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Going through some serious serious financial woes right now need advice

Long time lurker, first time poaster. My wife and I used to ...
bat-shit-crazy jewess cruise ship
  10/17/20
I advise you to make more money and spend less money
Silver meetinghouse
  10/17/20
No alternative to a hard conversation with a spreadsheet and...
carmine skinny woman elastic band
  10/17/20
Won’t work. And I can’t leave her.
bat-shit-crazy jewess cruise ship
  10/17/20
Look, motherfucker, sit her down with a spreadsheet for expe...
Silver meetinghouse
  10/17/20
She seems to think my $300k was our money and the $300k she ...
bat-shit-crazy jewess cruise ship
  10/17/20
I am not joking. Here is a manual: https://www.youtube.com/w...
Silver meetinghouse
  10/17/20
Then you have to tell her a budget and limits her cards (lik...
carmine skinny woman elastic band
  10/17/20
This. Put her on a budget
mildly autistic zippy brethren
  10/17/20
...
Slippery Toaster Hunting Ground
  10/17/20
OnlyFans
Exciting tanning salon genital piercing
  10/17/20
...
abnormal toilet seat becky
  10/17/20
...
Lilac shitlib
  10/17/20
Yep, some of us here might even help her channel get off the...
Talented shrine
  10/17/20
atd
Glittery Library Party Of The First Part
  10/17/20
How much credit card debt do you have?
iridescent irradiated volcanic crater
  10/17/20
Close to $90k. Very low interest though
bat-shit-crazy jewess cruise ship
  10/17/20
holy fuck man
Silver meetinghouse
  10/17/20
(((low interest)))
Talented shrine
  10/17/20
your flame just jumped the shark, unless you're black
Laughsome incel
  10/17/20
What are the major expenses? I know couples with HHI of 200K...
Soul-stirring wine center
  10/17/20
Million dollar house $90k credit card debt A bunch of ...
bat-shit-crazy jewess cruise ship
  10/17/20
You need Dave Ramsey and God's help
Silver meetinghouse
  10/17/20
lol
big death wish nowag
  10/17/20
...
Blathering plum immigrant
  10/17/20
If this is not flame, I feel bad for you bro
alcoholic jade national
  10/17/20
You need to control her access to the money and credit
very tactful mother
  10/17/20
See above.
bat-shit-crazy jewess cruise ship
  10/17/20
Is your job safe?
iridescent irradiated volcanic crater
  10/17/20
Well I just got passed over for a promotion to a semi-divers...
bat-shit-crazy jewess cruise ship
  10/17/20
trying a bit too hard with this one
cerebral orchid point hissy fit
  10/17/20
What do you do? What did she do? For all her insanity, T...
Cyan Heady Station Half-breed
  10/17/20
Can you separate out your finances? Your salay belongs to yo...
Hideous apoplectic private investor rehab
  10/17/20
I like this
carmine skinny woman elastic band
  10/17/20
Just a chill long time lurker with a user account and passwo...
unholy topaz school knife
  10/17/20
Cosmos De’ Medici?
bat-shit-crazy jewess cruise ship
  10/17/20
A wise dude once told me it’s not what you make it&rsq...
saffron house-broken market mood
  10/17/20
...
Sexy space love of her life
  10/17/20
1. Flame. 2. Cut off her access to the money.
spruce excitant box office trump supporter
  10/17/20
begin/keep hitting her with a closed fist at least 1x per da...
Cheese-eating sooty indian lodge gay wizard
  10/17/20
she sounds like a petulant child so treat her like one -- cu...
Thriller fuchsia crackhouse generalized bond
  10/17/20
slice up all your credit cards but 1 and spreadsheet budget ...
violent area double fault
  10/17/20
Holy shit, my nightmare. Did she always show signs of being ...
Onyx Beady-eyed Pervert
  10/17/20
JFC, all you had to do was live with another bro, and be bro...
Honey-headed university
  10/17/20
Why make this post where your wife’s profligate lifest...
haunting mind-boggling hospital
  10/17/20
How do you only have 70k equity? Do they really let you get ...
copper senate
  10/17/20
Zero down. Fucking insane.
bat-shit-crazy jewess cruise ship
  10/17/20
...
Onyx Beady-eyed Pervert
  10/17/20
...
indigo swashbuckling new version
  10/17/20
Chris Watts 2.0 in the making here
Histrionic sex offender masturbator
  10/17/20
Flame
white startling kitty
  10/17/20
great thread.
bateful up-to-no-good bawdyhouse laser beams
  10/17/20
eager for an update in a week if somehow not flame
Silver meetinghouse
  10/17/20
You’d be fine w a flame update too I hope
haunting mind-boggling hospital
  10/17/20
it would have to be convincing, but yes
Silver meetinghouse
  10/17/20
...
galvanic water buffalo
  10/17/20
Xo catnip ITT
French Electric Corner Useless Brakes
  10/17/20
...
slap-happy know-it-all boistinker school cafeteria
  10/17/20
The fact is that $600k/year just wasn't that much. $300k/ye...
slap-happy know-it-all boistinker school cafeteria
  10/17/20
How will the baby cost $100k? Formula is not that expensive ...
bat-shit-crazy jewess cruise ship
  10/17/20
Well if she goes back to work she'll need a nanny, plus fash...
slap-happy know-it-all boistinker school cafeteria
  10/18/20


Poast new message in this thread



Reply Favorite

Date: October 17th, 2020 12:36 PM
Author: bat-shit-crazy jewess cruise ship

Long time lurker, first time poaster. My wife and I used to make $300k each and live a $700k lifestyle. We were always living like we made an extra $100k when we didn’t. That was because of her to be honest. I was always ok with a Honda Accord but she needed a Range Rover because “I MAKE $300k!”

Now we’re fucked. We just had a baby and she’s not working. Our savings is shit and our non real estate debt is higher than our savings.

We have $300k a year coming in and we’re still living like we make $700k. She spends like an idiot. The last week she bought a Peleton and a $2k jacket because “well what I’m saving on child care...I’m I deserve it!”

She doesn’t get that we are completely fucked if we keep going this route.

Divorce is not an option. Her working is not an option. We have about $70k equity in a million dollar house. We’re fucked. No way about it.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131036)



Reply Favorite

Date: October 17th, 2020 12:38 PM
Author: Silver meetinghouse

I advise you to make more money and spend less money

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131045)



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: carmine skinny woman elastic band

No alternative to a hard conversation with a spreadsheet and some hard truths about what bills can't be paid if she buys shit because "she deserves it". Good luck friend.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131049)



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: bat-shit-crazy jewess cruise ship

Won’t work. And I can’t leave her.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131056)



Reply Favorite

Date: October 17th, 2020 12:43 PM
Author: Silver meetinghouse

Look, motherfucker, sit her down with a spreadsheet for expenses and a sheet with all of your accounts. Explain you are both gonna be fucking homeless if she keeps it up. If that doesn't work, bend her over your knee and spank her until she says the words, "I understand." Call the bank and put a limit on her card.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131068)



Reply Favorite

Date: October 17th, 2020 12:44 PM
Author: bat-shit-crazy jewess cruise ship

She seems to think my $300k was our money and the $300k she brought in was her play money. Now that $300k is gone, she thinks my money is play money.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131079)



Reply Favorite

Date: October 17th, 2020 12:48 PM
Author: Silver meetinghouse

I am not joking. Here is a manual: https://www.youtube.com/watch?v=rxObkfSqmQM&ab_channel=21reese18

Do what I articulated here: http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131068 -- you are fucked if you do not. Then take a serious look at Dave Ramsey or other financial education programs.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131105)



Reply Favorite

Date: October 17th, 2020 12:49 PM
Author: carmine skinny woman elastic band

Then you have to tell her a budget and limits her cards (like Hegemon tp said)

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131106)



Reply Favorite

Date: October 17th, 2020 2:25 PM
Author: mildly autistic zippy brethren

This. Put her on a budget

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131572)



Reply Favorite

Date: October 17th, 2020 5:09 PM
Author: Slippery Toaster Hunting Ground



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132282)



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: Exciting tanning salon genital piercing

OnlyFans

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131051)



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: abnormal toilet seat becky



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131061)



Reply Favorite

Date: October 17th, 2020 1:51 PM
Author: Lilac shitlib



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131418)



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: Talented shrine

Yep, some of us here might even help her channel get off the ground.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131850)



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: Glittery Library Party Of The First Part

atd

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131057)



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: iridescent irradiated volcanic crater

How much credit card debt do you have?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131060)



Reply Favorite

Date: October 17th, 2020 12:41 PM
Author: bat-shit-crazy jewess cruise ship

Close to $90k. Very low interest though

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131063)



Reply Favorite

Date: October 17th, 2020 12:43 PM
Author: Silver meetinghouse

holy fuck man

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131072)



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: Talented shrine

(((low interest)))

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131852)



Reply Favorite

Date: October 17th, 2020 4:29 PM
Author: Laughsome incel

your flame just jumped the shark, unless you're black

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132135)



Reply Favorite

Date: October 17th, 2020 12:41 PM
Author: Soul-stirring wine center

What are the major expenses? I know couples with HHI of 200K buying pelatons and expensive clothes and they seem to be alright

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131062)



Reply Favorite

Date: October 17th, 2020 12:43 PM
Author: bat-shit-crazy jewess cruise ship

Million dollar house

$90k credit card debt

A bunch of personal loans

Car loans

About $70k left in student debt

Funeral expense for my dad

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131069)



Reply Favorite

Date: October 17th, 2020 12:44 PM
Author: Silver meetinghouse

You need Dave Ramsey and God's help

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131074)



Reply Favorite

Date: October 17th, 2020 1:45 PM
Author: big death wish nowag

lol

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131391)



Reply Favorite

Date: October 17th, 2020 3:22 PM
Author: Blathering plum immigrant



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131823)



Reply Favorite

Date: October 17th, 2020 2:22 PM
Author: alcoholic jade national

If this is not flame, I feel bad for you bro

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131559)



Reply Favorite

Date: October 17th, 2020 12:43 PM
Author: very tactful mother

You need to control her access to the money and credit

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131071)



Reply Favorite

Date: October 17th, 2020 12:44 PM
Author: bat-shit-crazy jewess cruise ship

See above.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131083)



Reply Favorite

Date: October 17th, 2020 12:44 PM
Author: iridescent irradiated volcanic crater

Is your job safe?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131082)



Reply Favorite

Date: October 17th, 2020 12:46 PM
Author: bat-shit-crazy jewess cruise ship

Well I just got passed over for a promotion to a semi-diversity hire and it’s an up or out type of job so I would say no.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131088)



Reply Favorite

Date: October 17th, 2020 8:59 PM
Author: cerebral orchid point hissy fit

trying a bit too hard with this one

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41133398)



Reply Favorite

Date: October 17th, 2020 12:46 PM
Author: Cyan Heady Station Half-breed

What do you do? What did she do?

For all her insanity, Thunder Collins's wife seemed to have a great gig. High paying, very flexible, WFH. Any chance of your wife doing anything like that?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131089)



Reply Favorite

Date: October 17th, 2020 12:46 PM
Author: Hideous apoplectic private investor rehab

Can you separate out your finances? Your salay belongs to you. put it in a separate account. Let her see her debt run up. Otherwise you will need to divorce or at least threaten divorce. You dont need to leave her. Just tell her you love her but finances need to be separated to protect your childrens future. She needs a wake up call.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131096)



Reply Favorite

Date: October 17th, 2020 12:49 PM
Author: carmine skinny woman elastic band

I like this

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131111)



Reply Favorite

Date: October 17th, 2020 12:52 PM
Author: unholy topaz school knife

Just a chill long time lurker with a user account and password for a site no one has been able to register for in 3 years.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131129)



Reply Favorite

Date: October 17th, 2020 1:20 PM
Author: bat-shit-crazy jewess cruise ship

Cosmos De’ Medici?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131269)



Reply Favorite

Date: October 17th, 2020 1:00 PM
Author: saffron house-broken market mood

A wise dude once told me it’s not what you make it’s what you keep - you gotta look to optimize your finances by paying off debt, maximizing tax savings and not spending an excessive amount of money.

You should seek to build the equity in your home to $200k as well and maybe refinance to get rid of private mortgage insurance and get a lower rate. PMI isn’t required after 20% equity.

Also stop spending like a degenerate and tell your wife that as well. You basically need to reality check this chick quick and get your house in order before you start sending the kid to school which is likely gonna be huge money drain given your consumption habits.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131169)



Reply Favorite

Date: October 17th, 2020 1:41 PM
Author: Sexy space love of her life



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131378)



Reply Favorite

Date: October 17th, 2020 1:44 PM
Author: spruce excitant box office trump supporter

1. Flame.

2. Cut off her access to the money.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131386)



Reply Favorite

Date: October 17th, 2020 1:47 PM
Author: Cheese-eating sooty indian lodge gay wizard

begin/keep hitting her with a closed fist at least 1x per day

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131399)



Reply Favorite

Date: October 17th, 2020 1:56 PM
Author: Thriller fuchsia crackhouse generalized bond

she sounds like a petulant child so treat her like one -- cut off her allowance

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131452)



Reply Favorite

Date: October 17th, 2020 2:19 PM
Author: violent area double fault

slice up all your credit cards but 1 and spreadsheet budget absolutely everything. sit her down and walk through it. otherwise you will end up filing for bankruptcy and getting divorced.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131539)



Reply Favorite

Date: October 17th, 2020 2:20 PM
Author: Onyx Beady-eyed Pervert

Holy shit, my nightmare. Did she always show signs of being a materialistic consumer?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131545)



Reply Favorite

Date: October 17th, 2020 2:23 PM
Author: Honey-headed university

JFC, all you had to do was live with another bro, and be bros, and help each other out as the need arose, and your life could have been great. Instead you've lost everything to a greasy slime pit.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131565)



Reply Favorite

Date: October 17th, 2020 2:26 PM
Author: haunting mind-boggling hospital

Why make this post where your wife’s profligate lifestyle is obviously the main problem but just reply there is nothing that can be done about your wife? Just kill her, okay? She sounds insufferable

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131582)



Reply Favorite

Date: October 17th, 2020 2:27 PM
Author: copper senate

How do you only have 70k equity? Do they really let you get a $1m mortgage with zero down when you make 600k?

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131587)



Reply Favorite

Date: October 17th, 2020 4:12 PM
Author: bat-shit-crazy jewess cruise ship

Zero down. Fucking insane.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132032)



Reply Favorite

Date: October 17th, 2020 4:21 PM
Author: Onyx Beady-eyed Pervert



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132088)



Reply Favorite

Date: October 17th, 2020 3:09 PM
Author: indigo swashbuckling new version



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131758)



Reply Favorite

Date: October 17th, 2020 3:35 PM
Author: Histrionic sex offender masturbator

Chris Watts 2.0 in the making here

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131878)



Reply Favorite

Date: October 17th, 2020 3:44 PM
Author: white startling kitty

Flame

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41131908)



Reply Favorite

Date: October 17th, 2020 4:27 PM
Author: bateful up-to-no-good bawdyhouse laser beams

great thread.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132119)



Reply Favorite

Date: October 17th, 2020 4:33 PM
Author: Silver meetinghouse

eager for an update in a week if somehow not flame

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132150)



Reply Favorite

Date: October 17th, 2020 4:38 PM
Author: haunting mind-boggling hospital

You’d be fine w a flame update too I hope

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132172)



Reply Favorite

Date: October 17th, 2020 5:00 PM
Author: Silver meetinghouse

it would have to be convincing, but yes

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132248)



Reply Favorite

Date: October 17th, 2020 7:01 PM
Author: galvanic water buffalo



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41132809)



Reply Favorite

Date: October 17th, 2020 9:01 PM
Author: French Electric Corner Useless Brakes

Xo catnip ITT

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41133408)



Reply Favorite

Date: October 17th, 2020 10:16 PM
Author: slap-happy know-it-all boistinker school cafeteria



(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41133757)



Reply Favorite

Date: October 17th, 2020 10:17 PM
Author: slap-happy know-it-all boistinker school cafeteria

The fact is that $600k/year just wasn't that much. $300k/year definitely isn't much. She HAS to get back to work. And both of you need to earn more. Because the baby alone will cost $100k/year, you really both need to start making $400k/year each just to break even. $500k/year each would be better.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41133763)



Reply Favorite

Date: October 17th, 2020 10:19 PM
Author: bat-shit-crazy jewess cruise ship

How will the baby cost $100k? Formula is not that expensive plus my buddy makes it.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41133773)



Reply Favorite

Date: October 18th, 2020 12:09 AM
Author: slap-happy know-it-all boistinker school cafeteria

Well if she goes back to work she'll need a nanny, plus fashionable clothes and carriages for the baby, plus more drugs due to the added stress.

(http://www.autoadmit.com/thread.php?thread_id=4653765&forum_id=2#41134272)