Seven shocking debt stories. From secret credit cards and six-figure IRS bills to millions owed, these calls reveal how fast financial stress can spiral—and what it takes to finally face it. 0:00 - I Have Debt My Husband Doesn’t Know About 7:42 - We Owe the IRS $600,000 15:06 - Husband Keeps Racking Up Debt 24:19 - My Husband Put Us in $4.5 Million in Debt 32:02 - How Do I Pay Down Debt With a Wife Who Has No Spending Boundaries? 38:18 - I Have Close to $1 Million of Debt. How Do I Get Out of This Mess? 47:30 - I’m 25 Years Old and $165,000 in Debt 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s Not a Math Problem Quick Read: https://ter.li/2sozx9 Smart Money Smart Kids: https://ter.li/ewwca6 Dave Ramsey’s Complete Guide to Money: https://ter.li/921pny EveryDollar Premium Version Physical Gift Card: https://ter.li/kyld3g Questions for Humans: Intimacy https://ter.li/xa94id