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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 ...
adventurous wine foreskin university
  10/17/20
I advise you to make more money and spend less money
vermilion temple macaca
  10/17/20
No alternative to a hard conversation with a spreadsheet and...
electric very tactful abode blood rage
  10/17/20
Won’t work. And I can’t leave her.
adventurous wine foreskin university
  10/17/20
Look, motherfucker, sit her down with a spreadsheet for expe...
vermilion temple macaca
  10/17/20
She seems to think my $300k was our money and the $300k she ...
adventurous wine foreskin university
  10/17/20
I am not joking. Here is a manual: https://www.youtube.com/w...
vermilion temple macaca
  10/17/20
Then you have to tell her a budget and limits her cards (lik...
electric very tactful abode blood rage
  10/17/20
This. Put her on a budget
charismatic crusty public bath
  10/17/20
...
Offensive Depressive Main People
  10/17/20
OnlyFans
Well-lubricated wonderful space
  10/17/20
...
Maroon station
  10/17/20
...
Provocative rose lodge
  10/17/20
Yep, some of us here might even help her channel get off the...
Comical sandwich ape
  10/17/20
atd
Razzle black place of business
  10/17/20
How much credit card debt do you have?
startled olive tanning salon azn
  10/17/20
Close to $90k. Very low interest though
adventurous wine foreskin university
  10/17/20
holy fuck man
vermilion temple macaca
  10/17/20
(((low interest)))
Comical sandwich ape
  10/17/20
your flame just jumped the shark, unless you're black
galvanic garnet sound barrier
  10/17/20
What are the major expenses? I know couples with HHI of 200K...
appetizing coffee pot
  10/17/20
Million dollar house $90k credit card debt A bunch of ...
adventurous wine foreskin university
  10/17/20
You need Dave Ramsey and God's help
vermilion temple macaca
  10/17/20
lol
fiercely-loyal preventive strike milk
  10/17/20
...
French Orchestra Pit Turdskin
  10/17/20
If this is not flame, I feel bad for you bro
soggy chartreuse hominid
  10/17/20
You need to control her access to the money and credit
racy claret chapel
  10/17/20
See above.
adventurous wine foreskin university
  10/17/20
Is your job safe?
startled olive tanning salon azn
  10/17/20
Well I just got passed over for a promotion to a semi-divers...
adventurous wine foreskin university
  10/17/20
trying a bit too hard with this one
Shivering aromatic stag film
  10/17/20
What do you do? What did she do? For all her insanity, T...
Balding rebellious locale
  10/17/20
Can you separate out your finances? Your salay belongs to yo...
vigorous casino filthpig
  10/17/20
I like this
electric very tactful abode blood rage
  10/17/20
Just a chill long time lurker with a user account and passwo...
grizzly glittery telephone
  10/17/20
Cosmos De’ Medici?
adventurous wine foreskin university
  10/17/20
A wise dude once told me it’s not what you make it&rsq...
Massive doctorate boistinker
  10/17/20
...
rough-skinned garrison stain
  10/17/20
1. Flame. 2. Cut off her access to the money.
mauve irradiated mad-dog skullcap
  10/17/20
begin/keep hitting her with a closed fist at least 1x per da...
Fantasy-prone awkward whorehouse philosopher-king
  10/17/20
she sounds like a petulant child so treat her like one -- cu...
underhanded affirmative action
  10/17/20
slice up all your credit cards but 1 and spreadsheet budget ...
Clear Sanctuary
  10/17/20
Holy shit, my nightmare. Did she always show signs of being ...
titillating walnut messiness
  10/17/20
JFC, all you had to do was live with another bro, and be bro...
internet-worthy federal skinny woman native
  10/17/20
Why make this post where your wife’s profligate lifest...
Fragrant Parlor Hairy Legs
  10/17/20
How do you only have 70k equity? Do they really let you get ...
Mint shrine new version
  10/17/20
Zero down. Fucking insane.
adventurous wine foreskin university
  10/17/20
...
titillating walnut messiness
  10/17/20
...
motley market
  10/17/20
Chris Watts 2.0 in the making here
Maize deer antler
  10/17/20
Flame
Angry marketing idea national
  10/17/20
great thread.
dashing snowy idea he suggested area
  10/17/20
eager for an update in a week if somehow not flame
vermilion temple macaca
  10/17/20
You’d be fine w a flame update too I hope
Fragrant Parlor Hairy Legs
  10/17/20
it would have to be convincing, but yes
vermilion temple macaca
  10/17/20
...
Pink Tripping Crackhouse
  10/17/20
Xo catnip ITT
Know-it-all resort
  10/17/20
...
frum friendly grandma property
  10/17/20
The fact is that $600k/year just wasn't that much. $300k/ye...
frum friendly grandma property
  10/17/20
How will the baby cost $100k? Formula is not that expensive ...
adventurous wine foreskin university
  10/17/20
Well if she goes back to work she'll need a nanny, plus fash...
frum friendly grandma property
  10/18/20


Poast new message in this thread



Reply Favorite

Date: October 17th, 2020 12:36 PM
Author: adventurous wine foreskin university

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: vermilion temple macaca

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: electric very tactful abode blood rage

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: adventurous wine foreskin university

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: vermilion temple macaca

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: adventurous wine foreskin university

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: vermilion temple macaca

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: electric very tactful abode blood rage

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: charismatic crusty public bath

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: Offensive Depressive Main People



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



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: Well-lubricated wonderful space

OnlyFans

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: Maroon station



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



Reply Favorite

Date: October 17th, 2020 1:51 PM
Author: Provocative rose lodge



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



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: Comical sandwich ape

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: Razzle black place of business

atd

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: startled olive tanning salon azn

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: adventurous wine foreskin university

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: vermilion temple macaca

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: Comical sandwich ape

(((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: galvanic garnet sound barrier

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: appetizing coffee pot

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: adventurous wine foreskin university

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: vermilion temple macaca

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: fiercely-loyal preventive strike milk

lol

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



Reply Favorite

Date: October 17th, 2020 3:22 PM
Author: French Orchestra Pit Turdskin



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



Reply Favorite

Date: October 17th, 2020 2:22 PM
Author: soggy chartreuse hominid

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: racy claret chapel

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: adventurous wine foreskin university

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: startled olive tanning salon azn

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: adventurous wine foreskin university

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: Shivering aromatic stag film

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: Balding rebellious locale

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: vigorous casino filthpig

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: electric very tactful abode blood rage

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: grizzly glittery telephone

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: adventurous wine foreskin university

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: Massive doctorate boistinker

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: rough-skinned garrison stain



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



Reply Favorite

Date: October 17th, 2020 1:44 PM
Author: mauve irradiated mad-dog skullcap

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: Fantasy-prone awkward whorehouse philosopher-king

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: underhanded affirmative action

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: Clear Sanctuary

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: titillating walnut messiness

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: internet-worthy federal skinny woman native

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: Fragrant Parlor Hairy Legs

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: Mint shrine new version

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: adventurous wine foreskin university

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: titillating walnut messiness



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



Reply Favorite

Date: October 17th, 2020 3:09 PM
Author: motley market



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



Reply Favorite

Date: October 17th, 2020 3:35 PM
Author: Maize deer antler

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: Angry marketing idea national

Flame

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



Reply Favorite

Date: October 17th, 2020 4:27 PM
Author: dashing snowy idea he suggested area

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: vermilion temple macaca

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: Fragrant Parlor Hairy Legs

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: vermilion temple macaca

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: Pink Tripping Crackhouse



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



Reply Favorite

Date: October 17th, 2020 9:01 PM
Author: Know-it-all resort

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: frum friendly grandma property



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



Reply Favorite

Date: October 17th, 2020 10:17 PM
Author: frum friendly grandma property

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: adventurous wine foreskin university

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: frum friendly grandma property

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)