We've Had Separate Accounts For 20 Years!
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The more I listen to this show, the better I feel about the choices I've made. Wow.
This is exactly why her husband wanted separate accounts. She is a disaster.
Exactly. I wouldn’t mix it either. She could have him working with no retirement.
If that's the case, then they need to have separate lives. Either they work together and build a strong financial future together or he leaves her due to financial infidelity and then he has every right to let her fail on her own. They're either married or they're not
The solution Dave gave is for him to finance her zero income hobby business. No income is a hobby after a certain point.
Her husband has superpowers. It's called common sense. ;)
@@stevenporter863 I don't think that's his point. The two of them need to get on the same page. Together (TOGETHER) they can decide whether she should continue the business or get a job. Together they can work out a plan to not only dig out of the hole but set up a system so THEY are not just surviving but thriving. Not him or her but they. Together they can complete FP and they can meet Dave at his conference. He should not give her any money to fix anything. He should not rescue her from her mistakes and then go back to ignoring what she does. They either plan together or they make plans to no longer be together. Because just like the IRS stuff, these financial issues begin to affect the other spouse.
You dont know where to go? Go to work and stop spending/giggling.
Working three jobs has a strange effect of limiting your ability to spend money frivolously.
@@wordsalad01 What concerns me is it taking 60k to realize your business has failed. Yikes!
@@SpoonHurler Exactly, even when I was working overnights I found less time to spend money.
How about going to a paying job!
That giggle was so telling about her attitude towards life really. I understand she was very nervous, but this is her reaction under pressure - make light of it, laugh it off, don’t fret.
I literally just made a comment about that Shane's to take it more seriously stop laughing
Fun fact: People are more willing to trust you with their heart and body than they are to trust you with their finances.
You don’t really trust someone mind or body if you don’t trust them with your finances.
"Together we can do anything like husband please pay off all my debts" is the vibe I got here.
Yeah, let's hear his story.
I keep my accounts separate to avoid this issue. The husband is smart & saw a train wreak coming
Married for over 28 years, still have separate accounts. I just pay for everything my wife hates to spend money but loves to save, I did get her to start investing in mutual funds. House paid for, no debts.
W wife.
Dude makes 200k, drop the wife 😂
They've been married for 20 years, and they live in California; at this point it's cheaper to keep her!
Cheaper to keep her.
Commiefornia is a lifetime alimony state as so I've heard. Cheaper to keep her.
Definitely CTKH!
Deloney always wanting to sing people's names...... I hope Jolene never calls🤣
The caller could put on a red light, but I doubt anyone would show up.
@@tcgtpl Because her name is the name of a song.
Bro her name is Roxanne...
Maybe Jenny will call in.
@@ldcsam1 I know her number. It was written on a wall for everyone to see.
I feel sorry for the husband.
He will have to clean all this mess 😢
Why? He's got a bunch of IRS debt too.
@@SnifferSock she said together they have IRS debt ,something tells that was her doing too lol
@@SnifferSock Males are more than likely to work (stereotype). Chances are he will clean it up. Females are notorious for divorcing, extorting the male, and never figuring out how to pay down debt.
@@Bravo78631 Something tells me he's just as stupid.
I, to this day, do not know why people would marry someone they don't trust. What is wrong with people?????
"What is wrong with people?" How much time do you have?
@@eatpigsnot ??
Funny when the man overspends he needs to get multiple jobs and is insulted to no end. When a woman overspends and is god awful with money it’s her husband’s job to bail her out.
Sorry women aren’t both “strong and independent” and frail flowers that need to be protected. Can’t be both at the same time. It’s time to pick ladies it’s the equality you claim you want.
YEP. He have double standard when it comes to women.
Yup. I tell my wife to open her own dang door, women want equal rights.
This is where I have to disagree with Dave. I personally would never marry, but I even if I did for some reason, joint bank accounts are completely off the table.
Dave is living in a different time period. I doubt he will ever get with the times
That's why I never put the toilet seat down.
Dude saw that one red flag years ago and made a smart move. Seems to me Roxane has been giggling and skipping along while singing her birthday song. One day she said “I’ma show him” and it didn’t work out to good.
Guess she giggled too much
*F*ck no Dave*
*"For rich or for poor" philosophy of dave is only when wife spends money and is in debt, when man is in debt , dave calls him abusive etc etc and tells lady she deserves better*
*They decided and mutually chose seperate finances, now that she is broke, he is bad man*
Ya that's not true
@@janelleg597 sure sure lady
@HITESH ADHIKARI If your woman was to go into debt, wouldn't you somewhat have a blame for it? Why didn't you stay on top of it? Why was your woman overspending? Do you not talk to her about finances? Are you THE MAN or not?
Now, if you want to live a different lifestyle where you and your partner don't talk about too much and live together and have separate accounts and you're cool with her spending whatever and you can spend whatever you want then fine, I agree with you originally statement.
They avoided making a decision, you mean. Separate finances is the default when you don't communicate at all with your spouse.
Me and my wife have combined finances so there is no way for us to go into debt without me knowing about it. This mess can’t happen in the first place if you are a team financially. Of course combining now is a mess but they allowed this to happen in the first place by pretending to be roommates.
Well, I can tell you from experience that having separate accounts sometimes is necessary.
Separate accounts may not be for everyone, but it's important for couples to have open and honest conversations about their finances and find a system that works for both parties.
Agreed, especially since there are business loans involved.
Separate accounts make it a whole lot easier to NOT be open and honest..........
@@MrJimmy3459 it can make the divorce so much easier, though. Once the marriage is over, you can make a clean break.
@@texan903this is a fallacy. Not true at all. No such thing as a clean break
@@naomirachel9161 a good buddy of mine went through the scenario actually and cleanly divorced his wife.
Her own mess to clear.
He kept their money separate because he knew she'd spend him into poverty when he married her.
If that's the case, why marry her and ignore the problem? The IRS thing hurts both of them. And it's gonna grow from there.
Why is the answer always for the man to bail her out? She has a problem. She needs to work
That's the Ramsey Simpin' Solutions' way.
Because they are married that's not an individual problem🙅 however the main responsibility definitely lies on her he can help her to some extent that's his duty as an husband, but she must pay the most in my view
@@historiqueafricaine I agree he should help and she should for work. But the main problem seems to be that they are married and aren't talking about their money. I am married for two months and we have talked about money ever since we were in a serious dating relationship.
@@selfui7769 Best believe if I'm joining my life with another in an institution called marriage, money will get discussed well beforehand.
My friend , it is called prostitution. When a woman or man goes off on there own instead of inquiring to the Lord they will sell themselves to the one who bails them out.
She may have to put on the red light after all. Awesome advice in the best way!
😂😂😂
Good keep it separate
I agree. Each couple needs to do what works best for them. One size does not necessarily fit all.
@@AnalyticalMenace this isn’t working for them. They are in a complete financial mess keeping their finances separate
Well it's been 20 years and they have ~150k in debt separately. Seems to be working well so far...
@@theburnetts They are in a mess due to bad financial decisions, frivolous spending. The issue of money combined vs. separate is an independent variable.
@@theburnettsThe fact that their finances aren’t combined isn’t what’s the problem, they are both the problem. Combining will change nothing here unless their decisions change.
I think she needs to find out the underlining issue that is causing her to spend and misappropriate finances. I'm living her story but with a lot less debt. I realized habitual spending was coming from an unhealthy place and no different from getting a drink or lighting a cigarette to calm my nerves. She must look for the pattern to stop the habitual behavior. In other words what is triggering this spending. I will be debt free May 2023...
Only some females take acountability.
Agreed and congrats 🎉
Simple: Her underlining issue is she throws good after bad money at a hobby business making no income.
Her husband would be the worst person in the world threatening their financial stability if the roles were reversed. Since it is her Dave thinks the husband should bail her out and never retire while smiling and not complaining.
THE MAN KNEW BETTER. Separate your finances ! And still love her
What Roxane needs to do is start taking things serious and stop giggling at everything. In the end is going to be her husband having to bail her out.
I think that's her coping mechanism. She doesn't think it's funny, she's uncomfortable talking about it. Cut her some slack
Yup. Cackles needs to get serious. No wonder she can't manage her finances.
Yeah it's annoying when people, usually women, have a nervous giggle at the end of each sentence. This can actually be corrected if you work on it.
That giggle is annoying.
I hate that my parents found out i get high on my TH-cam channel as my career smhh😮
Her husband shouldn't have to pay for her bad decisions
They don't trust each other. There may be reason for this.
Yep. If one spouse if fooling around then the other spouse may have trust issues
Clearly a lack of communication skills
Nothing wrong with separate accounts if both agree. Some people sleep in separate beds. It just works for them. You hope things are always going to go great but sometimes it does rain.
Yep. My grandparents always had seperate accounts. Easier to keep track of the accounts that way.
Separate accounts is way different than separate beds I think since beds have nothing to do it money. It's much easier to budget one pile of money I think. You can have different accounts that are an allowance to one or two. But one pile is budgeted is easier I think
if you want separate accounts you should not be married
@@eatpigsnot oftentimes there's a great disparity in what spouses bring into a marriage and earnings. With separate accounts, spouses need to communicate but combining accounts is nonsense, especially when one spouse leaves and cleans the other out.
@@texan903 when married it does not matter if one spouse earns more than the other. it is all about what the combined (married) unit earns together. with combined accounts couples are forced to communicate about money and that strengthens their marriage, reducing the chance of divorce
She should be nervous about her debt, joblessness, and being bankrupt, not about calling in a radio show.
After this video word has it the husband started giggling at her.
“If you made mistakes with money, you’re over 12.” 😂😂😂
Sell the caller
Nothing wrong wirh separate accounts at all.
She sounds too flaky and goofy to share finances with.
Absolutely we are better together!!!
We still call him Delony baloney.
I was also singing that name in my head.
Ken Conman. XD
I work with a several dual income high earner households and they all have separate financials. And most of them have no kids either.
Yep. I know many couples with separate financials and it works for them
Works for us. No kids either.
Do you think a combine account wouldn't also work for those couples? Is it possible it might work even better than their current set up?
@@aaronsacks470 if it ain't broke, don't fix it.
Get in the car, drive down the street to Disneyland where you can giggle like a fool. Grow up about your finances and pay the IRS first.
Ramsey is a Boomer.
DO NOT JOIN YOUR ACCOUNT WITH ANYONE.
Combine everything, take on the world, then get divorced or her running the debt back up. Master plan.
My wife and I have always had seperate accounts. It works for us. We still discuss and pay the bills together. No need to join accounts
I know I'm 1 year late to this, but what would be so bad about having a joint account? I mean if it works so well with separate accounts and you "still discuss and pay bills together", how much better would it be with a joint account with everything in it?
My wife once got mad and emptied over joint account. So separate accounts is a good thing
Is it time to let go of the business that is losing money?
How can two people who have been working and married for 20 years be so far in debt?
This is why you as a man should always insist on having separate accounts.
Explain why you would trust someone enough to marry and build a life together - including buying a house. having children etc. - but not enough to combine finances. If you don't trust someone to share a bank account with - and you aren't willing to work through that concern - how can you trust them to spend the rest of your life with them?
@@aaronsacks470 Why? Being a nice person and being responsible financially are different skill sets.
@@aaronsacks470 different things bud. I find it so funny how everyone is hung up on the fact that they have seperate accounts😆
@@MegaeffinGarchomp17 The biggest issue is her bad behavior with money. That is clear and obvious. There is more room for debate over separate vs joint accounts. Play out a scenario where they stay married, but he ignores her situation and keeps his stuff separate. Does he get to retire when he has enough to personally support himself but she has to continue to work all her days to clean up her own mess? If that is something that he wants, then idk if he wants to be married to this woman. Isn't one of the goals of marriage to find someone you want to share the joys of life with? I'm not saying to write her a blank check and let her drag him into a financial abyss. But you come together to work through the problems. And those problems are not solved by simply giving her a pile of cash. And if he does not want to put in that work because he doesn't think it's his responsibility or if she refuses to make the hard changes she needs to make so this never happens again, then end this farce of a marriage. I don't see another path that doesn't eventually lead to one of those two outcomes.
John: it’s time to come clean
Her: oh come on
😂😂😂
Smart man
The way women are now I will never do a joint account.
EVER. NEVER EVER EVER NEVER but EVER join an account with a Modern Woman.
@@magacop5180 If that's the way you feel about women then I'd recommend none of them marry you
My gf and I had this conversation recently. She said her money is hers, mine is hers, then changed it to say that mine is ours. If we're ever to marry, I would bring in a pension and investments. I told her that none of that will ever be ours, it's mine only.
My grandma and grandpa had seperate checking accounts. It was easier to keep the books balanced. Two people drawing out of the same account, sounds like a nightmare.
What will be the reason for "drawing out of the account"? I think that's the bigger question.
There is no nightmare if the two of you agree on all purchases before making them.
Joint account IS a disaster
@@thorneto2742 u can discuss the spending with seperate accounts
@@johndone8045 sure but if you both have access to the account it’s much harder to get away with hidden spending
I'm 48
I will NEVER join accounts with anybody again
There are reasons to not combine finances.
She has to come clean to her husband about her debt. She needs to grow up and become a mature women. Sounds like from the comment she made when John said you have to come clean to your husbands she said “oh come on” means she enjoys having separate accounts and hiding secrets from her husbands. She needs to grow up.
They both made mistakes but Roxane clearly makes more mistakes than he did. With here finances looking like that, I wouldn’t mix anything. I’m not going to work just to be financially stressed. She needs to work harder than him to fix what she did and he needs to fix those taxes.
She is in the wrong. Of course. He, also, has played a role here. They could either work together as a couple to get everyone in a better position, or not marry her (or stay married) if she refuses to work on this at all. Extreme? People split up over infidelity all of the time and nobody questions it. Well, this is financial infidelity. So the same standard should apply.
How does anyone be married to someone making 200k and allow to even imagine you aren’t going to have access to that money.
Dave has solidified my opinion that I never want to get married. I’d rather just have a roommate that I have a kid with.
What a GEM. Got her to laugh and lose some of those nerves.
Her husband was smart to not join accounts with this train wreck of a woman. Hopefully he took a pre-nup too.
We had joint account until my wife spent all our sons money. Seperate accounts now and i look after our sons money. Angry was an understatement at the time.
Just like Dave, no matter what the woman does it's the man's fault. But if the man has the financial issue then the man is an idiot 🤦🏽♂️
she might sit down to talk to him and he might go weill we should no longer be married.
if she dies during their marriage, California is a community property state, so the husband will be hunted down for her debt
Who knows, maybe he has a hefty life insurance policy on her. If she dies and the policy is large enough, he can cash it out, bury her and pay off her debt with it and wash it hands of the whole thing. That's what I would do.
She nervous and embarrassed I'm sure...giggle or not.
Bad advice..Keep finances separate..
Wow this woman has a business loan with no customers. Must’ve been a flower or clothing shop. Lol.
Those tend to get customers
He should pay it off but she just gonna run it all back up
I wouldn't combine accounts with her, nor would I pay more than 20% of her debt.
A household checking account to pay home related expenses like light bill , gas bill, groceries etc.. it's ok. But everything else should be separate! This idea of "we are one" is not working as intended in the modern world specially when the courts takes all the money from men in case of divorce .
That's what we do. Both put equal amounts in checking and savings. She complains because I make more, but she spends more.
I can just see this man paying off this woman's debt, then she turns around and divorces him!
Exactly how will separate accounts help that? All assets are considered in a divorce, whether it's in an individual account or joint. All separate accounts do is make it more likely for you to fight over finances.
@@ghjong001 Are you a law professional? There are ways to protect assets and separate accounts is a solid strategy .
Do what you think is best in your case. I have seen and witness wealth destruction in divorce cases specially when it comes to men losing almost everything.
@@ghjong001 your money doesnt have to be under **your name** :)
When she comes clean. He might want to separate. The IRS debt is bad too.
Oh wow.
A lot of her debt is from a business loan on a business that generates no income. Just because they are married does it make sense for him to finance her business and maybe everyone go down with the ship?
marriage is signing up for the ups and downs. when married everything is "we" never "me"
@@eatpigsnot Since you put it that way: it sounds like communism and the best is the lowest common denominator. ✌️
@@stevenporter863 you think working together for the betterment of the unit (couple) is like communism?
You never help an addict by enabling them. She needs to file for bankruptcy and take full responsibility for her emotional spending.
Filing for bankruptcy will not help when you owe the IRS.
Lady, don't mess with the IRS, $100K past due!!!🙄
Yeah, Roxanne is not the only crazy spouse in this marriage.
This is one of those times I wonder if the Ramsey team is being trolled. Someone calls in with a fake story of doing extremely bad finances, in order to try to get a reaction.
Nope people are pretty bad with finances
Women give their power away when they giggle when talking about serious issues. It is not cute, and no one will take you seriously.
Her husband is aware of her habits why should he have to pay for her trying to keep up with the Jones'
I applaud myself for having the brain to stay single...whew!
How are you equating staying single with having a partner who has a spending problem? You have something you want to get off your chest?
Does he?
She said he doesn't know how bad it is.
I’ll bet anything that he knows
No, just a statement replying to this segment…. What are you asking?
No, just a statement replying to this segment…. What are you asking?
So, did 99% of people miss they both combined owe 100,000.00 to the IRS? It's because they don't have a combined account, no one is paying attention to the money. She is 50,000.00 in debit in her business, who knows what he not telling her. It's not one sided, he's blowing money and not paying the IRS.
There’s something else going on
Why is she laughing
Maybe nervous.
I admire her collected nature regarding this amount of debt. I would be entirely weighed down….
She obviously is irresponsible with money. if the guy combines his accounts with hers I see all his savings instantly disappearing. He is clearly keeping his account separate for a reason he knows she is bad with money. She should get a steady job start paying off her debt gazelle speed.
My wife & I have always had separate accounts. She pays for this, I pay for that. I do the taxes, so to me, separate accounts is just a bookkeeping thing.
What kind of marriage is this? How and what do each of them contribute to the relationship? Obviously neither of them contribute finances... do they share the grocery bill? utilities? Domestic chores? did they ever have kids?
She laughs like Kamala. I would not combine accounts with her and not marry her.
she must confide in her husband and he in her...
I’m 67k in debt… hehe!
Smart man to separate moneys. This call is why it's smart to do that.
Nobody who writes "moneys" knows anything about what's smart.
Male caller: Dave, I’m deep in debt.
Dave: That’s because you are a man child!
Female caller: Dave, I’m in debt.
Dave: You are married your husband needs to take care of you.
Bing 100% accurate.
In fairness to his views, he always remains the same in his ways. In his mind, he is THE MAN. He takes care of business. He takes care of his woman to the point that he doesn't allow things to get out of control.
I used to hate Ramsey for this, but when you really break it down, he really champions being a team and always being on the same page.
You nailed it, its astounding that men still call this network for any advice at all.
@@thegenxgamerrsays the "The Gen X Gamer"
L. O. L.
You are acting like this is an inconsistent position but Dave has always been perfectly clear that it’s the man’s responsibility to lead the household
The issue is not about them combining accounts, it's about not being on the same page financially as spouses. Never ceases to amaze me how people in southern Cal can be so broke making such high incomes.
No Ramsey spammers please. You have been warned and will be reported to YT. I hate how these stupid spammers always pop up if you even slightly disagree with Ramsey.
That's the most hilarious thing I've heard today, but it's early.
I don't his suggestion was to combine accounts and then continue to act as they currently do. Hence the offer of FP and the conference tickets.
How you can go 20 years in a marriage and have neither person being accountable for the others spending is insane to me. If you are on the same page from the get go then you can’t end up in this situation. Combining accounts now is simply too late
Aint no way…
She seems so jokey about this? And he makes $200k and they also have IRS debt?
Roxanne has a lot of red lights going off in her marriage.
I’ll see myself out.
Hey Dave. We all know that you don't care what people say. But read the comments and say something about it
If they combined their finances they would most likely be living under a bridge. She needs to grow up, he married a selfish child.
Wow! It's a dysfunctional marriage for 20yrs. Sounds like they have nothing together and that is the issue.
Keep your 401k cut up the cards
What’s funny ?
There is nothing separate in marriage.
If she died with all the debt he still owes it.
The people bragging about how well they do with separate accounts… I can’t imagine wanting to gloat about “how well” you live separate lives from your spouse…
We gloat because it works for us. Why the need to do it your way when the only argument you provide is "Because!!"
200k and in debt?
That's ridiculous.
@@ceecee8757it’s not ridiculous at all!
@@reese85 How is is not ridiculous? When half of it is taxes.
@@jimmymcgill6778 having a $200k income/ household income and having debt is not ridiculous or uncommon!
@@reese85 As much as debt as they have, it is.
She laughs a lot. My husband would know if I had a business and not naking money 💰