She's Debt-Free At 46 And Ready To Combine Finances, But Fiancé Refuses To Share Account Details — 'You Can't Know What's In These Accounts'
She's Debt-Free At 46 And Ready To Combine Finances, But Fiancé Refuses To Share Account Details — 'You Can't Know What's In These Accounts'
Casey B. RennerMon, February 23, 2026 at 11:31 PM UTC
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She built wealth alone. Now her fiancé wants a prenup but won't fully disclose his finances.
Ann told "The Ramsey Show" she has been engaged for nearly two years and is planning a future with a man who wants a prenuptial agreement but has not fully disclosed his finances.
The 46-year-old Seattle business owner said she is debt-free, owns her home outright and has a net worth between $550,000 and $600,000. Her fiancé, almost 50, owns property worth about $750,000 but still owes roughly $280,000 on the mortgage and carries additional debt she does not fully understand. Both have adult children and separate businesses.
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A Prenup Or A Disclosure Gap?
When co-host Rachel Cruze asked about his retirement savings and total debt, Ann said she does not believe he has any set aside, though she is not certain. Cruze said she would want complete financial disclosure from both sides before even considering a prenuptial agreement.
Ann said he may plan to disclose everything during the prenup process but has hesitated to press for details because she does not want to seem intrusive.
"I wouldn't be able to get close to somebody if they were like, ‘Hey, you can know all of me. Let's get married. But this one, you can't know what's in these accounts,'" co-host John Delony said.
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The House He Won't Leave
Ann said her fiancé does not want to leave the home he shared with his former wife for more than two decades. She offered to build on her land, move into her paid-off home or sell her property to help eliminate his mortgage, but he declined.
She said he wants the home to go to his daughters. Cruze said that can be reasonable in a second marriage with adult children, but if the property is set aside for them, selling Ann's home to reduce his mortgage could mean putting her money into a house she would not inherit.
Different Pictures Of Marriage
Delony said the issue may extend beyond money and property and that while Ann's fiancé appears to care deeply about her and wants a long-term relationship, he does not seem ready for marriage.
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Ann said she recently asked him directly if he wants to get married and he responded, "Heck yeah."
"You’re both using the same word," Delony said. "But your pictures are very different."
As Ann considers what comes next, she is protecting the financial foundation she built on her own.
With no debt, a paid-off home and substantial assets, she is in a position where long-term financial decisions matter. Some financially secure professionals in similar situations explore ways to preserve and grow wealth carefully while maintaining control over their assets.
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