Dave RamseyDear Dave,I’ve spent most of my marriage not being involved in our family finances. She hadn’t been sneaking around spending and taking out debt, she just made mistakes and was afraid to tell me. It’s going to mean a scorched-earth lifestyle and living on a budget, which also means you’re not going out to eat, and you’re not going on vacations. If you’re both willing, you can heal the maths problem, the debt problem and the marriage problem all at the same time. — Dave• Dave Ramsey is a nine-time national bestselling author, personal finance expert and host of The Ramsey Show.