Sarah, a caller from Fresno, California, told "The Ramsey Show" she applied for a mortgage forbearance without telling her husband, allowing the arrangement to continue for nearly a year before she disclosed it. She said about $16,000 in missed payments had been added to the end of her loan by the time she told him. After hearing the details, personal finance host Dave Ramsey said immediate trust should not be expected after prolonged financial secrecy. "He'd be nuts to trust you instantly," co-host John ...