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He is using her. He is either lying to her or he is just doing his hobby on his wife’s dime. She seems nervous to really face it.

He must be hiding his money. There is NO WAY a person would do that!

How could they NOT ask what this guy’s “business” is?!

She just described my marriage. After the divorce, I learned that my ex had a six figure income from his company yet he had let me assume all financial and credit responsibilities. Did not recognize this as financial abuse until after the dust from the divorce settled.

5k a year😂🤣 People dancing on trains make more than that a year.

'Love you enough to tell you the truth' - That's one strong proof of love, which many shy away from. Well done Mr Ramsey and Mrs Cruze.

He’s playing his hobby while you’re his cash cow. 😬 Yikes

Ur husband is lying ...

I am glad Dave laid it out there and didn't dance around the issues.

He tells you he makes 5 grand a year, that's not what he actually makes. Good grief

Dave nailed it... AVOIDANCE on many levels. Her giggling and laughing while simply talking about it is a coping mechanism of avoidance in itself...

4:42 “You make ten times more than he makes” ... *SILENCE* 🤦🏽‍♂️

Has she actually seen his business finances?? Or is she just taking his word....🤔 so fishy...

This guy has been up to something for a long time. This lady had better get to the bottom of it and today would be a great day to do it.

The fact that she laughs at every time they call out the ridiculousness of her setup makes me think she doesn’t understand the severity of her situation.

To the caller, I totally get it. I’ve been married to a man just like your husband for 32 years. Everything has always been about him and his “dreams.” Nothing has ever been about us. And he has never been willing to get any kind of counseling because nothing is wrong with him, only me. I feel for you. There’s no getting through to self-centered people like this.

The laughing indicates a desire to minimize the seriousness of the situation. I know its hard to recognize a massive mistake that has been going on for many years, but it needs to be addressed with seriousness if it is going to be corrected.

This is beyond her just carrying the household by herself. I'd be petrified of something illegal going on. Please tell me you do not do joint income taxes or have joint bank accounts with this man.

Thanks to Dave in Nov. 2019 we became debt free, we explained our finances to our daughter...she said when she grows up, she wants to be like us. By Feb 2020, she was debt free. She learned those heated seats and car payments did not feel as good as building a home without debt!

I'm glad "Uncle Dave" told her the truth, that Kris darling, her husband is not being a man, he needs to step up and take care of his family. She has to have that talk with him. Otherwise, she will be trapped for life taking care of a grown man! Prayers for you Kris to gain power and strength 🙏. Enough is enough.

"Cuz he's a butthole, or something like that..." 😂🤣😂🤣 love ya Uncle Dave

This marriage is messed up if you read between the lines.

Something doesn’t add up.....

Love with when Papa Dave gets angry and righteous..😅

Hire an accountant and go through his finances. Hes hiding it.

Her laughter is infuriating - hope it’s just a nervous tick.

Complete utter failure. Why continue on the same path? America has a problem with basic math and common sense.

He is stashing his money and will dump her for a younger version...wake up lady

It sounds like he's hiding money, not taking out profits and putting $$ away on the side.

She didn't realize when they said their vows-love, honor, cherish- they were both promising to him. By her tone, she fully understands this since, and is trying to keep it, them, together. I'm worried about her because this was my life for 30 years. He had his own separate bank accounts and our joint account. And then he left the marriage when he had better options for himself- walked in the door one day and told me to "leave as soon as possible so that I can feel moved on" one month before our 30th anniversary. I was mid-50s suddenly without a home, a job, my kid & friends (I had to move across the country), no savings, retirement, and I had believed (stupidly) that we'd grow old together. I was in $10,000+ in debt because I had been using cc in my name only to pay our expenses for years while he jumped low paying jobs (i think they were? i have no idea actually) constantly. No one knew I was supporting us, that we were in debt, as he spent his time on his "real" life- a band. She does need to reach out to a pastor and Godly friends. asap. Will be praying for them both.

Your hubby is happy because he can have a hobby, eat good, life stress free because you take care of him sis. 😬 Better move on, he is a dead beat free loader.

This is one of the most messed up videos I’ve watched. She’s laughing to keep from crying probably. At least I hope! This lady needed to grow a pair a long time ago and talk about finances before marriage. Not now.

What a sad situation. I hope this nice lady gets some help with her marriage.

"This boat needs to be rocked." Well said.

I highly doubt he only makes 5k a yr. I suspect its more that's what he is telling her as he is playing her big time. If it was me I would call in the auditor divorce him and take half of that so-called money-losing company

I called into a financial talk show to figure how to get my husband to get on board with saving for the future and filed for divorce the next day after I was enlightened

He’s stacking money 💰

Glad Dave let loose at the end. It was needed.

I love when Dave breaks it down.

So anyone working at mcdonalds is making more than this guy, loooool

I appreciate Rachel's tenderness but I couldn't wait for Dave to get out the gate! She needs tough love and the truth. WAKE UP!!!

He sounds like a very weak manipulative narcissist and she is completely co-dependent and delusional about the whole situation. Plan your escape without his knowledge!!

5k a year that is absurd

She could be scared to address the situation because he's abusive 🤔

The lady has been submissive to her husband and let him have a hobby while she's the one working and paying the bills. So sad but it's time to wake up and dump this fool aka burden of a husband who's useless

Rachel and Dave: 🙂 Caller: "I'm kinda doing this without discussing it with my husband" Rachel and Dave: ☹️

Excellent advice Dave!!!!

I was laughing as I was listening to this. She's giggling over her husband's making $5k per year. Besides that, she seems to be ok with that. Dysfunctional couple.

There is actually a word for what her husband has but it isn't a 'business'. What he has is a 'hobby'. I have met plenty of self-proclaimed entrepreneurs who rave about their passion and how they 'get paid to do what they love'; yet when you look at their income and compare it to their expenses and amount of time the spend 'working for themselves', then factor in that they get no paid vacation, no retirement plan, no Dental or Health insurance.....But you are a Monster when pointing out that they are making out substantially worse off than minimum wage.

Correct me if I'm wrong! But this husband has been earning $5k profit per YEAR for the past 10years and had not realised this was a failed business🤔 No no no...! Let me put it in easier terms for you to digest. Divide it into 12months and that would be $416. Let's divide that in weeks... that's $96 per week..how about days? Sooo That means his daily profit rate is just $13 ( everyday). Mate! Mate! Mate! This is a clown move and your wife is earning 3k per month???? Are u kidding me? So his poor wife is footing all the Bill's whilst he continues to play with his childhood toys.😤 Its obvious what he is doing. WIFE! He is using you and you clearly are his SUGAR MAMA! And yes! Sugar mamas can finance men on 50 something K a year! You need to get your groove back! I'm so vex😡

Sounds like hubby has a secret life

He's probably making more but hiding it from her.

27 years. Wow

Similar situation happened to my aunt and turns out he had a second family he was a supporting

Thanks Dave...I'm fuming cause I see it too!

Gotta appreciate Dave when he tells it like it is! I hope the poor lady is not in some sort of abusive relationship and that is why she seems to not want to create conflict. If she's not, she needs to put on her big girl pants and give her husband a big reality check!

poor lady. she married a dud. 27 years down the tubes. you’re still young Chris. cut your losses and run!!

HE IS SOCKING THE PROFIT AWAY FOR THE DAY WHEN HE WANTS TO LEAVE ! OR, HE IS SUPPORTING A SECOND FAMILY

He's hiding money & has something, or someone, he's spending it on

Sounds like someone has a business that brings in mostly (unreported) cash.

Dave never asks what business people are in who "run their own business", because he knows that half of them are MLM distributors and he doesn't want to say that's a scam even though he knows it is.

I like how Dave gets real at the end. She don’t want to hear it though

The husband is an entitled narcissist

She is too nice. Her husband is taking advantage of that.

She keeps laughing and with the look on their faces you know they're both thinking this ain't a funny situation

His Pastime is important than anything else. I can't believe the lady has been supporting a man like this.

Why does she keep giggling? There's nothing funny about your man making 5k a year.

5,000 a year for 13 years is unacceptable. My father in law did that to wife’s family and put stress on the entire family

I was starting to think dave was being a comedian to her,she laughing like its all a joke lol

Let me tell you this lady YOUR BETTER OFF SINGLE 🗣

I would never allow my wife to be the only provider financially. No matter what. I saw what that's like growing up and it hurts to think how much my mom struggled. Now that I'm older and have my own bills to pay, I have no idea how she managed.

I have so much respect for Dave for telling people what they need to hear and not what they want to hear.

I absolutely love her personality lol she's so chill

Messed up is an understatement.

The fact that this women laughs every time dave slaps some reality to her face really frustrates me

She has never seen the books for her husband's "business". He is lying about profits so she will keep providing. He is super dominant and withholding. She is dominated and conflict avoidant. What a sad mess. A divorce lawyer could get access to those records but you are likely not going to go down that road.

The “company” is just a hobby of his

I agree with Dave and I think this is an abusive marriage and she is starting to wake up I hope she is alright

I feel so bad for her! Glad she called in maybe this was good for her to finally hear💙💙

Profit is NOT pay. What does he bring home for PAY?

Lots of spouses are hard to get on board when it comes to finances.. I actually interviewed a divorce attorney on my channel on how to keep your money in a divorce.

He wants the freedom to work when he wants to. Pretty much. As long as she pays all the bills he will not feel the urgency of hustling harder. 13 years and only making $5000 a year is unacceptable.

This is a disgrace, why is she putting up with this?! She might as well be single! She needs to take a look at his books and see where all the money is really going!!

He's either got some girl(s) on the side or is stashing money for when she divorces him.

If he keeps most of the profit within the company, that means he's using the business as an appreciating asset, making as little take home pay as possible to pay less in taxes. Isn't that normal for ALL small business owners? I have a feeling she doesn't know how much her husband actually makes.

This is a marriage problem AND a money problem. She sounded said when said how long they had been married.

We need more Rachel Cruze. I really like her perspective and the way she handles the various callers. Calm, smart, and to the point.

Sweetie you're getting played. He's straight finessing you. He's telling stories about the money he's making.

He either thinks she's too stupid (or scared) to notice he's getting a free ride, or he's hiding money from her. She's just woken up to the idea of handling finances in a more mature way, but is realizing she's gonna have to poke a sleeping dog with a stick. Could be good for their marriage, but her nervous laughter tells me she's more afraid it will destabilize a lot of things.

Imagine the gender roles reversed. Husband makes $65k, wife does what she wants and makes $5k. Bet their reaction would have been much different

Let's be honest....he doesn't "work" he has a hobby that sometimes pulls in a little money. He doesn't want to work. Rachel is right, people really hate the idea of having joint bank accounts SMH. Marriage, healthy marriage is working as a team and sharing everything. If you can't trust your spouse with finances you shouldn't be married.

Whats the rest of the story??

Marriage counselling big time......needed here .......

I would of addressed this 10 years ago. At this point he’s not going to stop what he’s doing. He doing what he want and you’re paying for his living. I’m guessing they don’t want to retire.

Husband probably has a second wife he supports

$1.00 an hour. Holy craptastic. That should be a slap in the face.

What kind of business does he have? She's an enabler. Poor thing. She's not seeing her role, in this. It's time for her to take accountability, for her own victimization. Unless, she likes playing the victim.

These calls are absolutely painful. Common sense, people.

He has no conscience and she acts clueless. Wonder if they do joint taxes and if they get a refund no doubt who keeps it. How can a woman put up with this???