 That's a red flag if she's unwilling to even move forward in this money journey with you. And I think for a season, you co-lead. Right now, I don't think either of you should be like, I'm taking the reins, just trust me. That's a terrible financial plan in any marriage. There needs to be communication, accountability, and alignment. That's where Financial Peace University is a great tool. And when it comes to this, the credit card, the debit card, it's too easy to get money out of the bank. I'm like, do you know where credit card debt has to get paid from? Your bank.