Couple Almost Homeless From Mortgage - Til Debt Do Us Part - Mortgage Meltdown

[@fittomakeup9890]

Mam, you were supposed to dump him and keep the job 😂

[@Neeyluj]

That is soo effin true!! Baby in a Mens body.

[@nancysmith2874]

Why doesn’t she have a job

[@josephlabranche4889]

​@nancysmith2874 her reason is it's to stress full, no job I would think would be more stress

[@jnolasco24]

She literally got another job at the end of the video. This show was only supposed to take place for 1 month, with a follow up after 6 weeks. It’s totally OK to drop a job that you don’t like and find another one within a month and a half. Calm down.

[@JewelBlueIbanez]

@Juann-k5pthis was when jobs were a dime a dozen and workers were scarce, the tfw weren’t taking over the jobs and Tim hortons in Calgary were starting people off at $18/hour to get workers.

[@christinadileonardo8977]

He literally dumped his debt onto her asset and wants her to sell her asset and obsolve him of all his debt. She made mistakes but damn...dude is a user.

[@candicew.1096]

THIS is it right here. THIS.

[@lisamarielund6292]

Big time & I bet she’s not the only women he has scammed into paying off his messes. He’s a leech/sociopath.

[@BangUyen-st33au]

Couldn’t be more correct from you!

[@icalotdonthide2646]

Say it louder for the people in the back!!!

[@benvarela4472]

These TODDLERS are popping up more & more. Shameful

[@Songbird36able]

Your first mistake was letting him move into "YOUR" house. Your 2nd mistake was quitting your job while you're in serious debt.

[@marawashington3280]

The third mistake was committing the first 2 mistakes

[@trexxy9628]

Guuuurl, sell the gym, and get your cardio running from that man-child

[@Whiskey_Jane]

Riiiiight omg! Let's just sell and rent, Um okay! 🤣🏃‍♀️🏃‍♀️

[@somegirl2537]

😭

[@hyzerfl1p]

Both are just as bad

[@aoutsky]

For real!! I was married to a man like this.. I ran when I realized he and his family were going to run my finances into the ground.

[@teresahegerich8835]

Ikr?

[@jamescondotta5396]

This show reminds me that I’m not as stupid as I think I am.

[@mikewhitten5639]

Say it louder for the people in the Back!!!

[@SippenSomeTea]

Isn't that why we are all here

[@millsykooksy4863]

😂😂😂😂

[@hermanrogers1325]

Me too

[@wordman3624]

They're always a first time.

[@jgg204]

The guy's no good with money, and the girl is no good with guys. There, I solved the problem

[@catherinewilke5583]

Yep that’s the summary

[@Neeyluj]

Ahahahahaha that is sooo true! You’re right!

[@potato1084]

@Juann-k5pWhy are you so obsessed with her😂 You’re acting like he’s not responsible

[@allymonte7295]

You did!!

[@LarisaC.]

You merely identified the problem.

[@Andizu1]

So she had everything going for her, a job, her own house and then he comes along and things are in complete ruins? Wow.

[@susansigsworth8730]

@@mirrorimage9224I seen it happen to someone I know , own business, her own house etc then a man comes into her life , she moves him in quick has a baby , finds out he’s in debt up to his eyeballs , crazy

[@susansigsworth8730]

@@mirrorimage9224 I don’t know but it’s sad 😔 really watching successful women with dead beat partners

[@yvonneplant9434]

​@@mirrorimage9224Our culture still tells straight women that they need a man to be whole. No, they don't.

[@Catsmeow90]

​@@susansigsworth8730His expression at the begining said it all he is not invested in her.

[@Richard-or2km]

@@susansigsworth8730 Women have been doing it for generations looking for a sugar daddy to take care of them, so a guy comes along and does something similar what;s the big deal, it takes two to tango.

[@millsykooksy4863]

They were $90,000 in debt rolled that into a new mortgage and then she just randomly quit her job?!?!?! That’s insane

[@kclarke9510]

Should've asked her boss for more hours ..not quit

[@Sarah-eh7bw]

Especially when she could have looked for another while she had one! Like no shame for leaving a shitty stressful job but you gotta get your ducks in line before you blow it lol

[@tvc153]

Yeah you don't just quit your job if you aren't in a super secure position.

[@wyganter]

Not insane, just a typical married woman. “Why should I have to work?!? My husband is just lazy!”

[@Katie-sk9bw]

@@wyganter 😂😂😂 someone’s looking toasty

[@rebeccagreen2310]

4.000 dollars in parking tickets??? WTF. Please don't let these two breed. My God

[@hbarudi]

That is what happens when you park everywhere they charge for parking and not paying for it... Better to use the "lackluster" public transportation in those areas to prevent putting your car in those places even worse if you get towed...

[@reginafisher9919]

Right

[@Shane97]

LOL

[@nohomo4774]

If you put a period after the 4 instead of a comma it looks like you meant just $4 haha

[@laminage]

John F. Kennedy Jr., could only work as a Lawyer in The Public Defender's Office after paying 4000.00 in Parking Fees. He's not as bad as his cousins but Dear God, this is ridiculous. The biggest mistake they made is that they probably didn't go for Pre Marital Counselling. If you don't talk about your Financial Past and then you repeat your mistakes, it will get worse before it gets better.

[@LetsFocusOnChrist]

My parents used to tell the story about when they were first married, their entertainment/date budget was $0.50/week. So, they would get ice creams and walk around the park. I think it’s so sweet. I do that with my spouse occasionally.

[@ryaj2356]

Entertainment budget of .50 today can’t even get you ice cream. Lol

[@allisonmodaff5635]

But the walk is still free!

[@cathyann6835]

Awe, so sweet. Probably some of their best dates.

[@shineyrow9001]

This is the generation to look up to and to aspire to be like.

[@purple7vi0let]

What was that…like 65 years ago?…. Oh my.

[@SC.......]

So he had debt up to his eyeballs, doesn't do taxes, insane amount of parking tickets and she's like... yes he's a catch???

[@rachellebrown9830]

Right!!! I don't see what keeps her with him.

[@SC.......]

@@rachellebrown9830 whatever it is it's not serving her well.

[@rachelels]

Apparently so lol

[@lisaviviano1568]

He’s a user

[@thecur8or]

@@rachellebrown9830sunk cost fallacy

[@s.k.m.8756]

$4000 in parking tickets? Um. HUGE red flag. Totally preventable.

[@zaqwsx2811]

He's got "Slacker" written all over him

[@tangaz5819]

Anyone who thinks outta sight outta mind when it comes to finances (unless they have an infinite amount rolling in indefinitely) is a fool!

[@missrobertson45]

I hope she doesn't sell her house. She was not smart to consolidate his debt along with her own in her mortgage. The reason he's so flippant about the house is because it wasn't his asset to begin with. He used her plain and simple

[@debbielockhart7762]

This is probably from at least 15 years ago. I used to watch this show when it was originally on TV here in Canada. And the house is likely well over $1M now with our stuoid Canadian real estate market.

[@CassVanCat]

Yeah with housing prices, if they sold they may not ever get back in.

[@littlemouse9900]

Girl he was such a bad decision to attach too, he threw all his debt onto her and made her life hell. 😭

[@teresahegerich8835]

"There's no money for recreation "...Dude, you spent enough on that for a while.

[@thegillettefamily]

I agree

[@austenbrit68]

They're not even married. I can't believe she took on his debt! Crazy

[@Prieze868]

Sexually transmitted debt if they're marriage dissolves he will be debt free and she'll have the change

[@kdlofty]

@@destinybabb9862 Said Stevie Wonder. Lol.

[@butterpecanrican_]

Honestly, I would get rid of Pete. He's selfish and childish. If he doesn't change his mindset, they will never get ahead in life. She got that house without him. In comes Pete to destroy everything. Get rid of the guy.

[@jhazemusic]

It takes 2. She chose him. Also she quit her job in the middle of this

[@pippadawg7037]

@@jhazemusic I agree. It does take 2 and it is between them. I can't get over people advising divorce over money problems. These people would never be able to make a marriage work. The promise should mean something. Besides that Pete was the one who figured out how to get out of the 60% deficit in the budget by settling with the IRS and then getting that huge raise.

[@pippadawg7037]

If you marry, put in your vows, "For as long as we both shall love." I knew of a couple who did that. They didn't promise to forsake all others either. It was more like going steady but less of a real commitment.

[@karenturner6597]

I'm sorry, but that man has to GO! She can do bad by herself. He definitely has "no skin in the game". She rolled the majority of HIS debt into her mortgage!! OMG!!

[@drewconway7135]

And you think she’s a prize to be won? She quit her job on a whim because it didn’t make her happy. Boo-fugging-hoo, I say. She is hardly the paragon of responsibility

[@sandysimmer1279]

@@drewconway7135 If you read Karen's comment, she said "she can do bad all by herself".

[@nursingnotes212]

I think this is one of the episodes where Gail managed to get through to both of the husband and the wife.

[@elizabethallen4353]

Are they married? I got a little nervous when she said they wanted her home to be in both their names. WHY??? She has enough financial problems without adding his.

[@kaycure8629]

@@nursingnotes212 Not married. Don't do this crap if not married.

[@genevievegracia9106]

I only made it to 3.5 minutes of this and already I can tell you she needs to ditch this man, and fast! There’s nothing worse than a financially irresponsible spouse

[@jenem9618]

And they aren't even married yet, from what I can tell.

[@jasoncreighton5140]

He is like a child

[@drewconway7135]

You are exactly right. I mean, who would just quit their job without even having another one lined up, then hypocritically nag their spouse about how irresponsible they are? Oh wait, that was her.

[@dboozer4]

​@@drewconway7135 Yup. Well said.

[@amyliss7567]

IDK yet haven't gotten that far

[@nosirrahm]

She’s stressed. Quits job. Well, now you will REALLY know stress.

[@jazminhiggins888]

He’s covering her expenses for a while since she absorbed his debt with her house. 😂

[@brianal7143]

I was thinking of quitting my job...then I watched this video 😂

[@kimmykero2421]

No kidding!!

[@42ayla]

I'm willing to bet she quit because she couldn't handle the stress at work because of ho much the stress at home was weighing her down. You can only handle so much before you snap and it's easier to dump a job than your life.

[@jenem9618]

@@42ayla She needs to dump him, not the job. He'll put her in this situation over and over again.

[@josephbrown9685]

Does anyone else instantly feel better about their own financial situation? I feel kind of guilty thinking of it that way, but it puts my own life into a better perspective.

[@laminage]

I do. I have developed alot of Self Control since Covid. I buy what I need not what I want.

[@melissa9270]

me too, every time i see these video it makes me feel so much better about my situation, and it not that bad like them

[@love2000amglam]

Yes! When I was younger I watched the Prince$$ series and it had me really look at my “successful” peers snd wonder what they had going on behind closed doors. Comparing yourself to others is not good if you don’t know the full story. I stopped feeling behind real quick.

[@laminage]

​@@love2000amglamYou got that right! My Cousins would "brag" about what they have but in reality it's all a show. One loves to live The "Bougie" Life. I try to tell him what a dangerous world it is, but he won't listen. After seeing Paris Is Burning (1987), as well as The Movie Party Monster about Michael Alig, then Paul from Six Degrees Of Separation, as well as Anna Delvey/Sorokin and Andrew Cunanan, I am perfectly happy being a working josephine.

[@Notyourgirl253]

I get a lot of flack from my family for being so “poor.” I have zero debt! My brother and his wife are under so much debt they e almost divorced many times. They have a big home, fancy cars, we’ll dressed at church… I actually have more money than they do.

[@Italian_Mama]

Nope. After my ex husband acted this way and we lost everything and it took me 10 years to dig myself out of that mess. She’s going to regret ignoring his financial issues

[@alladreamwedreamed]

Same girl same :( it took me a little longer than that even. Good riddance to bad rubbish though.

[@fehyndana7725]

And she is not even married! I swear, women have to be smarter when chosing men!

[@trainsandlocomotives]

The reason why I’m not in a rush to get married

[@bobby_digital9493]

Damn did he gamble your life away, a decade to get back to normal?

[@PandoraBear357]

@@bobby_digital9493 7 plus years for your credit to reset basically to zero. Then at least a couple of years to build up a new credit history and decent score.

[@mattwilliams9415]

The little boy was so worried about entertainment money!

[@alleycat616]

Really though! Like dude face reality! Your entertainment is going to be going to the park and watching movies on the internet for a while, get over it!

[@amycaitlyn1120]

How does someone not file/pay taxes for 12 years?? WTF

[@amycaitlyn1120]

@TheMrDudiness Exactly!!

[@rachelels]

It’s crazy n he was 36 so that means he filed taxes up until 24 n then stopped

[@techiescrapper]

Someone hiding from the law.

[@naomiemoore5725]

More people than you might think.

[@bevalexander5897]

Damn! Entertainment! Entertainment! Entertainment! I have never heard anyone complain so much over something so unimportant. Girl, you were better off on your own.

[@lisamarielund6292]

Exactly. Drop cable and get DVD’s out of the library for FREE! Check out books for free and read for entertainment. It’s amazing what you can find in your area to entertain yourselves for free & & start with your local library. My husband and I did this for years when we were paying off student loans. We only went to the movies when a dollar theater opened up near us. We ate all of our meals at home and never went out to dinner. This guy is like a clueless teenager.

[@1313Mockingbirdlaen]

Quitting your job because your finances are stressing you is insane

[@ronibo9]

This dude is a scrooger. Like he's a child. He can't give up nice stuff for a little so they don't lose the house. I hope she left him

[@rc0334]

Someone who avoids paying their bills will also cheat in relationships because they lack integrity, humility and respect for others.

[@taneshabland8686]

That was a bit far fetched lol 😂

[@icalotdonthide2646]

Absolutely true.

[@joanalorenzo6949]

@@taneshabland8686 trust me is not. If a person has no problem cheating themselves, they won't have a problem cheating others.

[@letsgetjackdup9952]

I agree..

[@stj971]

Bingo

[@Zoot_of_Anthrax]

I was married to someone like this. His money was his money, and my money was his money. He would blow wads of cash on silly stuff (namely video games) with 0 regard to paying bills or having food. I was constantly stressed trying to keep our heads above water, doing 100% of house and kids, and being breadwinner. Now almost 15yrs later ex hasnt worked in 5yrs and been sponging off his parents the entire time. His first year of unemployment he spent 500/mth on video games and not a penny of his 500/mth child support. Ive worked my butt off to triple/quadruple my income, saved and scrimped and have large nest egg, 2 paid off cars, and tons of money in reno and legal fees dealing with ex (about 80k each) and still have only 21k left on my mortgage. I wasnt about to let anyone cause me to drown financially and it was all i could think about for a decade was saving every penny to make sure i could take care of my kiddos. Now they are nearly grown ive focused efforts on fixing up house and paying it off.

[@LKauf279]

Same! I did it for 3.5 yrs before I finally figured it out. It took about 2 yrs to re-establish the amazing credit score I had before him

[@kristinesharp6286]

She was doing just fine. She got a mortgage on her own and paid it just fine. The problem was he came in with debt and that got tacked in the mortgage. I don’t know why everyone things she is the irresponsible one.

[@karlabritfeld7104]

What a great lesson your kids are learning. Get a sugar momma to pay the bills. You taught them that

[@Zoot_of_Anthrax]

@@karlabritfeld7104 i dont think making a mistake at 22 vs where i am today in my 40s should be shamed. Ive changed my narrative FOR my kids. So ive taught them quite the opposite, thanks

[@javaskull88]

Watching this to remind me why I don’t want to remarry.

[@sueschoers4974]

Pete’s entertainment should be a second job!

[@channell11]

She needs to get at least one first. He's irresponsible as shit, but they knew from the beginning they'd both have to work.

[@richardt6980]

at the pub obviously

[@cacornhusker2940]

if their Clothing Budget = 0 and they run around naked, then their "Entertainment Budget" can comfortably = 0 too.

[@javaskull88]

I can’t believe how keyed in on entertainment he is. When I was broke I went without cable and checked out videos from the library ($0). I went for walks ($0). Played music and danced ($0). Time for Mr. Entertainment to grow up a bit.

[@cchaffincc]

$4K in traffic issues popped up??? To the left to the left 🎶 with this guy.

[@gooserich3970]

This has to be scripted….ain’t no damn way!

[@ChristineHWilliamsJDMSW]

"What about my entertainment?" That ship sailed a long time ago!

[@ryaj2356]

This guy is a dead beat. She’s needs to break it off with him, get her job back, and break the debts he created off on him and don’t pay any of his deadbeat debts.

[@Emmere]

She’s crazy. He’s benefiting so much from her, and he was quick to say he would break up with her too.

[@angelasepi657]

He would be sleeping on a bench outside without her.

[@scottrogue946]

I love being single. I can’t imagine being with someone and taking on their debt and issues!

[@angelasepi657]

yikes

[@ImVeryBrad]

When I met my wife we didn't have any debt, just both broke haha

[@The-Oneness11]

@@ImVeryBrad lol

[@ImVeryBrad]

That was 14 years ago. Far from broke now

[@eagleeye2300]

I know people who've screened partners financials...And if you were serious about being committed...that would be practical and not insulting--self respect!

[@sx2882]

He has ABSOLUTELY NOTHING TO LOSE!!

[@davidsensing2664]

I don't know what is worse, him running from his prior debts or her quitting her job without having another one...especially given the mess they are already in. They deserve each other and the mess they are in.

[@TheCarlinCoop]

Exactly! She’s not off the hook by quitting her job because she was “unhappy”

[@tiaratauaese6197]

Once again "just because we go together does NOT mean I want to be homeless with you"

[@carojames6776]

Share the roof but not the clouds.

[@danieldaniels7571]

Homeless couples are so cute, though

[@CA2SD]

I know how she can get rid of both her stress & debt...dump him! I wish we had an update on them. I love watching these shows to keep me grounded and learn something new. I miss this show. It would be such a great time to bring this show back with GAIL!

[@deliarodriquez7129]

I always wanted to see a update who s made it who divorced i would love a update maybe if we cry loud enough maybe they will hear us.

[@bovnycccoperalover3579]

He gets his debt paid if they sell a house he has no financial or emotional investment in. She's right - if they sell the house, he will run up the debt again. I don't trust him. However, she should never have quit her job.

[@cathtf7957]

Now he is part owner of her house. Not good. Could be scumbaggery.

[@javaskull88]

If she dumped him now, the debt is still hers. Well, theirs, but he never pays his debt so it’s hers.

[@bovnycccoperalover3579]

Was his name on the mortgage.

[@onesilike9838]

What a winner Pete is. She should have run before he moved in.

[@succulents6137]

That guy is bad news. Crook? Scammer? Of course he wants " to own a house together " so he can take half your assets he didnt work for. He's going to ruin her life. Also who has cable when they are 120k in debt!!!???

[@fehyndana7725]

Right! I cringed so hard!🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

[@rollingacresfarmstead206]

I dont have cable and have zero debt minus the house

[@mandyschmidt206]

@Obsidian doesn't change that he's a man child

[@annaelisavettavonnedozza9607]

He had SOME tax issues & 4k IN PARKING TICKETS???? Run, girl. Run.

[@nancysmith2874]

I’m deep in debt so I quit my job

[@gooserich3970]

Righttttttt

[@ImVeryBrad]

But it was too stressful........

[@lauraadaly]

I was waiting for her to say, I can't handle the job and my seventeen children... What a disaster!

[@johncoll4456]

Makes sense to me???

[@stumack9755]

Bankruptcy is her goal.

[@crystaldon4995]

Put the beer down dude drink water it's free.

[@LisaApril]

This guy hasn’t paid his taxes in 12 years! Why does he think he gets to tilt the budget so that they have room for entertainment? Shouldn’t he be working on his taxes during the weekends? Why would she marry someone who wasn’t paying their taxes and hadn’t in a long time?

[@blaakcoffee]

My thoughts exactly. However, he may have hid that information.

[@laminage]

Marvin Gaye did the same thing (1939-1984) and Uncle Sam gave him a kick @ss lesson. They took away his Hollywood Hills Home and then his Recording Studio and his Song Catalogue which meant he didn't get paid in terms of Songwriting royalties. He asked Smokey Robinson for a $5000.00 and he was refused. Even though his Family got Money from The Blurred Lines/Got To Give It Up Debacle, it was a blessing because when he died he owed Nine Million to the IRS. As for The Tax Issue, folks are very evasive. I've known folks who didn't do their Taxes and when they don't get a GST or HST Check they get "angry".

[@Landis_Grant]

@@laminage You’re in Canada.

[@laminage]

Could he go to Jail for that. In America 🇺🇸 they might have arrested 😳 him.

[@laminage]

@@Landis_Grant Yes how 🤔 did you know?

[@noah_am_i]

He wants entertainment, unpaid tickets, taxes left undone, she enables his behavior, quit her job, they buy junk consumer products… sheesh. And they grown folk in their 30’s? Lol get it together

[@juditharsenault2131]

The introduction reminds me of The Nanny. They're 2 children in adult bodies. Children need instant gratification like these two. I'm glad they saw the light.

[@lauraw9657]

Take your sacred weekends and break a sweat getting your house in order.

[@sparkdorable]

🤣

[@nathanleeshaw7092]

Gail is a superstar. Tells them exactly what they need to hear without any sugar coating or cushioning the truth!

[@slgoad]

WOW, Shannon needs to cut loose and drop Pete, the leech. It seemed like Gail focused only on Shannon to fix things while Pete's sneaky activity was not hardly spoken about. Poor thing has not entertainment or go to a restaurant. UGH!

[@mistiinseattle]

$340k mortgage making $78k a year!! And then she quits her job!! Insanity.

[@aeromedical6776]

My wife and I make nearly $180K a year and have $168K left on our mortgage. That is our only debt and I want it gone ASAP. Our plan is to have the house paid off in the next 4 years. I can’t imagine being in their situation.

[@LOUBAT1]

This girl has been unwise, signing half her house over to someone irresponsible to whom she is not married. And all he’s worried about is his entertainment.

[@ramolitaflores9661]

This woman took on the responsibility of another adult. I'm mind blown that she decided to shoulder all his debt & risk her one huge asset, her house this guy is an anchor & he's bringing her down to the bottom. Of course he's eagerly trying to sell the house it'll get rid of all HIS debt.

[@laminage]

Man you said it so right! It was so bonechilling.

[@frostypaws14]

If they sell their house like he wants in order to pay their debts and free up money, he'll spend it all away until they're back into same position they're in right now minus any fixed asset at all. If it's liquid or at all in his control, he'll spend it. The only reason they haven't sold the house is because she'd have to agree. I'm terrified for her considering his attitude towards money. He will continue to bring her down with him.

[@nob5710]

Exactly. Its not changing the behavior. They will be right back in the same position.

[@millsykooksy4863]

She’s irresponsible too though, Who randomly quit their job when they’re struggling so much financially that’s crazy

[@joyaustin6581]

I wonder what the house is worth now

[@bovnycccoperalover3579]

A lot if they were able to hang into it.

[@ultratestosterone2983]

How much equity is in the house? The mortgage increased to 340K lol

[@suen5006]

Once upon a time not so long ago we were so poor that our entertainment for the week was to go to Starbucks and share a cup of coffee, or have dinner out at the Costco snack bar!

[@quit2quilt525]

If Pete wanted to live in a house they owned together, then Pete should have gone out and found a house that they could buy together! Not move into her house! What type of man does that?!

[@BrokeDadProductions]

No wonder she is overwhelmed, he is lazy and seems useless. She was not smart for NOT making him work out his own debt before adding him to her real estate ownership.

[@heatherbrooks1979]

This guy has more red flags than Moscow in 1945.

[@isabellavalencia8026]

What kind of idiot pays a company $10,000 to be part of it and then has to keep buying things oh my these people are complete fools

[@fastxsam]

This couple is the definition of living above your means. Without finishing this video they will be in debt again and again. Chapter 11 while they can and start over

[@paulinesmith1168]

She needs to ditch that jigalo before she ends up homeless. He was smiling when talked about his debts!

[@ruthirwin8222]

Sure he was. His debt is now hers.

[@kenyonbissett3512]

I am so empathic toward her. My ex killed our marriage with his 2 year old tantrums about his needs (really wants). When he didn’t get his way he got drunk until he got what he wanted. Unfortunately, he was a mean drunk. Life is so peaceful with him gone. After about 3-4 yrs on his own and nearly losing everything because of his tantrum behaviors, he stopped and is sober and doing well physically, financially and career wise.

[@243wayne1]

Believe me, he's happier without you as well... A LOT happier. Lol!

[@nancysmith2874]

Most people aren’t happy at their job

[@debbieframpton3857]

But when you're in debt like they are you stay till you find another job

[@613miami]

A job is a job. You are meant to work, and each month you will receive payment for the work done. If you happen to enjoy your job, that is an immense bonus.

[@letsgetjackdup9952]

This is why it is important to discuss finances before moving in. You need to know where they are at in their finances.. debts, savings, investments etc.. dont be stupid with your money. This is your life. You and your partner should always be on the same page!

[@ChristineHWilliamsJDMSW]

"Some things started to pop up" = Here are the old debts I'm running away from. This guy is a user.

[@LittleMiss875]

She needs to leave him alone and stay far far far away from him.

[@chubbybunny6975]

How did he have $4,000 in parking tickets and not get arrested yet??? If you don't pay they eventually come grab you for jail time

[@droid2D2C3P0]

No they don't

[@laurachase3128]

Depends on where you live. Some areas revoke your drivers license.

[@SorrensSorrow]

Its Canada we just send nagging letters lol

[@janebaker4912]

I noticed that too!

[@nunyabeeswax1691]

Canada

[@jay-alldayy]

Why did she consolidate HIS debt into HER house when they aren’t even married? And put his name on her house knowing he’s bad with money?! WTF! And she’s 37 and he’s 36, not married. No plan for kids? I mean what’s the point of them being together?

[@bumblebee4280]

To clear his debt.

[@loosingit9355]

She said she needed help to refinance the mortgage and him being on it allowed her to refinance

[@SuzanneU]

Kids are not the be all and end all of a relationship!

[@eb9844]

@@loosingit9355 she could have claimed that she had a “tenant” and the rent payment would have been added as part of her income. She could then also deduct home expenses when preparing her taxes. In this case she wouldn’t have to add his name to the mortgage.

[@loosingit9355]

@@eb9844 the rent might not have been enough of an income boost and it could well have been a change in her credit score which that wouldn't have helped.

[@kentsablowski7035]

There are thousands of people who are in the same boat and / the family is in turmoil due to irresponsible management of finances..thanks for all your assistance in helping people with the truth about this..

[@PaulaPatioOfficial]

I work for myself and rely on no one. When I bought my humble condo, I was "approved" for a pretty penny. Rather than look for homes in the "pretty penny" price range, I was determined to go LOW (just in case a client didn't pay, a family member got ill, etc). Got a great 30 year loan and paid it off 7 years a head of time by paying weekly on the principal. It would have been paid off sooner but, the bank wanted to charge me a ridiculous fee (over 1K) for "set-up". I don't purchase ANYTHING with credit and the hardest word for me to incorporate into my vocabulary was: No! Meanwhile ... all of my friends are up to their eyeballs in debt and they can't even retire. IMO, people have been watching way too many reality TV shows in addition to trying to "keep up" with the Jones'. Less is best and I feel bad for the younger generation ...

[@NCTBodyLotion]

He said "It's an open concept so we can cook." Correction: It's an open concept so SHE can cook, its HER house. Why did she do this? There are suckers born everyday. Hustling backwards

[@asrano88]

I'm surprised she was even able to buy a house for 300k on a 39k income.

[@J_WheelerDoll30]

They’re white. Not even being prejudice but it’s true. Hubby and I are interracial married couple. I’m brown and he’s white. I have a 712 credit score, always been higher than him. When we started searching for a home back in 2015, I didn’t select my race on the application. Cool.. but when they needed identification, things changed. Suddenly I needed to pay my new car off my completely, only had it then at 5 months and pay only 375 monthly. That’s our only debt. Our DTI IS UNDER 28 percent, we make at least 102,999 together annually. So what’s up with that? I have an associate who have a credit score of 600, DTI ROUGHLY 40 percent, new BMW note 1000 a month, no down payment, she makes about 28,000 annually.. she got approved for a 400,000 home no contingencies on underwriting. She’s white, husband is too. He’s a contractor and makes way less than my husband.

[@cjhoward409]

@@J_WheelerDoll30 Not always true. I’m white, but my good friend is black, from Tanzania. She bought a brand new car $35,000 on a $25,000 yearly income. Got a superb interest rate too. Although I told her at the time, it was too much car for her income. But the car dealership/bank let her have that loan. She’s since sold that car and bought something cheaper, allowing her to buy a home, also on a great interest rate. She’s single and black 🤷🏼‍♀️

[@J_WheelerDoll30]

@@cjhoward409 I didn’t say it was always true. My experiences and background compared to my non brown associates, 90 percent of the would get approved for more things and didn’t have to supply much information when needing a loan etc. I work very hard, balance my credit utilization and money pretty well. My husband is only lower than me because he doesn’t believe in credit cards, he’s makes very well in his career, payed off his student loan debt within the first two years of us dating. We’ve been married for 5 years now (together for almost 12) and have no debt but our 2021 Corolla. I like luxury but my husband keeps me in check far as reminding me of our limits.. when it comes to cars etc. I thank him so much for being financially literate and frugal. I also believe in the location of where you live. The demographics here are totally different. The Caucasians here are almost the minority now. They’re more migrants/immigrants from Mexico and Puerto Rico living here now. People call it little Mexico now 😅

[@spf-92.5]

I'm sorry but this is simply not true... I'm on my third home now and I'm a contractor and work for some cash, the amount you qualify for always came down to how much you make and can prove, credit score just had to be above 650 I think. They ALWAYS want you to have 1 or 0 credit cards or lines of credit that is not used up at all, and 1 car payment at most. Fanny Mae and Freddy Mac ALWAYS come up with something. If they see you have plenty of down payment money but your debt to income will be very close they might ask you to pay a card or car off. Every house I've bought required me to pay off my credit card and get rid of any extras and cannot have more then 1 car payment that isn't so much $ it puts your debt to income In a bad spot.

[@1_star_reviews]

@@cjhoward409 She’s not a Descendent of American Slaves. It’s true if you’re Black or Brown but not true for Black Africans that aren’t DOS. If her dad was named Jerome and her mother was named Lashay she’d be screwed. I know this because I’m a Black DOS. I make enough but my given name causes difficulties and my heritage.

[@noah_am_i]

It’s told that “money isn’t everything” but it is the most significant factor in spousal separation. Me personally, I do not want to be too close to anyone who is irresponsible, period! Don’t rub that bad energy off me. Unpaid tickets, undue taxes, quit my job, buy junk/ unnecessary expenses…

[@suebotchie4167]

AMEN!

[@AshleyNicole-ct7gh]

How does someone get away with not filing taxes for 12 years?? I didn’t file city taxes when I moved out at 18 because I didn’t know I had too and got a very scary letter lol. Couldn’t imagine how the IRS would handle federal taxes.

[@droid2D2C3P0]

Well for starters this show is Canadian so it's the CRA not the IRS, different processes

[@Shridra]

the CRA tends to only periodically review taxes on citizens unless they discover you have a history of not filing. They probably hadn't reviewed him in that long and then when they found that he hadn't filed they started garnishing.

[@Landis_Grant]

to not too

[@astrea79]

IRS also has the ability to garnish wages.

[@omeomy33]

The IRS would not wait 12 years to garnish wages. They cleaned out my sister’s entire paycheck one time to prove a point when she missed monthly payments on her back taxes owed! She had not filed taxes for 3 years when they caught up to her. The IRS is terrifying! I assume the other government offices (traffic tickets, government backed student loans) were garnishing his wages. The same sister tried getting away with not paying back student loans and the federal government snatched that back out of her wages. 😅

[@Zero-gh9lp]

I understand her leaving her job, I don't understand leaving it with no other job lined up

[@LKauf279]

Yep! I agree with people in the comments, she was trying to prove a point to her bf. I felt like quitting when my ex backed me into a financial corner too but I stayed strong and kicked him out instead.

[@liveyourbestlife143]

Wow. Pete blows my mind. My family loves our weekends to. But we decided to get out of debt. I waitress on weekends and bring home an extra an extra 800 dollars a month. It's worth the sacrifice now as soon we will be debt free.

[@Landis_Grant]

too not to

[@sparkdorable]

Superb🥰🥰🥰

[@laminage]

God Bless 🙌 you 👀

[@kuanged]

Man, I work my ass off to stay debt free, and I'm terrified of ending up homeless. This guy meanwhile is "out of sight, out of mind". Can't wait for homelessness to straighten him out.

[@Followmybliss777]

I think there’s a healthy area between those two mindsets lol

[@kuanged]

@@Followmybliss777 Mental health is not my main concern when physical survival will soon be an issue for all of us.

[@angelasepi657]

He was depending on his wife to constantly bail him out.

[@omeomy33]

This man will never be homeless. He knows how to tie himself to someone with a home and income. He got her to tie his debts to her primary asset, her house! I get the impression he would couch surf or move in with family members if they lost the house.

[@l-train7876]

He’s a walking liability.

[@kirushraveen8564]

Sometimes people are not perfect. But the fact they both are now on the same page and overcame their challenges together shows they’ve grown as individuals and couples. Not a bad episode. Good for them. Hopefully they did well for themselves.

[@stumack9755]

🤣their a mess today!

[@carriedudley8593]

​@@stumack9755how do you know?

[@kristinrodier2217]

He’s on board to sell and rent. Another way of explaining that is he is fine to lose your house. He’s just fine with her losing her house. Gail needs to take her aside and explain how he killed her equity and he’s coming for everything.

[@nsaids1923]

This is why we bought a modest home in a decent neighborhood. Things happen, and we didn't want to have to struggle or lose our home. Don't let your bills get behind. They knew they had student loans, taxes, tickets. You shouldn't hide it or forget about it. They over spent.

[@jtidema]

Exactly. You can't buy what the bank says you can afford. 30 years ago the bank said we could spend $400, 000. We spend $205,000 and did a ton of work on it ourselves. Paid off the mortgage in seven years, and never got into debt elsewhere.

[@carolinegathercole8473]

Think I would have started with selling all that stuff they are not using in the basement, then all his gym equipment, when you are drowning in debt, all luxuries have to go.

[@angelasepi657]

He doesn't look like he is using the workout equipment anyway.

[@carriedudley8593]

That piano is worth a pretty penny too!

[@vtech920]

I feel like a god when watching these shows. I've learned 10 + years ago about how money management and saving is key to happiness. Having zero debt and not having to worry about paying your next bill is the biggest sigh of relief one can experience. Don't buy things you don't need and spend below your means, and buy used. Those are the things I've followed in life to put me in the financial position I am in now.

[@mlmj1994]

I love these types of reality shows. They used to be on TV all the time.

[@243wayne1]

They still are...

[@mlmj1994]

@@243wayne1 That’s great that are available for viewing where you are at, mine only have the dramatic ones; nothing family friendly.

[@designmotorsports2832]

How do people like this even exist?

[@alladreamwedreamed]

I noticed all the boogie kitchen stuff right away! Special choppers and huge pepper grinder, give me a break! I learned a valuable lesson on kitchen "maker" appliances from The Minimal Mom and thinned out my kitchen with a good yard sale.

[@douglasgriffiths3534]

I noticed those things too---you don't need all that stuff. I have a fridge, stove, microwave, knife set, and mixing bowls. And a service for 4 flatware set. That's all I need since I'm by myself. (Jan Griffiths).

[@Dre2Dee2]

1900 bucks a month for an apartment that was 100 TIMES BETTER than the house! What a DUMP!

[@VVVV-ug1pz]

Lol 😂 He was really worried about having to fun money. He mentioned it 2-3 times 🤣

[@liztoth4324]

Feel sorry for her. She bought the house - he comes along clears his debt through the house. Entertainment seems his constant focus. Hope the good changes last….

[@KNOWLEDGEIsPOWER-t1y]

@@sarahjaynescott545 bit sexist

[@KonohazFinest]

@@sarahjaynescott545 yeah and then in the likely event they get divorced his house becomes her her house 🤷🏻‍♂️

[@sheaforest9309]

Unbelievable. Is she so desperate to hang on to that loser? He's totally ruined her.

[@Michelle_Emm]

I can't believe they painted the house the same hideous colours.😂

[@sneakerfreak2002]

Looks like a greasy horror show inside

[@___melanie]

Imagine how much primer they would have had to buy to cover the red though 😮😂

[@jordandowland7256]

You don’t like the bordello ambiance?

[@Michelle_Emm]

@@jordandowland7256 😂

[@ae4116]

I like red. Have alot of it in my home.

[@ant5281]

Who just quits their job when you're struggling?

[@thevia1976]

There's nothing more I hate than being in debt.

[@aeromedical6776]

That’s a proper attitude and will keep you out of debt. Most people want to be out of debt but lack the discipline to get there. When you’re willing to live with debt, you’ll always be in it.

[@kristinesharp6286]

I was quite frustrated with this show when it aired at the time. For this episode she worked, got a mortgage on her own and was fine for years. I thought they were too hard on her. Basically he had financial deception. Hope they made it out okay.

[@elluck1826]

Am just bless to watch this financial healing program. Thanks

[@astrea79]

Geez the rental is so much nicer than their house that they owned!!! 😂

[@hands-to-work1601]

Not for long when they're in it. It will look like the house soon.

[@mariag5756]

They had a combined income of $78,000 but they want to live way above their means

[@ki2000ki]

Served them right

[@reesercliff]

fyi this episode is super old probably 2009 notice how the TVs in their home are old Tube Tvs back then 78k was pretty decent probably 120k adjusting for inflation today

[@crystaldon4995]

I love this lady she tells it like it is that is what people need!!!!

[@joycef8443]

This guy is in sales…he tells you (Gail) what you need to hear. I doubt he stayed with the plan. He only got motivated when his cash cow quit her job. “sacred weekends”, good God!

[@lisamarielund6292]

In my experience, salespeople are SCUM.

[@amazinglats6020]

From what I understood he was making 93k a year and she was making nothing and maybe minimum wage after getting that job. I think it was very dumb of her to add his debt to her house. However, without him in this scenario she would lose it anyway.

[@EwYoureCringe]

They have a cute cat

[@vanessaescoto3887]

This couple needs to do financial peace university with Dave Ramsey

[@potato1084]

Dave Ramsey kinda sucks now

[@cjhoward409]

@@potato1084 You know, he does. I always liked him… up until about 6-9 months ago. I think he’s out of touch with reality. Telling people to go by a $1,000 cheap car until they can save up for a better one. $1,000 for a car right now ???? Hahahahaha. We have a truck in our driveway that doesn’t run… needs about $1,000 worth of work, but we could sell it now for $3,000 !!! $1,000 now would buy something in the junk yard. $1,000 car, 25 years ago (which is his experience when he was broke) was doable.

[@kay22100]

@@potato1084 Dave Ramsey is great

[@bbb_888]

I prefer Robert Kiyosaki. He has lots of free resources on his YT channel and website. But it's wise to find a financial mentor that works for you.

[@ccb6013]

@MulberryEllie Dave Ramsey is not only out of touch now, but he easily gets emotionally triggered when asked certain questions, even when they come from his supporters. You can't financially advise people in 2022 based off of ideas formed decades ago and be so vehemently opposed to new perspectives, although his general concepts are still helpful for some.

[@marytrujillo8433]

If I'm in debt, I'm not quitting my job without another one in the wings....

[@Dre2Dee2]

She quit her job hoping it would force her man to "step up" NOPE! He's still a loser and now youre REALLY broke