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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 ...
irate kitty cat stead
  10/17/20
I advise you to make more money and spend less money
cyan exhilarant native giraffe
  10/17/20
No alternative to a hard conversation with a spreadsheet and...
Bistre hateful kitty market
  10/17/20
Won’t work. And I can’t leave her.
irate kitty cat stead
  10/17/20
Look, motherfucker, sit her down with a spreadsheet for expe...
cyan exhilarant native giraffe
  10/17/20
She seems to think my $300k was our money and the $300k she ...
irate kitty cat stead
  10/17/20
I am not joking. Here is a manual: https://www.youtube.com/w...
cyan exhilarant native giraffe
  10/17/20
Then you have to tell her a budget and limits her cards (lik...
Bistre hateful kitty market
  10/17/20
This. Put her on a budget
Spectacular Carnelian Whorehouse
  10/17/20
...
Carmine stimulating ape meetinghouse
  10/17/20
OnlyFans
Maniacal field karate
  10/17/20
...
glittery jet-lagged parlor death wish
  10/17/20
...
Mahogany cracking newt
  10/17/20
Yep, some of us here might even help her channel get off the...
Provocative chad
  10/17/20
atd
Aggressive ivory institution
  10/17/20
How much credit card debt do you have?
cerise abusive tanning salon sound barrier
  10/17/20
Close to $90k. Very low interest though
irate kitty cat stead
  10/17/20
holy fuck man
cyan exhilarant native giraffe
  10/17/20
(((low interest)))
Provocative chad
  10/17/20
your flame just jumped the shark, unless you're black
Stirring mental disorder school
  10/17/20
What are the major expenses? I know couples with HHI of 200K...
cerebral frisky deer antler
  10/17/20
Million dollar house $90k credit card debt A bunch of ...
irate kitty cat stead
  10/17/20
You need Dave Ramsey and God's help
cyan exhilarant native giraffe
  10/17/20
lol
Sepia Shitlib Corner
  10/17/20
...
exciting generalized bond
  10/17/20
If this is not flame, I feel bad for you bro
aromatic liquid oxygen organic girlfriend
  10/17/20
You need to control her access to the money and credit
Copper filthpig
  10/17/20
See above.
irate kitty cat stead
  10/17/20
Is your job safe?
cerise abusive tanning salon sound barrier
  10/17/20
Well I just got passed over for a promotion to a semi-divers...
irate kitty cat stead
  10/17/20
trying a bit too hard with this one
Curious halford circlehead
  10/17/20
What do you do? What did she do? For all her insanity, T...
apoplectic corn cake internal respiration
  10/17/20
Can you separate out your finances? Your salay belongs to yo...
alcoholic spruce coldplay fan
  10/17/20
I like this
Bistre hateful kitty market
  10/17/20
Just a chill long time lurker with a user account and passwo...
Odious brindle mediation abode
  10/17/20
Cosmos De’ Medici?
irate kitty cat stead
  10/17/20
A wise dude once told me it’s not what you make it&rsq...
transparent thirsty step-uncle's house blood rage
  10/17/20
...
Unhinged brethren box office
  10/17/20
1. Flame. 2. Cut off her access to the money.
concupiscible clear voyeur
  10/17/20
begin/keep hitting her with a closed fist at least 1x per da...
Effete pearl heaven roommate
  10/17/20
she sounds like a petulant child so treat her like one -- cu...
arousing space preventive strike
  10/17/20
slice up all your credit cards but 1 and spreadsheet budget ...
Vigorous roast beef telephone
  10/17/20
Holy shit, my nightmare. Did she always show signs of being ...
magical chestnut casino trump supporter
  10/17/20
JFC, all you had to do was live with another bro, and be bro...
Hairraiser jet hall
  10/17/20
Why make this post where your wife’s profligate lifest...
Charismatic Site
  10/17/20
How do you only have 70k equity? Do they really let you get ...
Henna rehab
  10/17/20
Zero down. Fucking insane.
irate kitty cat stead
  10/17/20
...
magical chestnut casino trump supporter
  10/17/20
...
iridescent mind-boggling masturbator
  10/17/20
Chris Watts 2.0 in the making here
comical maize antidepressant drug personal credit line
  10/17/20
Flame
boyish cruise ship azn
  10/17/20
great thread.
Beta Histrionic Love Of Her Life
  10/17/20
eager for an update in a week if somehow not flame
cyan exhilarant native giraffe
  10/17/20
You’d be fine w a flame update too I hope
Charismatic Site
  10/17/20
it would have to be convincing, but yes
cyan exhilarant native giraffe
  10/17/20
...
Misunderstood Know-it-all Senate
  10/17/20
Xo catnip ITT
Smoky useless library sweet tailpipe
  10/17/20
...
floppy impressive locus
  10/17/20
The fact is that $600k/year just wasn't that much. $300k/ye...
floppy impressive locus
  10/17/20
How will the baby cost $100k? Formula is not that expensive ...
irate kitty cat stead
  10/17/20
Well if she goes back to work she'll need a nanny, plus fash...
floppy impressive locus
  10/18/20


Poast new message in this thread



Reply Favorite

Date: October 17th, 2020 12:36 PM
Author: irate kitty cat stead

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: cyan exhilarant native giraffe

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: Bistre hateful kitty market

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: irate kitty cat stead

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: cyan exhilarant native giraffe

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: irate kitty cat stead

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: cyan exhilarant native giraffe

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: Bistre hateful kitty market

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: Spectacular Carnelian Whorehouse

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: Carmine stimulating ape meetinghouse



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



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: Maniacal field karate

OnlyFans

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: glittery jet-lagged parlor death wish



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



Reply Favorite

Date: October 17th, 2020 1:51 PM
Author: Mahogany cracking newt



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



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: Provocative chad

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: Aggressive ivory institution

atd

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: cerise abusive tanning salon sound barrier

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: irate kitty cat stead

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: cyan exhilarant native giraffe

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: Provocative chad

(((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: Stirring mental disorder school

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: cerebral frisky deer antler

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: irate kitty cat stead

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: cyan exhilarant native giraffe

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: Sepia Shitlib Corner

lol

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



Reply Favorite

Date: October 17th, 2020 3:22 PM
Author: exciting generalized bond



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



Reply Favorite

Date: October 17th, 2020 2:22 PM
Author: aromatic liquid oxygen organic girlfriend

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: Copper filthpig

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: irate kitty cat stead

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: cerise abusive tanning salon sound barrier

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: irate kitty cat stead

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: Curious halford circlehead

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: apoplectic corn cake internal respiration

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: alcoholic spruce coldplay fan

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: Bistre hateful kitty market

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: Odious brindle mediation abode

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: irate kitty cat stead

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: transparent thirsty step-uncle's house blood rage

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: Unhinged brethren box office



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



Reply Favorite

Date: October 17th, 2020 1:44 PM
Author: concupiscible clear voyeur

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: Effete pearl heaven roommate

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: arousing space preventive strike

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: Vigorous roast beef telephone

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: magical chestnut casino trump supporter

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: Hairraiser jet hall

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: Charismatic Site

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: Henna rehab

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: irate kitty cat stead

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: magical chestnut casino trump supporter



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



Reply Favorite

Date: October 17th, 2020 3:09 PM
Author: iridescent mind-boggling masturbator



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



Reply Favorite

Date: October 17th, 2020 3:35 PM
Author: comical maize antidepressant drug personal credit line

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: boyish cruise ship azn

Flame

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



Reply Favorite

Date: October 17th, 2020 4:27 PM
Author: Beta Histrionic Love Of Her Life

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: cyan exhilarant native giraffe

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: Charismatic Site

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: cyan exhilarant native giraffe

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: Misunderstood Know-it-all Senate



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



Reply Favorite

Date: October 17th, 2020 9:01 PM
Author: Smoky useless library sweet tailpipe

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: floppy impressive locus



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



Reply Favorite

Date: October 17th, 2020 10:17 PM
Author: floppy impressive locus

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: irate kitty cat stead

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: floppy impressive locus

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)