Dear Dave: I make $2,100 a month after taxes, and I have accumulated $46,000 in credit card debt. My husband makes more than I do, but he won’t help me. He says I got myself into this mess, so it’s my job to stop being irresponsible and fix it on my own. Do you have any advice?
Dear Peggy: You’ve got a load of debt hanging over your head right now, but I think you’ve got bigger problems than that. You told me you’re married, yet it sounds to me like you two are living entirely different and separate lives. This seems more like a roommate situation than a healthy, loving marriage.
I don’t like your husband’s attitude, but he does have a valid point in one respect. You were irresponsible with money. My big question is this: Where was he while all this was going on? Were you hiding it from him? And where was the communication? Married people can’t live this way and win in their relationship or with money.
The two of you desperately need to seek marriage counseling. You and your husband obviously have no trust or respect for each other, and there’s a definite lack of communication, unity and shared goals.
A little maturity, extra work and living on a simple budget will go a long way toward fixing the personal finance issues. But your marriage is in big trouble, Peggy. Please seek help!
Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.