I Financed My Engagement Ring Then Found Out He Cheated

If your private student loans are in default, you're not out of options. Go to whyrefi.com slash Ramsey. I've been engaged for three years, but after finding out last weekend that my fiance cheated on me, I called off the wedding. He had talked me into financing our $8,000 wedding rings and now refuses to help pay them off. The debt is in my name. Would it be smart to get another loan to pay off these rings if the current interest is really high? I have four kids to support, so every cent that comes into my account matters. I just want to move forward. How do I do it? Honestly, Sierra, here's what I would do. You did a big, hard, scary thing by saying I'm worth more getting married to somebody who's not going to cheat on me, so I'm not doing this. Good for you. Yeah, exactly. Good for you. Smart girl. The next sentence, he talked me into financing our $8,000 wedding rings. I would stop right there and I'd reframe this as I chose to finance our $8,000 wedding rings. Take full ownership of every action you took. Then that reframes this whole thing. I made a big decision that I'm worth more than this, and that big decision also came with a financial cost because I chose to finance expensive, expensive wedding rings. I'm going to be in charge of dealing with what comes next. I get, man, you got four kids. It's just brutal. It's brutal, but getting another loan to cover up another ... You're just going to compound this issue. I would- Number one, we're going to sell the ring. Sell, yeah. Sell the rings and then pay the difference. That's what I would do. Yeah. Sell the rings and pay the difference as fast as you can. Now, there's two other things I'd add to it. Number one, I don't know how long you've had the rings. We don't know that in this particular email. I'd swing back by that jewelry store, ask for the manager, the owner, if it's a local store, and tell them your story and say, I have four children. The guy's a bum. He cheated on me. You don't owe me anything, but would you help me? Mercy. Would you give me some credit, buy them back? Will you help me get out of this mess? Can I put them in here on consignment and get the most for them at a retail setting versus pawning them? Help me. And don't come in there acting like the jewelry store did something wrong. They didn't. They did what jewelry stores do. They sold you rings and you financed them and that's them. That's on you. But just ask the owner or the manager for some mercy, some help. I think you'll find yourself a listening ear because they sell wedding rings and they might sell you another one someday. And if they take care of you, guess who's going to hear about it? Everyone you know. You're going to say nice things about those people and you would, and you should. That's thing number one. Thing number two is I don't know what all is going on here, but I'm being pretty pissed at this guy right this second. And so I would, let's just pretend I'm going to make something up. Okay. She has four kids. These aren't a couple of 18 year olds. Okay. So I'm going to pretend he has some money and he's a jerk and won't pay his part of the rings. I'm going to pretend that for a second. And so then I'm going to ask a family friend that's an attorney to contact him and let him know that we're going to sue him for breach of contract because he breached our marriage contract when he cheated on me. And the settlement is $8,000. I'm just going to mess with him just for the fun of it. I'm not really going to do it, but I'm actually going to make him think I'm going to do it just to have some fun here. But now if he's a broke jerk and he's just out digging ditches or whatever, leave him alone. It's not worth the trouble, but I'm just going to pretend that he has a big old pile of money. He's driving a fancy car and he don't want the hassle of Sierra being all up in his business. So between those two things, maybe we can add a little edge to this and get you out of these rings. Wow. One, I go for mercy. The other one, I go for the throat. Go for blood. Please give me mercy. I'm going to kill you, by the way. I want to harp on this line. I just want to move forward, but how do I do it? That's good. Take action. That's good. Take action. Don't sit and look at the rings. Don't keep them in your house. Get rid of them. Don't use his name in your house anymore. Lay out a game plan and if you do this attorney thing, I'm half joking, I'm half not, but if you did something like that, make it real quick and it's over and it's in the rearview mirror. Just see if we can get him to write a check just for the fun of it because he actually morally, ethically does owe this back because he's the one that breached the contract. Actually, if you really want to be technical about it. So I'm talking about the law. I'm talking about ethics. Well, do you have a contract if you shake hands on a... It's a contract. On a... It's not worth the paper it's written on, but yeah. It's not worth a lot. It is a contract. You made a promise. And based on that promise, there was a financial transaction. And so there's damages. And I'm not an attorney. I'm just going to have some fun with it. It just happened to be $8,000. I'm going to make a legal case out of it, even if there's not one. I would say move forward and... Leave it alone. Don't say his name again in your house. That means I'm going to own that I signed my name to... Yeah, quick as you can. His financing. Quick as you can move on past this. Your heart's broken. I do love the idea of going back and looking the jewel in the eye. They may tell you to leave. What's the worst case scenario? You're going to get back in your car in the same situation. You're not out anything. But man, it's worth asking for mercy. That's cool. 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