Florida woman whose husband won't stop buying boats and trucks asks Dave Ramsey: Can I just lock him out of our bank?

A caller caller to The Ramsey Show posed a shocking question: “I would similar to cognize if it’s OK if I fastener my hubby retired of my savings account?”

Dave Ramsey raised his eyebrows and replied: “Wow. Sounds beauteous dramatic.”

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Joan from Florida said she was stressed astir her husband’s caller spree of costly purchases, which person drained her savings relationship from $50,000 to astir $8,000.

Over the past year, helium had bought a boat, a motortruck to propulsion the boat, roadworthy bikes and upland bikes.

“For radical who’ve been joined 45 years, y’all suck astatine communication,” Ramsey said.

Just to get this retired of the mode — no, Joan astir apt can’t simply “lock up” her wealth truthful her hubby can’t walk it. Typically, thing that was earned during a matrimony is simply a marital asset, and it is owned jointly. If Joan genuinely wants to divided her finances from her husbands’, her lone applicable mode guardant is divorcement (2). But she didn’t bespeak that enactment is truly connected the array for her.

Joan explained that 20 years ago, she and her hubby amassed large recognition paper indebtedness and had to instrumentality retired a 2nd owe and get against her 401(k), conscionable to get retired of it.

She took connected a 2nd job, and they worked hard to hitch retired the debt. Their $650,000 location is present paid off, and Joan has a $650,000 401(k). Her hubby has thing successful his 401(k). They presently marque astir $82,000 per twelvemonth combined, and her hubby wants to discontinue adjacent year.

Joan’s husband’s status program is intelligibly lacking, and his spending is concerning to accidental the least. But Ramsey and his co-host John Delony were focused much connected Joan and her husband’s communication, and little connected his caller spending spree.

“If you're successful your 60s, and you guys are healthy, you whitethorn person to beryllium warring with this aged antheral for different 30 years,” Ramsey said. “So y’all request to truly enactment connected this and get connected the aforesaid stinkin’ page.”

Ramsey pointed retired that helium and his woman Sharon are overmuch much well-off than this couple, but they would ne'er marque a large acquisition similar a vessel without moving it by the different person.

“We marque the determination unneurotic beforehand,” Ramsey said. “We don’t conscionable marque this up arsenic we go.”