This Is the Type of Stuff That Screws Up a Marriage

[Music] brought to you by the every dollar app start budgeting for free today uh yeah I'm calling because uh my wife and I we've been really struggling we're trying to make ends meet uh we're have debt that we're trying to overcome um we know what we need to do um but the M main thing we're focus on right now is that a couple weeks ago she a wife got a bill U from discover um that we haven't paid it's about $7,000 uh from our moved here to Charlotte about little over a year and a half ago um but two weeks after moving I lost my job so it's kind of been a struggle ever since then trying to catch up on our um bills um try to even tackle any kind of debt we both have and then we're really trying to figure out what we need to do about the $7,000 bill because they want to take her to court now so I'm just trying to find out how to address that and then figure out uh what steps we kind of need to take to be able to even try to think about tackling when we're just struggling yeah how long you guys been married uh we've been married nine years okay this is probably the scariest y'all have been um it's kind of hot high stress and terrifying isn't it dude yeah especially when we got three kids and my mother-in-law that we're trying to provide for as well so yeah your mother-in-law lives with you yes mhm okay wow oh I'm sorry man it's hard um it's the kind of stuff that screws up a marriage so be careful we can we can definitely walk with you we'll we'll have some ideas over the next few minutes um but you guys are probably going to have to get a lot more radical than you've been getting I hope you're ready for that because we're about to set you on fire okay here we go you ready yes okay not working for a year inside of Charlotte North Carolina is not okay there's plenty of crap to do there you need to get your but you need to get your button gear and get six jobs right now Ready set go delivering pizza delivering door Dash cutting grass cleaning out septic tanks walking dogs cleaning up poop I don't care what you're doing you need to get in gear Skyler have you been working yeah just to clarify I eventually did find because right after I lost my job I started driving for UPS with my own car and doing door Dash um and I do have employment um it's just that I the money that I bring in is enough to pay the bills and what are you bringing in now um take home is probably about 63,000 um after taxes and is that just UPS or what is that no that's working as a recruiter oh okay so you got a different job now yes and are you working the other side job still uh yeah just do doing door dashing what's that bringing in uh not very much um not doing it much uh yeah just trying to find doing it when I have the time to yeah you got time all right you're broke um what what what your wife do uh she had her own herbal Apothecary business but she had to dissolve that um because after moving she wasn't making much money and she's applying for jobs now uh trying to find something to try to help supplement yeah how old are your kids uh so we have a 5y old 15 year old and our other son is recently turned 21 okay okay he's still at home too uh yes what's he do for a living um right now he's working uh with someone doing like pressure washing and Window Cleaning he's making about $16 an hour doing that 40 hours at least uh right now was he's not he needs to be working for he's 21 years old how old's your mother-in-law uh she's in her 60s so am I what's she do for a living uh she's uh retired why she's broke yeah she's been applying for jobs as well okay here here's what I'm pointing out to you dude your problem when you called in and and and I'm I'm going to mess with you because I love you but your problem when you called in is you can't pay your bills and you know why you can't pay your bills there's not enough money coming into the house and you know why there's not enough money coming in the house all these grown adults aren't working right that's why work is where money comes from everybody needs a job Ready set go we broke Mama D got sued by discover we about to get in gear people I am sick and tired of living like this 21y old get your butt out of bed and don't talk to me about going to happy hour at 3 o'clock on Friday be happy you working n he's not he's not saying I'm just saying I've been 21 all right get after everybody line up and get after it because that's what's going on you you're working your tail end off at at less than you used to make but you can't find time even then to do door Das yeah you can find time throw a brick through your television your wife just got is threaten to get sued this is where you're this this is when you get this kind of thing going that's going to help so the first step to solving your problems even if she made $2 $3,000 a month you know what I mean your wife yeah and your mother-in-law too and your son hello everybody that lives there you don't make enough to feed all these humans that are sitting on their butt they all got to work that's what's going on I'm sorry man I I would love it if everybody could lounge around but we don't have this as an option and your mother-in-law Whatever She's Got coming in Social Security or whatever else it goes in the pool if she living there it goes right there on the kitchen table with everybody else throws their money in the middle of the table we're going to pay our bills cuz I'm feeding you and housing you so we're going to use your money to pay our bills that's how this works everybody everybody bones up here now once you're doing that anything we could do to get your income up then let's stop and get organized so M discover hadn't been paid in a year right who else hadn't been paid um that was the main one because we used that cart that's the cart we used to move okay how much debt do you have total not counting the house um we rent so me and my wife combined uh we have about 70,000 but that doesn't include uh her student loans okay what's the 70,000 uh personal loans credit cards um my oh included my student loans about 177,000 and student loans in that as well car uh yes one how much um it's about uh 7,000 7 8,000 good okay I'm I'm glad you didn't tell me 50 Grand okay no no good you know that way you get to keep the car and so um all right so you've got 7,000 in car 17 in student loans 24 but 70 so there's another 40 in credit cards and personal loans uh yes plus your wife's student loans is how much um yeah over six figures I'm sure yeah and what's her degree in is she a lawyer or a doctor uh no psychology psychology counseling okay oh is she is she licensed no she's trying trying to get license um is trying to get license as well U so she's actually she got her master uh yeah she has her Masters and she has her interview to get into the program to get licensed okay good meanwhile we make money meanwhile we make money so hey we're going to put you guys into financial piece university and teach you how to work your budget and work together but I'm going to work everybody in that house I'm going to work you hard man cuz it's what I did it's how I got out it's where money comes from go get you some and then get these bills caught up I'll show you how I'll pay for it hold on I'm going to give it to you free create your free every dooll budget today the simplest way to budget for your life