My Wife Hid Money From Her First Marriage From Me

[Music] brought to you by the every dooll app start budgeting for free today well I just find out that my wife has $70,000 in bed from her previous marriage and uh I don't know what to do sir she wanted to Fire bankrupts and uh I'm freaking out okay how long have you been married three months whoa yeah so you guys didn't talk about money before you got married yes you're saying she hid this from you she did Sir okay um what is the nature what kind of debt is it okay so I have all the informations here uh she was in a busy relationship and her ex-husband took everything for her and uh they together had a car repo that equals $50,000 MH she had a car loan that she got screwed that equals $12,000 had a what a car loan a car loan is 50 Grand I got that what was the second thing it's a car loan that she needed uh to get a new car for her oh another car loan her ex to yeah another car on pet rer uh and she got $60,000 in collection and 2,000 credit cards all right I'm sorry I thought you said it was 70,000 7,000 that's right okay 50,000 on a car repo yes sir okay and what's the other 20,000 12,000 in a car loan okay do you have the car yeah she does have the car right now okay she's driving a car around and you're engaged to her and you didn't know it had a car loan on it I do know that she had this uh 12,000 car loan oh okay so you didn't know part of this okay yeah and then the other 8,000 is what uh it's 6,000 collections what 2,000 in credit card collections on what medical bills okay medical good all right and uh and then what was the other what's the fourth one what medical bills and a dog a dog okay yes that's the 6,000 okay is there is there anything I've got three things car loan car repo 6,000 in medical bills you got anything else uh 2,000 credit cards oh okay all right and what of this did you not know well pretty much everything besides the $112,000 car loan that she had it okay that she's still having right now where's the dog uh the dog died sounds like a country song yeah yeah sir it's uh it's a lot of stuff going on so what what do you do for Gabriel what do you do for a living and what do you make uh I'm a banker and Jesus I make $23 23 an hour okay all right and what does she do and what does she make she's a receptionist and she make the same as Me 2 an hour okay and you're both working home P it's 5,000k a month yeah okay so you're making about 80 grand between the two of you and you're getting home with about 60 okay yes sir so uh I really don't know what to do how old are you too I'm 23 and she's 25 okay all right how long was she married before uh for eight years okay all right okay there's two things here uh first off let's just go ahead and tell you she's not bankrupt not even close okay so bankruptcy is ridiculous we're not even going to talk about that there's two things to be addressed here if I'm in your shoes in our world we call this financial infidelity where a wife or a husband hides and lies about money to their spouse okay it's a breach of trust and some people in marriage counseling say that this breach of of trust is almost as bad and even some say worse I don't know how but than sexual infidelity mhm it's a breach of trust when you betray or you lie to your spouse about 50 freaking thousand it touches the same nerves that infidelity touches do you follow me because it's a breach of trust because then you start to wonder what else can I not trust what else is going on right yeah I'm very I really don't know what to do sir I I try everything that I can staring door Dash and driving Uber but uh it's not enough to they have $50,000 you just let me deal with the Tactical F in in a minute the first thing are you guys in a good church uh yes sir we are okay call the church and set up marriage counseling today M because the two of you have to deal with this breach of trust this is a major issue in your marriage okay when you find out three months after you got married that your wife has lied to you about major stuff that's a problem in your marriage okay that's a big one it's a big old problem I'm more worried about that than I am the 70 grand dude you're a banker and you're a nerd so you're more worried about 70 grand so I'm trying to explain to you 70 grand ain't nothing we can take care of that the lying and the deception has got to end there's got to be repentance on that there's I don't know whether it was shame that kept her from telling you or cuz she's knew you were going to freak out or I don't know what it was why she didn't tell you but that's a big deal yeah I understand and uh she don't want to get in touch with her ex-husband she was very very abused by by this guy I don't need to get in touch with him why would we need to get in touch with him to I don't know deal this car repo you're all the way back over on fixing it again without dealing with the marriage problem dude I'm telling you eight 80% of this problem is her lying about this 20% is cleaning up the mess I can clean up the mess here in no time if but I got to get you to understand are you going to call the church and get you some counseling today yes I will sir okay both of you go cuz you've got to explain to her what this did that this that cuz you can't go here again this is this is deal ending stuff it's an Integrity breach and so now here's what we're going to do pretty simple the medical bills are in default they're in collections correct yes sir are the credit cards in collections as well same thing okay and they're cut up is the car loan that she's driving current let me just uh ask you something sir she got screwed up by these guys sir uh her car it's worth it $3,000 on is the car loan current yes okay pay it off or work your way out of it depending on what you're going to do there all the rest of these Gabriel can be negotiated with for probably 10 to 15 cents on the dollar so you've got SE $64,000 that can probably be settled for six or 8,000 bucks but you're going to to start calling them and offering them 10 cents on the dollar to settle and every one of them will take it you're just going to have to Hardline negotiate with them and get it in writing before you give them money you can work your way through this stuff hold on we're going to put you through Financial Peace University create your free every dooll budget today the simplest way to budget for your life