"You Can't Out-Earn Your Husband's Stupidity"

[Music] brought to you by the Every Dollar app. Start budgeting for free today. >> So, quick backstory we've done to Dave Ramsey. We came out of debt and in 2021 he says he no longer wants to do that and he wants to live for the day. And since then, we are in this re cycle of constantly being credit card debt of 20 to $30,000. I'm current stayathome mo but I'm going to go back to work and I told my husband well when I go back to work I want us to save for a future so I just want to know how do I do that >> you go get marriage counseling >> yeah what sparked it what sparked him to about face >> something caused that >> that I don't know because we Um, before we got married, he was $100,000 in debt. We dated. I told him, "I can't be in debt." I introduced him to the X Ranvi. We We got out of debt. Then he put us back into debt for a car. And then we got out of debt for that. >> Yeah. I can't I can't help you, honey. There's nothing we can tell you that's going to work. Nothing will work until you guys fix your marriage. You can't make enough at your new job to offset his stupidity and immaturity. You're you're going to retire. You're going to retire broke. Get ready to enjoy dog food. >> Alpo is Alpo is your choice for dinner. >> That's why I was thinking when I went back to work. >> Honey, you can't out earn his craziness. >> Gotcha. >> You can't make enough to do it. So you you don't have a savings vehicle issue, you have a broken marriage issue. >> Meet every dollar budgeters Christy and Steve. Their life is chaotic, but their money is simple because they budget with every dollar. Budgeting with the spreadsheet took a ton of time, >> but now with every dollar, I can do a budget in 5 minutes. >> And tracking purchases is just as simple. It's so freeing to know exactly where your money is going. >> It just takes that stress out of the day-to-day life. You got this, Hanigan family, every dollar. Create your free account today. You have a broken marriage issue. >> Mhm. >> Gotcha. >> Yeah. You guys have got to work on that. And if you if you don't if you ignore that and and you think I I'll just go get a job and save my money, he's going to go in debt further than any amount you can possibly save because there's no off button for this guy the way he's operating right now. >> Yeah. And you guys were never, it sounds like you were never aligned when you paid off the first h 100,000. It sounds like his motivation was, I got this girl, I'm going to impress her. We've just gotten married, right? What even though your why may have been something different and it may have seemed as though you were aligned, but clear you clearly you were not. So that's one of the things that you can talk about in counseling is what what do you guys align on as your vision for the future? And it can't be about today. It has to be about where you see yourselves in x amount of years. >> Yeah. And honestly, I mean, I'm not being mean or anything, but his behavior pattern is one of someone who's going to be broke. >> Yeah. >> When people say, "Thank God it's Friday. Oh god, it's Monday." And that's their whole planning vision >> is make it to make it to the weekend like they're freaking Huey Lewis or something or whatever. Whoever. Who sang that song? >> Working for the weekend. Yeah. Is that Mike and the boys? I don't know. Okay. >> I've done this before, hadn't I? >> Yeah. >> I get I always get criticized my own lack of music knowledge. >> I knew what you were talking about. >> Yeah. Anyway, you're going to be broke if you if your whole time planning horizon is trying to get to the weekend so I can smoke and drink and I just that's all I want to do. I just want to live in the moment. That that means you're four years old emotionally. >> Yeah. >> And uh you're not going to ever build wealth and you're not going to build a quality successful anything because no one does anything of high quality in 5 days. So you have to have a longer planning window for that, a bigger vision for your life, uh for your money, for your health, for I mean this that's the same thing that leads to extreme obesity. >> Mhm. >> Because there's why not why wouldn't I eat everything in sight? >> Because I'm I'm living for the moment and in the moment that donut tastes good and in the moment I'm going to have six desserts and four bottles of wine. I mean, and then wonder why I'm 600 lb. It's the same thing. It's the same thing. I mean there's just no off button when you're that im impulsive and immature and there all the data points tell us it's a very sad person a lot of anxiety there's a lot of depression around that >> because there's no vision >> and you know the Bible talks about it says where there is no vision >> the people perish >> now think about that perish what's that mean roadkill baby perish die don't win >> that that's what that means and so you know in any area of your life for your marriage, your kids. I mean, think about if you taught your kids that way. I, you know, I I, you know, I'm going to live I'm going to do the easy thing with the kids. >> Well, what you raise is animals? >> Yeah. >> That will drive you bananas because they have no discipline because they have no discipline. >> Yeah. >> And so, but but that's all thinking in the moment that what's easy right now? >> I want the easy button. I want the easy button. You got to think about what you're planting cuz whatever you plant later on, that's what you're going to reap the harvest of. >> That's so sad. It's an awful way to live. And it's such a it's it's such an indication of a lack of maturity, lack of hope. And so that's the stuff you got to work on, Tam. It's not um it it's you know, there's no amount of I mean, if you go make $200,000 a year and you save all of it, he'll he'll spend 300. >> Mhm. >> Because he knows his wife's over there stacking cash. So, he's going to be really he's going to have Hey, I need two boats. Create your free every dollar budget today.