(Solved, watch follow-up video)The video I thought I would never make

This issue has been solved. Watch follow-up video. Thank you to all the guys who wanted to lend me money.
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[@brembodream]

Takk! What about the two Tesla roadster you deserve for Tesla referral? Resell value of these would easily sorted this cash problem. Maybe the absence of two roadster not coming create the problem in the first place, because I find it natural to calulate these big values (250k$ each) into the total, but the roadsters are never comming are they? or comming way to late for Bjorn at least. Telsa or Elon should be deasent enough to cash out the resell value of these Telsa roadsters for Bjorn. Bjorn is maybe the single most important contributer that saved Tesla in 2014 in their tougest financial times for Tesla. Reccord sales in Norway in 2014 and also the years to come soly because of Millenium Falcon videos from Bjorn proving that the TMS is capable of being the main Family car in Cold winters in Norway. I support you Bjorn! Let us not forget that Bjorn lend out all the chademo adapters he got from referral program when there was only a few SuperCharger in Norway. He could have sold them instead, but he rather contributed selflessly for the early ev comminuty. We owe Bjorn a helping hand her! Greeting from Oslo Norway😊

[@bjornnyland]

Thank you. That was one of the nicest comments here :) Pinned

[@_kj2]

I follow Bjorn since MF. Bjorn is a major reason, prehaps the biggest reason, why I drive an EV today.

[@johnlovenhill1]

@@_kj2same here. Proud owner of an eniro for 5 years due to KiaBjorn.

[@CarViewer]

@@bjornnyland maybe you can get the bank to give you a loan on the tesla roadster elegebility hence you would have to give them the rights to sell it off but it would give them something tangible that they can lend against. Even if they only lend 20% on each car with that kind of collateral but it still might help you. Maybe renting out the garage for some old car enthusiast who wants his cars at perfect tempreature this could give you a 3 year contract that you can lend against. If the renter has a good credit score the rental agreement is also something banks can lend against. I really hope you will make it through this difficulties good luck!

[@christophspielmann316]

@@_kj2 Same for me.

[@eyubbardakci1544]

Never thought i would write something like this but bro this is so messed up. You sit front of a big house, costs more than 15 mil, with pool and heated floor and you beg for money? Be a man and sell the damn house!

[@user-yb7qj1hf9h]

I think your initial gut feeling of not doing this video was the right move. Very difficult to feel sorry for someone sitting outside a Mansion they can’t afford, sorry but there it is!

[@teslauserexperience1971]

Agreed. Dont think this vid will help in the long run. Man up and sell if needed. People usually learns from such a situation and i'm sure you will rise again.

[@HeyFixThis]

@@teslauserexperience1971 He just told in the video he can't sell it because the prices dropped and he will loose money. It's better to focus on the income side in stead of selling stuff you don't own.

[@joris188]

A million euro home based on a single income coming from a 300k sub yt channel is insane to me. Taking out 15% loans to add stuff like outdoor pool and heated garage is completely beyond my comprehension. I love your reviews and tests that provide the most grounded data on Evs one can find on the internet. So it pains me to see you are so out of touch with reality when it comes to finances. You are living beyond your means and you need to act sooner rather than later. And an extra loan is not the answer

[@stefan2796]

Agree, stacking loans will only make things worse. Bjorn should get rid of debt asap and try to lower the monthly/recurring cost as much as possible. That outdoor pool and heated garage will also give high energy cost. It's not just the building cost.

[@bubbyboo]

Ditto. If he gets sick, injured or can't produce YT content for whatever reason it will get much worse.

[@cristianmorar5558]

Couldn't say better !!!

[@RikHeijmen]

Yes, Bjorn, I think the best and most durable way to move forward is to sell this place, and find a good, smaller house. You will get more life quality back.

[@luisfernandes4145]

It's not a million euros, it's a million NOK, about 100k€. You guys need to pay more attention.

[@gisobo]

Don't let the KZbin fame spoil your family! Get that house somehow finished and sell it. Live a happy life besides KZbin. Your family needs you as a father and husband. They don't need no fancy villa and no public exposure. And we don't need that stuff either. We love your content because you're the ninja of EVs and a nice guy. Your house, your pool, your private car are none of our business.

[@johanwellens6499]

you need a financial planner, no loans for 10%, no bussines class flights, no houses renovating in thailand. You spend way to much, if not today, then another day you will drive yourself in a financial ditch.

[@EnteiIsDoge]

Nobody needs a financial planner. He just needs an excel sheet and some free time to look over his finances. This stuff is not that hard

[@stefan2796]

@@EnteiIsDoge It's not that hard indeed. I'm also wondering because Bjorn is a tech/IT oriented guy when it comes to testing EVs. And he fills this Excel sheet with all his test data. But when it's about personal finance, this "skill" seems more or less absent. With all due respect to Bjorn of course.

[@jeemsi]

Solution is easy, downgrade and don’t live above what you can afford.

[@teslauserexperience1971]

Second that. Take this as a wakeupcall.

[@douwe3300]

It's easy to say but once you invested like this it's really hard. I would not recommend anyone building their own house unless they know how to do it themself. I think financial planning here was fine but like any building project it somehow costs 3 times more than all the contractors make you believe when you start...

[@LBolder]

I agree with some comments here. Some things is better to keep private, financial problems, kids, where you live. So was better not to put this video on the internet. This is indeed bad budgeting and that for a guy that is good with numbers, that surprises me. It looks like you went on a spending spree, big house, swimming pool, expensive kitchen, two kids (because they costs also a lot of money) and that all at once. A swimming pool in Norway for those few weeks per year that it’s there hot enough? Really? that’s pure luxury, a waste of money if you ask me. Now comes the reality check. Cut costs and have discussion with the misses what you both can do about this situation. And if needed sell the house and live somewhere smaller, because the bigger the house the bigger the costs.

[@stefanreimund7630]

I didn't know either that outside pools are common in Norway 😮

[@Cubeforc3]

There's families that raise two kids in a 1 bedroom apartment where both parents work. A house that's over €1M with a heated pool is not needed and seems almost laughable compared to what most people are going through these days. You have no money for curtains but have a giant pool? Almost two grand on a shower wall? Priorities mate. If you want to keep the house then you can't do it on one income. I can't imagine my wife not helping out if the family had financial problems.

[@febrianadji5758]

Not mentioning 70k NOK garage floor heater that still hardly able to keep up in colder times Questionable priorities at best Even when we let it slide He make 11M loan to bank and some more millions with Idehus just to complete this half n half house

[@WartornNOR]

As he said, he deserves it... 🙄

[@conceptt]

yup many here in the US work 2 or even 3 jobs just so they can afford feeding their families and put their children in daycare or have grandparents watch over so they have time to work.

[@teslauserexperience1971]

@@WartornNOR Good 1 😄 Oh and he deleted the "bad" comments. He prob figured he didnt not deserve those...

[@stefanreimund7630]

I can't imagine my or any wife simply trusting in her man becoming more and more dependent...

[@pnketia]

Bjorn you cannot get emotionally attached to material items that keep you in debt. If you do you end up working for the material item just to keep it and you lose out on the enjoyment of life and spending time with your kids. If you cannot come up with the money by renting out rooms or garage space, taking another job, have wifey work etc., you have to cut your losses and sell the house for a more affordable place.

[@niclaus01]

Some positive ideas: a) get down your spending by lowering ALL costs including heat temp (1 deg C saves 5%), restaurant food, buy used child equip b) get a better loan directly from another bank, may be via lendo (if possible for self-employed) c) get more serious affiliate/sponsorship, if necessary use somebody who knows d) sun shield market is overpriced, I bought so called "double rollo" with free competition and fittings to all kind of frames for 30EU piece (even door size)

[@ps5home]

The sunk cost fallacy at work. Check your biases.

[@idiocracy9530]

I feel like this didn't come as a surprise. That you've known for a while that this was most likely pushing beyond the limits of what you could afford. 15% interest is also insane. Now, in the comments it's mentioned your wife is not working. Personally, i would find it unacceptable if my partner was not taking part in the financial situation. To me, it seems like there's an easy fix to this. Sell the house, get rid of the 15% interest loan, wife starts working, you rebuild.

[@bounty112]

And the crazy thing is that they even wanted to hire a nanny.

[@georgeaudi]

@@bounty112that’s insane! If they didn’t fly business class every year that would have saved him tons of money too!

[@sherlock_backs]

Yea, it looked like he had an expensive kind of living and i always wondered how he maintained it, seems like reality just catched up

[@jcnorway]

Followed you for all these years, but wow…. Sitting in front of that palace of a house asking for money/more loan 🫠 Please seek professional financial help/advise - this is not sustainable. That house should not be a symbol of your life/achievement - your family is.

[@8est8its89]

I have financial problems as well... I doubt anyone gives a flying fck about me and my family

[@tomascermak9205]

Exactly.

[@bartek5602]

I like your work and appreciate it a lot. But I'm seriously worried. You play a hero earning money for your family and wife's relatives. And you get no help from her side. She even doesn't know Norwegian and/or English. She never worked. She does nothing. And if shit happens she will be completely helpless. You don't help her by allowing her to do nothing. It's not a sign of love. You hurt yourself, her, and your kids this way. Take care and rethink your life before it's too late.

[@berndine1]

My wife has to work so we can afford our house. Totally normal.

[@WreckedRectum]

I doubt Bjørn is a controlling abusive husband refusing her to learn the language and work for a living. I bet it's more like the wife never had to work or learn the language because of Bjørns success, so why bother? Well, this is probably why. If things go tits up, you better be able to pitch in. Easy to say in hindsight, though. Bank would've given another mill in mortgage loan *easy* to the wife if she had steady income.

[@iamtechnoman]

she probably has him whipped, hence this situation

[@Republic3D]

Dude, that is a private decision between them.

[@tholesund3760]

@@Republic3D At this point, nothing about Bjorn's situation is private.

[@preacher197910]

3 years ago you made a rant video where you questioned why DNB didn't want to give you a loan for this house. Now you know why. And please do better than this: kzbin.info/www/bejne/q4C0eneAntpnbas

[@drfisheye]

The video is deleted.

[@HeavenGuy]

3 years ago interest rates were very low. In America, they were 2.XX%. No one could have planned for the rates we see now. It probably wasn't outside his means when he first started.

[@henrikklinkmann4075]

​@@HeavenGuyThe rates we see now are normal. Rates below 2% were the exception, unfortunately people thought they were normal.

[@HeavenGuy]

@@henrikklinkmann4075 - Interest rates were actually negative at one point. I can see how this guy could have gotten over his head without realizing it.

[@dingsvomdach6764]

But why did you do everything at once? The Garage, the Pool, the second layer paint, even the kitchen You could have done that at a time you have the Money Im Kind of sorry for your Situation, but this Storys are Always the same ... You can only spend what you have Good luck ❤

[@febrianadji5758]

We could justify the pool and garage as the both are reason they're moving But man never thought the house itself to be that big and empty yet still cost 14m NOK!?

[@torotomika1911]

It's usually the woman that demands the world even if it's unreasonable.

[@drfisheye]

It probably was cheaper to do it all at once rather then later. Easy trap to walk into. Like people who want to restore a classic car, then go too far to get everything right and end up with an unfinished project and no money.

[@Lewis_Standing]

Sell the house, buy somewhere for half the price, be happy without financial stress

[@stefanreimund7630]

Especially when you are self employed and the only income of the family...😮

[@sn3lhest]

In Sweden we would say that you "live above your assets", meaning you have a lifestyle that you simply cant afford in the long run. Im a big fan of your channel and I have been watching for a long time, but honestly you have to start with your behaviour and change that first. Sure, more money now can maybe help you in the short run but not in the long run. You have a house most people could just dream of, but honestly you need to realize that also. If most of your income today comes from youtube directly then im sure you can make more money from adlinks, sponsored videos, selling merch or whatever. Doing car and tech youtube is on the more profitable side compared to other genres.

[@CheddarKungPao]

Love to you and the family, Bjorn. Your channel is an unbelievable resource for all EV drivers.

[@turboclown]

This is really bad budgeting at work, I'm sorry. Yes, interest rates have been bad but not since yesterday. You overextended. I truly wish you the best though, maybe you should add more product placements or ads into your videos.

[@midastouch1140]

He could have saved a lot of money by just going to ikea thb.

[@johnair1]

he is a very hardworking and decent guy and the hardest youtuber i know in the ev segment with all that 1000km chalenges etc. Because of him hundreds of Tesla have been sold maybe even thousands. He deserves every support there is!

[@Simon-dm8zv]

@@midastouch1140 That's literally what Bjørn says in the video.

[@M-hq9xz]

He could sell his own car cleaning products 🙃😉

[@ando5899]

​@@johnair1 can only agree, Bjorn's great but I've learned from hard experience that the hardest worker doesn't get the biggest rewards! It's how you work and what you do with the rewards.

[@shinkulau]

Bjorn. You overstretched your finances. KZbin is the LAST place you should be coming on to seek help. You should know by now, youtube is full of crazies and people who hide behind their anonimity and tries to set the world on fire and happy to watch it burn. You and your wife need to figure this out privately, simple as. DO NOT go into any contract with anyone who approaches you off of KZbin, this would be most unwise. Good luck to you mate.

[@stefanreimund7630]

True❤

[@Wizzkidy99]

Jesus, look at the size of your house with two children. I have 5 children and live in a tiny 3 bed house and can't afford anything bigger. Prices are insane here. Count yourself lucky

[@LasVegar]

And a pool that's quite unusual in Norway.

[@michlblacksmith]

Why would you have 5 children in a tiny 3 bed house is also something I will never understand. Prices are in this case seriously not the problem, personal decisions are the problem.

[@superfly2nd]

Hi Bjørn, thanks to your video’s I’ve bought multiple EV’s for my family and also convinced friends and my parents to buy EV’s. All your detailed video’s and exceptional Google Sheet gave me the confidence to buy my first EV. It also showed how good the Scandinavian EV infrastructure is, which made us do 2 holiday roadtrips to Norway and Sweden. I’m actually typing this from our Airbnb is Sweden. It also made watching video’s about EV’s fun and I look forward to every new video you post! Let’s hope these small contributions help out enough so you don’t need to pay these huge interest rates anymore.

[@konradfichtner112]

I wish you all the best - thanks for all your content. You paved the way for so many people (and perhaps even companys) concerning EVs.

[@schunkelndedschunke6914]

Maybe you can separate the 1st floor, or half of the house to rent it. Not funny, but better to loose the house. Maybe only 1 or 2 rooms for tourists. Than the pool will be perfect.

[@ydmf2]

Yes, he can AirBNB a room for $80-$100 a night easily. I looked at rooms around Jessheim..

[@celeron55]

This is the first thing that came to my mind but you're *so far* down in these comments with this! It seems silly to me not to. Of course, that doesn't provide immediate income to pay the 15% interest debt. For that he'll need to find a more reasonable lender.

[@londonwestman1]

Yes. This is always the suggestion from one of my friends.. And she has made loads of money over the years with a number of variations on renting out rooms. The baby changing room, for instance - that could probably be rented out and then use a mat in the bathroom for baby changing.

[@lembas.]

But then you have strangers in your house with your vulnerable family.

[@Cenon2_]

Earn extra NOOKs for offering to replace the first word of BnB with Björn, and even more for the last

[@priestland1]

Yes Ikea kitchen, just done one £2000 and it works as a kitchen. Am hard pressed to see how it could be any better and to spent 30k, crazy.

[@tobimai4843]

Ehh 30k for a kitchen is kinda OK for a good, brand-named one. But in his situation, IKEA for 2k would be smarter. You can still put in a nice Kitchen if you have money after 10 years

[@bberis1]

£8500 to paint the outside of a house. Ok. Time for some DIY.

[@hannomatt]

@@drsavage5597 lol

[@dillerdallerglor]

This is Norway. Anything that requires manual work is expensive as fuck.

[@MariusEV123]

1 week painting house, or 1 week making videos?

[@9-and-3]

@@MariusEV123 If he were earning 10k EUR per week from KZbin, the house would already be paid off.

[@MariusEV123]

@@9-and-3 it's no cost painting a house of this size and height if you do it yourself?

[@gerarddillon2890]

I really appreciate your videos and have watched your videos since 2018 before I bought my Tesla. Thanks for the great work you do and I cant wait to see what you do to grow your business .

[@GManPT]

"(If I sell the house) I'm going to lose a lot of money". Reality: You are already loosing a lot of money money by having 15% interest rate.

[@celeron55]

15% interest on 100k€ is 75k€ in 5 years (if you pay the interest only). The house probably sells for at least like 300k€ less than he spent on it. So, it does make sense to want to keep it even at high interest.

[@triggertits]

That would be the entire point of this video, to get rid of that high-interest loan.

[@Teapode]

I don`t understand why did he choose to get Loan instead of Mortgage. 15% for Loan is a normal rate. Mortgage you could get for 5,8% in Norway, but you could get it much lower. So he could go and get Refinancing and get a Mortgage and bank would pay Loan, but for some reason he is not going to. 🤷 Mortgage could be paid in 40 years, 1 200 000 NOK. So it just 2500 NOK per month. Instead of Loan, those are taken maximum 10 years. 10 000 NOK per month. So Bjorn shold tell us, why Banks would not give him cheap Mortgage and he only could get a super unfavorable Loan. Maybe something in the past? Maybe not paying taxes as banks do not calculate your income if it is not taxed?

[@GManPT]

@@celeron55 dude that house is 1M/1.5M€

[@dimitrimichaux461]

Maybe it's because he does not have a steady income? I know it's hard here for people without a steady income (artists, writers,... ) to get mortgages. They might make more than the average person, one month they make 1k, the other 8k, the next 6k,... The bank does not think this is a steady predictable income so they don't want to risk it.

[@nts_nathaniel]

This is such a bizzare video to watch.... Content itself and the way you choose to frame this shot. I bought my apartment in 2019 and to this day, there are still some things missing because I simply did not have the money to buy them yet. Why did you prioritize building a pool of all things is beyond me. + all the weekend trips, eating out, etc... If you really want to keep the house, sell some other assets if you have them. Try to get a new, longer loan (mortgage) to get the monthly payments down. If not, sell the house. DO NOT, I REPEAT, DO NOT GET ANOTHER LOAN., ESPECIALLY PRIVATE LOAN UNBELIVABLY EXTREMELY BAD IDEA!!

[@stefan2796]

Agree, private/personal loans are cash killers by nature. Mortage rates are around 4-5%. Personal loans, 10% and up.

[@simonloder4964]

Thanks for all you EV related KZbin videos Bjorn, you taught me so much before I bought one in the UK 👍🏻🏠🙏🏻

[@dtbsz]

Not a good look m8. Begging with the bigass house and pool and garage in the background... 15 mil... very cheeky... good luck tho' but this says a lot about you

[@eyubbardakci1544]

True

[@asia911]

LOL. You know nothing about math or currency. That's 1.3mil Euro.

[@dtbsz]

@@asia911 ok, bot account. btw that was not the point :))

[@asia911]

@@dtbsz You failed at math and in life. LOL. Cope.

[@mattiasjansson1565]

Tack! From Sweden with love! Without you the world of electric cars wouldn't be the same. And Wifey deserves that pool!

[@marcindomar]

Dziękujemy. Thanks for all videos, tests, excels with data.

[@robsengahay5614]

I’m sorry but it is really revealing that no family or people close to you will help. You have overextended yourself and still don’t understand that judging by your explanations. Your thinking here is insane. Huge house, pool, heated garage, expensive kitchen etc but no curtains on the windows. It sounds like you have a spendaholic wife too (my first wife was one of those and it dragged us both down and ended up in divorce with a long road to economic recovery afterwards. Sometimes you need to take a step back and put a mirror in front of yourself metaphorically speaking. I suspect that you are reading comments like this and thinking they are just negative when in fact they are giving you uncomfortable truth. If you get this loan and/or find a way to keep this house you can’t afford will you have learned or will it be a springboard to overextending yourself again in order to keep wifey happy. Believe me there is no way to appease a spendaholic.

[@AaronStarkLinux]

In my opinion, you should keep everything related to the house and your private investments to yourself. I feel like the more you talk about it and share it in videos, the more you will trigger the haters. First of all, you have been working so hard, and that's your income... the question is... why do you feel the need to justify in KZbin videos? I think the bad decision wasn't buying the house or a pool, the mistake you made was to share publicly. The maths is simple here, people on the Internet just want to criticize anyone who is looking rich or just happy. I honestly think that an excess of honesty and transparency when it comes to finances is never good. The only one who should be transparent is the Government. Apart from that, now that you are dealing with this new situation, people are gonna use it against you, which is sad. However, I just hope the algorithm helps you a little bit haha. I just hope everything goes well Bjorn, wishing you the best :)

[@PierreSimonsson]

then thing is house and family videos also make the best Views so i do not agree here if he stopps doing those videos he will make less money.

[@AaronStarkLinux]

@@PierreSimonsson just my opinion, thank you

[@AaronStarkLinux]

@@KevKlopper You got triggered like a hater though.

[@allanreekie8264]

I agree with Aaron. Keep finances private.

[@AaronStarkLinux]

@@allanreekie8264 Correct 👍

Thank you for all the videos, I enjoy them very much. You helped me a lot when I was buying my first EV - ID.3. And most probably you will help me when buying my next EV. It is time to return a favor. Good luck from Croatia! ☺

[@iambenmitchell]

Bjorn, I’ve been watching your channel for so many years and you’re one of the most talented people on the platform. I don’t know you personally but you seem really genuine and kind on camera. And I really hope you find a solution that is best for your family soon and this doesn’t hang over your head for too long. With that said, I think what’s happened is you’ve flown too close to the sun with this one. It seems like you’ve gone for the best of the best offering when it’s come to things like kitchen, garage, paint, etc. We have a saying in the UK “spend a penny (£0.01) to save a pound (£1)” But it seems like what you’ve done is spent a pound to save a penny. Yes long term it will pay off, but given the current financial climate since 2019 or so, I’m not sure that’s been wise. Yes long term I’m sure having a fancy kitchen will be better than an IKEA one, but it seems that short term you can’t afford it. I hope you can find some money through sponsors and you don’t dig yourself bigger hole. I think you have flown too close to the sun, buying a massive house for just 2 kids when something half the size would have been amazing for them, and something like a 2 bedroom apartment would have been acceptable. Personally I think (and this is not financial advice or anything) but I would sell the house and cut my losses, then buy another already built house that is half the size and live there for 3 or 4 years while you get your finances back on track. And then maybe you’ll be able to buy your dream house back, or be in a better position to build another one using the experience you’ve learnt from this house to make sure you don’t make the same mistakes again. Some of the prices I’ve seen you say for what you’ve spent just make no sense to me, obviously i understand that you and your wife probably don’t have the time to paint your house yourself, but £8,500 seems like a lot to me. Anyway, to put what I’ve said into more relatable terms: Your current house is a Tesla model S plaid You should get yourself a house that’s more like a standard range model 3 But people are doing perfectly fine raising children in houses that are more like a Volkswagen Passat

[@syedabid3010]

Painting is very expensive in Norway. I wanted to get the entire interior painted on my 130+ sqm house and the estimates were somewhere in the range of 70k to 90k NOK, so i started doing it myself, one wall per weekend :) and now I have covered almost all of the interior. Paid less than 5000 NOK for the paint and the equipment. 8500 pounds for the entire exterior on this humungous house is perfectly reasonable price in Norway (considering the scaffolding costs as well)

[@scubzi]

Thanks for all your great videos. I bought a TM3LR in 2021. I am at abort 150.000 km on the odometer. How many thousand DKK did I save on dino-juice? Time to pay you a bit back. Keep up the great work, Bjørn…

[@Amatheas]

Thanks for all the reviews and other videos. You helped me a lot with my EV purchase. I hope that everything gets sorted out and you get to keep your house.

[@Garstonk]

"I don't spend money on useless stuff" Has anyone ever been in the pool? Correction - heated pool?

[@peacenpowder]

its about two three weeks its usable here in Norway a year. I use to live where the "mansion" is.

[@mascot4950]

@@peacenpowder I get the point you're making, but that's BS. It's 2-3 months, not 2-3 weeks.

[@peacenpowder]

@@mascot4950 I think you mix our summer months with actual days with summer weather. Then subtract the days you cannot use it. I will stick by my BS, and counter argue that you are the one BS'ing

[@mascot4950]

@@peacenpowder If you feel a pool cannot be used if it's raining, that's a subjective opinion you're entitled to. But it's objectively incorrect. You're perfectly fine using your pool June through August without exorbitant heating fees.

[@peacenpowder]

Whatever dude. It would have been easier for you to just dont bullshit.. You can use it in january too if you are a ice bath dude, but how many does that? Bye, I am not debating stupid, over a non issue..

[@uwehopfner7435]

Dear Björn, I have rarely been so sad when I have seen a video of yours. I can understand your situation well. Sometimes it's better to draw a line in the sand than to get caught up in more and more debt. Even if it may show weakness, it takes courage. I wish you all the best and hopefully you make the right decision for you and your family.

[@antonbonev]

Everyone has rough times, sometimes. You have helped me, with your work. I wish you well! Best regards from Bulgaria!

[@davidmortensen4905]

Many have written about the financial dispositions you and your wife have made. It is easy to look back in time, more difficult to look forward. So I don't want to comment on that, but I think you and your wife should ask the following questions. 1. What is most important for our children's well-being and development? 2. What is the most important thing for our relationship to survive? 3. What will our lives look like in 1, 5 and 10 years with the choices we make now? I hope that together you will find a sustainable solution for the family. I hope you ride out the storm and come out as whole people on the other side. There are no right answers, but similar reflections.

[@jeffg9706]

I grew up in a small 3 bedroom house rented by the council and it was great, I feel that you moved too quickly and working hard was a distraction too, I would consider selling the house for now and be happy you have a good family, Good luck i hope it works out for you all.

[@fenmate]

Thanks Bjorn for all Your hard work and very informative and cool videos. Hope You will be able to sort out the situation with the house.

[@22Epic]

It's time to learn the difference between what you need and what you want. If you don't have the money you should focus on what you need, but I see a lot of what you want in the video. And now you're gonna learn it the hard way because even if you sell the house it will be probably for less than what you owe.

[@orzelda9955]

Appreciate the honesty and transparency. Sell that house asap. You’ll live as will the wifey and kids. There’s nothing to be gained from having this burden on your shoulders whilst also running a KZbin channel, being a father, being a husband and everything.

[@robsengahay5614]

We live on a similar size plot in Queensland, Australia. Roughly 50% of the homes in my neighborhood have a pool but even though our summers are long and hot and our winters are really mild they are rarely used. People assume their kids will be using the pool all the time; they do at first but soon stop and lose interest in it. That’s kids for you. They actually are something of a curse because the costs associated with them aren’t limited to heating. Pool maintenance is an ongoing chore and cost. When we moved here from the UK 10 years ago we thought long and hard about buying a house with a pool or without but, as luck would have it, the house we liked didn’t have one. Knowing what I know now I would have rued the day we bought a house with a pool if we had made that mistake.

[@sr20trx]

100% I'm in Perth Australia and our pool never gets used, the kids never really wanted to use it of there own accord, I can't be bothered with it yet it cost a fortune in maintence, everything has been replaced, pumps, filters, chlorinators, pool heating tubes yet it still runs 8 hours a day on 3 phase power. Oh how I wish we never got it..... To have one in Norway is nuts!

[@beloved803]

oh my gosh. this is really bad. you are still in denial. you cannot afford the house. giving you money would just enable you to continue to make bad decisions. :(

[@dingsvomdach6764]

I am painting my house my self. It took me weeks to do it ... But i dont have the money to pay someone to do it. Why you take a lone for this stuff? I can not understand it... Sorry And by the way, a white house have to be painter every 3-5 years. Dont expeckt 15 years

[@allusernamesistaken]

He might loose more money on not making youtube videos than he saves by painting.

[@dingsvomdach6764]

@@allusernamesistaken 10k € ? For 2 weeks of painting ? Then i Wonder where the Missing Money is coming fromn

[@ruyan247]

@@allusernamesistaken I work a job and paint my house. I actually work construction, that I got into after buying a 200 year old house and having to renovate it myself due to insufficient funds. People like Björn are a huge market, guys that have some money and weak wrists. Sell the damn house!

[@BeyondWrittenWords]

best advice, this house will be misery beyond understanding, if you keep it

[@maniaclizard]

Sell the house. I was so unhappy as a child because all money went into the house. No vacations, not so many toys, no travel, no support during my studies at uni. In the end after years some large bills arrived and the house, which was unfinished for a decade, had to be sold. It was a big relieve to be frank. Try to get something cheaper than this house

[@DavidDji_1989]

Get a smaller house in Norway and a nice house with pool in Thailand :)

[@MariusEV123]

Not 100% sure, but I would say selling the house now would mean at least -4M NOK prob more

[@johnair1]

your case is unfortunte but björns case is a total different with all respect he just needs some support now but later he will be fine! As he said just the last 5%

[@maniaclizard]

@@johnair1 he overstretched his financial capabilities. It’s as simple as that. You can live years being almost broke just to own one thing. But life is more that just that building

[@RealRossini]

Hey Bjorn, sorry to hear that, but man, with over 300k subscribers and 300+ patrons, something's not right. And I mean that constructively. Look, if I earn 10 million EUR, am I rich? Not if my expenses are 10.5 million EUR, right? What I'm saying is, you need to 1) figure out what's actually going wrong, and 2) fix it. A loan isn't what you need, trust me. I learned that the hard way (went broke, became homeless, lost my business, now I'm back in the saddle).

[@raisethereef]

Welcome to being an adult. You made many mistakes in a row and are now paying for it. You don't need time as you claim. You need a reality check. Sadly, total failure may be that reality check you get. Of course, you can avoid the humiliation and failure by selling the house ASAP (even at a small loss) and accepting the mistakes have been made. Don't make more mistakes to try and correct all the original mistakes. The saying "you can't borrow your way out of debt" seems to apply here. Wifey needs to get out and work. Sorry. Life is hard. Pay for daycare. 99% of us have to live this way. Begging on KZbin is one of the worst looks you could possibly have right now. If all you need is a little time like you claim, wifey won't have to work long to get your finances back in check. Sadly, this isn't true but at least you can try and continue on this path of bankruptcy and no credit. YOUR WORRY SHOULD BE ABOUT YOUR KIDS, NOT KEEPING A TOTALLY OVERPRICED HOUSE.

[@UndefeatedDeity]

Sadly, he will eventually sell the house. Well-paying KZbin channels don’t last forever. The lifespan is +/- 7 years. So when the income runs dry on KZbin, then what? He still has to do this KZbin thing practically till he dies.

[@Raiffa2]

It's astonishing to see someone in such a position, seemingly oblivious to the financial realities faced by most people. The insistence on maintaining an extravagant lifestyle, despite the obvious strain it puts on others, suggests a level of megalomania that's troubling. It's not just about the money but the lack of awareness and empathy for those who struggle with far less. There's a fine line between enjoying success and indulging in excess. This situation highlights the importance of responsible financial planning and compassion towards others' challenges.

[@Kinaboxlol]

What seems really weird is how analytical you are when analyzing a car, and the way you resonate your way to what a smart decision is when buying a car is a huge reason many follow you. Needless to say, this video comes as quite a surprise. Makes it seem like you have not thought anything through at all.

[@nicograf9745]

I have followed you since the early days and profited a lot from your EV knowledge. This is just a small token of appreciation.

[@orlovsskibet]

It takes guts to make a video like this ! I am not in a position to help, but I hope someone else is. You are a hard-working man, and that is always worth a lot !

[@Igor-ok7ru]

I hope you find a solution and keep everything you've worked so hard for. Wishing you the best

[@Jan_Ly]

1 million may save you now, but in a little while you will be in the same situation. The best advice is to move to something smaller, not nearly as expensive. which fits your income or your wife start working and adds with an extra income.

[@AaronStarkLinux]

Best option for him now is to sell and to rent something in Germany and start making content there. German Autobahn content and the fact we will be closer to the big events.

[@febrianadji5758]

Yeah I have relatives living off these "small loans" He now unable to do something meaningful due to stress managing all that loan

[@frankbjrnsten7189]

⁠Germany is dead in the water now. They don't buy many evs. The German EV KZbinrs are struggling big time.

[@norboost]

Is this a parody or something? If this is serious then please watch your own video and consider what you're saying. You've been overspending for years. Even saying yourself that you couldn't afford the Model X when you bought that. And now you're in the same position with a house that's bankrupting you. You don't need a loan/life line. You need a life style change. A life line at this point would probably teach you nothing and you'd just find yourself in the same situation later on.

[@bjornnyland]

Unfortunately you as many others here didn't know the story. I never bought a Model X. I won it as a Tesla referral price. No wonder why there's so much hate here. Everything is based on wrong assumptions.

[@norboost]

@@bjornnyland No just a minor mistake. I obviously meant millennium falcon which you talked about in the video. I just thought it was the X but it was the S.

[@ElectrifiedStud]

@@bjornnyland it is not hate Bjorn, don't get caught on the victimhood syndrome. Listen what the majority are telling you here. Sunk cost fallacy is real. Watch my (few) videos and you will find an van I was working on for 2-3 years fulltime (which was beyond foolish) as I got it for ultra-cheap, but ruined my good part of my best years that should've spent on building myself than wasting on a piece of junk. It gave me valuable first-hand experience with respect to working with intracies of automotive tech, but it was just too much to call it invaluable. You know what is invaluable, life. Life is more important than materialistic belongings, living it is most important. Listen to them, fix your finances and get a good advisor whom you would not like initially now, but deep down in your gut you will know he makes perfect sense. 300+k subs for a decade old channel is a failure. People get it like in months these days. You need steady income, and income should always exceed expenditure. Get wise, and Good luck!

[@ElectrifiedStud]

@@bjornnyland Also, housing is a bigger scam worldwide in the last couple of decades. Be smart. Also remember, nobody will help you with financial downfall. It is dangerous to play with finances beyond your capability and keeping future uncertainities in foresight. 1 person, 1 source of income is super dangerous for a familyman like you.

[@yordizgz]

I live with my family in a modest 3 bed house, with a small garden on the back, no pool, courtains in every room, 2 cars, no EV’s because can’t afford it, 2/3 holidays per year (in tourist, of course), of course we have debts that we can pay, 2 children, working mum, working dad, no family near us… Bjorn, live the life that you can pay, no that you dream 👍

[@LatvianGamings]

Thank you, I have been a subscriber here since 2014. Don't give up, sometimes difficult problems require creative solutions. Take all the sponsorships you can, it's a little inconvenience for us viewers but a big help for you right now!

[@M0j0]

I have watched you from the start. The amount of knowledge and experience you've shared is simply amazing. You deserve all the success you have worked very hard for. I wish the roadster was on schedule as that would have fixed everything I think. Anyway I hope you fix this challenge and it goes the way you hope it does. Many thanks from the UK❤

[@erikjacobsen444]

Bigger the house, bigger the problem. Bigger the problem, bigger the headache.

[@zero1666]

All the best Bjørn! Get those sponsorships man!

[@enoughofthis]

Kids don't need big house, they need big love.

[@AaronStarkLinux]

Correct 👍

[@AaronStarkLinux]

@@arsni23 💯

[@albi1977]

You don't know him personally. You should not judge over his role as a father.

[@wojciechtreter7808]

Why not both

[@yohan9577]

they can have both. If he can afford, what's wrong

[@antonydanby]

10 to 12 years of KZbin gets you this? I studied hard for 7 years to become a Software Engineer. I've been working for 34 years and only now have I got something like this... But I didn't stick a pool in because energy prices are a rip off in the UK. Instead I stuck solar and batteries.... Anyhow, I have followed you for quite a number of years, your reviews are really good, but if I had any advice to give : Don't talk about your personal finances on KZbin, you will end up with split views and even more hate... I am fairly pragmatic, so I take a step back and view this for what it is, but if I was you I'd take this video down and chalk it up to experience..

[@GoldenCroc]

You cant get more culturally pragmatic than us nordics. Thats why he posted this video. Where he is at, far fewer than anywhere else (like Uk or US) would see anything wrong with it.

[@silvacrest11]

I've been reading the comments section for this video and im not seeing hate, just criticism which I think is fair, advice and even donations, youtube has surprised me

[@N1ckZ]

34 years? Something is not right.

[@antonydanby]

​@@N1ckZWhy is it not right? I worked hard for everything I wanted

[@N1ckZ]

@@antonydanby No, I just thought it would take a bit less time.

[@winterwitter]

Bought an eC4 then replaced with a TM3 SR under your guidance. My father ran his own company for 20 years, its a hard slog. Don’t give up, not just yet, looks like your viewers give you a bit more time ….

[@BoHaMo]

respect that you talk about it Bjørn. We dane's appreciate openness and people being honest. I wish you the best and will continue watching your videoes. Stay strong and I hope for you that a sponsor shows up. I am sure it will work out.

[@KookyBone]

Sorry to hear... The biggest mistake people now a days when building a house is to add extra stuff to the standard models (special kitchen, special color, bathroom changes)... This will explode the cost. Just build the standard model and than over time you can hire craftsman that can add the extras... Another thing i suggested to a friend... If you take a loan than with a fixed rate - yes here in Germany the rate wil be a bit higher 7-9% instead of 5-7%, but at least you can calculate all your financial burden... At the moment there is a huge risk that intrest rates could spiral out of control because the inflation is still not in control... Risky business to take loans right now. And the third thing is really important - when building a house, always calculate about 20% of rising cost... Often there come a lot extra cost on top (materials get more expensive, work needs longer, stuff was not correctly calculated and many more thing) that will add up... So if you get an offer to build a house for 1 Million, always be prepaired to pay 1.2 million or more

[@macki5542]

Hi! After being a viewer for 5 years it’s time to give back! Your awesomeness guided me to all 3 electric cars I bought! Thank you for that! I’m sorry that I can’t loan you any money, if I could I would and have done it interest free. But I am I painter and i could fix your garage for free? Paint and all. It’s a 6 hour drive but it could be fun! Maybe there’s a cool car to try 😉 You’re without a doubt the best youtuber! Period!

[@bjornnyland]

That would be awesome. But the garage has low priority right now. It works fine just the way it is. Eventually I need to paint it so it will last. Maybe you can send me an email to [e-mail]? Thank you.

[@drmsbest]

Thanks! Great videos and my 'go to' when looking for information about EVs!🙏

[@WiZe1972]

Hi Bjorn, I can relate in a way; I had a quite nice house but we were complaining about being at 900 meters altitude, snow, small kids around. So, in 2020, we decided to sell and move down close to the lake. We saw that cool project of a house with quite big land and the swimming pool. Mortgage rates were so low at that time that we decided to go on. Unfortunately we’ve been scammed by some criminals that took our money and went bankrupt, a legal action is in place but I’m not expecting anything out of it. We’ve been forced to rent a flat while our new house was having issues during the building, we had to redo everything and add 420k to the mortgage . It has been emotionally and financially really hard but we finally moved to our new house last April. Same as you, I’m not sure if it will be financially ok. Thanks God, despite having a 27k KZbin channel, I could never rely on it to pay my bills; I have a 8 to 5 job, wife also and KZbin is some little income. We will see how things evolve and, if needed, try to sell the house with a margin as land value went quite up since we bought it. There is always the sun after the storm, stay strong, see the glass always half full and smile to everyone!

[@LittleSpot]

I don't really understand the swimming pool thing. For me a house is a really big project. And a pool is an extra of cost. In my head, i would build the house, and than add extras later when all in the house is stable. Sorry for all this shit you went through. I just try to understand what people feel about this pool thingy.

[@WiZe1972]

@@LittleSpot Your question is understandable, I decided to keep the swimming pool for two reasons: It will help for the resale value and I didn’t want to look at my land and think that, because of criminals, I would not have the swimming pool that was planned since the beginning

[@pasqualepellegrino2937]

Not another loan, you can’t meet your current commitment. This is like taking out a loan to pay for a credit card debit.

[@paulrautenbach]

He also said that he can afford the interest on an extra loan but can't get it from his bank.

[@pasqualepellegrino2937]

@@paulrautenbach did he say why his current bank won’t give him an extension on his loan?

[@pasqualepellegrino2937]

@@Mike-kr5dn refinance with whom?

[@jkajolin]

​@@pasqualepellegrino2937yes the there seems to be some legal rules that the bank cannot provide more

[@febrianadji5758]

​@@pasqualepellegrino2937Iirc it's already been extended compared to initial loan

[@MagnusTheViking]

You should have built an utleiedel/hybel in your house. Then you can get tax free income, and use that future income to increase the limit on your loan in your bank. Wifey should also get a job after the maternity leave.

[@ettoreroberto]

Sell the house. The when you get the two roadsters sell them too and never ask for a bank loan again.

[@ronaldderooij1774]

I have dreams too. I can't afford them. And buying a house like that whilst you complain that economic times were too uncertain to find buyers for your old house, well, don't you think that something does not add up? You say you should have done it a year earlier. Should have, could have, would have, will not save you. I don't want to sound jealous (I am not) but that house is far, far bigger than 99% of people have. You are a bit too materialistic in your ideals. That is your right, but yeah, that takes some luck and hard work to achieve. Luck is not on your side, so now with all due respect, you are in trouble. That's adult life man. You have children. They want a future. That house is your brainchild. Not your child.

[@Guga410]

you are so right. sad but true.

[@yhfsywfit]

Well said, Ronald.

[@ildikopichler4349]

Absolutely right. Nearly the hole house is build on money from the bank! Think about the loan interest of this borrowed 1,1 million Euro!!! I really don't understand this. He will have to sell the house!

[@ivanendicott3273]

Champagne dreams on a lemonade budget. Sometimes its a hard lesson to learn, you are living beyond your means, borrowing more won't help as there will always be somthing else you need money for, its a slippery slope.

[@WilsonLeo]

I just got up for work, and I see you're up now at 4 in the morning liking and commenting. It seems you've been up all night? You are in a stressful situation and I understand if your mind is spinning out of control. Just don't do anything really stupid! Remember people love you and need you! It will all work out, house or no house. Try to focus on sleeping and eating well and exercise, It won't help with the bank, but it makes things easier to handle. This comment section gets pretty vile sometimes, so remember that what some people write does not reflect on your worth as a human. If you choose to take down this video, its totally understandable. Financial troubles are stressful enough without having to share it with everyone and anyone. Wish you all the best!

[@GreenDriveIndia]

Yes this world needs a relaxed Bjorn

[@michaeloe6226]

Danke für deine Videos und für Presenting Norway! We ❤ your Road Trips!

[@michaelmeier2037]

You shouldn't let your family put you under too much pressure. Sell the house and make sure your children are raised well and lovingly. When you're back on your feet financially, you can think about a new house, which you should plan in a modular way so that the size and features of the house adapt to the bank balance. Basically, in my opinion, you've got the order wrong. First comes the big bank account and then comes the big house. I hope you have a good financial advisor for all your future decisions and the balls to make tough and necessary decisions. Go for it.

[@themodfather9382]

It's called simping

[@GreenDriveIndia]

Always enjoyed your content and you motivated me enough to buy an ev and start a KZbin channel. Still not monetised but I love making those videos . Thanks a lot for your hard work., you don’t deserve this hardship. I will try to bring more help.

[@c1d2e]

Very difficult situation that's not uncommon. I give you credit for coming clean in public. Many of your followers gave good advice when this project was in the early stages including myself, (buy a inexpensive home out of town) but it fell on deaf ears. Wish you the best Bjorn.

[@berdugosocials9854]

Björn, your EV spreadsheet is one of the best out there for data source. Have you consider or thought about making an app for different platforms?

[@davidbryant2872]

Or charging a fee to see that data? No other youtubers have all that info, that have seen.

[@Brzeczyszczykiewicz1]

Buying a house over your budget is often not going to work out and sometimes you gotta face realities. Buy something cheaper and buy something that you know you can afford in difficult times.

[@topgunm]

Bjørn as others have suggested (I live in Norway so I know the rules in regards to the loan etc). The only way I can see you keep ownership of the house is to rent out your current house, and rent a smaller house for yourself and your family. If your wife does not have a job, start there once you have moved into a smaller place. Either that, or she needs to step up and take care of the children at all times. My mom did that when we were little, while dad was away on business for weeks. There is no reason why she can't do that if she does not have a job. You can start selling merch, do sponsored videos etc. There are a bunch of ways to generate more income with your huge following.

[@kosiranze]

Wait, he doesn't have any merch? I guess I just assumed he had one. That seems like some seriously low hanging fruit. The ABC (always be charging) 👕 and some good plays he had an that would surely get some traffic. And a Shieeeet... one likely as well... And for an easy (like really easy start) maybe make some designs, put them on a print on demand store like society6, advertise them through your videos, and you get a cut on every sell.

[@kosiranze]

And while I am not willing to send money directly, I would gladly order a shirt or two with @bjornnyland content inspired designs. Heck, maybe even some stickers which I usually find pretty useless. Maybe, it could be your wife, who instead of looking for an employment, can commit some time to help with designing things you could sell as merchandise? (especially if she is at least a somewhat creative type)

[@vb8253]

When I saw that house for the first time, I thought "He certanly have a good business or big passive incomes so he can afford all this and also have enough time for youtubing with car tests". And then was pool, garage, kitchen and so on. That prices are huge! I always wanted big house for my family, but we decided to bought big appartment rather then house to have good infrastructure around in walkaway distance. But the point is before we bought that appartment, we worked hard to make anough money to buy it without any loans or credits! Only this way can guarantee you that you can afford some thing because you already know you have all necessary sum for that thing. Yes, you should spend some time of your life to make that money without directly usage of it. But this gives you positive delta - it is your money and you are their owner, so you can feel how hard you got it and what part of it you are ready to spend for your dream.

[@lkrnpk]

In some places it is possible, where real estate is rather cheap but you can earn a lot, sure. And usually such places/countries also have high mortgage interest rates which make it less appealing to take a loan. But in many places it would really take a long time to earn all that money. Like where I live my mortgage is actually lower than what I would pay if I rented the place, sure you also need to put down your own money to take out mortgage but prices of real estate have also risen. I took out my mortgage in 2017 and I am happy, because if I had not done that and just saved money, today I would be still renting some place and would not have enough money to buy an apartment as prices have gone up significantly. Thing is in the last 7 years real estate prices have probably gone up like 40%, while if I had invested all that money in some regular financial instruments, I do not see how it would have grown by 40%

[@vb8253]

@@lkrnpk Makes sense. Also you can firstly buy small apartment and after several years sell it and buy something bigger.

[@eddiefigueroa746]

Congratulations on the home , the family and the pool!! Enjoy the fruits of your labor!! Love your videos keep up the hard work

[@steveonyoutube3120]

Your Videos are reference for ev-car-testing. Thank you for your work. Good Luck

[@chrisbailey5055]

19:40 ummmm, you cant afford it, you are asking youtube viewers for loans...I would suggest taking this video down, and find a financial planner.

[@stefan2796]

Or start filling an excel sheet with financial data, next to an excel sheet with EV data.

[@marconrustNL]

First, sell the frickin’ house, forget it and start all over again. Buy an existing house so you know what the costs are going to be. Second, tell wifey that she needs to take care of the kids full time. Period. Your focus is work, her focus are the kids. That may be old fashioned, but if she doesn’t work….. You can’t do both mate. And for the long term, tell her to learn the Norwegian language and to get a job so eventually you may be able to afford a more luxury house. I’ve been following you since the early days of your channel and I love you, but now you have to fix your shiiiiit. Asking for a loan to pay off another loan is not going to help you. I’ve seen people and companies go bankrupt on that so you need to make structural changes. That starts with accepting you made a (budgeting) mistake. Don’t try to defend your mistakes (‘we need this pool’) because that would be an insult to your viewers. They (or most of them 😅) are smarter than you might think.

[@norboost]

Child care is really cheap in Norway. Full time child care is €263/month and will be reduced to €175/month in august. You get 30% discount for the 2. child and 100% discount for the 3. child and upwards. If wifey is not working she needs to. Literally any job will bring in way more money than staying home with the kids.

[@marconrustNL]

@@norboost Well, maybe they want to be with the kids fulltime. That’s what we did, 22 years ago (and now both back to work again). But we didn’t have a mansion like that and I had some money in the bank after selling my company. But I would agree, kids don’t suffer from going to child care and if the money is in the need then both having a job may be a better option.

[@eddiehaug]

​@@marconrustNL- Just for context, exceptionally few people would be able to live like that in Norway with just one income. For this reason, the vast majority of women work and help support the family. Kids are well taken care of by child care at a low price, so everyone can work.

[@DimaStohr]

You nailed!

[@themodfather9382]

@@norboost He has absolutely no power to tell her what to do

[@avatarnordic2010]

Thanks for your wonderful work!

[@allannielsen1546]

This is sad. Sell the house - get your dignity back- and focus on your core strenghts: The EV reviews.

[@roadrunner222]

Wow I have been impressed by all this guy does. Well done videos! But how could he be so naive about house costs…just stupid! Lend out money to this guy is like lightning a fire with money…….Björn I hope you get the money but please get real and shape up!

[@montellavvv]

Thanks for all the reviews, Bjorn!

[@ingoweratschnig2201]

I bought an Ioniq years ago because of you and I love EVs now. Thx

[@albi1977]

I can feel you. Having a child and being selfemployed is not easy! My business plummeted to around 50%, but it is now recovering slowly as my girl grows up. We wanted to have a house too, here in Switzerland (way too expensive), but my gut feelings said to me, do not try to do everything at the same time. Now we have postponed the house at least for 5-6 years and we will see what happens then, the money is in stocks, so we keep waiting. But that frees up time for my toddler. Nevertheless your situation seems quite bad now and I wish you and your family all the best, that you can keep the house and get back to a prosperous financial situation!

[@bjornnyland]

Thank you. You are one of the few people who understand the full story.

[@albi1977]

@@bjornnyland actually my toddler girl is only a few months older than Isabelle. So, we still have our struggles to keep the work life balance right. But as far as I can see, you are doing everything you can! That is what counts. Let the haters hate. In Germany there is a Car KZbinr that has the same followers like you. But he yells at his followers that comment. Even if the comments are in a good manner. He does not like critics at all, and he is above everything. In the end a lot of people think he is an arrogant asshole. Don’t let that happen to you. Keep calm and smiling :)