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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 ...
Bateful institution crotch
  10/17/20
I advise you to make more money and spend less money
misanthropic orchestra pit internal respiration
  10/17/20
No alternative to a hard conversation with a spreadsheet and...
Vivacious canary garrison
  10/17/20
Won’t work. And I can’t leave her.
Bateful institution crotch
  10/17/20
Look, motherfucker, sit her down with a spreadsheet for expe...
misanthropic orchestra pit internal respiration
  10/17/20
She seems to think my $300k was our money and the $300k she ...
Bateful institution crotch
  10/17/20
I am not joking. Here is a manual: https://www.youtube.com/w...
misanthropic orchestra pit internal respiration
  10/17/20
Then you have to tell her a budget and limits her cards (lik...
Vivacious canary garrison
  10/17/20
This. Put her on a budget
drunken parlor
  10/17/20
...
Obsidian Talented Mad Cow Disease
  10/17/20
OnlyFans
Floppy trust fund
  10/17/20
...
Hyperactive arousing stag film
  10/17/20
...
plum weed whacker
  10/17/20
Yep, some of us here might even help her channel get off the...
Khaki provocative pit
  10/17/20
atd
insecure tank nowag
  10/17/20
How much credit card debt do you have?
Copper beady-eyed theatre cuckoldry
  10/17/20
Close to $90k. Very low interest though
Bateful institution crotch
  10/17/20
holy fuck man
misanthropic orchestra pit internal respiration
  10/17/20
(((low interest)))
Khaki provocative pit
  10/17/20
your flame just jumped the shark, unless you're black
Grizzly Theater Stage National Security Agency
  10/17/20
What are the major expenses? I know couples with HHI of 200K...
Coiffed Tanning Salon
  10/17/20
Million dollar house $90k credit card debt A bunch of ...
Bateful institution crotch
  10/17/20
You need Dave Ramsey and God's help
misanthropic orchestra pit internal respiration
  10/17/20
lol
Zippy Slippery School Cafeteria Masturbator
  10/17/20
...
Excitant roommate
  10/17/20
If this is not flame, I feel bad for you bro
cerebral flesh organic girlfriend
  10/17/20
You need to control her access to the money and credit
Glassy shaky church building
  10/17/20
See above.
Bateful institution crotch
  10/17/20
Is your job safe?
Copper beady-eyed theatre cuckoldry
  10/17/20
Well I just got passed over for a promotion to a semi-divers...
Bateful institution crotch
  10/17/20
trying a bit too hard with this one
Hairraiser house faggotry
  10/17/20
What do you do? What did she do? For all her insanity, T...
odious boistinker hospital
  10/17/20
Can you separate out your finances? Your salay belongs to yo...
cracking out-of-control site skinny woman
  10/17/20
I like this
Vivacious canary garrison
  10/17/20
Just a chill long time lurker with a user account and passwo...
Charismatic travel guidebook clown
  10/17/20
Cosmos De’ Medici?
Bateful institution crotch
  10/17/20
A wise dude once told me it’s not what you make it&rsq...
impertinent market
  10/17/20
...
henna location
  10/17/20
1. Flame. 2. Cut off her access to the money.
Cordovan Native Gaping
  10/17/20
begin/keep hitting her with a closed fist at least 1x per da...
olive hell
  10/17/20
she sounds like a petulant child so treat her like one -- cu...
rose anal set
  10/17/20
slice up all your credit cards but 1 and spreadsheet budget ...
concupiscible elite philosopher-king stock car
  10/17/20
Holy shit, my nightmare. Did she always show signs of being ...
Dark Famous Landscape Painting
  10/17/20
JFC, all you had to do was live with another bro, and be bro...
deranged maniacal dysfunction senate
  10/17/20
Why make this post where your wife’s profligate lifest...
Fear-inspiring space
  10/17/20
How do you only have 70k equity? Do they really let you get ...
Slap-happy dun sweet tailpipe address
  10/17/20
Zero down. Fucking insane.
Bateful institution crotch
  10/17/20
...
Dark Famous Landscape Painting
  10/17/20
...
Startling Black Range Prole
  10/17/20
Chris Watts 2.0 in the making here
Vermilion Sandwich Faggot Firefighter
  10/17/20
Flame
Passionate insane foreskin
  10/17/20
great thread.
irradiated bat-shit-crazy idea he suggested
  10/17/20
eager for an update in a week if somehow not flame
misanthropic orchestra pit internal respiration
  10/17/20
You’d be fine w a flame update too I hope
Fear-inspiring space
  10/17/20
it would have to be convincing, but yes
misanthropic orchestra pit internal respiration
  10/17/20
...
arrogant dilemma
  10/17/20
Xo catnip ITT
Angry Seedy Kitchen
  10/17/20
...
Sick base
  10/17/20
The fact is that $600k/year just wasn't that much. $300k/ye...
Sick base
  10/17/20
How will the baby cost $100k? Formula is not that expensive ...
Bateful institution crotch
  10/17/20
Well if she goes back to work she'll need a nanny, plus fash...
Sick base
  10/18/20


Poast new message in this thread



Reply Favorite

Date: October 17th, 2020 12:36 PM
Author: Bateful institution crotch

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: misanthropic orchestra pit internal respiration

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: Vivacious canary garrison

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: Bateful institution crotch

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: misanthropic orchestra pit internal respiration

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: Bateful institution crotch

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: misanthropic orchestra pit internal respiration

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: Vivacious canary garrison

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: drunken parlor

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: Obsidian Talented Mad Cow Disease



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



Reply Favorite

Date: October 17th, 2020 12:39 PM
Author: Floppy trust fund

OnlyFans

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: Hyperactive arousing stag film



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



Reply Favorite

Date: October 17th, 2020 1:51 PM
Author: plum weed whacker



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



Reply Favorite

Date: October 17th, 2020 3:29 PM
Author: Khaki provocative pit

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: insecure tank nowag

atd

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



Reply Favorite

Date: October 17th, 2020 12:40 PM
Author: Copper beady-eyed theatre cuckoldry

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: Bateful institution crotch

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: misanthropic orchestra pit internal respiration

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: Khaki provocative pit

(((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: Grizzly Theater Stage National Security Agency

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: Coiffed Tanning Salon

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: Bateful institution crotch

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: misanthropic orchestra pit internal respiration

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: Zippy Slippery School Cafeteria Masturbator

lol

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



Reply Favorite

Date: October 17th, 2020 3:22 PM
Author: Excitant roommate



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



Reply Favorite

Date: October 17th, 2020 2:22 PM
Author: cerebral flesh 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: Glassy shaky church building

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: Bateful institution crotch

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: Copper beady-eyed theatre cuckoldry

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: Bateful institution crotch

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: Hairraiser house faggotry

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: odious boistinker hospital

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: cracking out-of-control site skinny woman

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: Vivacious canary garrison

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: Charismatic travel guidebook clown

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: Bateful institution crotch

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: impertinent market

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: henna location



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



Reply Favorite

Date: October 17th, 2020 1:44 PM
Author: Cordovan Native Gaping

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: olive hell

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: rose anal set

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: concupiscible elite philosopher-king stock car

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: Dark Famous Landscape Painting

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: deranged maniacal dysfunction senate

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: Fear-inspiring space

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: Slap-happy dun sweet tailpipe address

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: Bateful institution crotch

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: Dark Famous Landscape Painting



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



Reply Favorite

Date: October 17th, 2020 3:09 PM
Author: Startling Black Range Prole



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



Reply Favorite

Date: October 17th, 2020 3:35 PM
Author: Vermilion Sandwich Faggot Firefighter

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: Passionate insane foreskin

Flame

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



Reply Favorite

Date: October 17th, 2020 4:27 PM
Author: irradiated bat-shit-crazy idea he suggested

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: misanthropic orchestra pit internal respiration

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: Fear-inspiring space

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: misanthropic orchestra pit internal respiration

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: arrogant dilemma



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



Reply Favorite

Date: October 17th, 2020 9:01 PM
Author: Angry Seedy Kitchen

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: Sick base



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



Reply Favorite

Date: October 17th, 2020 10:17 PM
Author: Sick base

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: Bateful institution crotch

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: Sick base

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)