Personal Resource Center

The resource center provides you with access to tools and information to help you best manage your business. Take advantage of our in-depth content, weekly business columns/blogs, tools, industry solutions, and much more to grow your business.

Dave Says

Dave Says
Dave Ramsey is America's trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

Make the Decision with Her

Make the Decision with Her

Dear Dave,

My wife and I just started your class, and we're determined to get out of debt. At the same time, I'd like to do something to reduce the stress in her life. She's a nurse, and she works three 12-hour night shifts a week. I'm a teacher, and I think we possibly could get by if she cut down to just two nights a week and worked part time. Would this be a good idea?

Randy

Dear Randy,

The truth is there’s no “possibly” involved. Even without knowing your income and other numbers, it all boils down to one simple question — can you live on that?

It’s a simple math thing. You need to look at your income and her income at 24 hours. Then, go over all of your bills and make a budget. If you can live on that, and it’s what she wants to do, you have the answer.

There’s no reason to do this immediately, either. I mean, we’re only talking about one day a week. Chances are it won’t change your lives that much. It probably won’t hurt anything if she works her regular hours through the end of the year. That way, you guys can keep looking at the numbers and decide on what’s best.

You obviously love your wife, Randy. But remember, this is up to her, too. Continue, with her, walking through the idea and the numbers. Make this decision together, so that you’ll both be happy and it will be a blessing in your lives!

- Dave


Read other financial blogs


Dave Ramsey is America's trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
Credit card

Lost/Stolen Cards

Debit Cards Call 1-800-554-8969, Credit Cards Call 1-855-279-1051
Discuss (chat)

Contact Us

Call, come in, click. Here are all the ways to reach us.
Paper and Pencil (alternate)

Open an Account

Already know which account is right for you? Start here.