Jade, you have got to stop blaming things on the spouse who “sees things coming in”. I hear that from Jade all the time. Just stop. The person incurring the debts without telling their partner is the one at fault. No more blame shifting.

The caller seems to be in denial about her spending and lying. She uses the word kinda a lot instead of just owning it. Her first step should be be honest to herself and her husband.

I couldn't imagine having 165k in non mortgage debt. Thats insane.

Gimme a break. Dude trust his wife she lied and is lying. None of this is his fault

As someone who's spouse lied about money to me, I cannot imagine being told it was my fault because he was scared I'd be mad 😢 She is lying. "Mostly" "mainly" "kinda"... when you know you're married to someone deceitful you stop asking "where were you", "what did you get?" Because you're sick of being lied to.

I’m pretty shocked that they blamed the husband for a moment when they said it’s his fault for not questioning when she comes home with bags from the store… wtf????

Jade, QUIT IT! The husband trusts his wife to make good decisions and she's making excuses for impulse "feel good" buying. She talks repeatedly about instant feelings/reactions. She's ignoring the debt because it doesn't provide instant feelings. She bought a new car using NEGATIVE equity, again to feel good. She's also justifying the debt for the house as "it's worth more."

Imagine getting blindsided by that much credit card debt and then having someone tell you it’s your fault lmaoooo

I love when someone mispronounces a word -no shade, it’s not actually a huge deal-but in a matter of minutes, they’ve convinced another person to START mispronouncing it WITH them. “Accrue” vs. “incrue” in this segment.

"Incruing"? Is that a mixture of "accruing" and "incurring" ? 😂 1:40

BOTH END?!?! SOOO tired of this crap. She’s a liar and she needs to tell him and it’s NOT the husbands fault piss off.

She headed to the mall immediately after this call. Her tell was when she shared that they both "have great jobs" with such confidence.

It sure is hard to be a man. She hides spending and somehow its his fault for not paying close enough attention. "I'm hearing him him him and really its y'all" No it isn't, its her. She's spending on credit cards, she's running up debt. What the hell am I listening to?

Not the husband's fault but certainly his problem. Until she tells him the truth about her continuous poor financial decisions he's never going to get the full picture, Deloney was right at the beginning that he's probably trying to figure this out and fix it from his end and frustrated that he can't get at the problem, while she's sitting there keeping him in the dark (and probably thinking he looks pathetic). Her selfishness and shame is going to destroy the marriage.

She’s speaks in circles and riddles. She’s deceitful. .

Just because the man doesn’t ask questions doesn’t mean his complicit. Obviously, he is not a overbearing person. The credit card debt is totally on her..

You don’t need a game plan before telling you husband. You need to be together on everything.

I was waiting to see how long it would take to blame the man

I love when they say "we make good money" yet you cannot manage your finances

Financial infidelity. You dating a credit card company.

Blame the husband for his wife’s charging and running up the credit card debt 😢. Just sad, people, just sad.😢

I learned a new word today. "Incruing" HUH??

It is NOT okay to lie to your spouse!! This is like another kind of cheating. He trusts you, and you don't deserve his trust!

Ofcourse jade automatically defended the girl “well she didn’t hide it he knows the stuff she bought” um he thinks there paid for she lied it’s not his fault kinda sad they always automatically blame the man when they have nothing to do with it

Stop blaming the man. This is the woman’s fault she must take accountability

What on Earth does “incruing” mean? Is it one of “accruing” or “incurring”? Which is it?

Instead of Ramsey Highlights seriously just rename the channel Blame The Man already.

4:00 this is one of the reasons why the Ramsey net work is declining. Do you see how they shift to what the man is doing wrong. The woman is dishonest. It’s not the man’s fault. Please put Dave back on. He’s really the only one worth listening to now.

That didn’t take long Jade. Typically you blame the man later into the story 😂

God forbid a husband assumes his wife has been completely honest with him. FOH Jade.

Wow, wow, she's been commiting financial infidelity for 14 years and basically being a complete liar and fraud. She doesn't even feel sorry for it, lay into her she deserves it!

It is accruing, not in-cruing (not a word). Think this should be correct on a finance show.

Neither one of them pay attention to what they make or spend. Mortgage, heloc, personal loan, student loans, 2 car loans and credit card debt.

I’m appalled on how they’re trying to blame the husband for not asking questions. Because if he asks, he’ll be demonized as being cheap and controlling. Damned if you do and damned if you don’t. Women always find a way to blame men!! This one is for the streets, she can go deal with her mental issues and gymnastics away from me.

Jade you need to stop. It may be wise for him to pay attention to what is going on but to try to flip this on him is pathetic. She is the one who has been irresponsible and deceitful. Why is it so difficult to tell people to be accountable for their actions?

Yes, Jade, blame the man for seeing a purse and immediately jumping to the conclusion that the woman you trust is hiding things from you. That's usually John's job to blame the man. Jade you are usually more level-headed and able to call it how it is. Please stay that way.

Jade is giving advice and cannot say the word “accrue”. She said “incru” so confidently, the caller said it was debt she was “incruing”. Lol

Jade saying it’s part of the husband’s fault for not noticing 😂😂😂😂😂 wtf 🥴

Woman spends money. Man most responsible

The ramsey show sure isnt doing these women any favors by coddling them. Shes a grown ass woman. She can handle the truth. And its actually insulting to women that the ramsey show seems to think that women arent strong enough to hear that its their fault.

Jade, the word is incurring, not incruing.

I don't feel like this is hubby's fault at all. I think honesty is always the best policy when it comes to stuff like this. I would understand if he struggled with trust after this..in ALL aspects. I hope she finally tells him so that he can cut up her credit cards..its clear she isn't trustworthy enough to have access to them!

The longer you watch, the worse it gets....

They are still blaming it partially on the husband. Maybe the husband thinks it is being paid off. What else is she lying about? Does she have another man on the side? This is all on her. It's not the husbands fault.

If my wife tells me that she has accumulated this much debt, knowing how financially responsible I am, i wouldn't flinch. I will just politely say,'You have to sort it out.' We all have to be accountable for our irresponsibilities.

*be accountable unless you’re a woman. This is the Ramsey show*

I knew how this call was gonna go when I saw the Title and Thumbnail🤦‍♂️🧐

The cards have got to be cut up and they need to go cash only especially her. Between Amazon and Target your household can be poor quick, fast, and in a hurry. Just my humble opinion 😊.

I don’t think incruing is a word. I could be wrong though.

Really Jade?

Don’t defend someone’s stupid purchase decisions. If you’re married, you’re a team. Act like it.

The mental gymnastics these hosts (any of them, it’s a pattern across the board) will go to protect female’s from accountability is astonishing. EDIT: I love how it’s “our issue” when a wife is awful with money, but they turn around and entertain separate finances when the wife is the bread winner

Man.....THAT'S A LOT OF DEBT!

She is deceiving her husband by not being honest about how she is spending her money. His "fault" is trusting that she is spending their family income wisely, which means he is not in a position to hold her accountable for how she is spending.

Incruing isn't a word. I think they both conflated the words accruing and incurring.

This is probably the normal financial situation for Americans. That amount of debt. That is so stressful.

People, always do a credit check on your future spouse and even after

Kate has cheated on him.

Jade, the word is "accruing." There's no such word as "incruing." Or did you mean "incurring?"

Does Dave suggest stopping contributing to 401k to get out of debt then starting back after you become debt free

Accruing not incruing.

He didn’t ask about what was in the shopping bags, because he naively TRUSTS his deceitful wife! I can’t believe they are putting some blame on the husband for HER financial infidelity!! She is being irresponsible and deceitful! No blame should be on the husband. They dropped the ball on this one. 🤷🏻‍♀️

imagine blaming the husband lol jade gotta go.

I don’t understand why she’s so worried about him finding out about the $15,000 c.c. When together they already have over $100,000 debt not including the mortgage.Or did I misunderstand??

Hello everyone,first time here 🙂❤️⭐🌏!

She said they both have good jobs. If so, why does she resort to debt instead of paying at time of purchase? What else is going on?

"He is not asking questions, is on both sides" Way to blame the victim lol

She made it seem as if she only had 15k-ish in debt. Once she spit it out, it's more than 400k. She's deluding herself and probably telling herself all is well, whereas all is upside down.

Poor guy for trusting his wife….

Ffs. Biased towards women once again. You’ve got a woman on the phone ADMITTING to hiding stuff from her husband. Yet you somehow still find a way to blame the husband because “maybe” he’s not doing something. Wow. If this was a man on the phone, the blame would be FULLY on him and you would not be thinking “maybe your wife is at fault here”. Radical feminism is so apparent here.

Husband should run for the hills

It's NOT the husband's fault. However, I must say he has poor judgement of character because he clearly trust someone he shouldn't.

It's amazing how women lie to the people they supposedly love and excuse it by claiming it's for the other person's benefit.

Incruing is not a word. "Incurring" is a word and "accruing" is word. I think Jade tried to mash those two words together to make her own word!

They missed it. Home equity loan is bad decision making all around.

Jade is a joke. If tables were turned she’d give completely different feedback

I didn’t hear Jade blaming the husband. She mainly pointed out it takes two to tango. Like, that the husband isn’t aware of the financial situation of their debts, that does say something. They both never talk about it, they never made a plan to get out of debt, they bought another car on a payment, while her old car wasn’t even payed off. It sounds like they’re married but with their own separate bank accounts and finances. It’s been ignored in their marriage, and it felt to me that she called in for that exact reason. It scares her, and she’s finally ready to face the truth. I heard angst in her voice throughout, that slight anxiety tremor. I hope Kate will sit down with her husband, and start tackling this uncertainty to get out of debt. And to finally turn that wheel 180, to go towards a different lifestyle. What I do wonder, the financial advice given in that last minute is bare minimum. 😅 like you hear all the debts and within one sentence the advice was given and the conversation was shot down. I feel like she needed to hear a bit more on how to start with their debts. But maybe she can have that conversation with her husband and start budgeting their finances together to figure it all out. ❤

What are you doing with your paychecks?

Lml what is your body’s response? “Gaslight him” says Jade. She needed Dave on this one. Be an adult, act like one simple.

Sell the house and pay off all debt with the equity. Then rent for a few years and be happy being house-less, but debt free!

“incruing”

My husband would never trust me again if I got us in $15k debt without his knowledge. I confessed to him once that I tried to always start the dishwasher before I left for work so he would have to be the one to unload. I mentioned it in passing like it was funny, but boy did that become the hot topic. It took him 5 years to quit brooding about that and holding it over my head, even after I apologized profusely. I finally had to beg and plead him to forgive me.

She likes to beat around the bush.

Jade tries to find anyway to also blame the man. That's feminist for you.

$165K non mortgage debt. He has to know about the cars and the student loans (total $85K?). $80K he is unaware of. Really? He had to sign for the home equity. It could be "just" the unsecured loans and the credit card (total $45K) that he doesn't know about. I blame them both - he's chosen to be oblivious, she's taken action without cluing him in.

She's taking advantage of his easy going nature. I agree with Jade's tough love on the husbad bc he needs to wise up, lay down some rules and TUNE IN before she has more "secrets" for him! She doesn't respect her husband, the sooner he figures this out, the better!

i dont think the debt is $15k.

These people are an absolute MESS. If she's lying to him about money I gaurantee she's hiding other stuff from him. She immediately said she's not cheating on him but sorry I don't believe the deceiver. People who deceive don't typically confine the deception to 1 facet. This woman and her marriage are unsalvageable.

I didn't see it as them blaming him but rather working on getting context.

Imagine the husband lives with the side effects of the lies , then she wants to come clean.

The $15K credit card debt she called about is more of a problem because she racked it up without specifically telling her husband about it than the actual dollar amount. They have other debt that has nothing to do with the credit card debt -- student loans, unsecured loans, cars, HELOC. I can hear Dave's voice in the background screaming "Beans and rice. Rice and beans. Sell the cars. Sell the house. Take the equity (almost $300K if her numbers are right) and pay off all the debt. Live in a more modest place while you get back on track."

Live on less than you make. They obviously don’t 😮

I think she has a spending addiction. She's in upstate NY on a government salary yet she has so much debt. She has a huge spending problem.

It sounds like she is still using the credit card, so the debt is increasing.

Jade isn’t gonna last long on this show. She’s also intimidated when she co hosts with Dave, doesn’t speak with conviction

A woman man lying through omission to her husband. There is a shock.

She just talks the 15k but total household debt is about 360 counting mortgage. CC's, auto loans, Heloc, unsecured debt and a mortgage. Theres a lot to keep up with....phew! Very much lifestyle. Never mentioned salaries.

It sounds like their is some sort thing going on with secrets or not nothing go on with secrets and debt not knowing when someone not paying attention to looking away and pretending to look the other way around the street

15k. Or 15 hundred??? Big different

Wow, I thought jade was smarter than this. Imagine if the husband was running up a big tab buying god knows what and these two dorks told her she should pay more attention to what he’s buying and that maybe she should sell her car. Not a god damn chance.