Wife's Spending Out Of Control and I'm Terrified For My Family!
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I feel so bad for this guy. He sounds completely exhausted and defeated.
Bjorn Ironsides I'm sorry, that's not a good place to be :-(
Bjorn Ironsides Ah, I see, the classic case of FOMO. Traveling is a lot more fun when you don't have to come home to a big credit card bill.
Dorota K stop getting married. dumb man. women get compensated regardless of their actions. They are takers by nature.
Side effects of Marriage. I feel so blessed to be single! 🙏
Your very judgemental of half the world population. Keep you twisted opinion to yourself.
This man sounds like a really good guy who picked the wrong woman.
Kyle Couture I know someone like this too. Sad
Fact
Cause of action: STRATEGIC WITHDRAW
Not his fault. People can change during marriage. He might need to leave.
Picked the wrong woman cause she's financially irresponsible at 26? They can work together to become better with finances and be out of debt by the time they're 30 and be well off before 40 and live a healthy happy life.
This poor guy. She will ruin him
Brian Waller, how? He said that he has no money. There's no savings to clean out. There was no mention of owning a home. The car & student loans are in her name, so the debt should fall on her if they divorce. She makes more than he does, so I wouldn't expect him to be stuck with alimony.... Custody of the child & child support is a battle that he would probably lose. I don't see anything else... I think that he needs a divorce.
3k/yr is just $55/wk......not exactly blowing him away dollar for dollar. Btw she has a Masters at 26 and 120k in SL debt but still thinks good idea to get new car. Dude has fool for wife, hopefully she will leave him before she buries him. Smartest thing that happened is his name NOT on car loan.
Mike Rosenberger Do you know how student loans work? For instance, a man marries, his wife then takes out student loans, going to school, is the debt hers or theirs?
the question is, how could he get her to leave him.....
@texan903 Student loans are definitely not his, she's got them for life and no court would ever make him pay for her debt in her name that she took out. I borrowed 20k for grad school and finally got rid of that debt. Nobody signed but me. Government doesn't go after spouse, just the borrower.
when i get depressed about my money situation i just listen to some other people's problems and i see the 💡
And the comments also sheds light on these situations
Lol 😅😂🤓
David Skaggs Same here
The most sad thing I’ve ever heard... using people’s misfortune to lift yourself up? Smh get a better job.
If I spent 30 grand on a car without consulting my wife it would be a marriage killer, and same if she did the same. There is no respect here. She's living a single life. Money isn't the problem here - the relationship is failing.
FPV Steve agreed
FPV Steve My ex-husband did that to me: $50,000 on a Ford Super Duty without talking about it. It’s definitely the relationship.
That just happen to me. BF co-sign for friend when I explicitly told him not to. Now it’s on the mends
My husband and I agreed that any expenditure over $100 gets discussed first. I cannot fathom purchasing something like a vehicle without a conversation!
FPV Steve it’s a disaster
So basically HE has two children...one with a credit card.
😂😂😂🤣
The best comment ever! Sad but true!
Anyone that doesn’t manage money is a child. Sometimes I feel like I have four kids - my wife, my two kids, and my dog. Luckily, I make enough money and am aggressive enough about it to make sure we’re properly managing our money. But it can be exhausting.
My ex-wife did the same thing to me. She would spend her money, plus mine on a new pair of shoes every month, clothes, going out with friends and buying drinks. She would make me out to be the bad guy when I would call her out on it. I finally put the brakes on the situation and told her we would start splitting the bills evenly and I got a separate checking account so she couldn't spend my money. She then left me for a married guy that makes more money. At first I was devastated. After 2 years of being divorced I realize that it was the best thing for me. Now she is his problem and I have more money in my pocket and I am paying the same amount bills now on my own that she and I were supposed to be splitting when I was married.
i have a question for you sinc eyour divorce is her debt still yours? or is it back on her?
Emily Schueller you don’t need to date someone for 5 years to know their spending habits; it’s pretty obvious from the first 6-12 months, but some people are in denial. They find someone that they’re really attracted to physically and are blinded to any personality flaws.
Why marry?
troym33 You escaped just in time by the sounds of it.
troym33 Good for you
My wife did this to me also...., she got herself into a 2015 Jeep Cherokee with $500/month payments and $300/month insurance payments. Her dad actually co-signed on the loan for her. It's my fault for marrying a complete child, I take full responsibility, but I was laughing and crying at the same time when the vehicle got repossessed less than a year later, because I refused to help with the payments. I was an injured party, but it was the ultimate justice to see her reaction when her car was getting towed. The moment when a 25 year old baby gets their toy taken away: Hilarious.
...I really hope you mean ex-wife
hahaha
Omg are you all still together?! Idk how I’d recover from that :/ irresponsibility is so unattractive
@@nryanmusic I did say it was my fault for marrying her. But you are right. I should have been more selective about who I chose to be with. Im divorced now and Im going to make better decisions in the future.
My spouse did that to me. She got the loan but I did not go with her and I expressly stated I am 100% against it. The loan is under her name and she is responsible for it. She has been paying it every month
$130,000 degree to make $30k. What a joke. Education is a bubble.
Video Starts At yah I was thinking same thing. I sort mail for USPS make $28 a hour . With OT all year long especially at Christmas ,worker at my plant make 90k-100k just sorting mail with high school education.
Jeff 70 bless you people at the mail office who sort mail and deliver them. You deserve all that money lol online shopping and getting packages in the mail is the highlight of my life
More than likely her degree did not cost that much. Ever been to college? A LOT of people get too much on their student loans and spend the extra. I know I did lol. Bottom line, if you can't get a scholarship, grant AND a loan(only if needed after getting the first two)...or of course, use Daddy's money lol, college is not for you.
@Kai Weber Or just a dumb school choice. Now a days I find that people can go to school and come out with minimal debt if they just stay in state.
Video Starts At I mean doctors are k
Buying a car without your partners consent is a huge Marital Sin. How dare she do something like that.
It sounds like she makes a lot of major financial decisions without discussion. "She just got a credit card this year." It's a recipe to end a marriage.
Buying car with your OWN money is NOT a sin. It is MY MONEY and I can buy a car without my partners consent.
If you buy a car WITH your partners money THAT is wrong.
Brandon Clark once your married it’s not his money or her money. It’s both of yours. No matter who makes it.
LD321
Too bad so many couples don’t have these.
@@default2826 if you have a prenup then your not entirely trusting the other person, not really how marriage was supposed to work.
Finding the right person to spend your life with is more important than finding the right job/career! Do your due diligence and make good choices, people!
Nikolay Delchev Truth!!!
Nikolay Delchev People change though so who you married could be a different person 5-10 years into the marriage.
people have flaws. my wife spends too much too. but she makes enough to spend it. i just can't convince to her to pay off any debt early or start investing..
jaylenjordan2007 yeah? Well try staying at a job you hate for 5-10 yearsand hope it will get better.
Nikolay Delchev I wouldn't do that lol. And I'm not married and not planning to ever be
120k for social work making 36k.....that's a wake up call to anyone studying social work.
Social workers are grossly underpaid
You can make great money in private practice, after a couple of years once you have advanced license. Therapists near me charge $150 on up per hour, run their own business and make their own hours.
I’m studying social work and will have less than $10,000 in debt because I’m actively pursuing grants and scholarships. Social workers in general are underpaid for the work they do, but I knew that - this is what I feel driven to do. This woman went about it all the wrong way. Be smart - go to community college for first two years, transfer to a four-year and GET SCHOLARSHIPS AND GRANTS, then work for awhile. Gain experience, save up money for your graduate degree and research adult scholarships, OR actively seek out a company that will pay for you to further your education.
People are just too quick to sign on the dotted line for easy loan money. I don’t think this woman ever intended to repay her student loans; she even told her husband they’ll never pay it off.
Christopher N I honestly feel bad for my cousin who studying social work ,too late now
Christopher N Social Workers average salary in Massachusetts is close to 65k it seems Arkansas under pay with only 36k
That's not a wife. That's a parasite. I hope he got rid of it.
So true.
😂😂😂😂😂😂
🤣
Dude should have scoped this out BEFORE he said I do....
😂😂😂😂🤣
She was never wifey material.
No woman is ever wife material as long as the laws stack the deck against men.
Calls like this makes me glad I’m single. 😁
Understand but being with the one God has for you will be a blessing
^ It's a trap, don't listen to this guy
Stay single, trust me.
Aww, we’re not all that bad.
Amen
So many men scared of their wives. Dude check that woman, or leave.
"I don't have any money, but I also don't have any debt"
I really feel for this guy. I respect someone that doesn't have much money to work with but understands it, than someone that has a great income but lives far outside their means.
If he left now, only being 24 yrs old he can still have a very good life! I'd file today!!
It does sound like all of the financial mistakes are in her name only. He does have an easy out, but if they can get on the same page, it would be better for the child.
MsClarinut no getting away from her, obtaining sole custody, and finding a better quality woman would be better for the child.
Ephesians 5: 25-26
Marcus Kiner how is he getting custody
😂
$120,000 in student loan, making $36,000, spending out of control, plus $31,000 in car loan too? Time to talk to an attorney dude.
It might already be too late
Might be a problem with child support being super expensive
I feel bad for this gentleman. He sounds so polite and sincere and just defeated by this diva who just spends whatever she wants. I feel bad for their 4 year old but If I were him, I would cut it off.
I feel bad for him, he really loves her and wants the best for his family. I hope they do a follow-up after doing the financial university.
I hope he pisses her off she is a dog for doing what she is doing to him , shes a parasite that needs kicking to the curb.
The problem is she knows this.
Hopefully she will be sorry and change before that is necessary.
That pause near the beginning speaks volume of what this dude is going thru. The wife is killing him
Marriage to the wrong mate is DEVASTATING to a man’s life.
Yes, but also to a woman. Marriage is the make or break for any adult. It angers me when people take it so lightly.
Why do men always make it about gender? Marriage to the wrong mate is devastating to anyones life. You really need to grow up.
@@littleripper312because MEN get screwed the most in the divorce. And you know that.
I once dated somebody who admitted that she spent around $50 per *day*. She'd also joke about how she was constantly in debt. Tried to use me for money too. That relationship did not last long.
I spend around 70 per day on a family of 4 including groceries and gas...
Crippled Knight not bad if its your family.
Married 4 years, have a 4-year old. She got knocked up and they got married. Semi-shocking in this day and age, and a "noble" thing, but not the best basis for making a lifetime commitment. They were way too young, and barely knew each other.
j monte that's what I was thinking too, sounds like they rushed into everything.
She’s a part-time feminist. Marriage is convenience for her. Let your wife be the man she is and go your way. Your child is nothing but a pawn to her.
j monte
Meh you're always too young and never really know the person like you think you do.
j monte
@@sdw7206 😂...This comment is funny to me for some reason 😂
Wife needs a second job, send her out to deliver pizza. According to Dave thats $1500-2k a month.
Brian Waller, u should apply to amazon, they are alwats hiring
Brian, apply at more places. I agree they are tired of hiring losers and spending time/money training them. Don't be a loser, don't act like a loser when you go and apply/interview.
Wardo, deliver food. You will make a lot more money. Downside is you beat on your car doing it.
Not here in MI. Go get a cdl if that is required in your area then.
What country are you from?
I'm praying for this brother.🙏
talawoods25 I'm sure that will help.
My buddy was fixing a camper up so he could sell it and pay some bills. I was assisting him when his wife came out complaining to him he was spending to much time on the camper. She was the one running up the bills, thus the camper he was forced to do.
m ph get rid of the wife
There is no wife at my house for a reason.
What's a camper?
It's like a caravan.
@@Ndasuunye goes on the back of a lorry
This guy needs a better wife. He seems to be doing everything correct except for his wife
Even better hav no wife at all
Sad thing is, this woman is probably spending all this money to doll herself up for some other man she's screwing behind his back.
Ruthless TRUTH
bliglum Sad but true, I watch the show The Paternity Court and it has totally changed my views on how unfaithful women are and the lack of self control.
Yes it is obvious otherwise she would be cutting her spending to make her husband happier.
Or will be screwing in the future.
Professional Trombonist!!!!
He needs to get a new bank account so she can’t access his money.
Then he needs to freeze his credit so she can’t get him in More debt. Then legally separate until she agrees to
Get help. And get custody of the kid. He needs to protect the family from ruin.
I feel really bad for the guy, he's trying to be responsible, but this is where you find yourself when you get married too young, and to someone who does not share your core values
"I don't have any debt"
Think again, buddy.
It depends on the state you live in. If the credit cards are in her name and it is not a community property state he may not be responsible. I highly doubt the student loans are his responsibility
When my husband and I married, March 1982, we made a pact to not spend more than $20 without consultation. It has saved both of us from being pressured by sales people.
He made the wrong choice, she is obviously not ready yet to be someone's significant other. Divorce is a real possibility if he can't turn her mind around, as sad as that might seem, being forced to live in financial dire straits because your wife has the financial maturity of a Five year old must be very hard, good luck with your wife and I hope that you can talk some sense into her.
If he gets divorced he will be given a financial death sentence. Child support, division of assets, and 1/2 her school loans since they were taken out during the marriage. All on $29k/year. He will be homeless or in jail for failing to pay child support. Very sad situation.
That's sad I feel for him.
It could also be her way of dealing with some sort of trauma or distress. Maybe she is avoiding facing her mountain of debt, maybe something tragic has happened, who knows. That could explain why she has splurged.
On the other hand maybe she is just hopeless with money.
This absolutely sucks
When you have a wife that WILL NOT stop this behavior, split the accounts and split the bills. Whatever she has left from her check she can waste. You keep your money and do good stuff with it. If she is running out of money, that's her problem. She's the one behaving badly and you shouldn't put up with it. That or it's time to leave...
I thought that myself. Sounds like time for split checking accounts. I know his 29k isn't much, but at least he could invest some of that so he has 2 pennies to rub together.
Yeah we have one joint account but I am the one who manages it. I know every penny going in and out. Combining all income and debts is absolutely insane.
Correct, I like your answer.
What an absolute nightmare. I feel so bad for this young man. :(
OMG!!! I feel so bad for this guy. I hope things turn around for him.
"we will never pay off this debt, so lets add more to it." Flawless logic.
Don’t ever get married problem solved 💯
End of story.
120k in debt to become a social worker for 30k a year? I'm only 30k in debt to get a freaking software engineering degree. My god, where the heck did she go to college lol.
It makes me wonder if she switched majors a bunch of times or something. I spent less than 20K to get a degree in network communications (essentially an IT degree) from a 2 year college. It's only an associate's degree, but I'm making about 55K a year, not counting bonuses and overtime.
Probably flunked and remain undecided for many years before she finally sober up and got a degree
$35000 after masters seriously looser
How she is a social service worker who doesn’t have any common sense
Probably took out excessive loans just to live the high life.
I have a master’s degree in counseling and only have $23,000 in student loans. I bet she was collecting the max of student loans offered to her. She was probably living out of student loans. With a master’s degree in social work she should be bringing home minimum $50,000. There’s a lot of things here that doesn’t make sense
@@KayleeCee jeez I feel.bad for this guy he out to move on but Kaylee you seemed to have made a smart decision choosing IT field I'm in Massachusetts and wonder what state you got your degree at $20k.
I'd love for Antonio to call back in with an update.
This is why I'm single, I wouldn't want someone bossing me around or indebting me. But it sounds like she needs bossing around.
I have never left a comment, here, before, but my heart goes out to this young man...
120k in debt to be a social worker making 30k a year. ROFL!
I just love the way southerners say "yes sir" and "yes ma'am" all the time. It's so polite and respectful! I wish we still valued manners out here on the west coast! People are so rude out west.
Sounds like she might be having an affair...
bmwfan18 to be fair, he is trying and he wants to change. i am not married but admire his willingness to make it work. at 24 yrs old he isnt experienced enough, imo, to know how to put his foot down. with time he will and he will make the right decision for his and their childs future
I was thinking seems that any partner who is financially sabotaging a marriage is ready to bale out.She does not care.
That was my first thought.
@@Commanderhurtz1 In all honesty the guy can't possibly be that naive, She buys 6k worth of stuff and hes clueless? smh
Hotels, dinner with someone else
Is she living on instagram?
she's an influencer
with training wheels on
😆
Honestly a fantastic hypothesis
😂😂😂
Usually a sign she’s moved on emotionally...
I'm tired of Dave always blaming the husband for eveything. Look at how many times he rips the male callers for having debt, even if their wife is the cause of the debt. But when a female calls in, dave is always gentle with them
Pat C I think its from the persective of men not having backbones...Women should have some fault in this as well..all in all this is a sad situation.
Dave is a white knight
I agree! In this world it's hard to monitor someone 24/7.
Look up Tom Leykis
He does this in every video where the woman has made the mistakes. Always bashes the husband. When the women call he preaches about it being the husbands responsibility to pay off their debts, etc.
Get a new wife. Your only five in, get out while it's early.
Every man needs an exit strategy before marrying.
Nope. He doesn't need a new wife. Just NO wife.
I'm 19 and terrified of marriage
@@Danoff1111 you should be, given the state of family laws.
Let her end up in a ditch, and get found by a person walking their dog.
She is cheating on him.
Clearly, what passes for marriage these days is ? Women act like " you can't tell me ", and men act like they have no right to ask.
Marriage- get counseling.
Counseling lol we've also been brainwashed that's always the solution. I would suggest people try it out but that's not the answer. The answer is proper role placement. When he said "we need to sell the car" it should have been, "So we're selling this car, we will look at all the options and alternatives" and her answer should have been, yes husband. They do have some issues to work out, but the reason marriages don't work is because both husband and wife are not filling their roles. Man runs the house, the woman doesn't, therefor even if she works, he decides things. Women that don't want to be submissive need to stay single or change their thinking. And the funny thing is, with the right husband, they wouldn't act like this. They say stuff like "I wouldn't do that he'd kill me" not literally but saying they don't do certain things because they fear the husbands backlash, which they should. Today, there's no respect in the marriages, it's we both do what we want and if the relationship works it works, *Thumbs up* and people aren't particular about who they marry on the 3 big issues. Money, religion, kids. Most important 3. You will definitely want to divorce over those 3 or not even get married because of those 3.
1-How money is spend and who has authority over it
2-How kids are raised and who has authority over the house
3-What faith binds the home and decisions based on it. What church, beliefs, morality etc.
It's same page or no marriage. They at least have to be open to the 3 and I mean truly open not just saying they are.
That David Ramsey face is totally a, “This sounds like a drug problem but I’m not a counselor and am not going to ask” kind of face
Man I always wonder why people get themselves into soooo much student loan debt for such a low income. $120k debt for a 36k/year salary is just insanity. People need to go to community colleges. If you get a masters that should come with a higher wage or a higher step in the career ladder not for a stagnant wage.
I think a lot of people also put their rent and spending on student loans too
Caller: My wife racked up her credit card
Dave: 'What did she buy with her credit card'
Caller: 'All I see on the credit card statement is hotel room rentals'
She is playing him for a fool
Lol - this happened to my dad. Mom shows up with a new car without talking to my dad. I knew their marriage is over then.
I was in this exact situation. I cut the dead weight and never looked back.
Reminds me of my marriage to my exwife. She refused to see the problems of her spending. It led to our divorce. She ended up destitute, and I love a happy financially secure no-debt life.
I really feel for this young man especially when there is a child involved very difficult
Understanding the financial mindset of someone before getting serious in a relationship is very important.
Correct
I know this story, lived it. I was speechless when the car came home and it was never discussed. Mid Life Crisis? The devil is a liar! it was complete disrespect. I think I listen to Dave to remind myself that I'm not crazy that there is order to money. He's right, it affects all of the family.
4Knewt It is way beyond disrespect. This was financial infedelity! It's a form of lying to do something behind your husband's back. I would not be as calm as to me I would now have a marriage crises in addition to a finance crises and would also get marriage counseling
Timothy Gibney I appreciate your comment, especially about financial infidelity. it's moments like these that i wish I had that type of advice when it happened instead I was made to feel like a complaining wife and I didn't pray hard enough.
4Knewt Yep. Anything behind a spouses back whether it's another woman or a car is all the same. Betrayal. It's so important to be on the same page. If that cannot be done then a pastor or counselor is needed.
4Knewt did you end up divorcing him? Or were you able to resolve it?
Motivation to ever get married decreases with every phone call 😂😂😂😂
Lol.
Not really for me.
I like this show, it gives me wisdom not to be a parasite to my fiancee
Ahhhh. He sounds like a good man .a good husband and a living father. God bless your family
Ditch this lady. Run fast and never look back.
Run away!!!
I feel bad for this gentleman because he seems like a really sincere person.
My heart goes out to this guy. I hope he can find a way through this mess. If he works hard he can still find success for himself and his family.
This guy needs to get out! She has ZERO regard for him. Guaranteed she's cheating....
that's why he can't figure out what she's "buying"
At the end of the day the lesson is:
Live below your means
God Bless you Dave for lovingly helping them!
I was married for 10 years and I was in that boat. I fought for my marriage until the very end but at the end i couldn't save it. Now, I've been divorced for 3 years and my business has taken of big time and I'm doing better than ever financially.
👍🏼
That wife is manipulative and 'in control'. No respect for her husband!
Poor guy .... buys new car without him, heck buys new car when $140,000 in non-dis chargeable debt! I'd like a newer car too, but got too much credit card debt right now!
Friend of mine had a husband like that. Bought cars and spent without talking about it first. They ended up in bankruptcy.
Equal rights, equal responsibilities.
I think people forget that Dave is old school and believes that the husband is the head of his household. When callers like this young man call in Dave immediately reminds them that they need to take back the reign. People have signed up for marriage but forget what those vows meant. Start learning these financial quirks about your partner early on. Talk about it and get on the same path or you will be in the feces house much sooner than later.
Amen! Well said.
Feces house. Now that's really polite!
I feel for this guy, can hear the stress in his voice....I've been there, luckily I wasn't married to the woman, she had to go, this kind of thing will ruin your life.
"You sure? You can't get her to do anything else!" I am dying...too funny Dave!
This has been an advertisement for MGTOW. Now back to your regularly scheduled programming.
This caller kinda broke my heart. He has hope, his wife has none. I hope they figured it out and are on the same page, working toward a debt free life. Otherwise, that's a tough path to walk together.
The child's college fund is shot to heck.
$120,000 in student loan debt sounds like she was taking extra money for living expenses while in school.
My heart just goes to all these people who have lost their way unexpectedly.... and find themselves in such debt that feels so hopeless! I pray for those who are truly willing to do the work and get their lives in order to live decent lives! God Bless those who are truly willing to work on their issues! blessings and success to them!
These stories make me happy being single
I actually feel sorry for him. Good thing out of this is that he's young enough to cut his losses and financially recover.
She needs to declutter her house to see how much money she has wasted. Xx pay attention she is feeling hopeless trying to fill some spot which she feels very empty about. Declutter declutter declutter and talk have more experiences together. Only you can fill that spot nothing else. Talk to her and set financial goals and encourage her that together you can do it. Xx
I feel for this young man. He is in a tough spot. Hope he and his family can work it out,
This is actually common just before a divorce. It’s actually a strategy.
You might as well be correct!
I don't see them in the same page here. Either work on your issues or this money issue is going to break them up.
Awe He sounds like a really nice young guy.... I’m sad for him🙁
Go to a marital counselor to determine what sort of future you have with your wife. Better to do it now than later when you are both in more debt. Good luck. Wish you the best.
Sounds like wife gots a buddy on the side
Congrats on 400k subscribers, Dave!
Ryan Thomas I’m one of those 400k subs 😎
I'd like to know how this turned out for this young couple.
Married way too early without knowing about each others money habit and management...
Really, Dave? It's the Guy's Fault? It's always the guy's fault! It's HER SPENDING, not HIS! How is it HIS Problem??
He's the one that has allowed it to go on for this long. When he first saw her spending, he should have sat her down and explained the new financial set-up. Other than household money, she wasn't going to get another dime from him. She was on her own. If he quit paying her debt, she would have had no choice but to quit making bills.
I disagree with Dave on this one - hopeless doesn't spend 31K on a new car, on top of 120K student loan debt. A 2K used car does the same thing. Poor guy, stuck with a princess.
Exactly! There's a limit to what can be paid out versus what's coming in. I think she just doesn't care what damage this is doing to their finances and she just decided she wanted a new car. That's why she went and bought it without his knowledge.
After watching this, I’m praying and saying THANKYOU LORD for the gift of singleness. It truly is a gift
I love the Dave Ramsey show so much I just wish I would have known about him years ago!!!!