Hiding 5-FIGURE DEBT from my wife... |

[@shaneboey4261]

Very insightful! When I was 27-28, I was in $78k debt. I’m 29 now and cleared my debt. 😉

[@charmainechin9249]

was it credit card debt?

[@shaneboey4261]

@@charmainechin9249 Hi, yes it was. ☺️

[@fair278]

How did u do that in a span of 2 years?

[@shaneboey4261]

@@fair278Change your lifestyle, and learn new skills like trading or investing for additional income.

[@shaneboey4261]

@@charmainechin9249Yes it was 😢

[@RPB231980]

100% would love to see more content from both of you in general, and on this topic in particular. Grateful to your openness and vulnerability, making these topics safer to talk about openly and in a lovingly honest way.

[@redwings1974]

Never let financial issues break a marriage. Always communicate and support each other. For a couple, best to be transparent and honest. Building a marriage is not a 1 personal task, its a team work. Its how 2 parties come together to make it work and work it out.

[@kylieng4617]

Really really thankful for you sharing this with everyone, I am in my early 20s and recently I open up to my partner that money had been really tight and I feel so stuck and trapped not being able to thrive in life and just surviving. And he came out and talk ABT how he can help and that we are a team moving forward. Now we both try our best to educate ourselves on financial planning and how to stretch that dollar

[@belletan30]

My favorite video is about couple finance because you all are very transparent and insightful. It is important to be financially literate because without it, regardless of how much money we have, it will be spent on unnecessary stuff. Today, I learned about balance transfers as it will help us a that time being. Most importantly, you teach us how much we need to save and not rely on future money like credit cards. Please share more of such video and thank you for always sharing ❤

[@tonytan1662]

Both of you shared things besides being financial healthy, where communications and acceptance plays a big part of it. Its a great sharing and appreciate you guys being brave in bringing this up. Look forward to more sharing and I feel this video very beneficial. Looking forward to more content like this. ^_^

[@nf7694]

as someone who's been happily swiping credit cards for the future me to deal with, this has been a slap in the face for me to wake up. thanks for the very open video.

[@theodorekoh4963]

Rly felt "assured" in the sense that it made me self aware of the "ego spending" part so that both me and my partner can look good on paper, and that Im gradually changing this habit of mine.

[@gerardtx291]

One easy logic in life is to only spend what you have. Having credit card or personal loans aren't exactly bad things, because you will get so much more rewards from credit card usage (such as miles or cashback) plus it actually boost your credit rating if you are paying off your bills (in full). 1. Don't get lure into those PayLater scheme such as interest-free installments (if you do, you have to side aside cash for the monthly repayment) 2. Don't get into credit card debt (Late payment fee and interest would wipe your savings dry) 3. Do a simple cash forecast on your end. Just need a calculator to check what you can actually afford (Bank balance - bill payments = how much you can afford) On the side note, I really love your videos! Nice sharing 😁

[@clementtngbowen4910]

20:51 I don’t think this episode was too long. I could listen tk this all day.

[@KimiLovesYouxoxo]

y’all might never have kids but y’all are my mom and dad ok. thank u I download already!!!

[@JOHNPATCROSS]

AWWWWWWW 🥹 Thank you! 🫶🏻 - Pat

[@chillipadi840]

I agree with both of you. I am in my early 30s with 2 young children. My husband and myself doesn't believe in impressing others. When we got married 6 years ago, everyone did fancy weddings. We both decided we worked hard and save hard. So we decided we want a small wedding, a small church wedding with buffet. That's it. We want a family, so we say get married then means have a baby soon later. We emptied our bank savings on that small wedding without getting parents help and house renovation. We took a small bank loan of 25k, finish paying it within a year and shortly welcome our first kid. Until today, we are still happy to do a small wedding without impressing people. Wedding is a day, marriage a lifetime. So end of the day, no need to impress people one lah haha Today, we continue to save up for retirement and children education.

[@samuelwwr1]

I really benefitted from this episode. This is the kind of content that really flexes who you both are. Thank you for this. You’re both damn fortunate to have found each other. I will now follow this channel cus it’s got more wholesome content!

[@danriickseah4539]

I feel you and I was literally the same shit I was in, took me 10 years to get out of it and yes, my wife already judge me for my poor finance decision when the fact my 300k debt was from other ppl cheating me to invest. Now I am trying to proof my wife again then I am financial literal, I started earning more income, pay down my debt and increase my cashflow. I am a firm believer to earn more than you spend so we don't restrict myself on our needs and wants.

[@janeloh6064]

Great sharing! Thank you for being so open to share about your pitfalls. So happy that you're so willing to be transparent to each other and lived out Luke 16:10. May God use this marriage to bless many more! God bless & blessed Christmas 🤗

[@RaphJonathanTan]

another real talk from a real couple. love this, apart from entertainment, which it also is, but more of something we can benefit from. learned so much about money and finance from u guys today, it is a real thing. money and finance is always going to be a factor in your life and couples i know have multiple ways of dealing with it. thanks for sharing yours.

[@stevenycs79]

Very real incident that I believe a lot of couples encounter. Good to know u guys open up on this conversation at least someone could relate and maybe overcome the same situation. Good contents as always. Totally love the chemistry of u two as always 😊😊

[@melinda9207]

this epsiode is good.. because i never knew alot of singaporeans struggle with this issue.. i am 31 and i got myself into debt as well but i am thankful my siblings .. i fell into the sink hold as well but now i am also learning to save and handle finance better. and sheet is so useful even for singles! the questions really makes you think about what we really need and see where we are financially

[@GerardOng]

Would love to see a part 2 video where you talk about how you split household expenses after marriage and how you handle savings / investments as a couple (e.g joint account or personal account)

[@jasxteo]

I can’t help but see how good Patrina’s skin is!

[@alui5362]

hmm.. oddly thought provoking in the sense that it makes me realise how different we are as human beings. like I completely cannot relate sia. at most is only to relate with ur friend audrey. I never thought of credit card as borrowing money, but just making use of the perks but treating it like a debit card. and always treated debt as slavery - like the intangible burden on ur shoulders is much more than the actual dollar amount - so always die die avoided it like the plague. still trying to figure out where all that comes from (like trying to remember childhood/upbringing) but can't really pin-point anything in particular.

[@marcang4403]

Damn good episode!!! Very real.. very useful.. Such a serious topic but you guys presented it in such a real and reasonable way that we can understand and relate. thank you.

[@viewinglifechannel]

Thanks for sharing about your debt experiences. Personally, I have also gone through a credit card debt of 5 figures so I could relate to how you two were going through it. Please share more financial stories and how both of you work together to plan for your combined expenses. Thanks!

[@cybergod77]

she's certainly a keeper...having gone thru through thick and especially thin w/ u

[@BabyILYttm]

really love hearing you guys talk, it’s so comforting to hear about your lows and how you both stayed with each other through thick and thin, both of you are so mature & humorous that this video didn’t even feel that long 😂 love you guys so much!

[@elaineclaire7063]

Usually most women would leave a man of debt, my brother used to have an ex gf when he was high in debt too but she left him because some guys dont learn their lesson. I think is difficult to open a conversation with the person you love because it can either make or break you, i appreciate this conversation, i appreciate Jon's logic, can you get on woke salary man podcast to educate on financial literacy to entrepreneurs. Pat is so compromising ❤️ and so strategic in helping jon save his life.

[@kingseiryu929]

So how's your brother now

[@WilSketches]

Thank you so much Jon and Pat! Could really really relate to myself with both of you! Even my own r/s dynamics are quite similar! Thank you for sharing all these lessons to strangers like us 😊🙏🏻

[@manoffocusindeed7613]

I was thinking why was the quality so low, then I realised youtube probably hasnt rendered the 1080p... 😆

[@alonso86]

I just appreciate that when you all share, it just feels genuine. Thank you for your sharing

[@Tofuhusky]

part two! very relatable thankful for this

[@mayfoo7258]

You speak so well! More people can learn from you...btw, I too have chosen to be frugal and a good steward of money....my spouse and I often do picnics instead of spending on eating at hawker centres or restaurants

[@mysticery]

Could you do a video on how you both are investing? Like some investing tips. Cos that also a topic some people struggle with. And don't really want to engage a financial advisor.

[@AldoraMuses321]

Thanks so much for sharing John and Pat! I wish I had the financial literacy when I was your age. Now I’m kinda late to the game, but nonetheless I’m on the way to be a good steward of my finances. Look forward to seeing Part 2 of your video love❤

[@damienjombek4207]

It is a common situation for most young people/couples nowadays. We can't really blame anyone or even ourselves because it's the interest rates. Also, it is a rabbit hole. Credit is part of the modern life

[@charmainehor7278]

Good & very real life topic covered here that is addressed in a very matured & open manner. Thank you!

[@eisenw33]

KNS... How do you guys make this content sound so damn real lah... Very inspiring and also redefines for me what intimacy is between husband and wife... (and don't care lah if I'm just naive and 90% of this talk is actually scripted but it really felt very honest and real between the two of you, truly feels like true love).

[@shufangina]

Thank you for sharing your financial journey, I always get some takeaways from your content.. Everyone needs an Audrey at one point in their lives! 💚

[@shum266]

Thank you for sharing this! It takes a lot of courage to be this frank and vulnerable online & it definitely gave me an insight to how scary credit card debts can be. Would it be possible for you both to share a bit more about how finances are split in terms of household expenditure? I'm personally quite apprehensive about sharing finances with another person for day to day expenses & maintaining a household so any advice would be much appreciated 😄

[@keithrandall8556]

This is a great video, thank you for sharing !

[@colorsangell7789]

Thanks for being our internet parents 😍

[@prorenzo]

This is really really informational and useful content, keep it up!

[@ThatsRicky]

Thanks for sharing John and Pat! I definitely learned alot from this video. I hope you guys can share more financial tips in the next part of the video.

[@cathymeow6720]

Appreciate your honest sharing of the financial stuff that u have been through. And well done with the sheet that u have put together;very thot-provoking questions and really detailed. Thank you once again🙏🏻

[@bernicelee3355]

Looking forward to Part 2!! This is really useful content to think and talk about before marriage. 👍🏻

[@ApexAlps]

Thanks for sharing!! Funny how you had a financial adviser then, but ended up with the debt.. guess the fa didn’t do a good job 😅 end up Pat became the adviser and gave you the solution and structuring.. life saver hahah

[@pooiyian]

Pat’s hair is gorgeous!

[@doralto]

I like all the things you guys talked about so far. This one hits close as I'm currently in credit card debt and has used my credit transfer. My current strategy us to keep telling myself, no need to buy, save money, save money. Still trying to pay off previous debt. 😔

[@ning8774]

can't wait for the part 2 on this!

[@frozen82]

Thank you for sharing your experience with us. The younger generation definitely benefits from this. I wish had this advice when I was younger.

[@currypuff4379]

Even though a little late for me. But I'm happy for young couples to gain from this. Definitely useful conversations / information

[@emilyng7224]

I WANT PART 2 PLSSSS. Omg i am saving money for wedding and reno and reno is so damn expensive. Can yall talk a bit about that? I am intending to save 50k and this year i managed to save like at least 30% but it is still daunting cause my house is coming Q4 2024. Also, as I am working towards that 50k goal, it is quite scary to think what is after the 50k cause that would have wiped out my savings.

[@louislimenyu]

Learned alot from yall, turning 24 soon, cant wait to have plan for my future and hopefully sticks with it!

[@joeylim261]

Thank you for sharing🥰need more of financial planning tips🫶🏻

[@kentan8693]

really love this content! look forward to more topics regarding planning for your finances. and how you guys plan for housing loan or car loans etc.

[@markjohn3461]

"...come take my mother furniture"😂😂😂

[@darrenkwok84]

Li Kwa Lah, Li Kwa Lah, probably CashFlo, BNPL options creating pros and cons lah, once you past that stage, maybe you will look at spending behaviors and take a halt

[@acejoker1811]

Thank you for sharing John and pat! Truly amazing and looking forward to more contents from you guys :)

[@BluuKiss]

Thanks for this open sharing! I hope yall aren't financially stretched due to the condo and very lovely renovation now

[@JOHNPATCROSS]

Hello! Welcome! We smart this time. Did a stress test of 5% interest for the mortgage and only bought the house knowing that we can comfortably pay off the mortgage. - Pat

[@brandontng8172]

Thank you for sharing! this is really helpful 🙏

[@khoowanxin6673]

Appreciate the Google doc. It is useful for my fiance and myself!

[@mayshinmon]

Great sharing. Thank you 🙏🏻.

[@hiddengemthe3349]

Thanks so much for sharing ! Really felt that it was really useful . Would love to hear more of it .

[@PosPsycho88]

Love the authenciy and honesty 👍👏👏

[@fyz5250]

love this video! would love to hear your couple investment stories, thanks :)

[@williamwang7783]

great sharing for the youngster! good job guys!

[@danltm]

Great episode. Kudos for being transparent.

[@limjinwei6859]

Benefited a lot part 2!

[@teohyc]

The basics of financial literacy is just not spending more than you can earn, and pay back credit card on time. This is not even a case of having no money to buy food that one is desperate enough to have to use credit card. It's just a case of lack of discipline. 🤦

[@aikaik55]

Thank you for sharing. Looking forward to more

[@testor9]

atleast it was easier for pat. you helped her paved the way ;X

[@renj123]

Smashing that like button so hard.

[@Xxxxxxxxxxcxccc]

part 2!!!

[@jaceeeee33333]

please do more of these (:

[@Jonlai8009]

This is why i dont have credit card too, i dont think i can control myself

[@pamelakoh4660]

Thanks guys for the advice 👍

[@AT-lq6ds]

Use credit card like a debit card and you should be safe

[@picopiku]

I didn't fall into the $500 Credit Card Trap. Probably back in my mind i am fully aware cash is still cash and credit card is some sort like a rubber band. At the end of the day you unstretch the rubber band is still the same length. I pay full everymonth, if i can't pay full means im in trouble already, alarms bells all sound already. My math is bad, so i won't try to venture into creative ideas to meddle with credit cards stunts.

[@jkbackyard8880]

Thank you for sharing 🙏🏻🙏🏻 this is so impt!

[@missonglai]

Inspiring!! New vid pls

[@lubelu]

Thank you for this!

[@20pointer]

thanks for being honest

[@BallsyCollective]

omg so cheeszzeseyyy i kenot. feature audrey pls.

[@lzr1839]

Thank you.

[@junkaifoong8918]

never owe banks! 😅

[@JYTan-cq7qt]

Thanks for sharing!

[@BEN-tz4ok]

The sad thing about people in debts is that they refuse to take a loan to clear off their debts. Not sure is it is because of pride or stupidity.

[@myatthant8797]

What a lovely couple, so beautiful

[@Rouk3]

john hair is on point

[@thrivingthegrind6830]

That means the financial planner don’t know how to fight fire….when he doesn’t even know about balance transfer…😂

[@choypengkong]

Nice… good sharing 👍

[@joyoftessa]

I have never had a credit card and pple think i am stupid cos i am not maximising the good deals. Sorry no thanks

[@melwu7954]

Just have a spilt account so each of you take care of your own bank account

[@damienlee927]

Great sharing!

[@user-dc5sm3hr5x]

Thank you very much for sharing!

[@brther3]

Do you agree that sometimes theres that paradox where you want to enjoy but you want to save money

[@JOHNPATCROSS]

Yes! I’m still shopping a lot but I start with putting money aside when my pay comes. - Pat

[@zandraphua]

thank you for this video

[@melaniekoh]

pls do more 😊😊

[@brain_blood]

How did you guys manage to get a condo so young with no savings?! TEACH US

[@JOHNPATCROSS]

OKAY EVERYBODY MANAGE EXPECTATIONS AH. All these happened more than 5 years ago. Since then, my company has grown, Pat has a better job. We invested and saved heavily, we sold our BTO. This is not that recent k. 😂 - John

[@sek898]

he sold his one of his venture to peter lim son

[@evangelinelim6192]

M)phosis!!! 🤣

[@chensoonteo]

How come you can get credit card when you have no income?

[@JOHNPATCROSS]

It’s the student card. Don’t need income. - Pat