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1. Dave Ramsey is kind of trash. Go read Tori Dunlap's Financial Feminist if you want some legit advice for anyone who isn't a rich white dude. Tell him to read it too, though that doesn't seem like his cup of tea (haha).

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   Now, you should absolutely have separate accounts, aside from a joint one you both pay the bills out of (i.e. shared living expenses). It's not about trust, it's about independence. It's about security and freedom, because even married (or engaged) those are still very important things. I would venture to say you're not the one in need of therapy if he can't understand what a boundary is and thinks Dave Ramsey should be the one dictating his relationship. Communication and trust don't cease because of having different bank accounts.

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   My advice? Don't marry him. If he can't trust you because you have separate money, that's not a great foundation for a marriage.

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