An underlying lack of character and respect

Dear Dave, I just got married a week ago, and my husband and I are already having problems. While we were single, we practiced doing budgets together, and we agreed to follow your plan and get out of debt. The other day, we sat down to our first budget meeting as a married couple, and he told me he doesn’t consider the balances on his two credit cards to be debt. He said he plans to keep them for emergencies, but he’s still using them for everyday things. He’s 33, and I’m 31. I really want this marriage to work...

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