children.

  • @hadenanderson563
    @hadenanderson563 Před 2 měsíci

    John needs help.

  • @ItsMe-ko6sz
    @ItsMe-ko6sz Před 7 měsíci +2

    Are you safe?

  • @lukeharris2622
    @lukeharris2622 Před 7 měsíci +1

    ✝️

  • @JP-uy9kq
    @JP-uy9kq Před 7 měsíci

    These guys recommended marriage, and now divorce as often as possible. SMH. Stop playing the tradcon game gents.

    • @franziskani
      @franziskani Před 7 měsíci

      They also recommend mindful dating and counseling before marriage, if one partner is addicted (to spending or sth else) or they do not have the same vision what to achieve (and that would include how to pay debt - they only make minimum payments) then they should not get married in the first place.

  • @chelsicheyenne
    @chelsicheyenne Před 7 měsíci

    I don't believe any of these letters lol. Have a phone call or no one wants to watch lol

  • @scotdavis8094
    @scotdavis8094 Před 5 měsíci

    Pretty judgmental after only getting one side of the story.

  • @scotdavis8094
    @scotdavis8094 Před 5 měsíci

    The more John opens his mouth, the less and less I like the guy.

  • @TheRealCP3309
    @TheRealCP3309 Před 6 měsíci

    Lost respect for these two

  • @whereandbackagain7059
    @whereandbackagain7059 Před 7 měsíci +2

    Found the He Man Woman Haters Club in the comments.

  • @ryanj357
    @ryanj357 Před 7 měsíci

    lol throws her husband under the bus. Marriage is a joke

    • @wewhoareabouttodiesaluteyo9303
      @wewhoareabouttodiesaluteyo9303 Před 7 měsíci

      Anything you do with her in marriage is fair game. Most gals are not embarrassed to even tell all your secrets in public.

  • @wesjohnson934
    @wesjohnson934 Před 7 měsíci

    An financial idiot will not change!