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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 ...
maize floppy corn cake
  10/17/20
I advise you to make more money and spend less money
Aquamarine Trip Windowlicker Idiot
  10/17/20
No alternative to a hard conversation with a spreadsheet and...
copper curious orchestra pit
  10/17/20
Won’t work. And I can’t leave her.
maize floppy corn cake
  10/17/20
Look, motherfucker, sit her down with a spreadsheet for expe...
Aquamarine Trip Windowlicker Idiot
  10/17/20
She seems to think my $300k was our money and the $300k she ...
maize floppy corn cake
  10/17/20
I am not joking. Here is a manual: https://www.youtube.com/w...
Aquamarine Trip Windowlicker Idiot
  10/17/20
Then you have to tell her a budget and limits her cards (lik...
copper curious orchestra pit
  10/17/20
This. Put her on a budget
Cobalt Double Fault
  10/17/20
...
brass native
  10/17/20
OnlyFans
violet theater stage
  10/17/20
...
ivory university trump supporter
  10/17/20
...
Opaque parlor deer antler
  10/17/20
Yep, some of us here might even help her channel get off the...
self-absorbed twisted stage
  10/17/20
atd
Buff internal respiration
  10/17/20
How much credit card debt do you have?
Angry plaza
  10/17/20
Close to $90k. Very low interest though
maize floppy corn cake
  10/17/20
holy fuck man
Aquamarine Trip Windowlicker Idiot
  10/17/20
(((low interest)))
self-absorbed twisted stage
  10/17/20
your flame just jumped the shark, unless you're black
cracking rusted incel
  10/17/20
What are the major expenses? I know couples with HHI of 200K...
swashbuckling maroon shrine
  10/17/20
Million dollar house $90k credit card debt A bunch of ...
maize floppy corn cake
  10/17/20
You need Dave Ramsey and God's help
Aquamarine Trip Windowlicker Idiot
  10/17/20
lol
frozen peach elastic band
  10/17/20
...
Alcoholic Tattoo Temple
  10/17/20
If this is not flame, I feel bad for you bro
duck-like disgusting water buffalo principal's office
  10/17/20
You need to control her access to the money and credit
Deranged french forum weed whacker
  10/17/20
See above.
maize floppy corn cake
  10/17/20
Is your job safe?
Angry plaza
  10/17/20
Well I just got passed over for a promotion to a semi-divers...
maize floppy corn cake
  10/17/20
trying a bit too hard with this one
elite thirsty office dragon
  10/17/20
What do you do? What did she do? For all her insanity, T...
Burgundy gas station masturbator
  10/17/20
Can you separate out your finances? Your salay belongs to yo...
Mewling tan partner site
  10/17/20
I like this
copper curious orchestra pit
  10/17/20
Just a chill long time lurker with a user account and passwo...
flesh casino
  10/17/20
Cosmos De’ Medici?
maize floppy corn cake
  10/17/20
A wise dude once told me it’s not what you make it&rsq...
hyperventilating stirring locale liquid oxygen
  10/17/20
...
Salmon Excitant Brunch
  10/17/20
1. Flame. 2. Cut off her access to the money.
razzmatazz rehab
  10/17/20
begin/keep hitting her with a closed fist at least 1x per da...
godawful ladyboy wagecucks
  10/17/20
she sounds like a petulant child so treat her like one -- cu...
Onyx space jew
  10/17/20
slice up all your credit cards but 1 and spreadsheet budget ...
flickering passionate haunted graveyard people who are hurt
  10/17/20
Holy shit, my nightmare. Did she always show signs of being ...
Laughsome high-end stag film
  10/17/20
JFC, all you had to do was live with another bro, and be bro...
Vibrant sweet tailpipe main people
  10/17/20
Why make this post where your wife’s profligate lifest...
beady-eyed pisswyrm famous landscape painting
  10/17/20
How do you only have 70k equity? Do they really let you get ...
stimulating stead new version
  10/17/20
Zero down. Fucking insane.
maize floppy corn cake
  10/17/20
...
Laughsome high-end stag film
  10/17/20
...
Exciting Lodge
  10/17/20
Chris Watts 2.0 in the making here
Supple Azn Multi-billionaire
  10/17/20
Flame
Nofapping glittery place of business knife
  10/17/20
great thread.
Lascivious mint piazza mental disorder
  10/17/20
eager for an update in a week if somehow not flame
Aquamarine Trip Windowlicker Idiot
  10/17/20
You’d be fine w a flame update too I hope
beady-eyed pisswyrm famous landscape painting
  10/17/20
it would have to be convincing, but yes
Aquamarine Trip Windowlicker Idiot
  10/17/20
...
Electric hissy fit mediation
  10/17/20
Xo catnip ITT
Jade Home
  10/17/20
...
Adventurous Orchid Range
  10/17/20
The fact is that $600k/year just wasn't that much. $300k/ye...
Adventurous Orchid Range
  10/17/20
How will the baby cost $100k? Formula is not that expensive ...
maize floppy corn cake
  10/17/20
Well if she goes back to work she'll need a nanny, plus fash...
Adventurous Orchid Range
  10/18/20


Poast new message in this thread



Reply Favorite

Date: October 17th, 2020 12:36 PM
Author: maize floppy corn cake

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: Aquamarine Trip Windowlicker Idiot

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: copper curious orchestra pit

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: maize floppy corn cake

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: Aquamarine Trip Windowlicker Idiot

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: maize floppy corn cake

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: Aquamarine Trip Windowlicker Idiot

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: copper curious orchestra pit

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: Cobalt Double Fault

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: brass native



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



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: violet theater stage

OnlyFans

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: ivory university trump supporter



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



Reply Favorite

Date: October 17th, 2020 1:51 PM
Author: Opaque parlor deer antler



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



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: self-absorbed twisted stage

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: Buff internal respiration

atd

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: Angry plaza

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: maize floppy corn cake

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: Aquamarine Trip Windowlicker Idiot

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: self-absorbed twisted stage

(((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: cracking rusted 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: swashbuckling maroon shrine

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: maize floppy corn cake

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: Aquamarine Trip Windowlicker Idiot

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: frozen peach elastic band

lol

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



Reply Favorite

Date: October 17th, 2020 3:22 PM
Author: Alcoholic Tattoo Temple



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



Reply Favorite

Date: October 17th, 2020 2:22 PM
Author: duck-like disgusting water buffalo principal's office

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: Deranged french forum weed whacker

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: maize floppy corn cake

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: Angry plaza

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: maize floppy corn cake

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: elite thirsty office dragon

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: Burgundy gas station masturbator

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: Mewling tan partner site

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: copper curious orchestra pit

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: flesh casino

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: maize floppy corn cake

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: hyperventilating stirring locale liquid oxygen

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: Salmon Excitant Brunch



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



Reply Favorite

Date: October 17th, 2020 1:44 PM
Author: razzmatazz rehab

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: godawful ladyboy wagecucks

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: Onyx space jew

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: flickering passionate haunted graveyard people who are hurt

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: Laughsome high-end stag film

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: Vibrant sweet tailpipe main people

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: beady-eyed pisswyrm famous landscape painting

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: stimulating stead 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: maize floppy corn cake

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: Laughsome high-end stag film



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



Reply Favorite

Date: October 17th, 2020 3:09 PM
Author: Exciting Lodge



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



Reply Favorite

Date: October 17th, 2020 3:35 PM
Author: Supple Azn Multi-billionaire

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: Nofapping glittery place of business knife

Flame

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



Reply Favorite

Date: October 17th, 2020 4:27 PM
Author: Lascivious mint piazza mental disorder

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: Aquamarine Trip Windowlicker Idiot

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: beady-eyed pisswyrm famous landscape painting

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: Aquamarine Trip Windowlicker Idiot

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: Electric hissy fit mediation



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



Reply Favorite

Date: October 17th, 2020 9:01 PM
Author: Jade Home

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: Adventurous Orchid Range



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



Reply Favorite

Date: October 17th, 2020 10:17 PM
Author: Adventurous Orchid Range

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: maize floppy corn cake

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: Adventurous Orchid Range

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)