FRANKLIN, TN - Dave Ramsey knows a thing or two about marriage, having been married for more decades than most of us have been alive. 

How does Ramsey woo his wife, Sharon, on Valentine's Day? With an empty budgeting envelope, of course.

"Honey, I got you something special this year: a spending envelope of your very own," Ramsey said, beaming, as he handed the custom-made paper envelope over to his wife. "You're welcome." Sharon then asked if they could go out to dinner but Ramsey shook his head: "Nothing left in the dining out envelope, honey. Sorry!"

"Just remember, don't spend it all in one place. Actually, don't spend it at all. Save it. If you live like no one else now, later, you can live like no one else."

Luckily for Ramsey, he picked up a nice couch at the thrift store recently to sleep on. He paid cash.