Dear Dave,I got married in May, and my wife brought student loan debt into the marriage. I had some savings before the wedding, and I could pay this off immediately without putting us in a bind. But is this “her” debt, or should I look at it as “our” debt?—ErnestDear Ernest,Absolutely, you should view it as “our” debt. It came with the territory when you two walked down the aisle.A lot of people don’t use the old-fashioned marriage vows anymore, but The Book of Common Prayer reads, “ … for richer, for poorer, in sickness and health, and unto thee I pledge my worldly goods.” Basically, that means you’re saying, “I’m ready to take a bullet for you. I’m going to do whatever it takes to serve you, and vice versa.” You’re joining your separate lives into one.In addition to all this, you guys need to be in agreement on how you’re going to handle money. In other words, it all gets worked out together with both of you sitting down and planning your financial future as one. This is called a budget. Like everything else, you work on it together. It’s not a situation where one of you is making all the decisions or bailing out the other.But if you guys are on the same page — if your relationship is healthy and you’re in agreement about moving forward with shared dreams and goals — then I’d say write the cheque today and knock out that debt!—DaveDear Dave,What is your opinion on wholesale club memberships?—AnonymousDear Anonymous,My wife and I are members of Costco and Sam’s Club. We don’t buy everything at these places, but do they save you enough money on some things to justify the annual fee? I think so.The biggest problem most folks run into with wholesale clubs is overbuying. I mean, who needs nine gallons of mustard? You don’t, unless you’re in the restaurant business. So, if you don’t need at that level and won’t use at that level, don’t buy at that level! You’ve got to shop around and know your values.Lots of people think overbuying isn’t a big deal, especially if it’s something that only happens by mistake once in a while. But the truth is it’s really dangerous. You should plan your shopping the same way you plan your budget — with great care and common sense. If you don’t, you can end up spending way more than you can afford on things you’ll never use. Talk about dumb!—DaveDave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.