Jeff from Austin thought his daughter had done everything right with her finances. She followed the baby steps, built an emergency fund, contributed to her retirement account and kept a strict budget. But a recent call to “The Ramsey Show” revealed how one hidden decision by her husband turned their family upside down. Financial Confession After A Major Blow “My son-in-law came to confession to all of us,” Jeff told co-hosts Rachel Cruze and Jade Warshaw. “He did day trading and essentially was financing ...

Rick Diamond/Getty Images) Key Points Couples who combine finances report stronger marriages and higher wealth accumulation over time. Separate finances function like concentrated investments and create fragility when one income disappears. Shared accounts provide diversification that mirrors how investors spread risk across multiple holdings. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than exp ...