You need actions on debt, not words

  • Financial advice: Dave Ramsey warns against buying things just to impress other people (File photograph)

    Financial advice: Dave Ramsey warns against buying things just to impress other people (File photograph)

Dear Dave,

My husband and I have about $20,000 in credit card debt, plus payments on a new truck. We also have a camper he bought before we got married that weíre still making payments on. I recently received a $50,000 inheritance, and Iíd like to use that money to help get us out of debt and open a savings account. My husband says he is on-board, but he keeps buying things we donít have the money for. I donít want the inheritance to go to waste, so what can I do?


Dear Tessa,

I want you guys to get control of your finances and have a better life, too. But until your husband is willing to get rid of the camper and the truck, Iíd hang on to the inheritance money.

Right now, you need more than his words ó you need his actions. At this point, the real issue isnít the debt or the idea of using the gift you received to pay off the debt. The issue is you canít see a future where your husband isnít going to repeat the same financial stupidity. You need to have that future cleared up, and it isnít going to be cleared up until he proves he has changed his heart and his ways. In his case, that means showing he has become a grown-up and isnít buying toys he canít afford any more.

I know where you are, and I know where he is right now. Iíve been there. Years ago, I was a ďgrown manĒ but I was still really a little boy buying things I couldnít afford to impress people I didnít even know. This guy likes stuff. He likes shiny trucks, shiny things to pull behind shiny trucks, and that sort of thing.

But itís time for him to sell all that stuff, grow up, and start putting you and your family first. Keep talking to him. Explain how important it is to you that youíre both on the same page financially and in every other aspect of your marriage. Until he proves heís ready to do that, though, Iíd say just hold on to the inheritance money.


ē Dave Ramsey is CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 14 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at and on Twitter at @DaveRamsey.

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Published Jan 19, 2019 at 8:00 am (Updated Jan 19, 2019 at 1:31 am)

You need actions on debt, not words

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