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I am a saver. My husband is a spender. I want to feel secure in my finances and make sure we have enough for a rainy day. My husband likes to be spontaneous and splurge sometimes. We have fought for years about whose financial philosophy is right. Dave Ramsey would call me a “nerd” and my husband a “free spirit”. When trying to compromise on money matters, he has this advice, “Disagreements over the budget are normal. The key for working through them and coming out alive is learning how your different views on money can complement one another.” He lays out several rules we can follow whether we are the nerd or the free spirit: Rules for the nerd: Listen to the free spirit Let your spouse contribute Keep it brief Rules for the free spirit: Show up to the meeting Contribute your opinions Be realistic Dave Ramsey's daughter, Rachel Cruze, helps us to understand which personality we are.  As we follow these rules, we can use the strengths of the other...

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