In this episode — the first time Cristina has joined Sherman on the mic — the Merricks get completely real about what 14 years of carrying $203,000 in debt actually looked like inside their marriage. Not the highlight reel. The real thing.

From coupon date nights and putting groceries back on the shelf, to Cristina's heart surgery in the middle of it all, to the night a Sally Mae phone call at a movie theater in Tennessee changed everything — this is the story behind the story.

And at the very end? Sherman admits for the first time that making those big $15,000 debt payments sometimes took him out of the mood. Cristina's response? "I was just happy about it."

As featured on The Dave Ramsey Show, Fox News, and Fox Business.

IN THIS EPISODE:
— What it felt like to carry $203K in debt for 14+ years
— How Cristina managed the budget to the penny before budgeting apps existed
— The moment at Dave Ramsey's headquarters that lit a fire under them both
— Why Cristina kept herself from knowing how much money they were making (on purpose)
— How COVID's student loan pause became an unexpected turning point
— The honest conversation about how debt and big payments affected their intimacy
— Why they never actually fought about money — and what that says about their dynamic
— Tithing, faith, and believing God was in it all along


FREE RESOURCE:
Grab the free Couples Money Date Guide — the conversation format Sherman and Cristina used throughout their debt-free journey.
👉 linktr.ee/1matrimonyandmoney

CONNECT WITH US:
Instagram: @no_debt_life
Apple Podcasts: https://podcasts.apple.com/us/podcast/matrimony-money-podcast/id1527316527
Spotify: https://open.spotify.com/show/1hL94k43BSFPFEXmreQ8Un

As seen on The Dave Ramsey Show · Fox News · Fox Business

FREE RESOURCE:
The Couples Money Date Guide — the exact step-by-step conversation format Sherman and Cristina used before paying off $203K. Download free at the link below.
linktr.ee/1matrimonyandmoney

CONNECT WITH US:
Instagram: @no_debt_life
Apple Podcasts: Search "Matrimony and Money"
Spotify: Search "Matrimony and Money"

As seen on The Dave Ramsey Show · Fox News · Fox Business