Be there for each other, and don’t give up

  • Dave Ramsey

    Dave Ramsey

Dear Dave,

My wife and I both lost our jobs a few weeks ago. She began a training course for a new job last week, and I’ve been interviewing. We cashed in an annuity the other day because things have been tight, and we were wondering if we should use it to help continue paying down debt, or simply live on it until things get better.


Dear Vernon,

You need to be honourable and pay your debts, but that may have to be put on hold for a while. Right now, it’s more important to have food in the house and keep the heat on.

If you haven’t done so already, contact your creditors and explain the situation. Let them know you’ll make things right with them as soon as possible. I know this is a scary situation, especially around the holidays, so make sure you two pull together and keep the lines of communication wide open. A few extra hugs wouldn’t hurt, either.

The good news is it sounds like things may be looking up. Support your wife all you can in her new job, and make sure you continue looking for work, too. A little extra money is better than none, so take on something part-time while you’re looking for a permanent position.

God bless you two!


Dave Ramsey is CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 13 million listeners each week on 585 radio stations and multiple digital platforms. Follow Dave on the web at and on Twitter at @DaveRamsey

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Published Dec 23, 2017 at 8:00 am (Updated Dec 22, 2017 at 7:00 pm)

Be there for each other, and don’t give up

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