Title makes it sound like she went on a $890k spending spree!! Majority of debt is their house.
@JK202395 жыл бұрын
Exactly. 700k was the home and the investment property. Only 90k was due to spending.
@karin09635 жыл бұрын
Can you say click bait?
@pri.sci.lla.5 жыл бұрын
Thank you for saving me the time of watching this
@karin09635 жыл бұрын
@@pri.sci.lla. you're welcome. 😄
@AccidentalHiker14 жыл бұрын
Bi-polar is hard to manage.
@jahhshvillegas5 жыл бұрын
"its an honor, dave im shaking" dave: -_____-
@VincentW25 жыл бұрын
LOL
@olivevideogames5 жыл бұрын
He is probably thinking the same thing i'd be thinking "I'm just some common sense financial person, not the messiah..."
@MariaJimenez-kk9ge4 жыл бұрын
😂
@RochelletheRealtor5 жыл бұрын
I give him a lot of credit for his compassion toward her.
@RealLifeMoney5 жыл бұрын
The Effortless Naturalista I agree, he’s very wise in his advice
@Uhhlaneuh5 жыл бұрын
RealLife Money - Weekly Financial Videos I think he’s being kinder because she’s suffering from mental issues
@brucew.52924 жыл бұрын
More than I would at first impression
@joshmiller36734 жыл бұрын
He would have gone off if it had been a man... shoot he was more mad at her husband, and SHE'S the one that spent the money!
@buffaloben15golf883 жыл бұрын
@The Effortless Naturalista Well Dave is a rather devout Christian and he knows how to navigate through the emotional factor of finance pretty well. There is a lot of scripture that talks about money such as teithing as he mentioned in this video.
@LalienX5 жыл бұрын
They make $280K a year together and own a lot in assets. They'll be fine.
@patty1091095 жыл бұрын
She didn't say their age or what their networth is; they are probably massively behind on retirement now.
@dexterm12855 жыл бұрын
@@patty109109 Depends even in in 40's they will be ok...if they dont get sidetracked again.
@bryanabrego30515 жыл бұрын
patty109109 they make 280 a year, they’ll be fine. They could easily save 200k a year
@patty1091095 жыл бұрын
@@bryanabrego3051 "They could easily save 200k a year" LOL. This is the same sort of silliness dave says. Depending on which state they're in, after payroll taxes, healthcare premiums, state taxes, federal taxes they'll be lucky if their net is even $200k. What are they going to live on?
@dexterm12855 жыл бұрын
@@bryanabrego3051 No after taxes they are lucky if they have 200k. After mortgage and expenses....more likely id say easy to save $100-125k a year.
@StarxPlayz75 жыл бұрын
im married to a schizophrenic wife and shes still working.i have no choice but to control our expenses.
@craigslistrro7095 жыл бұрын
Bet it makes things interesting.. always a surprise as to who you are married too.
@StarxPlayz75 жыл бұрын
craigslistrr O it is interesting,life is full of surprised.she was diagnosed after we got married.its not easy.but i love her no matter what.
@katv31165 жыл бұрын
Bless you, my mom has the same illness and its not easy
@Rai_Koroshiya5 жыл бұрын
Read the book, "the body keeps the score". Been doing EMDR feedback and neuro feedback therapy for other spectrum disorders myself; recovered from prior schizophrenia episodes and now making further progress on many fronts. But the person has to be in a good place to begin to change... god bless.
@StarxPlayz75 жыл бұрын
Kat V be strong,make sure your mum never miss her medication and surround her self in a loving and safe environment i order to prevent relapse.
@wahhmann1235 жыл бұрын
bipolar is no joke, overspending is one of the most common symptoms, especially when you have manic episode the first time you don't know what hit you and you feel invincible, shes really brave for asking for advice. Mental illness is truly a hard thing to deal with
@tennisbum674 жыл бұрын
Medication will need adjustments throughout her life. Her husband needs to be vigilant and watch out for relapse. They need to put in safeguards so she doesn't overspend.
@black4vcobra3 жыл бұрын
Being bipolar is mostly legit but still an excuse...
@black4vcobra3 жыл бұрын
@@jxgreen1985 like I get that some people are inclined to manic highs and lows more than others but that doesn't mean that people aren't responsible for their own happiness. A person can't just throw in the towel and blame being bipolar for everything. The illness certainly can be managed, treated and if necessary, medication can help.
@turtleanton6539Ай бұрын
Yes🎉🎉🎉
@ChrisInvests5 жыл бұрын
You can "accidentally" fall into the hole but you can't accidentally dig yourself out 😬👎
@TruIyYours5 жыл бұрын
With bipolar disorder, if they are in a manic state, they will just spend money like crazy especially if they are not medicated. Then once they go back into their depressed state again, they feel extremely guilty. I hope everything works ouy for her.
@SIGSEGV13375 жыл бұрын
With bipolar disorder it's like your brain is coming up with a billion ideas at once and you can't actually think too much about them you just do them. So yeah, it is an accident.
@jasonsanders86235 жыл бұрын
faissialoo GREAT POINT 😃👏👍 💯
@ImVeryBrad5 жыл бұрын
you could always win the lottery >.< haha
@kaseycentanni7535 жыл бұрын
she makes a ton of money has two properties so obviously she’s doing so much better than half of the people out there
@basednwhitepilld4 жыл бұрын
She doesn't "have" them if there are mortgages on them.
@MarksTournaments Жыл бұрын
Did you not watch the video?
@Sir_Ken1795 жыл бұрын
The title of the video made it seem worse than the situation actually is. If she gets the needed treatment, goes back to work, the husband keeps an eye on her and they sell their other house they will be 100% debt free in 4-5 years
@trollsymctroll53614 жыл бұрын
Most call it click bait
@TheBeard4114 жыл бұрын
Clickbait is clickbait
@Doors0675 жыл бұрын
Mental illness is no joke, I feel for them. Prayers for sure
@hymnodyhands4 жыл бұрын
The IGNORANCE on this thread of comments is sad but not unexpected... the narcissistic projection and vomiting of personal resentment is sad also. Here you have a woman who is coming publicly to an expert about a shameful thing she did while dealing with illness she didn't know she had -- but now she's getting the treatment and therapy, back at work, and taking the initiative to get things cleaned up. Yes, there is emotional damage, but a journey into responsible recovery is exactly what you are ACTUALLY hearing.
@ministerchristine4 жыл бұрын
Wow she is very wise and humble to admit the problem and willing to get back on track! Well done!!
@linllinas84695 жыл бұрын
For everyone commenting on her spending so much money and blaming her illness, please educate yourself on mental illness, especially bi polar disorder. They go through phases of mania which can come in all sorts and everyones bi polar disease and the urges that come with it, are very different. Dave is trying to help people but she has to keep up with her treatment: therapy, medication, etc and then she has to have an accountability partner (her husband, parents) whoever is there for her.
@hymnodyhands4 жыл бұрын
@Elaine McMurren But it can be a symptom...
@cherrytung5 жыл бұрын
I’d get a mini heart attack if I spent that amount... *minus three zeros*
@clintbeastwood19475 жыл бұрын
Facts sister
@cherrytung5 жыл бұрын
@AlaskanWhiskey haha same! If I had 889K in cash i'd probably put it into real estate :D
@cherrytung5 жыл бұрын
@@clintbeastwood1947 👐
@shachede68285 жыл бұрын
they didn't. click bait title!
@sbrazenor24 жыл бұрын
🤣 That's not even that much.
@DanielIles5 жыл бұрын
I think there may have been steps along the way to recognize this behavior and stop it early... Good for her changing things now!
@TomaGonzalez5 жыл бұрын
Proud of her for being brave enough to call Dave after all that has happened! They can totally get out of debt again because they knows how. Her illness of course has to be addressed seriously and cannot be ignored.
@NoDebtButLove5 жыл бұрын
Mental health is taboo to discuss. Laura is brave.
@wanefelicia87795 жыл бұрын
Taboo? Lots of ppl love talking about it and using it to exploit others 😂🙄 that is why u can find many who have faked such illness ...it is fun to have a sad victim story 😄
@NoDebtButLove5 жыл бұрын
@@wanefelicia8779 sad and true for some😔
@gemsix8764 жыл бұрын
Wane felicia which is why it’s hard to talk about it if you actually DO have a mental illness, nobody takes you seriously because of people like that. There are people who have it and talk about it way too much though, those people are frustrating.
@Simon-oy7kf4 жыл бұрын
Tf you talking about?
@taahdaah38134 жыл бұрын
Why does she keep saying "we"? We didn't spend a fortune, she did.
@thatslamejehl3 жыл бұрын
If most debt is the mortgage- that is a we thing. And that's what it sounds like.
@Killdroid964 жыл бұрын
I feel for people with bipolar disorder. I am diagnosed bipolar 1. It’s hard with finances. Even as a teenager I find myself having trouble controlling my impulse and spending money. I try to do my best with keeping my finances in check especially while going through college. It is a struggle, but will eventually be worth it!
@pimaggot5 жыл бұрын
Her husband needs to do all the finances and she gets a small allowance.
@BlackGirlGreenThumb4 жыл бұрын
sounds like he’s a slender too
@666dynomax4 жыл бұрын
@@BlackGirlGreenThumb lol terrible i was thinking that too
@sarahbyington24404 жыл бұрын
My grandmother was bipolar, my dad had to keep her on a cash allowance and kept her credit card locked up from her. It's sad he had to do that but it was for her interest so she wouldn't go deep in debt. I hope her husband can this lady on the strait and narrow.
@jdstep973 жыл бұрын
@@sarahbyington2440 I agree with what you say. Your dad is a good son.
@stefancoban593 жыл бұрын
It would be for the best. Something similar to Britney's situation but on a smaller scale
@ladypink34735 жыл бұрын
I’m on baby step 2, the other day I had a nightmare that I went to Target (my fav shopping place) I spent $400 and I was freaking out bc my whole budget was thrown off track!!!! Good thing it was just a dream and Target accepts refunds, which is a solution I didn’t think about in my dream. 😭😭 I am so mad at my debts! I could never again!!! I’m so focus, even though I currently have a small shovel it keeps me motivated to think of the end line and the possibility towards the end, specially with this new approach I have at life and finances.
@abdulrahmanmohamed41314 жыл бұрын
Keep going and it will pay off!!
@joslinnick4 жыл бұрын
For anyone claiming this is just a problem related to self-discipline clearly doesn't understand the nature of this psychiatric disorder. My friend's father did something similar (albeit he had a lot less money to blow) when he quit his job suddenly, cashed out his 401k, and spent it all on a fully-equipped Toyota Sequoia that he happily paid full sticker price for. My adopted cousin was diagnosed bipolar at age 10, and he would routinely disappear from my aunt and uncle's house for days on end during manic phases, only to be found by the local police department, not having slept for 72 hours, living behind the local Winn Dixie.
@wadeharris3483 жыл бұрын
If your friends father had bought a luxury car, I would say it was a mid-life crisis or something. But since it's a Toyota Sequoia, I say differently.
@bobmarker68125 жыл бұрын
Did husband not see this and intercept the problem before it blew up to this.
@atarbuck34525 жыл бұрын
Sounds like they did it together..
@bobmarker68125 жыл бұрын
He ignored the behavior, but couldn't avoid the consequences.
@brandep89205 жыл бұрын
bob marker being bipolar myself my husband and I have struggled with this. I can practically guarantee you that if the disorder had that big of impact with their money then their relationship was probably a bigger one hit harder. When I’m in a mixed state on the higher end of manic I start unintentionally scheming these massive plans and my husband will tell me no a hundred times but I can suddenly without realizing it manipulate him into agreeing as if he no longer has a say like a sick sales person. He’s feared that I would leave him or commit suicide if he didn’t just go along. Even though she has the diagnosis the spouse is always in the spinning cycle too.
@bobmarker68125 жыл бұрын
Brizzle Perzzle Exactly my point - he let her manipulate him. Now they're so broke, she can't spend. Does this mean she'll leave him or commit suicide. The problem has to be addressed either before or after they're broke. Better to address it before.
@oneeyedman995 жыл бұрын
@@brandep8920 I was going to say she probably calls him controlling/bullying, but it sounds like you probably do that as a warmup, yowza. Best of luck in getting better.
@digitalbrand55105 жыл бұрын
My brother does this spending and more, like confronting people about how they park their car or smoking.
@digitalbrand55105 жыл бұрын
I didn’t diagnose him or dispense meds to him or encourage him to drink hard liquor with his meds. Common with this behavioral (not scientific/chemical) diagnosis is reckless spending and overall bad decisions. It’s even more problematic when he gets arrested and jailed by the police for these extreme behaviors (in addition to bail and lawyers, also fines/court costs)! Plus, his third marriage is breaking him and he’s become a poor man as a result.
@mriphone10005 жыл бұрын
A fool and thier money are soon parted. Just because someone makes more money doesn't mean they'll spend it wisely.
@dogguy86035 жыл бұрын
Difference between being a fool and a mental illness
@Ant04175 жыл бұрын
dog guy Oh stop. Excuses excuses. Mental illness is always the most convenient excuse for everything.
@patty1091095 жыл бұрын
@@Ant0417 Yeah it is a convenient excuse if somebody is actually mentally ill.
@pistachiosandpopcorn71465 жыл бұрын
I absolutely have mental illness but with me with age came some snapping out of it. I still have it but I have to remind myself not to let it get me. I think that all this excuse for mental illness actually hurts some people. Now this lady sounds completely sane to me but I don't know how she is when she is having her episodes. But I do feel this lady shouldn't get told over and over (with how sane she sounds here anyway) that her mental illness is something she can't help. When you start telling people they can't help something..they tend to do it more.
@Evelyn-pl3we4 жыл бұрын
@@Ant0417 Oh God. Please do some research on all the peer-reviewed articles regarding mania and the biological components before making these types of comments. I DO think her husband, as well as her, should have been paying attention to her increase in manic symptoms but that does not mean they are an excuse.
@Ali-ws6mu4 жыл бұрын
People are crazy. If i made 280k a year I would be a millionaire in 5 years with a paid off house.
@haleytruslow72004 жыл бұрын
Right? I make $40k and I’m doing well.. if I made $280k I’d be a queen
@SensSword5 жыл бұрын
I'm bipolar too. Spending that amount of money and blaming it on your illness is a cop-out. There were many, many bad decisions that lead up to the situation. She lacks discipline. Her illness only makes it even more important to be an adult. Her illness isn't holding her back. Her ego is.
@NicE-jq3wv5 жыл бұрын
timmd909 I don’t have bipolar...while it isn’t an excuse, it is a condition that can make responsibility harder for her than the average person at certain periods. That can’t be discounted. It sounds like she recognizes it and now and is taking responsibility for it.
@ariefraiser1405 жыл бұрын
@NurturingTalents What's your point? We're not talking about low IQ here we're talking about bipolar disorder. If your commenting it should be either to offer advice to help someone or offer support. Snide remarks does nothing for anyone. Not even the commentor.
@arthrodea5 жыл бұрын
Bipolar disease can range from more mild, and easily controlled with medications, to very severe. Just because you are able to control your condition doesn’t mean that others are able to as easily or effectively.
@SensSword5 жыл бұрын
@NurturingTalents correct. If one has a condition that makes life harder, it's on that individual to get stronger. We all have a cross to bear.
@ariefraiser1405 жыл бұрын
@NurturingTalents You appear to be someone who has never dealt with people with mental issues if you believe it's merely a choice. It's an every day struggle to remain on the right path. If it was simply a "choice" as you wrongly believe then why do people with mental issues need medication, mental health professionals, and reinforcement from friends and family to lead a normal functional life?
@adambouchater805 жыл бұрын
Use to make $280k, have HELOC, 401k loan , credit cards etc... I wonder if they are living like they are billionaires. Poor husband 😢
@rustynails87564 жыл бұрын
I love how Dave can see the total picture and advise accordingly. It would be so easy to simply agree with this woman and say yep you messed up its all on you. Instead he correctly points out her husband has some accountability and how together they can avoid this financial tragefy from being repeated. Wish I could see things in such a balanced way
@allforjak80744 жыл бұрын
I truly can not imagine a $500k house!!!! What happens when someone losses their job for good!! I will be happy in my little house, thanks
@pattibiley43834 жыл бұрын
Amen to that!
@gurindersingh58524 жыл бұрын
It's called having high income. My parents live in a 2 million dollar house, but they bought it for 1 million.
@jellybeans92834 жыл бұрын
This is why I REFUSE to date anyone with bipolar, depression, Anxiety, schizophrenia etc. Anyone that's no mentally healthy gets swiped by me. Sorry, but I have to do what's in my best interest. 🤷🏾♀️ Hate me all you want, but this is non negotiable for me❌
@nararabbit13 жыл бұрын
I know some people will hate you for it but I have bipolar and understand. I refused to date anyone who drank or used drugs recreationally, even if they seemed to have it together. I didn’t want the stress of what MIGHT happen in the future.
@yazeedgh38123 жыл бұрын
I used to listen to dave to learn and now I listen for entertainment lol
@adambouchater805 жыл бұрын
They can come back on truck without selling the rental property. With $280k income.
@Natalia-oj6mm4 жыл бұрын
Dave is low key a therapist.
@pawsnotclaws27725 жыл бұрын
Why are high income earners so bad with money
@dexterm12855 жыл бұрын
Its easy to be bad with money when you have alot of it coming in so many dont think about it I guess.
@Archer3354 жыл бұрын
I don’t care how much money she has. Not being able to control YOURSELF is sad and must be very difficult. She sounds like a really nice person. I hope that she’ll come through it doing well.
@kujjjooo5 жыл бұрын
Software consultant huh 🤔 got to check it out.
@Nononowhoawhoawhoa5 жыл бұрын
Electronic medical records...find yourself an in at your local hospital
@mle0115 жыл бұрын
She might be a Salesforce consultant
@WorldOfMellie5 жыл бұрын
Question: what’s to stop her doing this again? Don’t worry about it Dave’s got it.
@CatLady1105 жыл бұрын
World Of Mellie being medicated properly to treat the manic episodes
@WorldOfMellie5 жыл бұрын
@@CatLady110 Honestly her husband will need to be alert and stick with her as I've met bipolar people who have convinced themselves they no longer need their meds or the meds make them feel worst. Wishing her the best though.
@Mf7d895 жыл бұрын
Maybe stricter limits and shorter budget on accounts
@briannacollie27425 жыл бұрын
Oh my gosh.......I'll be praying for you. I can't imagine the guilt she feels
@percyastronautstatus.87804 жыл бұрын
Ur cute
@NickPeitsch5 жыл бұрын
How did her husband not help prevent this? Hard to blame is solely on her disorder...
@joslinnick4 жыл бұрын
My mom had a lot of problems, and my dad was just checked out the whole time. He didn't want to have to acknowledge or do anything about it.
@hmrobert70164 жыл бұрын
Thelondonbadger Thanks for the stereotypes and broad assumptions
@hymnodyhands4 жыл бұрын
He could not prevent her disorder, and it is not that easy to get a grip on the symptoms in someone else.
@nextari4 жыл бұрын
Why is the question of the house possibly being a valuable income earning property not assessed once it's determined they have huge income? It's very costly to buy/sell a home, lots of equity lost in that deal.
@Ddoglatin5 жыл бұрын
The title scared me but they make and live like kings
@elmagnificodep5 жыл бұрын
She should double down and reduce the cost of her current residence. Her mortgage seems a little high. How much did she originally take out? My wife and I took out roughly $165,000 and $103,000 and we make $120,000 a year. The $103,000 is on a rental property we own. We make about $500 a month on it.
@kutie2165 жыл бұрын
They live in Washington where houses are very expensive!
@elmagnificodep5 жыл бұрын
Kim D It depends on where in Washington. Are they in Seattle or a small town. You can find expensive and cheap houses anywhere. They can obviously get houses for $400,000 or possibly less.
@Wall2000x3 жыл бұрын
She really doesn't listen, it wasn't "we" it sounds like "she" did it all herself. Hope she stays married and is on her meds.
@peekinghills24505 жыл бұрын
"280k household income" It doesn't seem as bad as the title makes it seem 😆 They can get out of this
@NicE-jq3wv5 жыл бұрын
peekinghills Not if they live in California. The taxes will eat a whole lot of that up.
@Somuchcooleronline14 жыл бұрын
You should have a talk with whoever keeps making these clickbait titles, Dave. They make you look bad.
@shachede68285 жыл бұрын
they have zero problem. click bait
@PassportBrosBusinessClass5 жыл бұрын
I am $22 trillion in debt and my kids are $1.5 trillion in student loan debt. Please help.
@One-Crazy-Cat4 жыл бұрын
Hello USA my advice is to keep spending in deficit into perpetuity then print more money to increase the volume but devalues all the labor of your people by making each dollar in their pocket worth less and less. Have a bunch candidates blow hot air about it but continue on the spend spend spend train! Way to be. Long as you stay the worlds reserve currency and can sell worthless paper wealth you’re a ok. lol.
@NomastiAfricanWarlord4 жыл бұрын
Have the whole country on beans and rice. Everybody sells their car.
@ianmowbray32845 жыл бұрын
Did she just say that there on$280.000 ? Who the doctor or lawyer!!!! And her Husband was asleep at the wheel
@imetaboyiusedtoknow83084 ай бұрын
Her husband is not her father, he expects her to walk beside him as an adult. I suspect she will continue her wild ways and not take any responsibility. Hubby should get out now
@uptoyouThailand5 жыл бұрын
After the mania, the depression will ensue. After listening to her even I want to go jump off a cliff. I hope she makes it through this.
@Wildledroses5 жыл бұрын
As a person who's bipolar its like being two different people, with little episodes of clarity in between. Mine is very severe, but its definitely something you can over come and control.
@eckankar77563 жыл бұрын
The depression phase and the regret for the spending (or other risky manic behavior). then the cycle resumes and they are back in mania spending to make up for the period of regret. I wonder truly how many of these callers Dave gets are undiagnosed bipolar.
@SoCalFreelance5 жыл бұрын
Blowing $200K on consumer spending would be amazing, I can only imagine.
@miketheyunggod25343 жыл бұрын
Poor rich people. 🙄.
@iamlsusam4 жыл бұрын
That’s an insult to everyone who has bipolar disorder to blame it on the disorder!!!!
@alicialandry78574 жыл бұрын
iamlsusam not really- chronic overspending is a noted symptom of BPD type 1
@pwners4u3 жыл бұрын
That’s like saying someone over cleaning when they have OCD isn’t because of their mental disorder. She gets manic episodes that she can’t control and becomes highly depressed afterwards. If she wasn’t diagnosed and claimed mania because of bipolar then it would’ve be an insult to them but she is one of them
@turtleanton6539Ай бұрын
@@alicialandry7857indeed😊
@ErrorPagenotFound-ig1cy4 жыл бұрын
Got nobody else to blame, created an alter ego, THEN blamed the alter ego🤦🏻♂️🤦🏻♂️🤦🏻♂️
@hmrobert70164 жыл бұрын
What alter ego? Do you know the first thing about BP, Dr Ganern?
@jordankraemer98763 жыл бұрын
I have Bi Polar disorder and I can totally see making a mistake like this haha
@megantaur36834 жыл бұрын
The good thing about my manic phase is i got OCD with the budgeting after attending to FPU. If I do go back to being an impulsive shopper, my husband is there to restrain me lol
@julieludwig89274 жыл бұрын
Learn to restrain yourself. It's not your husband's responsibility.....it's yours.
@hymnodyhands4 жыл бұрын
@@julieludwig8927 People do sometimes need help and support... one of the things about bipolar is that your mind can take all learning and blow it out of the way. Having backup is important... and the point of being married is sharing responsibility in doing life.
@KnifeCrazzzzy3 жыл бұрын
Ok so what about the people with bi-polar who can’t afford health care?
@dc4me445 жыл бұрын
Good question Dave where was the husband in that situation? She made a mistake but he should have been vigilant and ask questions. Accountability and all that. Doesn't mean he becomes controlling they should just be responsible adults
@catherine3805 жыл бұрын
Cami Exactly. She spent over $200k in credit cards, and he just “wasn’t really paying attention”? Doesn’t sound like a very attentive husband and it seems he wasn’t there for her when she needed him the most. What a shame.
@aquarius94914 жыл бұрын
Why did your bi-polar make you spend instead of save ??????
@Abc-cp6cb4 жыл бұрын
a symptom is risky behavior. This manifests itself in many ways... financial risk is a major one
@aquarius94914 жыл бұрын
@@Abc-cp6cb sounds like an easy excuse
@Abc-cp6cb4 жыл бұрын
@@aquarius9491 I've known people with medically diagnosed bipolar disorder, its crazier than most people think! It can be similar to schizophrenia!
@rositahl5 жыл бұрын
Sounds very doable, they will be fine in no time if they stick to the steps.
@craigslistrro7095 жыл бұрын
Rich people problems...
@bebop5045 жыл бұрын
At least she's reasonable.
@666dynomax4 жыл бұрын
what the heck does it take to be a fpu coordinator???
@colin18184 жыл бұрын
The numbers are big, but as long as they can maintain that income they'll be fine. I didn't hear an equity number on their primary residence, but it's possible that they could downsize house and really clean this up very very fast.
@jaked19024 жыл бұрын
“I just wanted to say that I miss you, and I love you waaahhhhhhhhhhhhhhh”
@patandbrandi5 жыл бұрын
plan 15% for tax (capital gains) on the sale of the rental house
@001SpecialAgent3 жыл бұрын
She's making it out to be a bit worse than it is, probably because of depression due to her illness. Hope for the best of them, but husband probably let this happen because he wasn't that alarmed about it. With us deep into Ramsey stuff we would be, but he was working hard making the right general moves if you know what I mean. But having such major equity on that rental house and being totally on track, they have nothing to worry about
@c103110a5 жыл бұрын
I try to spend as LITTLE as possible each month. Of course, I'm a single white male and don't have to remodel after each HGTV episode. I'm retired at 54 with zero debt. Can I run out and pay cash for the latest electronic gizmo or SUV/Crossover, yes I can. I'm very happy with my life and that's the difference between me and someone who's 200K-300K in debt at my age. Take a hike folks - it's free !
@JewelBlueIbanez5 жыл бұрын
“Go spending like a crazy person”. Ouch. A bit insensitive.
@Bonanzoo4 жыл бұрын
JewelBlueIbanez Yeah, I agree. That was a bit much. She could say the same about Dave. At least she didn’t take the easy way out through bankruptcy.
@inthevault96034 жыл бұрын
Oh lord, calm down, it’s just an expression. Oh, he also said, walking with a limp and I walk with a limp, so should I be offended?! 😜❄️
@astronautfox85474 жыл бұрын
I started spending a ton of money on clothes, takeout, you name it. Ended up with 8k on credit cards after being so close to paying them off. I'm a single mom on one income. Had no clue what was going on and had other symptoms. Finally I was diagnosed with bipolar 2. Emotionally I'm angry. But I'm down to 4k in credit cards, $700 on my 401k loan. Then on to my car loan. I realize my symptoms now and work hard to control it. I get a bump now and then but nothing like it was. I feel for her. It's super tough.
@pinkyTekey3335 жыл бұрын
These comments are why people hide their illnesses.
@NoCatStrangling4 жыл бұрын
Huh. Way too many people hide behind a "mental illness" label when they are just LAZY and WEAK. That woman is just refusing to take responsibility for her actions. Did you hear how she kepts saying, "WE didn't do this, WE dropped the ball"? Uh, NO. YOU ran up those bills, and you didn't do it in your sleep, Yes, her husband should have been keeping better tabs on the finance and put the brakes on her after the first 5K flew out the door. But the whole thing is HER fault--and she isn't admitting it. Dave's 100% wrong on this "oh, the bipolar done made you do it, hun!" mindset of his
@hmrobert70164 жыл бұрын
TheWhisperNotHeard Go get super high on Ritalin (that would be an artificial mania) and try to make rational decisions. That’s her natural, uncontrollable mental state during an episode.
@patwhite81064 жыл бұрын
@@NoCatStrangling you just proved his point. Please educate yourself on this subject
@jasonsaeger4 жыл бұрын
Thewhisperernotheard - right on brother! Go to the 3:50 mark and that explains it all. I wonder if this could make a great excuse in court when you kill somebody, “Your honor, I‘m manic depressive I can’t be held responsible for my actions!”
@hmrobert70164 жыл бұрын
Jason S You’ve never heard of the insanity defence?
@rogerb76625 жыл бұрын
What was an FPU coordinator doing with credit cards? Seems like somebody wasn’t practicing what they were preaching. If all of the credit accounts were closed like they should be to be an FPU Coordinator then it is hard to get in such a large hole.
@cirobarzollini67455 жыл бұрын
sell the house beans and rice, rice and beans sell what's on the drive start selling pizzas
@joshmiller36734 жыл бұрын
They'll be out of consumer debt with a huge rainy day fund within a month. They don't have to do any of that.
@dawnt55874 жыл бұрын
Excuses. Everybody’s got one.
@ramonuy55675 жыл бұрын
Feel good to spend MONEY
@wolfofdubai5 жыл бұрын
This is really a lot of money. Invested in stocks this would be 8,000,000 in 10 years!
@mr.clutch34465 жыл бұрын
Wolf of Dubai Stocks Investing Channel not exactly... good try.
@iliyahristov55655 жыл бұрын
Or it can be 0 $ in 2 years
@NicE-jq3wv5 жыл бұрын
And they only see half of that after taxes.
@jamesl.77255 жыл бұрын
Holy moly.
@craiginzana3 жыл бұрын
I want to hear this same episode with someone that doesn't make $100k+ a year.
@teebone21575 жыл бұрын
imagine if they lived below their means. They would be millionaires in no time. I dont understand how people can earn a great sum and think they have ot have a luxury car and mansion. I know a guy that makes 110k a month and he drives a Kia and lives in a cul de sac. the most expensive thing he owns is a apple watch lol
@JK202395 жыл бұрын
Why apple? He could have settled for a 100 dollar casio...lol
@CountrySingerWannabe5 жыл бұрын
She needs to keep working with her doc, Dave separates mortgage debt for a reason. 890 k in cc and student loans now that’s a dire situation
@YoungMoneyHotSpot4 жыл бұрын
Because a mortgage is secured by the house, so in most cases a sale of the property will wipe out the debt. Same isn’t true for cc and student debt (unsecured)
@mikeekim0070075 жыл бұрын
Sounds like a cop out to me. Husband needs to lock down the books, and give her access to only a small amount.
@wanefelicia87795 жыл бұрын
Exactly
@ret4kind5 жыл бұрын
Or she can just learn self-discipline.
@rebeccashields96265 жыл бұрын
Liliy White bipolar disorder isn’t just “self control.” It’s a real mental illness that cycles between manic and depressive states. Absolutely the husband should control the books and give her an allowance, and she should follow a strict regimen with her meds and counseling. But saying it’s just a matter of self control is silly.
@ret4kind5 жыл бұрын
@@rebeccashields9626 What's silly is a grown adult using "bipolar disorder" as an excuse when she did it because it makes her feel good. And feeling good and self-discipline work in opposite directions. The best thing for him is to divorce her because you can't fix silliness.
@rebeccashields96265 жыл бұрын
Liliy White do you know anyone with “bipolar disorder?” The fact you put it in quotes makes me think you don’t think it’s real. Consider yourself lucky you have the ability to think it’s not real because for the people with it, their families, and the healthcare providers who take care of them it is very real and can be debilitating without treatment.
@tjames23764 жыл бұрын
I feel this caller all the way , I dig myself n jump back in ,dig myself out n jump back in and I know the principals imagine someone who doesn’t make six figures going thru this ,thank you caller I’m woke 💵
@eckankar77563 жыл бұрын
I wonder how many of Dave's callers are undiagnosed bipolar?
@PassportBrosBusinessClass5 жыл бұрын
$280K???
@pants80295 жыл бұрын
I was diagnosed with bipolar disorder in 1992, but I've never used it as an excuse.I paid off my mortgage and all my debt this year.
@1yasin64 жыл бұрын
it isn't the same with everyone. sure you shouldn't use it as an excuse and don't try to work on your behavior. But different people have different symptoms
@hmrobert70164 жыл бұрын
She’s paying off her debt and managing her condition. Where is this “excuse”??
@mangoryder71392 жыл бұрын
I don’t buy this excuse.. my obesity forces me to overeat 🤣
@TheNewburyTribe5 жыл бұрын
Dave I'm debt free but it's hard to stay debt free when I'm having credit cards thrown at me from the bank and I need to take credit out in order to get credit up, to buy my house. Is there any hypnotherapy I can have to take away the craving to spend all the time 😩 it's hard to practise the art of waiting when I can have it Now
@ronwhiteleo33525 жыл бұрын
He can't baby sit this woman 24/7... .sell the house, get back to the fundamentals that are taught in FPU.. .
@journey2zee5 жыл бұрын
Dave’s face in this thumbnail is everything 😂
@pimpballer35 жыл бұрын
Blame your problem on a disorder
@edkennedy79525 жыл бұрын
They have a handle now for all types of stupidity.
@yellowtrain31613 жыл бұрын
You made a lot of money....meaning that someone saw it fit to put you in charge of something worthy of earning a good income. Which, is twisted.......I feel sorry for the people who have had to work under you and or with you, and I can only imagine the damage YOU have caused to others. Seriously makes me SICK!!! I can’t imagine making $280k a year, and I try extremely hard to keep my mind straight while working with pennies!! I don’t feel sorry for this lady or her situation. She is wreck less and dangerous.
@Garthman035 жыл бұрын
Manic episodes can be crazy..
@stevehargis68805 жыл бұрын
He didn't look like it was an honor to speak to her, haha
@dcamnc15 жыл бұрын
Is this a repost? It seems like I heard this one the other day.
@wread19823 жыл бұрын
They should of spent all that money on a small, mid and large cap index fund and a few good blue chip stocks like home depot, Costco, target 🎯
@jeffkline91915 жыл бұрын
Husbands fault. Go figure.
@cutehumor5 жыл бұрын
Click bait
@MoD3RnHD5 жыл бұрын
Where is the eye roll emoji when I need it
@ChubbyBlumpkinz4 жыл бұрын
Misleading title. Thumbs down. Had to do it. Disorder didn’t cause her to spend ~900k.