File for bankruptcy or divorce? Indiana woman claims husband ruined their finances. Ramsey says they're both to blame

An Indiana pistillate called successful to The Ramsey Show saying she said she was fed up with her husband’s inability to negociate their finances. But big Dave Ramsey turned the tables, saying it wasn’t conscionable her husband’s responsibility — they were some to blame.

Alyssa from Indianapolis told Ramsey and co-host Rachel Cruze that her hubby had “basically ruined america financially,” and that she was astatine her wits’ extremity (1).

“I’m to the constituent wherever either I’m going to permission him oregon record bankruptcy,” she said successful a clip posted Jan. 5. “I request help.”

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Ramsey asked Alyssa however overmuch indebtedness the mates had, but she wasn’t adjacent sure. She guessed it was determination betwixt $30,000 and $50,000. Further questioning revealed that she herself had a mediocre grasp of their fiscal situation.

Alyssa said her breaking constituent came a twelvemonth agone erstwhile her car was repossessed. She didn’t recognize however they could person fallen down connected car payments. The couple’s income, she estimated, was implicit $150,000 a twelvemonth combined.

Ramsey asked wherefore she didn’t measurement successful astatine that constituent and get progressive with the finances. Alyssa said that she did effort to get progressive “for a small while,” and that she was alert of what wealth was coming successful and what bills needed to beryllium paid, but past she mislaid way of it erstwhile her kids’ sports commitments took implicit her time.

“I conscionable assumed helium was doing what we planned, and I fto spell again,” Alyssa said.

Cruze asked whether Alyssa had checked their recognition reports to spot if her hubby was lying astir their debt, but Alyssa said that she didn’t deliberation that was the case, conscionable that each their payments were down and had precocious fees.

Ramsey turned the attraction backmost to Alyssa’s actions.

“What I don’t recognize is wherefore you’re inactive sitting connected the sidelines and haven’t gotten involved,” helium said. “You’re truly bully astatine lasting backmost and throwing rocks astatine him and you person nary idea, erstwhile each you’ve got to bash is locomotion successful determination and beryllium down with him and the 2 of you get retired a yellowish pad and fig this out.”

Alyssa became emotional, saying that she didn’t cognize what to do, arsenic she had ne'er handled the bills before.

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Ramsey said that helium wasn’t telling her to instrumentality everything over, but saying that she and her hubby needed to fig it retired together.