Rachel Cruze

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Normal is broken, common sense is weird, so we're here to help you transform your life.

From the Ramsey Network in the Fairwinds Credit Union studio, this is The Ramsey Show.

Rachel Cruz, number one best-selling author, Ramsey personality, co-host of Smart Money Happy Hour, my daughter is my co-host today.

The phone number here is 888-825-5225.

The call is free, and some say the advice is worth exactly what you pay for it.

Chris is with us in Cedar Rapids, Iowa.

Hey, Chris, what's up?

Okay, so... I'm sorry, how long have you been married?

Oh, my goodness.

Okay.

So if you're looking for a way around dealing with your husband, there's not one.

The only answer to your question is that he completely puts all the cards on the table face up and sits down and explains to you exactly where you are, and then you'll know where you are.

And then you guys lay out a plan.

If something happens to me, honey, this is what I want you to do here.

This is what I want you to do here, and you'll be taken care of, and you'll be fine here.

And if he won't do that, you're going to have to hit him on top of the head with a two-by-four.

I have nothing.

I don't know what to do.