I hadn't heard about Dave Ramsey until recently. I think he's on to something.

I've read a number of frugality/financial philosophy books and most of them assume that you and your spouse have agreed on or worked out how to handle finances. They also assume that you and your spouse have similar financial philosophies. While I haven't read (or listened to) Dave all that much, he appears to give way more information about the process of working out and agreeing. And his work seems focused on getting you and your spouse to work together.

I talked DH into reading The Total Money Makeover book. DH hates to read books of this nature, and generally he'll agree to it and then not follow through. (I, on the other hand, read this kind of stuff as bed-time reading. Go figure.)

So far DH has read to part of the way through Chapter 4. His response - "I already know all this stuff except the thing about the Visa debit card."

Since he "already knows all this stuff" I started with Chapter 5. I know a lot of this stuff, but not all, and the way he prioritizes finances into steps could be really useful. I think I need to read a different book of his to learn more about working out a budget with a spouse.

Stay tuned. If DH is not done with the book by the end of June, he's not going to read it. And I'm not going to bug him about it - that won't turn out well.