I Put My $112,000 Wedding On A Credit Card!

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  • เผยแพร่เมื่อ 27 ก.ย. 2024
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ความคิดเห็น • 2.2K

  • @beckyshell4649
    @beckyshell4649 ปีที่แล้ว +1139

    This kinda proves that no matter how much money you make it is never enough if you mismanage it.

  • @LoveLife-oo9cz
    @LoveLife-oo9cz ปีที่แล้ว +974

    When I'm mad at my dumb financial decision, I come here to watch horrible calls so I can feel relief instantly 🥰

    • @alluringbliss4165
      @alluringbliss4165 ปีที่แล้ว +13

      😂😂

    • @Bookishwisdom786
      @Bookishwisdom786 ปีที่แล้ว +14

      😂😂😂 you crazy same here

    • @DevHazy
      @DevHazy ปีที่แล้ว +4

      Hahahaha or just scared of my doc debt

    • @mangomadnnesss
      @mangomadnnesss 11 หลายเดือนก่อน +6

      Its still bad, don’t use their bad as an excuse for yours.

    • @taylorspastpresent1014
      @taylorspastpresent1014 11 หลายเดือนก่อน +1

      A little insecure but I understand the rationale 😅

  • @evelynmaltez571
    @evelynmaltez571 7 หลายเดือนก่อน +206

    We got married in our 2 bedroom apartment. We had 8 guests. We spent maybe $600 on food and drinks. 3 months later I was diagnosed with breast cancer. I wasn’t able to work for 6 months. I can’t even imagine what it would’ve been if we had had a big wedding. I’m healthy now, and we already bought a house. We were pre-qualified for a $350,000 mortgage but we bought a house that cost $187,00. We are very happy to be able to sleep at night, not worrying about money.

    • @carlavaquerano6036
      @carlavaquerano6036 2 หลายเดือนก่อน

      ❤❤

    • @Thinc_Destiny
      @Thinc_Destiny 2 หลายเดือนก่อน +5

      This mindset is priceless..🥳 🥳

    • @ginag8723
      @ginag8723 หลายเดือนก่อน +5

      I'm so glad you're healthy now!

    • @Shopgirl1
      @Shopgirl1 หลายเดือนก่อน +1

      I got married in 1980..mom and dad bought my dress..we paid for having bridesmaid dresses made, rented tux for the men and paid for the flowers, cake, punch, nuts, mints, and coffee..might’ve been $500, cannot imagine this much for a wedding..I would’ve spent $12k on the wedding and had $100k left for starting life..but they put it on a charge card 🤦‍♀️

    • @wingberry123
      @wingberry123 หลายเดือนก่อน

      I want this type of wedding because I don't want a big splashy event and I also want to be able to sleep at night.

  • @constancerevoldt7651
    @constancerevoldt7651 ปีที่แล้ว +415

    I worked with a woman who did this. She insisted on a big splashy wedding. She comes to work so stressed, and they are still in debt years and years later.

    • @eriq54321
      @eriq54321 ปีที่แล้ว +38

      Yeah , many want to impress friends and family

    • @DevHazy
      @DevHazy ปีที่แล้ว +9

      Lol

    • @galaxyglitterlatte4664
      @galaxyglitterlatte4664 7 หลายเดือนก่อน

      ​@@eriq54321Exactly. All for a glorified PARTY for a few hours that none of these guests even think about anymore!!

    • @DEE-o4v
      @DEE-o4v 5 หลายเดือนก่อน +21

      She was a fool....and remains the fool.

    • @mdaniels6311
      @mdaniels6311 2 หลายเดือนก่อน +6

      These people are just.. I dont even know. I think cause I grew up in government housing, single mum, broke, it is really difficult for me to fathom these people's decisions.

  • @karenwalters1211
    @karenwalters1211 11 หลายเดือนก่อน +80

    She’s not in a bad situation at all. Plenty of options to pay off that debt and still have money left

    • @eddieBoxer
      @eddieBoxer หลายเดือนก่อน +3

      Damn $112,000 dollars for a weeding and I wasn't invited, ridiculous.

  • @alexfonseca2063
    @alexfonseca2063 ปีที่แล้ว +1510

    95 percent of the people who went to your wedding do not care one bit about you. Nor will they ever truly be there for you.

    • @PassportBrosBusinessClass
      @PassportBrosBusinessClass ปีที่แล้ว +206

      Incorrect: Make that 98%

    • @Stephan2P
      @Stephan2P ปีที่แล้ว +79

      People spend money to be liked and accepted, even if they don't care about them.

    • @georgewagner7787
      @georgewagner7787 ปีที่แล้ว +34

      Im single and my roommate used to get wedding invitations from work with a plus one. But i stopped going because she had to give them a check of course to more than cover the dinner and they were at expensive places

    • @Ja50nkAt
      @Ja50nkAt ปีที่แล้ว +61

      Exactly, impressing people they don't know who don't care at all.

    • @ladybug3393
      @ladybug3393 ปีที่แล้ว +4

      😒

  • @AcidicMentality
    @AcidicMentality ปีที่แล้ว +1563

    I think the best way to start a marriage is arguing over finances due to massive debt. Doesn't drive people apart at all.

    • @zimmermanlandscape9287
      @zimmermanlandscape9287 ปีที่แล้ว +27

      lol

    • @Stephan2P
      @Stephan2P ปีที่แล้ว +28

      🤣🤣🤣

    • @SevenHunnid
      @SevenHunnid ปีที่แล้ว +7

      Wasgood Im a regular hood dude doing food reviews on my TH-cam channel 😩

    • @wahinepaddler4
      @wahinepaddler4 ปีที่แล้ว +10

      It's a way to bond people together..

    • @KillstormSH
      @KillstormSH ปีที่แล้ว +7

      They're rich though lol

  • @afor910327910327
    @afor910327910327 ปีที่แล้ว +1656

    I went to a restaurant yesterday and spent $60 in a meal and I felt irresponsible. Imagine this mess? I hope this family can make it through.

    • @karlabritfeld7104
      @karlabritfeld7104 ปีที่แล้ว +44

      They won't

    • @youngjedi5599
      @youngjedi5599 ปีที่แล้ว +101

      Bro I spent $15 the other day at Wawa and was like what the f*#+ I’m I doing. I couldn’t fathom being in this situation.

    • @nerdobject5351
      @nerdobject5351 ปีที่แล้ว +97

      There sitting on a million in assets. They will be fine financially.

    • @blueboat9581
      @blueboat9581 ปีที่แล้ว +2

      @@youngjedi5599 I miss wawa

    • @rtotheichard13
      @rtotheichard13 ปีที่แล้ว +13

      @@youngjedi5599 The price of a coffee and honeybun has become bonkers!

  • @NPhilome
    @NPhilome ปีที่แล้ว +201

    What did I just hear??!?!? Almost $400,000 is liquid assets and she’s crying?!?!? Rent the vacation house out. Get some cash flow!

    • @ES-7766
      @ES-7766 ปีที่แล้ว +19

      I think that the husband to be warned her not to spend too much.

    • @Latte-dq1tb
      @Latte-dq1tb 2 หลายเดือนก่อน +20

      Right? Sell it, rent it out, something! 😩 They have too many solutions to be stressed out of their mind!

    • @HighCountryRambler
      @HighCountryRambler 2 หลายเดือนก่อน +8

      I'd never give up a rental and give half the proceeds to the Government to waste. (again)

    • @badluck4823
      @badluck4823 2 หลายเดือนก่อน +19

      Over $400k in liquid assets, since it was $390k in stocks and $45k in cash. Plus a $700k paid off property and another property with $200k in equity. So they have access to nearly 1.5 million dollars if they liquidated everything. These are two well off and insufferable people if they can't manage to figure this out without a panic attack that brings them to tears. She probably cried when they ran out of caviar at the wedding.

    • @inthebooks3947
      @inthebooks3947 หลายเดือนก่อน +9

      He doesn’t want to sell his shit

  • @erzabetf9544
    @erzabetf9544 ปีที่แล้ว +50

    Yikes! This is such a good lesson about not falling into the trap of thinking you’re rich just because you have a high-paying job. That can change at any time.

    • @Gromitz101
      @Gromitz101 2 หลายเดือนก่อน +1

      Except they ARE rich even without any jobs. They could liquidate 1/3 of their wealth and be debt free...

  • @eligreg99
    @eligreg99 ปีที่แล้ว +584

    Who spends 112k on a wedding while also having 40k in student loan debt? Could’ve spent 5-10k at the max and they would’ve been fine.

    • @kind2423
      @kind2423 ปีที่แล้ว +12

      You’d be suprised. I know younger adults who did the exact same thing the caller did with student loan debt

    • @bee12355
      @bee12355 ปีที่แล้ว +9

      I know someone who did that and still have student loan debts. People spend so much money on weddings.

    • @buddykerr1
      @buddykerr1 ปีที่แล้ว +47

      Two narcissists who wanted to play prince and princess for a day

    • @joshhawkins2596
      @joshhawkins2596 ปีที่แล้ว +1

      Well when they take home almost 20k a month 112k once in a lifetime wedding is not crazy outrageous. I don’t think anybody with that income would enjoy a 10k wedding. But I agree pay the 40k in debt and another 40k wedding (3 months of aggressive saving)

    • @LKS92Y
      @LKS92Y ปีที่แล้ว +4

      Sound like they’re perfect for each other

  • @Astro95Media
    @Astro95Media ปีที่แล้ว +1140

    My wife and I both make great money. We were debt free and could've had any wedding we wanted. We still opted to have family over, cater in some good quality Mexican food and get married in the backyard at sunset. The entire thing cost around $2,500 and the bulk of that was the photographer we hired for a few hours (he was worth every penny). Now we vacation big with the kids.

    • @aquila1993
      @aquila1993 ปีที่แล้ว +51

      Incredibly smart move, sir

    • @Astro95Media
      @Astro95Media ปีที่แล้ว +80

      @@aquila1993 Something we agreed on from the start was that we wanted to invest, not in the wedding, but in the marriage. That’s often overlooked by starry-eyed couples headed down the aisle.

    • @SapphoKore
      @SapphoKore ปีที่แล้ว +9

      My plan

    • @youtubecommentwarrior
      @youtubecommentwarrior ปีที่แล้ว +12

      Ghetto af

    • @FastAligator1234
      @FastAligator1234 ปีที่แล้ว +9

      Congratulations to you guys. Very smart indeed. I wish you and your family nothing but success and happiness.

  • @hollygennaro5874
    @hollygennaro5874 ปีที่แล้ว +56

    We spent $20 on our marriage license and were married by a judge. It was a Thursday night, we were both active duty in the Marine Corps, so he had returned from a week in the field around 1730; showered, dressed up and we drove to to the judge. Afterwards, we drove back to the barracks, changed into t-shirts and shorts and cleaned our rooms (Thursday is called 'Field Day' and Friday is Inspection Day, in the Marines.) We had a 4-day weekend coming up for Easter (called a 96) in which we would be cut loose at noon on Friday, to return 96 hours later, at noon on Tues. We drove from Camp Lejeune, NC to Indiana, to his home, to celebrate. That was our honeymoon. We just celebrated 30yrs this past 8th of April. Total cost, maybe $50, including gas and snacks.

    • @Musicienne-DAB1995
      @Musicienne-DAB1995 ปีที่แล้ว +7

      Sounds perfect! And congratulations!

    • @DevHazy
      @DevHazy ปีที่แล้ว

      Sadly the current marines are just getting married for the benefits and often getting divorced

    • @USMC6976
      @USMC6976 8 หลายเดือนก่อน +2

      Semper Fi!!!

  • @mirabella2154
    @mirabella2154 ปีที่แล้ว +249

    This marriage is doomed.
    I genuinely wish them the best, but I had to laugh when she suddenly teared up and said that her husband lost his job after returning from their honeymoon.
    The whole situation is bizarre.

    • @OhWell0
      @OhWell0 ปีที่แล้ว +26

      I thinks its doomed too. But rather because she wasn't sure if he would cash in his nest to get out of debt.

    • @nlm3223
      @nlm3223 ปีที่แล้ว +22

      @@OhWell0 facts! She wants him to pay off the debt using the stocks and bonds. I actually don’t think that’s a good idea.

    • @anonymous05067
      @anonymous05067 ปีที่แล้ว +6

      I agreed. With the way they spend, It does not matter how much money they have in equity or making, they will end up under in the future.

    • @brianwaller7383
      @brianwaller7383 ปีที่แล้ว +4

      It was doomed as soon as the gump proposed to her. 70% chance she files for divorce

    • @jonathonwright525
      @jonathonwright525 ปีที่แล้ว +3

      Yeah. Guarantee he took off all the time and was lazy at work.

  • @AnythingEverythingAshley
    @AnythingEverythingAshley ปีที่แล้ว +660

    My husband and I skipped the wedding, signed the marriage license at home, and spent the money on a down payment for a house. I don't understand the purpose of spending thousands on a party that will only cause drama.

    • @meganfitzpatrick1019
      @meganfitzpatrick1019 ปีที่แล้ว +46

      We purchased our first home, and spent only $600 on our wedding in 1996. Marriage is still going strong, and we upgraded to a larger home with a pool 🙂

    • @reese85
      @reese85 ปีที่แล้ว +5

      Why would it cause drama?

    • @SuperAsian78
      @SuperAsian78 ปีที่แล้ว +25

      @@reese85 because they are fight about the debt …

    • @thea_817
      @thea_817 ปีที่แล้ว +13

      Amen! This is way to start a marriage. No debt and but that money towards a home which is something you need and is a good investment toward your future as a couple.

    • @reese85
      @reese85 ปีที่แล้ว +4

      @@SuperAsian78 that’s not all weddings! I kno ppl that pay their wedding off in payments before the wedding date to avoid any debt!

  • @RaleighLink
    @RaleighLink ปีที่แล้ว +153

    Imagine wearing a massive ring and every time you look at it you remember that you're making payments to pay it off because you couldn't afford it lol.

    • @MariselaCronin
      @MariselaCronin ปีที่แล้ว +3

      Dr. Laura’s words.

    • @genxx2724
      @genxx2724 ปีที่แล้ว +6

      Wife paying for her own ring. 🙄

    • @DevHazy
      @DevHazy ปีที่แล้ว

      Lolol right

    • @chamidu
      @chamidu 7 หลายเดือนก่อน +13

      Imagine wearing a massive ring and every time you look at it you remember that you sold a house for it.. 😅

    • @Aquaria2291
      @Aquaria2291 4 หลายเดือนก่อน +2

      They can afford it though. They have a net worth of well over 1m dollars. They could have liquidated their investments, paid for the whole shebang, and then paid themselves back over time.
      It just sounds like they were smashing their heads into the wall trying to have their cake and eat it too.
      I bet if the husband didn't lose his job, there wouldn't be any stress over this. They would have just paid off the debt and eaten all that interest they would be accruing on it.
      I wish they would have told her to calculate the interest she'd be paying on that debt and line that up against the 20k annual income from the property.
      Anyway, hopefully she learned her lesson. Stop trying to keep up with the Joneses. Think about what is important before you spend.

  • @AlphaAchilles
    @AlphaAchilles ปีที่แล้ว +46

    This women is out of her freaking mind. They spend 112k on a damn wedding?! Who does that in real life? Why are people so caught up in a “fairytale” wedding that they will ruin their financial future over it? Also, a wedding ring that expensive is borderline mentally handicapped. My wife and I basically got married for free. We went to a church that I grew up in and my family chipped in here and there for stuff but we didn’t really pay anything. Love doesn’t have a price tag and those who act like it does will be the same ones getting a divorce in a couple of years.

    • @potato1084
      @potato1084 5 หลายเดือนก่อน +1

      I spent £400 on a photographer and that made me cringe 😅😅

    • @jamisojo
      @jamisojo 5 หลายเดือนก่อน

      ​@@potato1084yep... it is painful.
      That is a pretty good price though for quality pictures to last a lifetime.

    • @Gromitz101
      @Gromitz101 2 หลายเดือนก่อน +2

      You have to put into perspective their current wealth. They are millionaires...they aren't going to have a $1000 wedding. The 112k+40k isn't even a problem. They can liquidate 1/3 of their wealth and be debt free within a month. The only issue is the couple can't agree one their finances. "My property" and "his property" is the only issue they have. Him losing his job is nothing. She still makes 70k/year and 300k stocks, 200k rental property and whatever the other two houses were.

  • @kayn2756
    @kayn2756 ปีที่แล้ว +118

    This is a bigger problem than they think. No one wants to sell their personal property to pay off this wedding.

    • @spaceballs44
      @spaceballs44 ปีที่แล้ว +20

      I think there is more going on then we know.

    • @sammydrake5496
      @sammydrake5496 ปีที่แล้ว +12

      Because they both don't see each other as long term partners, just fun times acting married in front of others

    • @captainhoopla7773
      @captainhoopla7773 ปีที่แล้ว +3

      Sounds like they issue 😂😂😂

    • @dancalmpeaceful3903
      @dancalmpeaceful3903 ปีที่แล้ว +2

      It's like lighting it on FIRE and watching it BURN.

    • @KatieBellino
      @KatieBellino ปีที่แล้ว +2

      The caller sounded very receptive to selling the property and seemed relieved because it had been the one that was hers prior to marriage.

  • @jeanhallada5292
    @jeanhallada5292 ปีที่แล้ว +113

    Quoting my Dad (married just under 60 years). It’s the marriage that counts not the wedding. We’ve now been married 40 years- dress $15. Ring from a pawn shop.

    • @josephinegrech8438
      @josephinegrech8438 ปีที่แล้ว

      My husband says the same thing!

    • @Musicienne-DAB1995
      @Musicienne-DAB1995 ปีที่แล้ว +2

      Agreed. And if more people listened to this advice, there woould be fewer divorces!

  • @iHustleLXXXI
    @iHustleLXXXI ปีที่แล้ว +277

    Why is it that the people that call in act like they’re victims of their own greed/stupidity with money?
    This lady called in and admits that she spent $112k on a wedding as if someone made her do that and she was forced to spend $112k. I got married in a court house and had our reception at my uncle’s restaurant.

    • @kents.2866
      @kents.2866 ปีที่แล้ว +24

      Right? Meanwhile you got people making 12 an hour struggling to put gas in the car after buying groceries. Quit crying lady.

    • @poms-eyeview2453
      @poms-eyeview2453 ปีที่แล้ว +6

      That is more than my house cost

    • @colleenduffy1139
      @colleenduffy1139 ปีที่แล้ว +6

      Sounds like he spent a ton on the engagement ring (his choice) which was on a cc and now they will pay it off together, maybe by selling her house.

    • @kathyb8540
      @kathyb8540 ปีที่แล้ว +2

      I got married at the court house twice with no reception either time.

    • @sew_gal7340
      @sew_gal7340 ปีที่แล้ว +9

      I spent $50 on my whole wedding, i am still happily married 10 years later and more in love now than at the beginning!

  • @ryanbrennan5290
    @ryanbrennan5290 ปีที่แล้ว +16

    $112,000 for a wedding? All on credit cards? Really? That just boggles my mind. Some people...

  • @rickwalker5203
    @rickwalker5203 10 หลายเดือนก่อน +16

    Got married in 2020, had 85 guests and a small catered reception in backyard for family only (COVID) had flowers, cake & punch in Church Hall, organ and trumpet player for ceremony. Beautiful diamond/diamond ruby wedding rings and a week long Honeymoon. Paid cash for it. Total cost $5,000. My husband and I just celebrated our 3rd anniversary.
    Dave’s plan works very well. No more stupid here!

  • @jh26pt2
    @jh26pt2 ปีที่แล้ว +135

    One of the best things we did was have a small wedding. On the beach, close family, small (but nice!) dinner afterwards, total cost maybe a grand.
    The wedding is the least important day of the marriage. It’s easy to be all smiles and rainbows that day. What matters is the day in and day out afterwards.

    • @cgasucks
      @cgasucks ปีที่แล้ว +4

      Wow! Beach Wedding...Beautiful and cheap!

    • @vanessameske
      @vanessameske ปีที่แล้ว +2

      Exactly what we did! 💯👌🏽

    • @tloumathapo754
      @tloumathapo754 ปีที่แล้ว

      I bet it was her idea to spend this much.

    • @DevHazy
      @DevHazy ปีที่แล้ว

      Fact

  • @Miss_Dani_DWhit
    @Miss_Dani_DWhit ปีที่แล้ว +81

    I like the turn of this call. There's always a way to dig yourself out of a hole. The empathy and compassion was nice to hear from the hosts. Good advice too

    • @workinonit9562
      @workinonit9562 ปีที่แล้ว +1

      The scary point is the caller and husband could not figure this out on their own. Bigger problems ahead!

    • @spankynater4242
      @spankynater4242 11 หลายเดือนก่อน +1

      Exactly what part of this advice was good? The correct advice would have been sell both extra homes and keep your stocks. These two should be fired for giving this advice.

  • @aic0809
    @aic0809 ปีที่แล้ว +50

    Although the circumstances of the caller’s date are crazy, George and Jade handled this with such kindness and compassion. They managed to give great advice while exhibiting empathy.

  • @johnSmith-uz8nl
    @johnSmith-uz8nl 7 หลายเดือนก่อน +9

    I spent about $37K on my wedding and would do it again in a heart beat. But $0.00 was put on a credit card... WOW, are these people CRAZY!!!

  • @HoneyDooDoo
    @HoneyDooDoo ปีที่แล้ว +47

    Can guarantee she’s the one that wanted the lavish/big wedding. You better sell your property first to pay off that wedding debt honey

  • @theeverfartingelephant8189
    @theeverfartingelephant8189 ปีที่แล้ว +62

    This marriage sounds like its off to a WONDERFUL START!

    • @tanpham7411
      @tanpham7411 5 หลายเดือนก่อน +1

      Their local divorce Lawyers are salivating like hungry dogs waiting for the inevitable.

    • @George-W-Jenson
      @George-W-Jenson หลายเดือนก่อน

      😂😂😂

  • @captaincake4331
    @captaincake4331 11 หลายเดือนก่อน +13

    112K on a wedding? That's just stupid.

    • @doutheo8399
      @doutheo8399 6 หลายเดือนก่อน

      Average Indian wedding in the USA costs 230k-280k

    • @JohnR219
      @JohnR219 2 หลายเดือนก่อน

      Indians are way more frugal and the whole family contributes.

  • @harshtruth2897
    @harshtruth2897 ปีที่แล้ว +74

    I went to Panera bread yesterday and spent $25 on a sandwich and coffee & muffins, I felt like being robbed and still can't comprehend spending a stupid amount of money on a stupid evening snack. I can't even emagine the weight she's feeling on her chest for spending $112K on a stupid wedding, WOW.....

    • @Gromitz101
      @Gromitz101 2 หลายเดือนก่อน +1

      I won't shed a tear for her. Its a fraction of their wealth and they can get out of debt tomorrow by liquidating assets within the month. This wedding/debt isn't smart but its less than 1/10th of their net worth. It may seem big but you have to put it into context to what they have. A millionaire isn't going to have a $1000 wedding, 100k seems reasonable if they are willing.

  • @merriem24
    @merriem24 ปีที่แล้ว +42

    They seem very financially divided. “He won’t care because it’s MY property”? What!???

    • @smithtown00
      @smithtown00 ปีที่แล้ว +8

      Agree! Huge red flag. I feel uncomfortable with this advice. It they ever get divorced, she ends paying 100% for the entire wedding with her asset when he should bear the responsibility of half (or more, give whatever spent on the ring). He went along with it, so it is his debt too, period!

    • @HighCountryRambler
      @HighCountryRambler 2 หลายเดือนก่อน +1

      What I heard was the stocks/bonds ARE HIS, and the rental house in MINE.

    • @Lis422
      @Lis422 หลายเดือนก่อน

      @@smithtown00 Yes, someone shares my opinion. I see a huge red flag. Financially she cares for income AND properties. And it costs her HER cash cow already 🙈

    • @brandondriver1377
      @brandondriver1377 หลายเดือนก่อน

      Well their married now so if he wont she's a no-fault divorce away from getting half anyway

  • @RubyShoegame
    @RubyShoegame 8 หลายเดือนก่อน +13

    I’m so happy we got married in our backyard. I’ve never once regretted not spending a fortune on the party or on a dress.

  • @xviper84
    @xviper84 ปีที่แล้ว +71

    I will never understand why people put themselves in life changing amounts of debt for a wedding. The wedding industry is known far and wide as the biggest price gouging industry in the US. I find it hard to feel bad for her.

    • @jeffs.3348
      @jeffs.3348 ปีที่แล้ว +2

      Amen!

    • @curiouscat3384
      @curiouscat3384 ปีที่แล้ว +3

      Yes! Step AWAY from the bridal magazines and tv shows. RUN RUN RUN to the chapel, lol.

    • @jdrancho1864
      @jdrancho1864 ปีที่แล้ว +4

      Weddings and funerals. Pay what you can easily afford.

    • @SuckerPunch92
      @SuckerPunch92 8 หลายเดือนก่อน

      The healthcare industry would like a word

    • @ecclairmayo4153
      @ecclairmayo4153 5 หลายเดือนก่อน

      I would say the funeral industry is even worse.

  • @noone-um4hk
    @noone-um4hk ปีที่แล้ว +18

    My wife and I had a courthouse wedding, only our closest family was there. With everything it was about $600 and we used what we saved for a down payment on our first home. It's a paid off rental now, best wedding present we gave ourselves.

    • @magicfairy7805
      @magicfairy7805 8 หลายเดือนก่อน

      Me too. I can think of about 100 other things I'd rather spend money on.

  • @tiffanyhoward9935
    @tiffanyhoward9935 ปีที่แล้ว +22

    People who truly love you, would never want to attend a wedding that puts the couple in debt!

  • @mbkhan3116
    @mbkhan3116 ปีที่แล้ว +118

    till debt do us apart 🤣

    • @sleepmoneyken9234
      @sleepmoneyken9234 ปีที่แล้ว +3

      😭😭😭😭😭😭

    • @om617yota8
      @om617yota8 ปีที่แล้ว +1

      Hahahahaha that had me laughing out loud. Till debt do us part, I'm stealing that!

    • @2008cjam
      @2008cjam ปีที่แล้ว +6

      There was a show in Canada with that title about 20 years ago. Basically about the female version of Dave teaching couples to get out of debt. The episodes are on TH-cam. I still watch sometimes.

    • @1SavageQueen89
      @1SavageQueen89 ปีที่แล้ว +3

      @@2008cjam yes! I love that show! The host is hilarious and is very blunt!

    • @spaceballs44
      @spaceballs44 ปีที่แล้ว +1

      Christopher Harris, I still watch it sometimes. I wish there would be an update.

  • @ADhuv
    @ADhuv ปีที่แล้ว +20

    I hate myself when I put $100 grocery bill on a CC

    • @tristan2332
      @tristan2332 ปีที่แล้ว +5

      Why? I do it nearly every time I buy groceries the past 20 years...just pay card off when due.

    • @jumpiam8477
      @jumpiam8477 8 หลายเดือนก่อน

      You can pay it off within 3-4 day. Budgeting is a key. We get a reward back enough to pay our Costco membership, holiday dinners and some Christmas gifts every year. Unless you can't control yourself, so don't use it.

  • @jimroscovius
    @jimroscovius ปีที่แล้ว +30

    All of this money lying around and they're keeping debt like it's a pet. I will never figure that out.

  • @Opioidmoon
    @Opioidmoon 8 หลายเดือนก่อน +7

    My wedding with my husband in total was $650; my mom sewed my wedding dress, cooked the food, and the wedding was at my parent’s house. Good times.

  • @harriszaman3371
    @harriszaman3371 ปีที่แล้ว +18

    I am surprised these " Financial EXPERTS" never asked if she is getting any income from the vacation home & If no income then instead of selling rental (which is bringing her additional $2000 a month) tell her to sell the vacation home & get rid of the debt.

    • @spankynater4242
      @spankynater4242 11 หลายเดือนก่อน +1

      They should have told her to get rid of both houses, they're terrible at their jobs.

  • @nualanicghearailt8011
    @nualanicghearailt8011 ปีที่แล้ว +76

    Jade and George are so supportive and kind

    • @trebmaster
      @trebmaster ปีที่แล้ว +3

      When it's George and Dave, they play good cop bad cop.

    • @spankynater4242
      @spankynater4242 11 หลายเดือนก่อน

      It's just too bad they can't give good advice.

    • @ecclairmayo4153
      @ecclairmayo4153 5 หลายเดือนก่อน

      ❤❤❤

  • @mysticquetzal87
    @mysticquetzal87 ปีที่แล้ว +29

    when he asked if the ring is a discoball and she’s like “yep” 😂💀

  • @djtoxicdhg
    @djtoxicdhg 8 หลายเดือนก่อน +6

    112k on a credit card is actually insane

  • @anthonyn.3575
    @anthonyn.3575 ปีที่แล้ว +281

    My question is: Whose idea was it to have that $110k wedding?! If it was hers, I don’t understand why now, all of a sudden, she’s tearing up and crying on this call 🤷‍♂️

    • @candy2325
      @candy2325 ปีที่แล้ว +107

      Because that husband $200k income gone and she loved the money and now he’s unemployed and she’s freaking out 😅 so crazy

    • @minervagalvez4748
      @minervagalvez4748 ปีที่แล้ว +79

      SHE MARRIED HIM FOR HIS MONEY AND NOW SHE IS FACING THE POSSIBILITY OF HAVING TO MAKE HER OWN COFFEE!!! 🤣

    • @PStewart28
      @PStewart28 ปีที่แล้ว +30

      It was probably her idea

    • @brendondowdy5651
      @brendondowdy5651 ปีที่แล้ว +19

      @@minervagalvez4748 exactly. She's all about his money and that's it.

    • @mrscf8865
      @mrscf8865 ปีที่แล้ว +7

      sounds like he was getting the blame for their issues as well.

  • @Necromancer1776
    @Necromancer1776 ปีที่แล้ว +9

    Our entire wedding was under 10k at a nice venue with about 70 people and we began our marriage without having to worry about money. 100k for a wedding is ridiculous

  • @kendrapratt2098
    @kendrapratt2098 ปีที่แล้ว +113

    She cheered up pretty quickly. Maybe she was afraid they’d tell her to sell the ring

    • @justinegede2176
      @justinegede2176 ปีที่แล้ว +15

      😂😂😂

    • @brendondowdy5651
      @brendondowdy5651 ปีที่แล้ว +13

      Lol she just married him for money. She's talking half and leaving. He will learn his lesson. Prenuptial next time

    • @cloudtron337
      @cloudtron337 ปีที่แล้ว

      Haha

    • @patray162
      @patray162 ปีที่แล้ว +5

      ​@@brendondowdy5651 I'm curious about the mommy issues behind this, anything you're willing to share?

    • @ericamonroe7075
      @ericamonroe7075 ปีที่แล้ว +1

      @@brendondowdy5651 ???

  • @luminous6969
    @luminous6969 ปีที่แล้ว +31

    When they take calls like this, I bet there's a tiny part of them that's thinking "yeah, we're gonna be in business for a LOOOOOOLNG time, I've got job security for life!!"

    • @knighthawk9123
      @knighthawk9123 ปีที่แล้ว

      Many companies are fueled by the stupidity of customers.

    • @cl8wnm5n
      @cl8wnm5n ปีที่แล้ว +1

      😂😂😂

  • @sho14me
    @sho14me ปีที่แล้ว +5

    So why did she call in crying..and got multiple properties ,stocks and bonds and 45K in the bank..i dont get it,make it make sense??

    • @sho14me
      @sho14me 9 หลายเดือนก่อน +2

      I'm thinking the same thing.. unbelievable

  • @edema.3418
    @edema.3418 ปีที่แล้ว +7

    The people who went to the wedding are the ones who really enjoyed themselves.

  • @linuxsurfer2002
    @linuxsurfer2002 ปีที่แล้ว +15

    The hosts mentioned the tax implications of selling stocks/bonds, but there are also tax implications of selling investment (rental) real estate.

    • @ladyhawk9032
      @ladyhawk9032 ปีที่แล้ว +1

      It's called capital gains.

    • @WoodsintheBurg94
      @WoodsintheBurg94 2 หลายเดือนก่อน

      Yes, but the gains tax are partially offset by cutting out mortgage payments, property taxes, insurance, and maintenance.

  • @gdolly166
    @gdolly166 ปีที่แล้ว +40

    So glad hubby and I went small on wedding...immediate family only. Happy with his Grandma's dimond ring. Praise God we have several properties now by the Lord's grace and mercy. NOTE TO YOUNG PEOPLE-TRY TO SAVE MONEY FOR A HOME RATHER THAN AN ELABORATE ONE DAY WEDDING.

    • @HighwayLand
      @HighwayLand ปีที่แล้ว +5

      that is how my Wife and I did it, our wedding was at our little Church, and we have been together for 13 yeas now. We bought our first investment property July 2020 and we have two vehicles that are paid off.

    • @gdolly166
      @gdolly166 ปีที่แล้ว +2

      13 years for us too.

    • @Chrissy4281
      @Chrissy4281 ปีที่แล้ว +6

      My husband and I did this too. We had a wedding at a castle in Connecticut with just he, I and the pastor. No charge for the venue, they gave me flowers and the pastor not only married us for $50 but took our photos. He knows all things Connecticut and got us on a ferry to a smaller part of town where we also had an incredible meal and ice cream at a creamery for FREE all because they engaged us in conversation and found out it was our wedding day. It was magical and low cost all because we made a decision to have it this way and did the research.

    • @gdolly166
      @gdolly166 ปีที่แล้ว +5

      @@Chrissy4281 sounds very beautiful and smart.

  • @jarrodmcmillan6561
    @jarrodmcmillan6561 ปีที่แล้ว +71

    Here’s the problem when Dave isn’t on, the other “Personalities” are too nice and PC. Dave would have gave her advice while tactfully calling her an idiot. Dave makes the show.

    • @ilexevergreen5405
      @ilexevergreen5405 ปีที่แล้ว +5

      Exactly - Dave is the one who brings the humour & personality for the most part

    • @meganfitzpatrick1019
      @meganfitzpatrick1019 ปีที่แล้ว +5

      I disagree, this new gal is amazing!!!

    • @ilexevergreen5405
      @ilexevergreen5405 ปีที่แล้ว +9

      @@meganfitzpatrick1019 Jade?
      She does have some personality of her own at least!
      I do like that the newer people are so kind & compassionate for the callers' sake, but Dave makes the show memorable w/ his abruptness. He mixes bluntness w/ kindness depending on the call.

    • @ilexevergreen5405
      @ilexevergreen5405 ปีที่แล้ว +5

      Dave really cuts through all of the blablabla. He has a sharp mind.

    • @kay22100
      @kay22100 ปีที่แล้ว +7

      Dave is hard but also compassionate unlike most of the people in the comments section

  • @ScottG91
    @ScottG91 ปีที่แล้ว +2

    112k on a wedding, and the marriage won't make it past 1 year.. sad

  • @mbaileyr
    @mbaileyr ปีที่แล้ว +55

    Our wedding budget was 10k & it was beautiful. We had 90 guests.
    You spend the most on food/head count. You don’t have to invite everyone you know.

    • @KatieBellino
      @KatieBellino ปีที่แล้ว +4

      Yes, it can definitely be done for $10-15k. 6 figures is unnecessary.

  • @candicewatson5508
    @candicewatson5508 ปีที่แล้ว +25

    i think they did not address the fact he has NO job, that's the main reason why they're stressed. i don't even think they're worried about the wedding debt if the husband hadn't lost his job.

    • @MikeyPaper
      @MikeyPaper ปีที่แล้ว +4

      You missed the point entirely. No wedding should cost $112k even if he was making 200k

    • @candicewatson5508
      @candicewatson5508 ปีที่แล้ว +1

      @@MikeyPaper we pretty much all agree on that my point is they're acting like she's stressed solely because of that. she prob wouldn't have even called in if he still had his job.

    • @mewtwomotherfuka
      @mewtwomotherfuka ปีที่แล้ว

      Well her income is 70k. Its not like she said she makes 30k like most americans. They do have wiggle room. She just cant afford the 200k lifestyle. But finacially they still good.

  • @joshuatree28
    @joshuatree28 ปีที่แล้ว +7

    This is like calling the parachute manufacturing company after you jump out of a plane not wearing it.

  • @bianconerointheus6692
    @bianconerointheus6692 7 หลายเดือนก่อน +4

    When I feel down, I always love binging here to listen to stupid people making pathetic mistakes. I love it.

  • @sg9414
    @sg9414 6 หลายเดือนก่อน +2

    The husband finally told her NO, stop spending and she's unhappy. She's never going to stop spending above her income.

  • @arga400
    @arga400 ปีที่แล้ว +10

    "We are multimillionaires, should we pay our debts?"
    Bro come on lol
    Sis, whatever you know what I mean

  • @northtexan95
    @northtexan95 ปีที่แล้ว +17

    Why did George immediately jump to selling "stocks and bonds"? It's not a good time be selling those. The best answer, imo, is to sell the vacation home and sell the third home. That would be enough to pay off their residence, pay off the student loan, and give them considerable savings while the husband looks for work. I'd only sell the stocks and bonds if it was absolutely necessary.

    • @KatieBellino
      @KatieBellino ปีที่แล้ว

      It kind of sounded like the sale of the one home would clean up the mess with $200k in equity.

  • @prettyn1993
    @prettyn1993 ปีที่แล้ว +8

    This is insane! My husband and I only spent 10k on our wedding and honeymoon. We didn't go into debt for it.

  • @cesaravegah3787
    @cesaravegah3787 ปีที่แล้ว +13

    Wonderful, I give that marriage a very short life expectancy

  • @404TRUCKERTV
    @404TRUCKERTV ปีที่แล้ว +6

    Omg so $5 or $10k wasn't enough? $20k isn't enough, OK how about $40k? Nope... not even 60k or 80k. I cant imagine spending that much on a wedding. You have to work for living. My wife and I spent $5k cash or so on a 7 day cruise wedding, that includes the ring, attire food pictures everything. Had the best time of my life.

  • @elnarosiana84
    @elnarosiana84 ปีที่แล้ว +3

    I love how Jade shown so much empathy and compassion I'm sure Renee would've felt it through the phone.

  • @RonniewbNC
    @RonniewbNC ปีที่แล้ว +3

    It seems both hosts were more interested in coddling her instead of understanding why someone would charge a $100K wedding to a credit card. 🤔

  • @taurusthebull76
    @taurusthebull76 ปีที่แล้ว +4

    Take note of scenarios similar to this to avoid unnecessary pitfalls

  • @shahzeenkhan2216
    @shahzeenkhan2216 ปีที่แล้ว +7

    Wedding gives you bad debt, I would rather spend that money on my honeymoon. Even $10k is enough for a good honeymoon

  • @joelrankin
    @joelrankin ปีที่แล้ว +2

    I will NEVER understand why people spend SO much on weddings when 50% of marriages end in divorce. Crazy. Absolutely crazy.

  • @lisayeary4256
    @lisayeary4256 8 หลายเดือนก่อน +2

    My wedding cost $100.
    I loved my husband with every fiber of my being.
    We had 5 years before he committed suicide and I miss him so.

  • @thaimuayshoo1171
    @thaimuayshoo1171 ปีที่แล้ว +7

    Does anybody consider marriage to be a sacred sacrament before God anymore and not just a hedonistic celebration?

  • @tristan2332
    @tristan2332 ปีที่แล้ว +26

    Wouldn't be shocked if the wedding was really $50k or so and she brought more cc debt to marriage than she admits.

    • @taylorceja
      @taylorceja ปีที่แล้ว

      😮

    • @KatieBellino
      @KatieBellino ปีที่แล้ว +2

      Hard to say. I know someone who recently got married and was easily in the 6 figure range. There is a trend with couples making the marriage a whole weekend event for family and friends now. This can involve 2-3 restaurant/venue rent-outs on top of the actual wedding. Add in too many guests, catering, open bar, and a live band...suddenly your costs are outrageous.

  • @AnnaWitte-f8f
    @AnnaWitte-f8f ปีที่แล้ว +8

    I couldn’t imagine working over 2 years for 6 hours of fun mind blowing.

  • @user-sh7dz8ek2q
    @user-sh7dz8ek2q 14 วันที่ผ่านมา +1

    My husband and I got married for under 10k and made all that money back from cash gifts from the guests. Starting married life together after breaking even on the wedding is a great feeling!

  • @52CA
    @52CA ปีที่แล้ว +4

    People who make 200k and aren’t doctors and lawyers should realize how volatile those jobs are. Save a lot for that day when your making 50k.

  • @SnifferSock
    @SnifferSock ปีที่แล้ว +3

    This is why you talk about EVERYTHING before getting married.

  • @mcannonsr
    @mcannonsr ปีที่แล้ว +1

    “You’re married now, it’s ‘we’”. Oh the simple song of a man who has never had to speak to a divorce attorney.

  • @jenneyryan
    @jenneyryan 10 หลายเดือนก่อน +3

    I spent $100 dollars on my wedding dress, got married in our church for 60 dollars to the minister and had a great friend cater a reception meal at my in-laws house. The wedding cake was white frosting and maybe cost 50 dollars. My husband went outside and cut green ivy to decorate it. He wore a navy suit and a white shirt. It was a small family gathering and intimate. We all had a great time together.

  • @gonnahavemesomefun
    @gonnahavemesomefun ปีที่แล้ว +18

    We spent 3k on our wedding had an awesome time, rings and holiday all in haha 150 guests lol. These two presenters do so well during this call. THey are honest, to the point, but also compassionate. Well done. But I can't help but think that this lady doesn't really have a money problem. Seems an easy one to fix to me. They've got assets coming out of their ears.

    • @susanedghill609
      @susanedghill609 ปีที่แล้ว +1

      I think she is scared......perhaps insecure....a new life with a new situation......hope for the best for them....

  • @aurasphere87
    @aurasphere87 ปีที่แล้ว +5

    These folks are doing just fine....

  • @FreeAmericanUSA
    @FreeAmericanUSA ปีที่แล้ว +5

    This is 100% insane. I can't imagine having that debt on my plate.

    • @alkyr9946
      @alkyr9946 9 หลายเดือนก่อน

      but they have a way to pay it, they just did not want to. The loss of the job is what brought this out, she wanted him to pay for it. Instead, she now has to sell her house to pay for it.

  • @mcarthurspark8636
    @mcarthurspark8636 ปีที่แล้ว +3

    She wants him to liquidate his assets but not hers even though she wanted that high dollar wedding and still has student loans. He should divorce her.

  • @michaelmccarthy8848
    @michaelmccarthy8848 ปีที่แล้ว +2

    This is an example of why schools need to teach financial responsibility.

  • @chibibumblebee3190
    @chibibumblebee3190 8 หลายเดือนก่อน +2

    Yes it's a lot of debt, but they own three homes, one paid off fully worth 600-700k and almost 400k in stocks. Like they're not hurting from a huge wedding.

  • @RandomVids519
    @RandomVids519 ปีที่แล้ว +9

    Money cant buy brains and happiness 😂

  • @kristaw2686
    @kristaw2686 ปีที่แล้ว +11

    I'm sad that she felt all that indulgence for a single day was necessary. Something told them they needed/should do it- whether it be appearances, other people's pressure, tradition...Whatever it was, they weren't listening to the rational part of their minds and letting other people's perceptions and expectations rule them. Sad. Listen to your gut, forget what other people think, and never let anyone pressure you into spending YOUR money.

    • @boston312
      @boston312 ปีที่แล้ว +2

      exactly, I wonder how many people who attended their expensive wedding will be paying off their debt?

    • @dancalmpeaceful3903
      @dancalmpeaceful3903 ปีที่แล้ว +1

      I listen to my gut and MY WALLET.

  • @Sevkingblade
    @Sevkingblade ปีที่แล้ว +23

    Haha lol 😂😂 First of all a wedding is the future wife's thing ( usually ). So this whole financial mess is the hole I'm sure she insisted on digging. Now here she is. On Dave Ramsey's show. Trying to get help and Garner sympathy, for putting strain on her marriage as soon as it starts. Good job 👍🏾

    • @kay22100
      @kay22100 ปีที่แล้ว

      What’s funny about that?

    • @Sevkingblade
      @Sevkingblade 7 หลายเดือนก่อน +1

      Everything 😆

  • @jessicanoble1834
    @jessicanoble1834 9 หลายเดือนก่อน +2

    My husband and I eloped to our home church. We got married in the hallway of our church that we saw each other in for the first time since 8th grade. Our ceremony was just my husband, me, our minister, my best friend, his best friend, and my best friend’s sister to take pictures and videos. It was 11 in the morning, and after the ceremony, we went out to eat lunch at Long Horn Steak House 🙂 we gave our minister a $100 gift card to Three Story Coffee (a local Christian coffee shop), so ours was very cheap.
    We simply wanted to be married, and planning the wedding for me was very stressful as all I saw were the dollar signs, and I didn’t want to pay all of that. After I got stressed out about the money side of the wedding, we canceled the wedding and thought we’d get married a year later after saving up and after he got home from his year long deployment overseas. We remembered what it was all really about. We wanted to spend as much time together as we could before he went overseas and didn’t wanna move in together until we were married. So we got married! Married over 5 1/2 years now ❤

  • @scratch57
    @scratch57 2 หลายเดือนก่อน

    A wedding that expensive is pure vanity and extravagance.
    This no where near a real hardship.

  • @Jennifer_Lewis_Beach_Living
    @Jennifer_Lewis_Beach_Living ปีที่แล้ว +5

    Paying $112K for a wedding when you don’t have that kind of money is very stupid.
    A few commenters said this already - just because you make a great salary doesn’t mean that you’re rich. I’ve seen too many people who make six figures live paycheck-to-paycheck because they think they’re rich. You have to have at least seven figures in liquid assets to be rich.
    These folks are right - sell the third property and pay off the debt with money to spare. Even after selling it, they’ll STILL have high-six figures worth of liquid assets, and they can always rebuild. Money is circular.

  • @ignitionSoldier
    @ignitionSoldier ปีที่แล้ว +12

    So you spent 100K on a wedding that will likely end up driving the marriage apart...you can't make this stuff up. I hope they can get past this, but it sounds like a tall order.

    • @boston312
      @boston312 ปีที่แล้ว

      just wait when they divorce and have to pay thousands in lawyer fees as they fight over who will pay off the debt. You cant make this stuff up

  • @matthewlws86
    @matthewlws86 ปีที่แล้ว +15

    100k only to end up divorced in 10

    • @Dan16673
      @Dan16673 ปีที่แล้ว

      yup

    • @sherryburton7644
      @sherryburton7644 9 หลายเดือนก่อน

      Having a wedding is a blessing. Not overspending tnough

  • @Coolkem1
    @Coolkem1 หลายเดือนก่อน +1

    I got married for about 7k all in. It wasn’t the wedding of my dreams but the goal was to marry and start a life with the love of my life and that was achieved. I call that winning! 😊

  • @tpuuup
    @tpuuup 5 หลายเดือนก่อน +2

    Them ppl rich af, every layer peeled back and you're like tf these ppl calling for.

  • @tylergnosis2581
    @tylergnosis2581 ปีที่แล้ว +4

    Who needs a wedding that expensive. Is this p. Diddy

  • @SusiesRepeat
    @SusiesRepeat ปีที่แล้ว +1

    Spending $112.00 on a wedding is not someone attached to reality.

  • @beaniemac
    @beaniemac หลายเดือนก่อน +1

    Going into that much debt for what's essentially a large is beyond obscene.

  • @Espi.84
    @Espi.84 ปีที่แล้ว +34

    These callers are just…wow. They have a way out of the mess but they refuse to do what it takes which in her case is sell one property 😂
    Then she cries like if there’s no way out.

    • @YourWeirdoMJ
      @YourWeirdoMJ ปีที่แล้ว +4

      it’s ridiculous😂

    • @curiouscat3384
      @curiouscat3384 ปีที่แล้ว +3

      No she cried when she told that her husband is not participating in the solution.

    • @Matt-cr4vv
      @Matt-cr4vv ปีที่แล้ว

      She cried because her husband hasn’t been willing to sell the assets that would easily solve their problem. And after being married for at most a couple of months, him losing his job which was the immense bulk of their household income, and being unwilling to sell assets to solve the issues it’s reasonably scary for her because it isn’t simply financial but her marriage hanging in the balance of how this goes. People refuse to recognize those realities because of the higher number attached to it but facing this scenario and knowing it could end your marriage would be tough to take head on. Sure it’s wild to spend such an absurd sum on a wedding but if you factor the money they made when they made those purchases it was certainly excessive beyond what most anybody would do themselves but could be paid for with incomes at those levels.

    • @danielkim7841
      @danielkim7841 ปีที่แล้ว +1

      @@Matt-cr4vv That's an interesting take that the wedding was appropriate for their income level. I am personally horrified with the 112k price tag. But if she made 70k and he made 200k, and she make 20k from the property, I guess they brought in 290k collectively before he lost his job. So it was like 5 months salary for them. They seem so irresponsible for that wedding price tag but collectively they have over a million in assets and she still has her 70k job so they are far better off than those many hopeless souls that call in, like a man who had 300k in student loans and disabled with no job.....

    • @suzphillips8162
      @suzphillips8162 ปีที่แล้ว

      How about moving debt to a lower interest credit card in the interim?

  • @ddo9712
    @ddo9712 ปีที่แล้ว +4

    I like Jade. She's sensible.

  • @dr.bradshaw
    @dr.bradshaw ปีที่แล้ว +5

    But dang didn’t the wedding look goooooood on Instagram!!

  • @UncleDavesKitchen
    @UncleDavesKitchen 5 หลายเดือนก่อน +1

    How can someone call in and not be prepared with their mortgages and home values.