that is so scary to almost lose your home, have unpaid bills in front of you, and STILL choosing to ignore it and spend money on unnecessary things! and she's just laughing about it
some people laugh as a nervous/anxious response so I'm not totally sure it's fair to say that means she doesn't care. I do think some people choose to ignore their finances out of fear, and that is probably at least partially at play.
@@sardonicprincessI don't think that would help. Divorce is costly and it's not as if it was only one of them who spent too much without thinking. So even if they divorce they would still need to pay all that money.
@@pennygivan2551 My question is most rescue organizations will cover expenses for their fosters. If she really wants to rescue dogs, she could just become a foster home and bring in dogs for whom basic expenses are paid.
@@marys6610 I foster and probably spend about $300 a month on food (special diets) litter, and random incidentals. I foster for an organisation who doesn't have the capacity to provide the basics so they'll pay for the vet but that's it. With that said, this is $300 AUD in 2024, not $600 CAD in 2008 haha. Unless she was paying for their vet bills I don't know where that money went
@@ELMor8443 Im at about the $300 mark also with 2 senior cats, that includes medications for my one who has a chronic health condition. The past 6 months have cost over that just with the repeated vet visits.
Agree on secret challenge. I thought it was supposed to be financially related, proving a point that it adds to thr debt. His secret took it to a whole new level lol
I’m so happy to see you reacting to Til Debt Do You Part episodes! They’re what helped me first realize how to set a budget to get debt free and helped me pay off my credit cards. :)
Their secrets....hers was revealing and admitting to something she did wrong, but his was just blaming her for him not getting something he wanted. I dunno it seems like he didn't want to reveal or admit to anything he did wrong and just wanted to blame her for his frustration.
yeah, the secrets felt a bit uneven. We'll never know if it's because he resented her, if he didn't have any to share, or didn't want to share, all or none of the above.
I have 2 cats both on prescription pet food, which is a little more expensive, and monthly it’s only about $75 for both. Total maybe 100$ / month for all of their needs. $600!!! 20 years ago! Wth
I loved this show as a kid/teen. I found it so fascinating and I really owe a lot to Gail for teaching me how to be financially responsible. I still recommend her books to people, even if they aren’t “current”, they still go over how to have a budget and manage your income. Edit: “current” meaning she often makes references to interest rates that were much higher in the late 00s than what we see now. But the general practices and ideas remain the same.
I agree with your take and think this episode missed the mark in many ways. For example, I was sure that one of the challenges would've been related to transportation (trying a one car household for a week, try biking to work for a week, etc.). Also, like you, I think the public secret telling was a bit much. I think something that could have been said/taught is that their family can reallocate some of the animal rescue funds towards a relationship or family therapist. Or they could have worked together on a task that requires communication for the third challenge.
A transportation challenge could have been a good one, and one the show ha done before so I think it could have been in their wheelhouse. I like your suggestions for the third challenge as well because it could have been so many things to get them speaking or working together. The show has done scavenger hunts or puzzles before, which I would have much preferred.
:''') I'll try to watch this one again later but hearing the wife talk about having phones shut off or on the verge of losing their house reminds me far too much of my parents, who got our water+internet+phones shut off multiple times and had 3 separate major events in 2 years with the same "almost lose the house" issue. Little too close to home this time, but I'll come back for this one! Merry vidmas!
I also relate. We’d go on super extravagant vacations and then come home to no power or water. I’m very grateful to be in charge of my own finances now
Never been this early to a video before. I’m excited! I’ve really been trying to de-influence myself so much more lately. I never thought of myself as someone who is influenced easily but watching your content has gotten me to do some serious self reflection. Keep up the amazing work! ❤️🙏
I’ve been binge watching these ever since you introduced it to us in your first video! I already watch “I’ll teach you to be rich” on you tube. They are longer podcast style episodes but he really gets into the psychology of why they are doing certain things with money. He talks to different type of couples in different income brackets.
Vet bills, training, food, vaccines, preventative care, speciality diets all add up when you’re rescuing animals. But on the flip side so do things like unneeded accessories, fancy treats, etc. So I don’t think the amount itself is unreasonable, it just depends on one’s budget and what it’s actually being spent on. :)
Love the cozy couch! I also picked up on a vibe from her. It’s the way of wording that nudges you into an understanding that is not reality so when they’re caught, it was a “misunderstanding.” Specifically the “I talked to some people about extra work” as opposed to “I picked up enough extra work from people in the office to get the extra income.” Her confession, too. It was 3 times more than I said but no actual amounts. So he has to do the mental labor of trying to remember what bull💩 amount she told him however long ago? She seems very cagey. I lived with cagey for two decades and she was definitely tingling those spidey senses.
I think you were touching on a good point. I think this is deeper. I would bet good money he's a distant spouse and she over spends for quick serotonin boosts.
I kind of disagree with you on the woman's end with the extra hours challenge. Remember she has 2 kids at home, one of which is 3. Someone needs to care for the kids, make meals, do laundry etc. Its not like she can just go pick up a second job.
you're right that the hose work seemed to be something that she took on. There were a few comments in it in the show that made it seem like she didn't fully enjoy that role and may want it more split. I cut some of that commentary out because it felt more like speculating. I mention this to say, that how the housework is divvied does impact her ability to work if she is the one taking on those roles. I should have spoken more about this in the end, and glad that you mentioned it.
animal care is expensive especially once you have multiple. how many? do they need special diets? if its a rescue they likely are constantly getting stuff spayed/neutered. raising puppies... toys. special care like medications.... i had ONE sick elderly cat and i spent so much on her end of life care, going to the vet once or twice a month.. if they need labwork or imaging or surgery. if shes running a real rescue id imagine you need some kind of insurance maybe??
Yea I have four pets and until my kitten got old enough there were four different diets (now three) plus nearly $2000 for annual checkups/vaccines/etc. and having at least one necessary surgery per year (spay/neuter, dental work for two of them, etc) - it adds up so so fast.
Another cozy evening with your videos! I’ve been so much more careful with my purchases this season bc of your content. So yey to enjoying and learning 🎉
On the secrets one, I think we forget there’s a whole TV crew and how large all the equipment was back then. Recording it in private would only feel private to us the audience. Plus doing it in a public setting means when the episode airs on TV they’ve already come to terms with these secrets being public.
100 usd monthly on pet food (I buy like high quality food), my dog is medium so it last around 4-5 weeks depending on the season (she eats more in the winter)
wow, this was a rough one. mostly because i kept thinking of how many other little lies from the wife turned into the big lie of ignoring that amount of debt. if my partner was that frivolous with Both our money, i'd have to either go to couple's therapy or i'd be out of there. hopefully they were able to get the help they needed behind the scenes. i wish that instead of another vacation where they have more opportunity to spend money, they were given an amount off their debt. that would've been much more encouraging than another obstacle of spending/the possibility of spending. especially considering her lie being "those vacation things cost 3x the price i told you". on the other hand, and most likely the intention of this gift, it's an opportunity to keep yourself in check and see how much you save compared to last vacation. hopefully this helped work long term, the wife seems to be the one who has the hardest time (probably because she was the one causing most of the issues). hopefully she was able to get her dog rescue back in working order without all that debt hanging over their heads. great video as always, loving your coverage of these eps! 💖
I never knew this show here in France, so i really love that you both made me discover it (did i watch several episodes since your last react? Yes xDDDD) and now are commenting it ❤ i love your insights on this 🙏
I can't speak for how much dogs cost, but I have 2 cats. I budget about $175 a month for them. That includes pet insurance and prescribed food along with other supplies. They're pretty spoiled, so if I had to cut back or swap to cheaper options, I could.
nsf fees are overdrafting. it's not from bouncing checks. that's usually listed as a separate fee (and is usually less) along with the check not clearing (I work for a credit union lol) that's from her swiping her debit card and not having the funds, her bank let her go negative, and essentially charged her a fee to cover the purchase. which, 9/10, is something you can OPT OUT OF. 18:40 OH MY GOD THE BODY LANGUAGE SIGNAL!! "I promise!" **shakes head no.**
I have 3 dogs on grain free "fresh" refrigerated dog food because they are old and have seizures when they aren't on this diet and it cost me about 400 bucks a month, plus allergy medicine and special shampoos for skin problems. $600 a month could definitely be true
Dog owner here. How much a dog eat depends on what type of breed you have and the age of your dog. Our boy hardly ate anything when he became 15 years old. Next is what type of food you give to your dog, the good guality ones are expensive, but you can buy them in a big batch and it'll last for a while. What type of breed do you have, if you bought a pure breed with a certificate, it'll be expensive as hell. Then there're the visits to the vet. If your dog isn't suitable for specific kind of weather, you'll need to buy some kind of dog coat to protect the dog from cold. And if you want to do some dog shows, it will cost more money. If you'll gone for a while and can't take your dog with you, you need someone to do it for you, in the worst case, you'll need to hire someone. So yeah, animals are expensive.
this videos esp the reality ones i always have in the back of my mind when I spend my money, which helps me be careful of trying not to spend all my money
About 10 years ago (I was in my early 20s and didnt have any credit.) I had to buy a car. It was 5k and the interest rate was in the 20s. My boyfriend (brand new at the time) begged me to let him just pay it but I felt like I'd be taking advantage. After months of not making any headway I finally agreed to allow him to pay it and I'd pay him back. The amount was the same if not more than when I first started. I paid him back (with reasonable interest) and I'll be forever grateful. 10 years later and we're still together. That man saved me in so many ways.
I foster cats, at risk kittens at that, the rescue helps a lot. Between food and litter I pay $35 a month at the very most....in 2024. But I'm also married to a man who spreadsheets everything. Our only debt is our mortgage. These people stress me out too!
I dont currently have a dog, my senior passed away earlier this year; but I do have rescue rats and can say what an average ish senior dog bill looks like. I average right now around 100$ a month generally, without vet bills/sick rats lol- that is bedding and food currently, and putting whatever is left aside for their vet fund. Ive spent in the last 3 months around 1200$ getting all of my 10 rats seen and treated for URI- including their followup. I had a 15 year old min pin. He ate a mix of kibble and wet/fresh foods at the end of his life, but he was on the farmers dog before. It was definitely around 2 to 3 hundred dollars a month, with an added 50 or so dollars for his medication for arthritis. My main question is: shes not actually tracking anything. The dogs do seem healthy, but 600$ a month is kind of a lot without an additional information. Its not the most Ive heard people spending, especially if your pet is on a specialized diet or is in medication/needs blood work more regularly.
We all might have wildly different answers to your question, but for me I spend about $100 a month on feeding two dogs (a large one and a small one). This covers one large bag of dog food from Blue Buffalo, which is a more expensive brand ($70 a bag vs $30 from cheaper brands), and random treats like sardines, Greek yogurt, canned pumpkin, etc. I mentioned the cost of the bags dog food because even with an expensive brand I’m only spending total $100 a month. I don’t know how you would rack up to 600 unless you were taking care of 10 to 12 dogs.
Pet owner here, it sounds like she’s maybe spending a lot on vet bills and that she’s fostering dogs until they find forever homes. Maybe some of the animals she hosts have health issues and that’s where the money is going?
Oof, I also didn't like the public confession challenge, and I can't entirely explain why. I don't think that extra shame and drama was what was needed here.
vet bills, food, repairing the house?, beds, toys, treats, grooming, shampoo/conditioner, dog training class? it depends on how many dogs too. bigger the dog- more expensive the vet bills, flea tick etc pills, & check ups sometimes
I’ve visited an adorable cat rescue based in the owner’s suburban house and know of a cat cafe in a renovated house. I can’t imagine how a residential rescue would work for dogs though.
I have wondered if they have to claim the money/trips as a gift/prize income towards their taxes. If so this really is of no benefit to them long term.
When my ex-husband died, my children and I found out that he har over two hundred thousand dollars in consumer debt. His house was paid off. There was nothing in his small house that would explain that amount of of debt. He had a new car but nothing else really. We still don't have an explanation. He was an alcoholic so that may be part of it. Either that or gambling debts. (He had problems with gambling in the past.)
I have some qualms with the way the show handles certain things and obviously some of it is out of date at this point ($100/week for a family for groceries??? I wish…) but I love Gail so much and even as someone who is relatively fiscally responsible I’ve still learned some things from this show which is cool
I spend $100 a month feeding and caring for 3 dogs. $20 every month and a half on the cat, and $ 80 a month on the rabbit. During spring and summer I do but flea and tick medicine which totals about $600 a year but worth it to not have fleas. $30 a year on worm meds for them all.
Have you considered watching or reacting to Ramit Sethi’s show or TH-cam episodes ( I Will Teach You to Be Rich or Money for Couples)? He does similar reviews of couples financial plans but they’re much longer episodes - he really approaches from a place of inclusivity and empathy, which I appreciate!
This perspective very much highlights the way generation X was raised vs. how things are now. Shame, public ( like neighbors are going to tell mom if they see you step out of line) fear of shame , were all part of growing up. The newfangled thinking you so eloquently discuss is as foreign to some of us as the tactic of shame used in the show is to you. Just an older lady perspective on the “ why’s” of Gail’s tactics.
Aside from our house which we're paying off early, the only thing I ever "finance" is vacation, which I pay in 3 installments with my debit card. I LOVE making that last payment so I don't have to think about it anymore. If we had the amount of credit card debt that these people have, I'm sure I'd never sleep. This is so anxiety inducing, oh my goodness.
My household has five pets (a dog and four cats). I’m a vet tech and get a good discount for their food but monthly costs for them are probably like $300 total (for food, treats, litter, etc.) in 2024 money. I don’t know how many pets this couple is fostering of course, or how big the dogs are, but $600 for just food does seem like a lot…
Each of my dogs (2) eat a 110$ bag of dog food every 1.5 months, one dog takes medication that is 332$ a month. Keep in mind this is 2024 inflation pricing and not what i'd pay in 2009 but i can afford my large dogs and their expenses. but dogs especially when they have complex needs are expensive.
The secret challenge was awful. I hate that not only did they have to share this publicly but the fact that they were going to be sharing it over a loudspeaker was sprung on them after they had written down their secrets. Awful.
I wanted to speak to your comment…”you can’t get into 73k in debt without willful negligence” and while that seems to be the case with this family, here in the US it’s quite easy to get into that much debt from a medical condition. While that is unlikely in Canada, medical debt is quite common here and accounts for 66% of all bankruptcies filed. As for the animal rescues…I do foster animals and will aid other fosters with high medical bills, the cost are factored into our budget and I have it to spend. I’ve not watched the whole of the video but I will say that if you have a special needs animal under medical care, those bills can far exceed $600 and I don’t just mean in 2024. Though I wish this lady had not put her family at risk and sought other rescues and vet clinics for assistance with the cost of her rescues.
You can't rescue animals when you're on track to lose your home. Sometimes it's easier for us to focus on other people's (pets) issues rather than our own.
Check your interest rates 🗣️🗣️ if your interest rate is higher than your savings account rate, then you are losing money. Don’t let salesmen scam you with a high interest rate
I have so many thoughts on this. I think far too much blame was put on the wife. Having been in her shoes with a husband who takes ZERO part in finances takes the stress level of it to a whole new level. Did she do wrong? Yes. 100% and I have a whole lot of thoughts on that too. And I think she learned more from this than he did. But I find his inaction up until this point far worse. And her complaining about him always wanting to talk about it now that he's involved? I would bet my paycheck she's talked herself blue in the face to get him involved and he wanted no part of it. So now that he's finally involved, she doesn't want to hear it from him like he's some savior putting their finances to right. Maybe if he had been a partner from the get go things wouldn't have gotten as bad and she would have had someone to help hold her accountable. And his secret?! My dude, get your butt up early in the AM and go for a run, lift some weights. Blaming his wife for his inaction just goes to show how awful he is. It really goes to how they got in this situation to begin with and how she carries far more of what should be their shared responsibilities than what he does.
I don’t like that both secrets were something to hurt the wife. She admitted something she did wrong and his secret was that he resents her for things she’s doing.
This couple is so so brave doing this show…. Had to be so hard to be “slapped in the face” with these facts🫣 Mad respect hands down & how could animal rescue be a bad priority, couldnt we have figured it in or as a future goal to work towards!!!! 🥺
I didn’t understand what the husband’s secret was. He would say that his wife had something so he couldn’t go to king fu? Is that something he was keeping from her?
he was saying that he feels that she is always planning something or having something they need to do together so he can't go to the gym...makes me wonder how much he was actually contributing to the domestic labor in the house (and how much effort he was putting into planning dates/time together...)
i love that there is a show that helps people with debt and this lady seems very capable but also i am sorry what in the fucking diabolical powerplay, both this and forcing that woman from the first episode you covered to go into public spaces and talk about some of the most private and embarrassing parts of their life??? what the hell??? i feel so uncomfy watching that, i cannot imagine how uncomfy it would be to film it.
"You have a problem: you need to make more money." ah, the classic blunder: not making enough money. Also, she lied about how cheap everything was in Hawaii and he believed her?! Its Hawaii.
It's nice that the husband is very on-board with the challenge. It is the positive side of a masculine trait to see a challenge, accept it and run with it. I hate how the wives in these show types are always so anti-challenge accepted. It's as if we women aren't able to accept challenges and try our best or something. Very discouraging on her part and other women like her. I am so on the husband side to accept this with good grace and at least do your best. By showing you care, you get he most out of it. I do hope they pay it all off and they get their prizes. It feels amazing to get that second or third chance at life and win it. BTW, my inner ASD brain loves how organized and gun-ho the husband is with his files and documents. Makes me so happy. It's hard to explain to non-divergent people the joy I get seeing such an organized office.
Im thinking these people are watching shopping influencers right now thinking see honey if only we had youtube we would have been successful with our shopping. Living in canada is actually unlivable. No homes and the ones we have no one can afford.
that is so scary to almost lose your home, have unpaid bills in front of you, and STILL choosing to ignore it and spend money on unnecessary things! and she's just laughing about it
they should divorce
Especially with such a small house payment
some people laugh as a nervous/anxious response so I'm not totally sure it's fair to say that means she doesn't care. I do think some people choose to ignore their finances out of fear, and that is probably at least partially at play.
@@sardonicprincessI don't think that would help. Divorce is costly and it's not as if it was only one of them who spent too much without thinking. So even if they divorce they would still need to pay all that money.
@@shawnaripari That's a great point to bring up! I'm glad the advisor was able to help them get a game plan to tackle their debt
She claimed she was spending $600 a month on the rescue however she wasn't tracking so she really didn't know what she was spending.
@@pennygivan2551 My question is most rescue organizations will cover expenses for their fosters. If she really wants to rescue dogs, she could just become a foster home and bring in dogs for whom basic expenses are paid.
@@marys6610 I foster and probably spend about $300 a month on food (special diets) litter, and random incidentals. I foster for an organisation who doesn't have the capacity to provide the basics so they'll pay for the vet but that's it. With that said, this is $300 AUD in 2024, not $600 CAD in 2008 haha. Unless she was paying for their vet bills I don't know where that money went
@@ELMor8443 Im at about the $300 mark also with 2 senior cats, that includes medications for my one who has a chronic health condition. The past 6 months have cost over that just with the repeated vet visits.
Agree on secret challenge. I thought it was supposed to be financially related, proving a point that it adds to thr debt. His secret took it to a whole new level lol
I’m so happy to see you reacting to Til Debt Do You Part episodes! They’re what helped me first realize how to set a budget to get debt free and helped me pay off my credit cards. :)
Their secrets....hers was revealing and admitting to something she did wrong, but his was just blaming her for him not getting something he wanted. I dunno it seems like he didn't want to reveal or admit to anything he did wrong and just wanted to blame her for his frustration.
yeah, the secrets felt a bit uneven. We'll never know if it's because he resented her, if he didn't have any to share, or didn't want to share, all or none of the above.
I like to put on your videos on when I go to bed because your voice is so calm and relaxing 😌 you help me get ready for sleep
I have 2 cats both on prescription pet food, which is a little more expensive, and monthly it’s only about $75 for both. Total maybe 100$ / month for all of their needs. $600!!! 20 years ago! Wth
Veterinary expenses probably, even one visit can be several hundred dollars. Rescues have often health problems.
I loved this show as a kid/teen. I found it so fascinating and I really owe a lot to Gail for teaching me how to be financially responsible. I still recommend her books to people, even if they aren’t “current”, they still go over how to have a budget and manage your income.
Edit: “current” meaning she often makes references to interest rates that were much higher in the late 00s than what we see now. But the general practices and ideas remain the same.
Some information like that is timeless
I agree with your take and think this episode missed the mark in many ways. For example, I was sure that one of the challenges would've been related to transportation (trying a one car household for a week, try biking to work for a week, etc.). Also, like you, I think the public secret telling was a bit much. I think something that could have been said/taught is that their family can reallocate some of the animal rescue funds towards a relationship or family therapist. Or they could have worked together on a task that requires communication for the third challenge.
A transportation challenge could have been a good one, and one the show ha done before so I think it could have been in their wheelhouse. I like your suggestions for the third challenge as well because it could have been so many things to get them speaking or working together. The show has done scavenger hunts or puzzles before, which I would have much preferred.
Love the cozy couch setup! 🛋
:''') I'll try to watch this one again later but hearing the wife talk about having phones shut off or on the verge of losing their house reminds me far too much of my parents, who got our water+internet+phones shut off multiple times and had 3 separate major events in 2 years with the same "almost lose the house" issue. Little too close to home this time, but I'll come back for this one! Merry vidmas!
It's okay if you can't come back either. This episode is triggering for folks like us ❤ merry Christmas
I also relate. We’d go on super extravagant vacations and then come home to no power or water. I’m very grateful to be in charge of my own finances now
Never been this early to a video before. I’m excited! I’ve really been trying to de-influence myself so much more lately. I never thought of myself as someone who is influenced easily but watching your content has gotten me to do some serious self reflection. Keep up the amazing work! ❤️🙏
I’ve been binge watching these ever since you introduced it to us in your first video! I already watch “I’ll teach you to be rich” on you tube. They are longer podcast style episodes but he really gets into the psychology of why they are doing certain things with money. He talks to different type of couples in different income brackets.
Vet bills, training, food, vaccines, preventative care, speciality diets all add up when you’re rescuing animals. But on the flip side so do things like unneeded accessories, fancy treats, etc. So I don’t think the amount itself is unreasonable, it just depends on one’s budget and what it’s actually being spent on. :)
I don't know how her rescue operation works, but when you foster for a shelter they are usually the ones paying for every necessity
My first lesson ever on money was from my dad , it was simple: don’t spend more than you make
Love the cozy couch!
I also picked up on a vibe from her. It’s the way of wording that nudges you into an understanding that is not reality so when they’re caught, it was a “misunderstanding.” Specifically the “I talked to some people about extra work” as opposed to “I picked up enough extra work from people in the office to get the extra income.” Her confession, too. It was 3 times more than I said but no actual amounts. So he has to do the mental labor of trying to remember what bull💩 amount she told him however long ago?
She seems very cagey. I lived with cagey for two decades and she was definitely tingling those spidey senses.
I think you were touching on a good point. I think this is deeper. I would bet good money he's a distant spouse and she over spends for quick serotonin boosts.
Welcome in or welcome back ❤ I'm addicted to your channel been with you since 10 k proud of you 🎉
thank you so much for being here!
I kind of disagree with you on the woman's end with the extra hours challenge. Remember she has 2 kids at home, one of which is 3. Someone needs to care for the kids, make meals, do laundry etc. Its not like she can just go pick up a second job.
you're right that the hose work seemed to be something that she took on. There were a few comments in it in the show that made it seem like she didn't fully enjoy that role and may want it more split. I cut some of that commentary out because it felt more like speculating. I mention this to say, that how the housework is divvied does impact her ability to work if she is the one taking on those roles. I should have spoken more about this in the end, and glad that you mentioned it.
I really enjoy your channel and content. I watched the series from til debt do us part..it’s an eye opener and I have been tracking my spending
animal care is expensive especially once you have multiple. how many? do they need special diets? if its a rescue they likely are constantly getting stuff spayed/neutered. raising puppies... toys. special care like medications.... i had ONE sick elderly cat and i spent so much on her end of life care, going to the vet once or twice a month.. if they need labwork or imaging or surgery. if shes running a real rescue id imagine you need some kind of insurance maybe??
Yea I have four pets and until my kitten got old enough there were four different diets (now three) plus nearly $2000 for annual checkups/vaccines/etc. and having at least one necessary surgery per year (spay/neuter, dental work for two of them, etc) - it adds up so so fast.
Yeah my cat passed away earlier this year but before she did she had about 15k on surgeries in 18 months. Pet care is crazy expensive.
Another cozy evening with your videos! I’ve been so much more careful with my purchases this season bc of your content. So yey to enjoying and learning 🎉
On the secrets one, I think we forget there’s a whole TV crew and how large all the equipment was back then. Recording it in private would only feel private to us the audience. Plus doing it in a public setting means when the episode airs on TV they’ve already come to terms with these secrets being public.
Yay vidmas continues!! 💕 I love these reactions to Until Debt Do Us Part!
100 usd monthly on pet food (I buy like high quality food), my dog is medium so it last around 4-5 weeks depending on the season (she eats more in the winter)
wow, this was a rough one. mostly because i kept thinking of how many other little lies from the wife turned into the big lie of ignoring that amount of debt. if my partner was that frivolous with Both our money, i'd have to either go to couple's therapy or i'd be out of there. hopefully they were able to get the help they needed behind the scenes.
i wish that instead of another vacation where they have more opportunity to spend money, they were given an amount off their debt. that would've been much more encouraging than another obstacle of spending/the possibility of spending. especially considering her lie being "those vacation things cost 3x the price i told you". on the other hand, and most likely the intention of this gift, it's an opportunity to keep yourself in check and see how much you save compared to last vacation. hopefully this helped work long term, the wife seems to be the one who has the hardest time (probably because she was the one causing most of the issues). hopefully she was able to get her dog rescue back in working order without all that debt hanging over their heads.
great video as always, loving your coverage of these eps! 💖
they also got about 5k to pay off debt
@wanessaribeiro3965 i must've missed that, thanks for the correction!
I never knew this show here in France, so i really love that you both made me discover it (did i watch several episodes since your last react? Yes xDDDD) and now are commenting it ❤ i love your insights on this 🙏
I watched this episode. I was glad that they loved each other enough to want to work on things. 😊
I can't speak for how much dogs cost, but I have 2 cats. I budget about $175 a month for them. That includes pet insurance and prescribed food along with other supplies.
They're pretty spoiled, so if I had to cut back or swap to cheaper options, I could.
Remember this was almost 20 years ago also. So it would be triple in today’s economy. She’s spending a lot.
nsf fees are overdrafting. it's not from bouncing checks. that's usually listed as a separate fee (and is usually less) along with the check not clearing (I work for a credit union lol)
that's from her swiping her debit card and not having the funds, her bank let her go negative, and essentially charged her a fee to cover the purchase. which, 9/10, is something you can OPT OUT OF.
18:40 OH MY GOD THE BODY LANGUAGE SIGNAL!! "I promise!" **shakes head no.**
I have 3 dogs on grain free "fresh" refrigerated dog food because they are old and have seizures when they aren't on this diet and it cost me about 400 bucks a month, plus allergy medicine and special shampoos for skin problems. $600 a month could definitely be true
You've got me down a Debt Til Us Part rabbit hole 😂. I live in the US so I didn't have this growing up
Damn, I love how savage this lady is with the couple.
You know inflation is bad when my reaction is “how do you get into debt in the early 2000s???”
Please continue doing reactions to this show!
I really enjoyed this! I would love to see more of these
I love vidmas and all your videos 😊 thank you!
This was the old 34. 34 year olds now are nooothing like this lol
I know right? My fiancé's college graduation will be when he turns 34 😂
Dog owner here. How much a dog eat depends on what type of breed you have and the age of your dog. Our boy hardly ate anything when he became 15 years old. Next is what type of food you give to your dog, the good guality ones are expensive, but you can buy them in a big batch and it'll last for a while. What type of breed do you have, if you bought a pure breed with a certificate, it'll be expensive as hell. Then there're the visits to the vet. If your dog isn't suitable for specific kind of weather, you'll need to buy some kind of dog coat to protect the dog from cold. And if you want to do some dog shows, it will cost more money. If you'll gone for a while and can't take your dog with you, you need someone to do it for you, in the worst case, you'll need to hire someone. So yeah, animals are expensive.
Vets. Rescue animals probably need the vet a lot and that is expensive as hell.
yes, this seems to be the common idea from those in the comments!
this videos esp the reality ones i always have in the back of my mind when I spend my money, which helps me be careful of trying not to spend all my money
For my dog, including pet insurance, food, meds, and other bits, I pay roughly $200/month USD
I love these videos! Keep em coming :)
This is so shocking because my house value is their credit card debt 😂 I mean technically I own that same amount but in mortgage 💸
I love your channel ❤ from yorkshire UK ❤
About 10 years ago (I was in my early 20s and didnt have any credit.) I had to buy a car. It was 5k and the interest rate was in the 20s. My boyfriend (brand new at the time) begged me to let him just pay it but I felt like I'd be taking advantage. After months of not making any headway I finally agreed to allow him to pay it and I'd pay him back. The amount was the same if not more than when I first started. I paid him back (with reasonable interest) and I'll be forever grateful. 10 years later and we're still together. That man saved me in so many ways.
I foster cats, at risk kittens at that, the rescue helps a lot. Between food and litter I pay $35 a month at the very most....in 2024. But I'm also married to a man who spreadsheets everything. Our only debt is our mortgage. These people stress me out too!
I dont currently have a dog, my senior passed away earlier this year; but I do have rescue rats and can say what an average ish senior dog bill looks like. I average right now around 100$ a month generally, without vet bills/sick rats lol- that is bedding and food currently, and putting whatever is left aside for their vet fund. Ive spent in the last 3 months around 1200$ getting all of my 10 rats seen and treated for URI- including their followup.
I had a 15 year old min pin. He ate a mix of kibble and wet/fresh foods at the end of his life, but he was on the farmers dog before. It was definitely around 2 to 3 hundred dollars a month, with an added 50 or so dollars for his medication for arthritis.
My main question is: shes not actually tracking anything. The dogs do seem healthy, but 600$ a month is kind of a lot without an additional information. Its not the most Ive heard people spending, especially if your pet is on a specialized diet or is in medication/needs blood work more regularly.
23:52 yes!!!🙌
We all might have wildly different answers to your question, but for me I spend about $100 a month on feeding two dogs (a large one and a small one). This covers one large bag of dog food from Blue Buffalo, which is a more expensive brand ($70 a bag vs $30 from cheaper brands), and random treats like sardines, Greek yogurt, canned pumpkin, etc. I mentioned the cost of the bags dog food because even with an expensive brand I’m only spending total $100 a month. I don’t know how you would rack up to 600 unless you were taking care of 10 to 12 dogs.
omg unrelated your headband is so cute!!
Interest rates for car loans averaged 8% in 2008.
I have 3 dogs and spend about $100 a month for food, snacks and heart and flea meds.
Love that this is todays video. I'm currently reviewing the past years spending and making a budget for a 2025 no buy.
wishing you the best of luck!
The animal rescue expenses: Veterinary expenses probably, even one visit can be several hundred dollars. Rescue dogs have often health problems.
Pet owner here, it sounds like she’s maybe spending a lot on vet bills and that she’s fostering dogs until they find forever homes. Maybe some of the animals she hosts have health issues and that’s where the money is going?
they weren't entirely clear as to what the role of her rescue was/is. Either way, you're probably right that vet bills play a large role in her costs
@@shawnaripari Some other people said specialty/prescription pet food can drive up costs too, so maybe that contributes!
Oof, I also didn't like the public confession challenge, and I can't entirely explain why. I don't think that extra shame and drama was what was needed here.
I'd be so interested to see a show like this made in be 2024. It'd be interesting to see what the financial gurus think a reasonable budget is.
vet bills, food, repairing the house?, beds, toys, treats, grooming, shampoo/conditioner, dog training class? it depends on how many dogs too. bigger the dog- more expensive the vet bills, flea tick etc pills, & check ups sometimes
"Bills are just not my priority" is a WILD thing to say. ESPECIALLY WHEN YOU HAVE CHILDREN.
Vet bills or meds are likely the reason for the 600 a month.
In 2015 in az on 50,000 income we bought a 235,000.... no way you can do that now
I’ve visited an adorable cat rescue based in the owner’s suburban house and know of a cat cafe in a renovated house. I can’t imagine how a residential rescue would work for dogs though.
The only thing I can think of is that she is paying vet bills with most of that $600. There is no way she’s spending that on food
I have wondered if they have to claim the money/trips as a gift/prize income towards their taxes. If so this really is of no benefit to them long term.
When my ex-husband died, my children and I found out that he har over two hundred thousand dollars in consumer debt. His house was paid off. There was nothing in his small house that would explain that amount of of debt. He had a new car but nothing else really. We still don't have an explanation. He was an alcoholic so that may be part of it. Either that or gambling debts. (He had problems with gambling in the past.)
I have some qualms with the way the show handles certain things and obviously some of it is out of date at this point ($100/week for a family for groceries??? I wish…) but I love Gail so much and even as someone who is relatively fiscally responsible I’ve still learned some things from this show which is cool
I spend $100 a month feeding and caring for 3 dogs. $20 every month and a half on the cat, and $ 80 a month on the rabbit. During spring and summer I do but flea and tick medicine which totals about $600 a year but worth it to not have fleas. $30 a year on worm meds for them all.
I pay about $200 for dog kibble each month but I have a 150 lbs Great Dane… so… there’s that lol
Have you considered watching or reacting to Ramit Sethi’s show or TH-cam episodes ( I Will Teach You to Be Rich or Money for Couples)?
He does similar reviews of couples financial plans but they’re much longer episodes - he really approaches from a place of inclusivity and empathy, which I appreciate!
This perspective very much highlights the way generation X was raised vs. how things are now. Shame, public ( like neighbors are going to tell mom if they see you step out of line) fear of shame , were all part of growing up. The newfangled thinking you so eloquently discuss is as foreign to some of us as the tactic of shame used in the show is to you. Just an older lady perspective on the “ why’s” of Gail’s tactics.
yes, you're right. Humiliation or humlitainment was a big part of early 2000s TV
thumbs up even though I'm barely into the video 😅❤
My dog (labrador) eat roughly around 80 euros / month (i.e. 120 Canadian dollars)
Aside from our house which we're paying off early, the only thing I ever "finance" is vacation, which I pay in 3 installments with my debit card. I LOVE making that last payment so I don't have to think about it anymore. If we had the amount of credit card debt that these people have, I'm sure I'd never sleep. This is so anxiety inducing, oh my goodness.
My household has five pets (a dog and four cats). I’m a vet tech and get a good discount for their food but monthly costs for them are probably like $300 total (for food, treats, litter, etc.) in 2024 money. I don’t know how many pets this couple is fostering of course, or how big the dogs are, but $600 for just food does seem like a lot…
Each of my dogs (2) eat a 110$ bag of dog food every 1.5 months, one dog takes medication that is 332$ a month. Keep in mind this is 2024 inflation pricing and not what i'd pay in 2009 but i can afford my large dogs and their expenses. but dogs especially when they have complex needs are expensive.
The secret challenge was awful. I hate that not only did they have to share this publicly but the fact that they were going to be sharing it over a loudspeaker was sprung on them after they had written down their secrets. Awful.
I wanted to speak to your comment…”you can’t get into 73k in debt without willful negligence” and while that seems to be the case with this family, here in the US it’s quite easy to get into that much debt from a medical condition. While that is unlikely in Canada, medical debt is quite common here and accounts for 66% of all bankruptcies filed.
As for the animal rescues…I do foster animals and will aid other fosters with high medical bills, the cost are factored into our budget and I have it to spend. I’ve not watched the whole of the video but I will say that if you have a special needs animal under medical care, those bills can far exceed $600 and I don’t just mean in 2024. Though I wish this lady had not put her family at risk and sought other rescues and vet clinics for assistance with the cost of her rescues.
You can't rescue animals when you're on track to lose your home. Sometimes it's easier for us to focus on other people's (pets) issues rather than our own.
29.43.....omg is this the podcaster from the declutterhub podcast?
Wow
I think publicly telling the secrets makes it harder for them to move on and heal imo
also I sure do wonder, how often is HE planning stuff for them to do? Regardless of the money, it sounds like they are not a good match.
This is absolutely crazy…
They were overspending more than what I make in a month 😮
Check your interest rates 🗣️🗣️ if your interest rate is higher than your savings account rate, then you are losing money. Don’t let salesmen scam you with a high interest rate
I have so many thoughts on this. I think far too much blame was put on the wife. Having been in her shoes with a husband who takes ZERO part in finances takes the stress level of it to a whole new level. Did she do wrong? Yes. 100% and I have a whole lot of thoughts on that too. And I think she learned more from this than he did. But I find his inaction up until this point far worse. And her complaining about him always wanting to talk about it now that he's involved? I would bet my paycheck she's talked herself blue in the face to get him involved and he wanted no part of it. So now that he's finally involved, she doesn't want to hear it from him like he's some savior putting their finances to right. Maybe if he had been a partner from the get go things wouldn't have gotten as bad and she would have had someone to help hold her accountable. And his secret?! My dude, get your butt up early in the AM and go for a run, lift some weights. Blaming his wife for his inaction just goes to show how awful he is. It really goes to how they got in this situation to begin with and how she carries far more of what should be their shared responsibilities than what he does.
Not me loooking to see if this is my mall (I think it is)
I don’t like that both secrets were something to hurt the wife. She admitted something she did wrong and his secret was that he resents her for things she’s doing.
This couple is so so brave doing this show…. Had to be so hard to be “slapped in the face” with these facts🫣
Mad respect hands down
& how could animal rescue be a bad priority, couldnt we have figured it in or as a future goal to work towards!!!! 🥺
I have 2 lg dogs, 5 cats and 4 parrots and I don’t spend that a month at all.
I didn’t understand what the husband’s secret was. He would say that his wife had something so he couldn’t go to king fu? Is that something he was keeping from her?
he was saying that he feels that she is always planning something or having something they need to do together so he can't go to the gym...makes me wonder how much he was actually contributing to the domestic labor in the house (and how much effort he was putting into planning dates/time together...)
@ felt like a weird “secret,” more like, “here’s something about you that bothers me”
i love that there is a show that helps people with debt and this lady seems very capable but also i am sorry what in the fucking diabolical powerplay, both this and forcing that woman from the first episode you covered to go into public spaces and talk about some of the most private and embarrassing parts of their life??? what the hell??? i feel so uncomfy watching that, i cannot imagine how uncomfy it would be to film it.
I do wonder what happened to the animals.
"You have a problem: you need to make more money."
ah, the classic blunder: not making enough money.
Also, she lied about how cheap everything was in Hawaii and he believed her?! Its Hawaii.
the moment they said dog rescue i was like wtf why are you spending a shitload on animals that arent even your pets, theyre rescue animals...........
It's nice that the husband is very on-board with the challenge. It is the positive side of a masculine trait to see a challenge, accept it and run with it. I hate how the wives in these show types are always so anti-challenge accepted. It's as if we women aren't able to accept challenges and try our best or something. Very discouraging on her part and other women like her. I am so on the husband side to accept this with good grace and at least do your best. By showing you care, you get he most out of it. I do hope they pay it all off and they get their prizes. It feels amazing to get that second or third chance at life and win it.
BTW, my inner ASD brain loves how organized and gun-ho the husband is with his files and documents. Makes me so happy. It's hard to explain to non-divergent people the joy I get seeing such an organized office.
These people are 34 and 35 ?? I don't believe that, they at least are 10 years older :D
Omg the secret challenge 🤢😳😳😳😳🙈🙈🙈
Im thinking these people are watching shopping influencers right now thinking see honey if only we had youtube we would have been successful with our shopping.
Living in canada is actually unlivable. No homes and the ones we have no one can afford.
I wonder if the pet money is because she's taking on foster.Care with dogs that have health issues
💗💗💗💗💗