TX man tells The Ramsey Show he lied to his girlfriend about his debt. Here’s why the hosts say he’s got another problem

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Rebecca HollandSun, December 7, 2025 at 11:00 PM GMT+1 5 min readOn a recent episode of The Ramsey Show, Trey, from Houston, had a confession to make: he’s been hiding how much debt he has from his girlfriend.They’ve recently been discussing marriage and he wasn’t sure how he could tell his girlfriend that he was hiding the $2,000 of debt he racked up in just two weeks (1). That’s on top of the $2,000 debt he had that she already knew about.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI’m almost 50 years old and have nothing saved for retirement. What do I do? Don’t panic. Here are 6 easy ways to catch up (and fast)Co-hosts Jade Warshaw and Rachel Cruze were unclear on why Trey had lied — and how he doubled his debt so quickly.Trey explained he had just moved into an apartment and the furniture he used previously was loaned from family, so he quickly had to outfit an entire apartment, confessing he felt embarrassed to tell his girlfriend. “I didn't really want to tell her that I just did this, because she’s going to tell me, ‘Hey, why did you do that? You didn’t need to do that, we could figure something out.’”Trey made a second confession to Cruze and Warshaw: he and his girlfriend are both listeners of the show and he was certain she would be listening and finding out about the lie in real time.“This is like Maury,” Warshaw joked. “Why did you make it like this, Trey?” she laughed.The hosts first advised Trey that he needed to pay down the debt as soon as possible and cut up his credit card. Cruze said that in a situation where you feel like you need to urgently solve a problem by spending money, it is always wise to first pause and think things through.“The debt industry loves you when you're urgent,” Cruze said.“They find you in crisis,” Warshaw agreed.Cruze said there is always another option and advised that Trey could’ve sought out less expensive options for furniture, or waited to make cash purchases instead of going into debt, since he has a decent salary of $50,000 a year.The other half of the equation, the hosts said, was learning to establish healthy communication with your partner — especially when you’re considering taking that next step to get married.Read More: Here are the 5 market moves you can't ignore heading into 2026 — and what savvy investors are doing now to prepare“Trey, this is an example of just learning that communication pattern. You had a feeling about not telling her, you didn't tell her, but then even still you came on the show as a strange way of telling her. I would just want to encourage you in the future, just if this is a person you love, you trust — go to them and tell them the truth,” Warshaw said.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,870.40 +13.28 (+0.19%)Dow 3047,954.99 +104.09 (+0.22%)Nasdaq23,578.13 +73.03 (+0.31%)Russell 20002,521.48 -9.68 (-0.38%)VIX15.41 -0.37 (-2.34%)Gold4,227.70 -15.30 (-0.36%)Trending tickersBTC-USD Bitcoin USD 89,703.58 +287.77 (+0.32%)ETH-USD Ethereum USD 3,045.48 -2.25 (-0.07%)XRP-USD XRP USD 2.03 -0.00 (-0.05%)SOL-USD Solana USD 131.26 -1.15 (-0.87%)BTC-CAD Bitcoin CAD 124,068.12 +398.02 (+0.32%)PortfolioSign in to access your portfolioSign inTop gainersDBRG DigitalBridge Group, Inc. 14.12 +4.40 (+45.27%)PRAX Praxis Precision Medicines, Inc. 247.99 +58.02 (+30.54%)RBRK Rubrik, Inc. 86.27 +15.84 (+22.49%)VSCO Victoria's Secret & Co. 49.05 +7.48 (+17.99%)ULTA Ulta Beauty, Inc. 601.50 +67.55 (+12.65%)Top losersPSN Parsons Corporation 66.65 -17.81 (-21.09%)ADPT Adaptive Biotechnologies Corporation 14.75 -2.71 (-15.52%)S SentinelOne, Inc. 14.52 -2.45 (-14.44%)AGX Argan, Inc. 313.70 -42.69 (-11.98%)DOCS Doximity, Inc. 45.93 -5.38 (-10.49%)Most activeWBD Warner Bros. 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