Ya, no way! He doesn't even have the money to. He isn't even a banker, maybe works in a bank branch but more like a teller that hands you receipts at $23 an hour.
Yes, more terrible advice from Dave Ramsey. If the roles were reversed he would say to the woman "run!" The wife is a deceitful liar and that isn't going to change. The church can't fix bad character
@@JoeMattitas Over looks the fact she is divorced, a thief and a out right liar but lets try to fix her at church..probably not her first "fix me up" at church
@@JoeMattitas Dave always pushes the church angle as first go-to, rather than give strictly secular advice like most other financial counselors. Sometimes it works, but many times it is irrelevant!!
In the USA, financing companies are very eager to lend money to young adults in the shape of credit cards, pay day loans, student loans, store cards, even car loans. The financing companies want to get young adukts hooked on borrowing and the young adults were not parented properly about finance or saving and waiting to delay gratification and foolishly want everything now on credit. It is a huge mindset problem of a whole generation.
Don’t waste your time with counseling, she’s showing you exactly the person she is! She’s drowning and waited for the right moment to pull you down with her.
Counseling just buys them time until the next f-up you find out about. They will just find more deceptive ways of hiding their failures & they’ll gaslight and blame them on you.
I caught that too lmao. Plus, even if the caller only has been married to her for 3 months, that means the girl was prob 24 when they got engaged. How did they gloss over the fact that she was probably married at 16
She's gonna get money from him too. That's how these women operate. The future ex husbands are a come up a investment they cash out at some point. The man married for love the woman married for a lifestyle and resources. The women will make every excuse for this look at the comments.
Ya. A divorced girl is the biggest red flag. Not only is she not a virgin, she decided to have a wedding at at the first chance she said “im not happy” so eff that better for worse quote.
*The amazing skills of real estate are that it help keep the family, aid financial support, and can serve as a retirement tool when retired. It's passive income which rewards hard work and patience*
He's a "banker", she's a receptionist and they both make $23/hr. I think he's a teller, not a banker. It's a track to make good money, but takes time to get there as a mortgage broker.
Gabriel can not be helped until he's willing to wake up to reality. He is in for a LOOOOOOT more pain just to admit to himself what is the truth before anybody can help him.
Caller translation : “ Yeah, yeah. She lied and hid large amounts of debt from me, but I want to talk about how she got screwed on a car loan.” … just wow
Savior complex. He just sees her as this poor victim and he doesn't realise that she's graduated from victim and is now passing her hurt (in this case financial hurt) on to him.
As a Christian, I believe this counseling is better starting with a lay marriage counselor. There are a lot of past hurts/problems that are behind this breach of trust. Stay in your church, pray, and get a psychologist to help you both understand how the two of you got into this marriage which seems to have happened after a short courtship. Money is not your biggest problem.
@@BabaBlueJaythinking the same thing…the way these grown men and women answer “yes sir” over and over again in a meek little child’s voice makes me angry 😡
She's looking for a Simp to pay her bills from the first failed marriage. Chances are, the first husband left for a reason! Now you are the guy picking up the problems. Leave her now while you still can, in time she will leave you and take your assets. Don't fall for the poor victim spouse who won't take responsibility. This story has so many red flags.
Ditch her. She's dishonest. When I was engaged a few years ago, she and I laid everything out. A couple can't move forward well w/o total transparency.
If my spouse hid his pre-marital debt from me, I would divorce him. I would have zero trust in him and would always wonder what else he's hiding from me.
@@aisherwasher6959 The fraud she committed against him is reason enough for the prenup. Without it, she can try to stick him with half the debt the longer they remain married.
@@katydid917 He has nothing to lose if he gets the marriage annulled or divorce her now. If he stays married, he could suck with half her debt if it becomes marital by him helping her pay it off. This is why Ramsey advice on marriages is stupid.
I can see how that would be upsetting. Trust is so important in a marriage. But maybe this could be an opportunity to have a deeper conversation about your finances and how you both see your future together.
We even decided to work with Aaron Morgan Bell our financial advisor, to help us sort through everything and make sure we’re on the same page financially.
Money can be a sensitive topic, especially when it comes from a previous marriage. My husband and I had a lot of discussions early on about our financial pasts. Working with someone like Aaron Morgan Bell can really help create a safe space for those conversations.
The title should be "My Wife Hid Debt from Her First Marriage From Me." In some states, it is easier to get a divorce (or possibly annulment) for a short-term marriage such as this. Regardless, he should end the marriage. The wife's failure to disclose this is the sort of thing which should (key word) make it impossible for him to trust her again. It sounds like the wife was looking for a financial lifeboat, not a husband.
*If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you...prevent inflation*
Interesting, This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro Investor?
I feel Investors should exercise caution with their exposure and.exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or a licensed expert in order to navigate this recession and achieve potential high yields
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
Brian Humphery Services was my hope during the 'bear summer' last year. I made so many mistakes but also learned so much from it, and of course from Brian.
Don't you just love how all these people call in that got screwed on car loans? Never do I hear that the caller made a bad deal, always they got screwed. smh
I appreciate the focus on the toxicity of her behavior. My ex wife (then wife) hid 15k on credit cards over just months while supposedly saving my entire paycheck. So yes we had 12k saved up but we also had 15k in debt. It's a major betrayal of trust. It's also impossible to have an adult relationship with a grown child. She's since had her car repossessed and I saw a letter from the bank that holds her mortgage asking to speak with her too. And we've only been divorced a year and she stole the entirety of a 12k dollar tax return, gets a 5K/month pension, child support, and whatever other many she can earn during the month. You can't fix stupid and you have to get yourself away from it. The anxiety of living like that made me go grey on my right side at 35.
Basically marriage fraud if you don't declare debt before getting married. It should be part of getting marriage that you both declare finances and debt. Not everyone is financially savvy enough to ask about debt, we just assume the person has no debt which is a mistake. I admit I never asked my Ex if she had any debt, luckily she didn't, but just not something I was aware of or smart enough to ask about. Now I think I will be asking about debt on the first date or 2nd. I dated a girl for 4 years and I never want to get married again, but I just assumed she was doing ok, but found out she was at least 20K in CC debt, I had no idea until she admitted it. Basically a house of cards.
$23/hour so $45-50k/year assuming they are working full time or close to it. Pretty sad when a bank is paying their employees the same hourly wage as a receptionist.
Sooooo many red flags here. Married at 17, divorced and immediately remarried at 25, $50k of debt she didn't disclose ... this kid is in WAY over his head with her.
This is why people are staying single and managing their own finances. What a nice surprise 3 months into your marriage. I feel bad for this man, but this should been discussed and addressed long before the "" I do's" were exchanged.
I'm happily married with four kids making $52. Life is better. TH-cam is full of bitter suspicious men trashing 'modern women' and bragging about being alone. But being happily married is better. Feel like I need to say that from time to time.
Wait a minute! What about HER? She needs to be taking on extra jobs to help clean up this mess. Nowhere in this conversation I heard about HER playing a role in clearing up the debt. She doesn't get a pass. I know they are married and this is now his problem too, but she brought it and hid it from him.
You mean you want her to accept responsibility for herself?!?!? What kind of craziness are you talking about?? This is the Ramsey show- he should be a real man and handle her debt bc that’s what a spineless, dickless man does 🤣🤣 (all sarcasm for those of you who can’t tell)
Sometimes, you have to just cut your losses. Maybe can get an annulment for a three-month marriage. “Bankers” aren’t paid hourly wages any more than doctors are, but bank tellers are. A woman is 25 and was married for seven years. She is just a bag of bitterness at this point. She was a bad choice. This guy obviously had limited mating choices. He’s better off continuing to go solo than couple with trash.
Depends on the person works for some of us was engaged within 3 months married before 6 months. Know a few people that were engaged in less than a week and married more than 40. Only seems to work if both people are blunt and straight forward have heard some horror stories as well.
Most men don't know the legal and financial obligations of marriage. There should be a class on marriage and respinsibilies in high school. Even police officers get caught in this legal web as most are not familiar with civil laws related to marriage.
Gimme a break. If I don't know something, I seek out information and learn. That's what men do. Boys whether they are under 18 OR over 18 are too busy playing X-box than to seek information. Never forget, this is the digital age and information is available and you can access it much easier than those who grew up in the 50s thru the 90s. I have to add, why does it seem that as machines get smarter, humans get dumber, lol. Again, I don't need to be handheld to at least start to seek information and learn.
@@frequentlycynical642 Of course you are. 🙄 It means a huge percentage of the females in this area are well known cheaters and it's to be expected. How would you get racist out of my comment anyways? 🤔
@@frequentlycynical642 Of course you are. How do you get racist out of my comment? If it were not already in you to start with you wouldn't get that from what I said.
Sorry my dude, if you're saying she got screwed by the car dealer, the vet, the ex, the bank, and who ever else, you need to start looking at the common denominator, because you just caught her screwing you. She seems to really not want you to have an open dialog with her ex... abuse happens... but you caught a liar, maybe both, but you need to start asking questions before you're the 'abusive ex' to the next guy.
23/hr for a banker thats just entry level actually lines up well. He’s making the average salary in my state for bankers with less than 4 years of experience and I live in NY. They usually don’t make real bank until 4-6 years of experience. He’s 23 he’s got some time to build that salary.
@Dontrolling he’s prob just a bank teller and just saying he’s a banker as away of saying he works at a bank. My gf works at a bank and if you ask what she does for work. She’ll just say she works in banking, unless you ask what it is that she does and then she goes into full detail of her job
@@reese85you’re wrong a starting teller earns $18/hr these days prior to 2020 tellers were paid $10/hr. A starting banker does earn $23/hr full time that’s $47,842/yr and that’s without bonuses which usually is $3k-$6k/yr.
@famousamos1 I never said that was his starting salary cuz idk how long he’s been at his job for and I’m sure starting salaries are diff at diff companies and depending on his experience, which we also don’t kno
@famousamos1 again! My gf been working in the banking industry for like 15 yrs and if you ask what she does for a living. She’s either gunna say she’s a banker or that she works in banking and others that I meet thru her all say the same thing. Regardless of their actual position
Man needs to man up and confront her up close and personal , quit protecting her and falling for her victim card . Toughen up and walk away 3 months , all the time in the world to get out with no problems .
There are serious trust issues involved here beyond the money. I heartily agree that honestly is missing for whatever reason and should be worked out between you guys very soon before it becomes beyond disastrous later. And, trust me, it can go there. Been there. Good luck.
Why do these people always say they got screwed on their car loan . Sometimes yes there’s stories where thI dealer sold it for wayyy wayyy over the market value to someone not wise enough to check. But it you sign a higher interest loan for a car because you want it …you did a bad deal . They didn’t screw you
Husband sees wife as a victim - so he excuses and enables her. Good Luck with that Caller. Hope you listen to Dave - the problem is the LIE not what she lied about. It will keep on repeating as long as you think she is a victim and you enable this.
Hallelujah 🙌🏻!!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻. I was owing a loan of $49,000 to the bank for my son's brain surgery, Now I'm no longer in debt after I invested $11,000 and got my payout of $290,500 every month…God bless Mrs Susan Jane Christy ❤️
UK: I'm 55 and managed to squirrel away about £200k in cash for my retirement. By the time I'm 60 it'll be about £275k. She doesn't know I've got this much and that's how it's staying.
Woman are only in it for themselves. It's called narcissism. It's the whole reason that every man on the planet for thousands of years. No matter the color creed or country didn't allow woman to vote untill the middle of the 19th century. Boy are them men paying the price now.
Ramsey is right. Trust and deception is the problem here. That needs to be resolved. If not, this will come up again somewhere in the marriage. This is what happens when guys get smitten and don't do their due diligence.
In the 50's my Dad worked a modest job, Mom stayed at home and raised the kids, and they lived a nice middle class lifestyle including owning a home. Nowadays both I and my partner works and can barely afford to make ends meet. Soon the kids and family dog will need to work to keep this household going. It's the destruction of the American dream right before our eyes.
If you didn't knock up the wife. I'd say get ridd of her. Your life would get better right there. My guess is she's going to get ridd of you soon. So you can be broke and she can live the American dream. Your child support and Uncle Sam as her daddy. 70 percent of woman are on that plan.
Ex was "abusive" yet she's the one doing the abusing. Hmm. Ok bro. Lying is abuse, and lying about tens of thousands of dollars to manipulate you into marriage is extraordinary abuse. I highly doubt she was abused. Seems unlikely. Regardless, that's irrelevant to her abuse toward you
Call a lawyer and get the marriage annulled!!
Yeah a friend of mine got his marriage annulled after a few months because she did not disclose her credit card and student loan debt.
@@blackworldtraveler3711that’s ridiculous why get married?
Couldn’t agree more, she knew and knows better and you deserve better.
Yes exactly
You believe him? His story is full of holes.
I can’t believe they are telling him to clean her mess. Dude, run away, this girl is a liar and a cheat. She played you like a violin.
Ya, no way! He doesn't even have the money to. He isn't even a banker, maybe works in a bank branch but more like a teller that hands you receipts at $23 an hour.
If the roles were reversed they would tell her to run bare feet and never look back
Yes, more terrible advice from Dave Ramsey. If the roles were reversed he would say to the woman "run!" The wife is a deceitful liar and that isn't going to change. The church can't fix bad character
@@JoeMattitas Over looks the fact she is divorced, a thief and a out right liar but lets try to fix her at church..probably not her first "fix me up" at church
@@JoeMattitas Dave always pushes the church angle as first go-to, rather than give strictly secular advice like most other financial counselors. Sometimes it works, but many times it is irrelevant!!
She's not worth it. Married as teen, got divorced with that much debt?
Cut the cord dude!
Marriage is a business. Don't let anyone tell you otherwise.
She got married at 17 and then immediately got into another marriage, she doesn’t know how to be an individual, let alone a partner
@@zoeyredmond5501 The marriage is solely for financial support to her.
Not only that claims "abuse" yet jumps RIGHT INTO another marriage... ROFL!!!!!! How DUMB is this guy?
@@w8stral Some people feel peer pressure to be married.
Hid money? More like hid the lack of money lol
As a guy you especially gotta hide your money after divorce. 😂
Yeah, bad title.
@@BREEZYM6015after divorce is too late
She hid DEBT. Title is so wrong
😂
Was she married at 17 and racking up debt? Is she even 25? Was there really even a dog? I have so many questions.
She was married at 17 if you factor that she divorced at 25, she'd have to remarried him right away which would definitely be a big red flag too
@@benmoisio232that was my first thought
Same! She tells one big lie, how can he trust anything else?
In the USA, financing companies are very eager to lend money to young adults in the shape of credit cards, pay day loans, student loans, store cards, even car loans. The financing companies want to get young adukts hooked on borrowing and the young adults were not parented properly about finance or saving and waiting to delay gratification and foolishly want everything now on credit.
It is a huge mindset problem of a whole generation.
I thought about it as well. I don't understand why people need advice on some things.
You are 23, get out NOW. It will only be more costly
That’s the best answer, but I hope they both fix themselves and go forward in a smart way, regardless.
Annulment is possibly still an option
Best option.
Yup. If he keeps her, he can't complain he didn't know when she does it again.
Well, he'll have to explain having an ex-wife to anybody else he gets serious with. Unless he decides to hide pertinent info too.
Don’t waste your time with counseling, she’s showing you exactly the person she is! She’s drowning and waited for the right moment to pull you down with her.
Exactly! she not marriage material as you can tell from her successful first marriage
@@tonyngo9200 and her lying.
Get a very tough lawyer ASAP -- you might be able to even get an annullment on grounds of extreme financial fraud!!
Counseling just buys them time until the next f-up you find out about. They will just find more deceptive ways of hiding their failures & they’ll gaslight and blame them on you.
Forget marriage counseling. Bro you need to run as fast and far away from her as you can get.
Caller is not listening to what Dave is saying - the marriage is in default way deeper than finances. DO NOT HAVE A BABY TO FIX MARRIAGE!
Some people are so desperate for love. That they are willing to commit to bad relationships. Its sad but happens alot.
That’s not hiding money, that’s hiding debt.
It is being deceptive. There are a number of calls to Dave over the years regarding people who were not forthcoming about their financial situation.
ya that's what thought too
@Vydio ...right...deceptive about debt NOT money...as the OP said...
Lying about debt. Because he said they discussed finances prior to marriage.
Hold on. She’s 25. And she just married this guy.. but she was married for 8 years before that?
I caught that too lmao. Plus, even if the caller only has been married to her for 3 months, that means the girl was prob 24 when they got engaged. How did they gloss over the fact that she was probably married at 16
🤦🏻♀️
@@skonew yes, this!👆🏼
I'm much older so it wouldn't work out between me and her. 😂
🤢
She didn't hide money, she hid her debt. Get annulment.
The tittle is exactly backwards.
3 months, just get the marriage annulled.
Right now hes "in love". Its the honeymoon stage and she is his everything...dont bother
You need a valid reason buddy boy. Money 💰 is not a valid reason.
The divorce rate for 2nd marriages is almost 67%.
She's gonna get money from him too. That's how these women operate. The future ex husbands are a come up a investment they cash out at some point. The man married for love the woman married for a lifestyle and resources. The women will make every excuse for this look at the comments.
Serial Divorcers
What about for 5th marriages? 😂
Ya. A divorced girl is the biggest red flag. Not only is she not a virgin, she decided to have a wedding at at the first chance she said “im not happy” so eff that better for worse quote.
@PSi_14.7 especially when you’re 23.
This guy is not very bright. Sounds like they bonded over making $23/hr and got married after the first date.
😂😂😂😂
Yup he put his emotional before his brain and felt really hard 😂😂
Lmao 💀
Hilarious
Deception is the perfect justification for filing an annulment. DO IT SON. She's playing you.
*The amazing skills of real estate are that it help keep the family, aid financial support, and can serve as a retirement tool when retired. It's passive income which rewards hard work and patience*
It’s the same talk everywhere but no one is saying how to get started?
I work with a *Financial adviser;*
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How do I reach him ;
You can reach him by searching this names 👇
He's a "banker", she's a receptionist and they both make $23/hr. I think he's a teller, not a banker. It's a track to make good money, but takes time to get there as a mortgage broker.
Bro is still defending her until the end of the call lol simps gonna simp
That’s his wife. That’s what people do with their spouse.
@@acd1168
Not if the spouse was being deceptive. If the spouse lies to you, you don't have to defend that spouse.
Preach
Lol Dave trying to hold his laughter in at 3:09 and then "Oh Geezus" a few seconds later when this guy said he was a banker Looooool 😂😂😂😂
This nieve boy is getting played... Son, you need to cut your losses divorce this woman and run. Especially if you don't have any kids with her yet.
"Naive" -- but I agree totally with your advice to the caller!
ATM until she decides he is.. abusive lol
What is a nieve boy?
She sounds like she likes getting screwed 😜
@@pamsmith1665 just google it, man
Calller: the dog died
Dave Ramsey:😂😂😂😂😂😂
☠️
I thought he was gonna say it was repoed too😅
I think it was the irony of being in debt for the dog who has now passed
@@pamsmith1665 yeah, it's definitely that 😄🙈
She probably had a life insurance policy on the dog. lol
Caller tells Dave the dog died and Dave cracks up.
Because it’s like a country song, as he said
@@kendrapratt2098I'm gonna write one just for this caller. 😂
I did too! I laughed even harder when he said he's a banker!
@dougholdem2898 why did you laugh harder at him being a banker? Being a banker could’ve meant anything
@@dougholdem2898 At $23/hr he is not a real banker--he is a bank teller. Glorified cashier.
Gabriel can not be helped until he's willing to wake up to reality. He is in for a LOOOOOOT more pain just to admit to himself what is the truth before anybody can help him.
Caller translation : “ Yeah, yeah. She lied and hid large amounts of debt from me, but I want to talk about how she got screwed on a car loan.” … just wow
Savior complex. He just sees her as this poor victim and he doesn't realise that she's graduated from victim and is now passing her hurt (in this case financial hurt) on to him.
@@MisterNightfish”white knight” is the current term for this kind of behavior
Delony: are you safe right now 😂😂😂
@@JonathanIvy221 lolol yes
Her thighs keeping his body safe and his mind off💀
@JonathanIvy and...I want you to write her a letter, and then...hold her face close to yours and say "I love you...🤣🤣😂😂
"She wasn't honest with you... Have you grieved that?"
“I want you to take yourself out to breakfast every Friday asking for forgiveness that you couldn’t go back in time and save her” 😂😂
This guy doesn’t sound like the sharpest tool in the shed. He has an inability to answer even simple questions.
But he's a "banker!" I didn't even know bankers were paid hourly. At best, just out of college by a year, no MBA.
@@frequentlycynical642 A bank teller maybe
@@tonyngo9200 Bank teller sounds right.
Or sounds like he's trying to lie about himself. To make himself not look stupid😂
@@frequentlycynical642 Does he mean a teller or someone in customer service in the back offices??
That "she did sir" at 0:41 had so much hurt, distrust, and panic all in a one second response
As a Christian, I believe this counseling is better starting with a lay marriage counselor. There are a lot of past hurts/problems that are behind this breach of trust. Stay in your church, pray, and get a psychologist to help you both understand how the two of you got into this marriage which seems to have happened after a short courtship. Money is not your biggest problem.
23 year old simp, damn the woman trapped him
You could hear it in the voice. Dude is spineless.
We all know either she’s hot or she knows what she’s doing between the sheets
I wonder what she looks like. Maybe love blinded him. 😂
Yeah he's too immature to be married.
@@BabaBlueJaythinking the same thing…the way these grown men and women answer “yes sir” over and over again in a meek little child’s voice makes me angry 😡
Run while you can.....3 months or your future?
He is in his honeymoon stage..he just playing superhero
A future that would require explaining to anybody you get serious with that you have an ex. And convincing said person that you weren't the problem.
She's looking for a Simp to pay her bills from the first failed marriage.
Chances are, the first husband left for a reason! Now you are the guy picking up the problems.
Leave her now while you still can, in time she will leave you and take your assets. Don't fall for the poor victim spouse who won't take responsibility. This story has so many red flags.
Can’t save a simp from being a simp 🤣🤣🤣
Ditch her. She's dishonest.
When I was engaged a few years ago, she and I laid everything out. A couple can't move forward well w/o total transparency.
If my spouse hid his pre-marital debt from me, I would divorce him. I would have zero trust in him and would always wonder what else he's hiding from me.
I love when Dave looses his composure and just starts laughing
She gets out of an abusive relationship to being the abuser.
That's usually how it goes either way. The abused usually turns into the abuser
she was always the abuser.
Ask for an annulment.
Do not get counselling from your church. Get it from someone independent
100 %
He should do both.
Caller-listen to Dave or get divorced. What she did to you is a major breach of trust. Money is not the problem.
When he said, “the dog died”, I fell to my knees crying I was laughing so hard!!! 😂😂😂 Literally in tears!!! 😂😂😂😂
Why? Weird to laugh over someone dying
Failure to disclose material information is not lying (unless opposing representations are made); it is fraud.
Maybe. But the term “lies of omission” is definitely applicable here.
Pretty much..this guy made his life harder in less than 3 months lol
Oh, you mean like all the bought and paid-for democrat supporting media these days?
He should try to get the marriage annulled. This is why men need prenups.
Unless the man is a millionaire, that is not enough debt to justify a prenup. That'd just be a waste of money
@@aisherwasher6959 The fraud she committed against him is reason enough for the prenup. Without it, she can try to stick him with half the debt the longer they remain married.
The man doesn’t have anything to lose. Why would he need a prenup?
@@katydid917 Because in another 5 or 8 years he might be well into his career and have things to lose.
@@katydid917 He has nothing to lose if he gets the marriage annulled or divorce her now. If he stays married, he could suck with half her debt if it becomes marital by him helping her pay it off. This is why Ramsey advice on marriages is stupid.
If hubby is a "banker" that makes $23/hour he's at BEST a teller, more likely the guy that loads the coin counting machine.
YUP, this guy isn't 100% legit.
Sometimes people do that out of fear or not wanting to burden the other person with old baggage.
Yeah, it’s a tricky situation. My first reaction would be to feel hurt, but maybe there’s more to the story.
I can see how that would be upsetting. Trust is so important in a marriage. But maybe this could be an opportunity to have a deeper conversation about your finances and how you both see your future together.
My wife and I went through something similar. We had a big talk about it, and we realized we needed to be more open about money.
We even decided to work with Aaron Morgan Bell our financial advisor, to help us sort through everything and make sure we’re on the same page financially.
Money can be a sensitive topic, especially when it comes from a previous marriage. My husband and I had a lot of discussions early on about our financial pasts. Working with someone like Aaron Morgan Bell can really help create a safe space for those conversations.
The title should be "My Wife Hid Debt from Her First Marriage From Me." In some states, it is easier to get a divorce (or possibly annulment) for a short-term marriage such as this. Regardless, he should end the marriage. The wife's failure to disclose this is the sort of thing which should (key word) make it impossible for him to trust her again. It sounds like the wife was looking for a financial lifeboat, not a husband.
*If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you...prevent inflation*
Interesting, This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro Investor?
I feel Investors should exercise caution with their exposure and.exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or a licensed expert in order to navigate this recession and achieve potential high yields
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
Brian Humphery Services was my hope during the 'bear summer' last year. I made so many mistakes but also learned so much from it, and of course from Brian.
He is really a good investment advisor. Was privileged to attend some of his seminars.that's how I started my own crypto investment
This guy is so gullible. Wake up dude. She's bad news
"Sounds like a country song" never laughed so hard at a Ramsey clip
😂 My dog died and my wife ran away ...
After the call he continued on with no fix.
Don't you just love how all these people call in that got screwed on car loans? Never do I hear that the caller made a bad deal, always they got screwed. smh
Modern mentality. No one is responsible for their own mistakes or situations. Everyone is oppressed or defrauded.
Poor kid. He's too young to even understand how to prioritize the problems in his life. I hope he listens to Dave.
That would really mess him up. Dave is an elitist snob living in a fantasy world.
Dave wants this guy to negotiate with the collections people? He better give him a script to follow, otherwise he'll end up paying more than he owes!
Another perfect example of why cars should be purchased with cash.
A better example of why clueless young people shouldn’t get married, but yeah.
And women should be leased
Perfect example...leave the red flags to the Chinese government
I've had 5 cars ( 1 a gift dads old car) and the total was 23k. Plus a little tax on the first one
Cash only!
I appreciate the focus on the toxicity of her behavior. My ex wife (then wife) hid 15k on credit cards over just months while supposedly saving my entire paycheck. So yes we had 12k saved up but we also had 15k in debt. It's a major betrayal of trust. It's also impossible to have an adult relationship with a grown child. She's since had her car repossessed and I saw a letter from the bank that holds her mortgage asking to speak with her too. And we've only been divorced a year and she stole the entirety of a 12k dollar tax return, gets a 5K/month pension, child support, and whatever other many she can earn during the month. You can't fix stupid and you have to get yourself away from it. The anxiety of living like that made me go grey on my right side at 35.
Basically marriage fraud if you don't declare debt before getting married. It should be part of getting marriage that you both declare finances and debt. Not everyone is financially savvy enough to ask about debt, we just assume the person has no debt which is a mistake. I admit I never asked my Ex if she had any debt, luckily she didn't, but just not something I was aware of or smart enough to ask about. Now I think I will be asking about debt on the first date or 2nd. I dated a girl for 4 years and I never want to get married again, but I just assumed she was doing ok, but found out she was at least 20K in CC debt, I had no idea until she admitted it. Basically a house of cards.
The dog got out just in time. RIP Doggy 🐕🐶
He's a "banker" making 23K? He's a TELLER at a bank! Both of them have been living waaaay the hell over their incomes.
$23/hour so about $45K
$23/hour so $45-50k/year assuming they are working full time or close to it. Pretty sad when a bank is paying their employees the same hourly wage as a receptionist.
I heard him say $23/hr, but maybe not
Africans love to call themselves "bankers"
@brendand3600 it’s not sad if he’s a bank teller
Sooooo many red flags here. Married at 17, divorced and immediately remarried at 25, $50k of debt she didn't disclose ... this kid is in WAY over his head with her.
The thing is 17 to 25 is not right away it’s all your adult life if you’re only 25 for it’s forever
He left out the part where she's smoking hot, and he's a dorky nerd. That's really the big ole problem....sad
Its his first one..She touched him and he fell for her spell...and she dusted the dirt off her shoulders
This is why people are staying single and managing their own finances. What a nice surprise 3 months into your marriage. I feel bad for this man, but this should been discussed and addressed long before the "" I do's" were exchanged.
I'm single making $28 an hour. Life is good. 😂
I'm happily married with four kids making $52. Life is better.
TH-cam is full of bitter suspicious men trashing 'modern women' and bragging about being alone. But being happily married is better. Feel like I need to say that from time to time.
Wait a minute! What about HER? She needs to be taking on extra jobs to help clean up this mess. Nowhere in this conversation I heard about HER playing a role in clearing up the debt. She doesn't get a pass. I know they are married and this is now his problem too, but she brought it and hid it from him.
You mean you want her to accept responsibility for herself?!?!? What kind of craziness are you talking about?? This is the Ramsey show- he should be a real man and handle her debt bc that’s what a spineless, dickless man does 🤣🤣 (all sarcasm for those of you who can’t tell)
Was she a child bride? These numbers are confusing 😂
Maybe she’s older than she told him 😳
@@kendrapratt2098sur, cause women ADD yrs. 2 their reported ages. 😂
If she's the age he's reporting, she would have jumped out of the first marriage and landed directly into the second one. This poor guy...
It sounds like he’s lying here. Way too many holes in his story.
You can marry under 18 in many states
"She was in an abusive relationship,"
Congratulations, you're a hero who saved her, and now you are in an abusive relationship."
Sometimes, you have to just cut your losses. Maybe can get an annulment for a three-month marriage. “Bankers” aren’t paid hourly wages any more than doctors are, but bank tellers are. A woman is 25 and was married for seven years. She is just a bag of bitterness at this point. She was a bad choice. This guy obviously had limited mating choices. He’s better off continuing to go solo than couple with trash.
LOL he is 23 and clearly doesn't know what he is talking about. I expect he is a bank teller but used the word banker.
Dave started to laugh at 2:58 just before the caller said "the dog died".
She's a lying liar. If you keep her, don't complain when she lies again.
People really just go out and get married these days. I knew my wife for 6 years before we went to Vegas and tied the knot on a random Monday.
Depends on the person works for some of us was engaged within 3 months married before 6 months. Know a few people that were engaged in less than a week and married more than 40. Only seems to work if both people are blunt and straight forward have heard some horror stories as well.
Get divorced. Dont let her drag you down with her.
Most men don't know the legal and financial obligations of marriage. There should be a class on marriage and respinsibilies in high school. Even police officers get caught in this legal web as most are not familiar with civil laws related to marriage.
Gimme a break. If I don't know something, I seek out information and learn. That's what men do. Boys whether they are under 18 OR over 18 are too busy playing X-box than to seek information. Never forget, this is the digital age and information is available and you can access it much easier than those who grew up in the 50s thru the 90s.
I have to add, why does it seem that as machines get smarter, humans get dumber, lol. Again, I don't need to be handheld to at least start to seek information and learn.
Women, too.
If she's gonna hide money she's gonna hide way more than that
Next thing, she' be playing "Hide the Salami."
@@frequentlycynical642
They are in atlanta. Oh course shes playing that.
@@yakfishin4912 The only thing I can figure your comment means is pretty racist. Am I wrong?
@@frequentlycynical642
Of course you are. 🙄
It means a huge percentage of the females in this area are well known cheaters and it's to be expected.
How would you get racist out of my comment anyways? 🤔
@@frequentlycynical642
Of course you are. How do you get racist out of my comment?
If it were not already in you to start with you wouldn't get that from what I said.
Not Dave laughing at the dog!!! 😂😂
No dog is worth 6 grand
Might have been an old dog, and all of it vet bills.
Sorry my dude, if you're saying she got screwed by the car dealer, the vet, the ex, the bank, and who ever else, you need to start looking at the common denominator, because you just caught her screwing you. She seems to really not want you to have an open dialog with her ex... abuse happens... but you caught a liar, maybe both, but you need to start asking questions before you're the 'abusive ex' to the next guy.
If you're making $23/hr, you're not a "banker". At best, you're a bank teller. A "banker" tends to make, well, "bank".
23/hr for a banker thats just entry level actually lines up well. He’s making the average salary in my state for bankers with less than 4 years of experience and I live in NY. They usually don’t make real bank until 4-6 years of experience. He’s 23 he’s got some time to build that salary.
@Dontrolling he’s prob just a bank teller and just saying he’s a banker as away of saying he works at a bank. My gf works at a bank and if you ask what she does for work. She’ll just say she works in banking, unless you ask what it is that she does and then she goes into full detail of her job
@@reese85you’re wrong a starting teller earns $18/hr these days prior to 2020 tellers were paid $10/hr. A starting banker does earn $23/hr full time that’s $47,842/yr and that’s without bonuses which usually is $3k-$6k/yr.
@famousamos1 I never said that was his starting salary cuz idk how long he’s been at his job for and I’m sure starting salaries are diff at diff companies and depending on his experience, which we also don’t kno
@famousamos1 again! My gf been working in the banking industry for like 15 yrs and if you ask what she does for a living. She’s either gunna say she’s a banker or that she works in banking and others that I meet thru her all say the same thing. Regardless of their actual position
No. Don't call the church for marriage counselling. Call a professional therapist!!!!!!!!!!!
Do a background check before getting married
Don't get married.
It really does boil down to that now days know their financial situation it's almost like a resume when dating today. Anna In Ohio
@@Saveahorse82 What if She offers: TWO Fully survivorable Pensions and Free Lifetime Family Heathcare.
@@Saveahorse82amen to that
And a foreground check.
Annoying when people think yes and no answers are good enough when calling in...
Oh oh oh i know, get the marriage annuled and let her deal with the mess she made
Man needs to man up and confront her up close and personal , quit protecting her and falling for her victim card . Toughen up and walk away 3 months , all the time in the world to get out with no problems .
Wake up, Young Man!!! She'll drag you down the drain......further......End it!!!!
There are serious trust issues involved here beyond the money. I heartily agree that honestly is missing for whatever reason and should be worked out between you guys very soon before it becomes beyond disastrous later. And, trust me, it can go there. Been there. Good luck.
-Where is the dog?
-The dog died
😂😂😂😂
"Sounds like a country song" just about laid me out laughing!
Why do these people always say they got screwed on their car loan . Sometimes yes there’s stories where thI dealer sold it for wayyy wayyy over the market value to someone not wise enough to check. But it you sign a higher interest loan for a car because you want it …you did a bad deal . They didn’t screw you
HE'S GETTING PLAYED😂
He is gullible. She hid the debt but he totally believes everything she says about the debt and previous marriage. He needs to get an annulment.
Husband sees wife as a victim - so he excuses and enables her. Good Luck with that Caller. Hope you listen to Dave - the problem is the LIE not what she lied about. It will keep on repeating as long as you think she is a victim and you enable this.
Yup today it's debt, tomorrow it's who's the daddy of his kids.
Hallelujah 🙌🏻!!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻. I was owing a loan of $49,000 to the bank for my son's brain surgery, Now I'm no longer in debt after I invested $11,000 and got my payout of $290,500 every month…God bless Mrs Susan Jane Christy ❤️
Hello!! how do you make such monthly, I’m a born Christian and sometimes I feel so down of myself 😭 because of low finance but I still believe God
Hi that's good you have idea &share to those who deserve it that's great god bless🙏🙏
She's a licensed broker here in the states🇺🇸 and finance advisor.
After I raised up to 525k trading with her I bought a new House and a car here in the states🇺🇸🇺🇸 also paid for my son's surgery….Glory to God, shalom.
Can I also do it??? My life is facing lots of challenges lately
UK: I'm 55 and managed to squirrel away about £200k in cash for my retirement. By the time I'm 60 it'll be about £275k. She doesn't know I've got this much and that's how it's staying.
My question is what else is she not telling him
Men are in love, women are in business - Coach Greg Adams
Woman are only in it for themselves. It's called narcissism. It's the whole reason that every man on the planet for thousands of years. No matter the color creed or country didn't allow woman to vote untill the middle of the 19th century. Boy are them men paying the price now.
I want to hear her side of the story. It’s obvious something is missing here.
Ramsey is right. Trust and deception is the problem here. That needs to be resolved. If not, this will come up again somewhere in the marriage. This is what happens when guys get smitten and don't do their due diligence.
Run.
Run far.
Run fast.
Run forest run !!
In the 50's my Dad worked a modest job, Mom stayed at home and raised the kids, and they lived a nice middle class lifestyle including owning a home. Nowadays both I and my partner works and can barely afford to make ends meet. Soon the kids and family dog will need to work to keep this household going. It's the destruction of the American dream right before our eyes.
But what if the dog dies?
People had less stuff in the 1950s.
@@serahloeffelroberts9901. Stuff gets handed down now. There parents didn't have shit to hand down.
If you didn't knock up the wife. I'd say get ridd of her. Your life would get better right there. My guess is she's going to get ridd of you soon. So you can be broke and she can live the American dream. Your child support and Uncle Sam as her daddy. 70 percent of woman are on that plan.
Ex was "abusive" yet she's the one doing the abusing. Hmm. Ok bro. Lying is abuse, and lying about tens of thousands of dollars to manipulate you into marriage is extraordinary abuse. I highly doubt she was abused. Seems unlikely. Regardless, that's irrelevant to her abuse toward you
Such great advice ❤💸
Getting married is Russian roulette.
WORSE !!