Financial House Of Cards - Til Debt Do Us Part 208 - Foreclosure

Ronald and Vivian were on the verge of calling it quits. Vivian’s gambling at the casino and Ronald’s frequent fleeing to a hotel was driving them into crushing debt. With four children at home, this house of cards was on the verge of collapsing. Then, just days before Gail arrives to help, they get the notice of foreclosure on their house. Can this family be saved?

[@sarahwalters3668]

A lot of people throwing shade in the comment section and that's fair enough, but the thing that stood out in this episode for me was how brilliant Gail was. She went above and beyond for this couple, sending them all the help she could think of. Wonderful creature, I hope they used the help she gave them and sorted out their shit.

[@ruthirwin8222]

Gail is completely amazing, she really cares about the people she works with

[@CaraMarie13]

Gail really put her all into this one. Like the situation was truly dire for them and glad Gail was so invested in helping them move forward.

[@TheLucky17]

They lost weight quick not eating out. Such a big difference from beginning to end. Hope they kept this up..

[@denisebarker9288]

Gail I'm so glad you helped this family. They really needed guidance and the children are so precious.

[@jwoooooooo]

I never cook cause life is hectic. Work home work home.... lol but found the time to spend that much in the casino 🤷

[@lesleydonnelly2622]

I am sympathetic to those who have problems or make mistakes but I don't know how Gail didn't slap that smile off her face. It seems making your kids homeless is amusing

[@MoreMedication]

It might be a sign of their emotional maturity. Kids, especially teens, often do this when confronted as a coping mechanism. These two had kids early and often, and were not equipped to handle it. So they periodically run away to motels and casinos for a break. They really need to grow up for the sake of their children.

[@SloppyxJoe]

some people have nervous smiles. it's literally a physical reaction they can't help. i would be willing to be that's what's going on in this case. my fiancee has the same problem. it's literally not something they can help and has no bearing on whether or not they think the situation is serious.

[@monmixer69]

2500? At a casino? Lord I cried at that, and it ain't even my money!!!

[@shannonobrien9922]

I play the Nickel slots!!!!!! My husband does except he dabbles in the quarter slots as well BUT....I lose and he wins! He usually wins enough (90% of the time) to cover my losses

[@Chrylgirl]

I lost 50 bucks once and I cried, LOL!

[@ayela562]

There were severe addictions with this couple. Most likely more than the gambling addiction too . They didn’t need this show , they needed rehab. There was much more going on.

[@davisholman8149]

They need birth control lessons also.🤔

[@haute03]

@godzillachild Both? Although a pack of condoms isn't inaccessible for these two. Four kids by age 28 when you have a gambling addiction is...intense to say the least.

[@jenem9618]

@godzillachild They made a combined 90k. They had access. 🙄

[@kunya16]

​@@godzillachild9390a couple living in western culture making 90k a year has access to every single birth control option available.

[@crazywomanpress]

I don't understand why have so many kids and you don't want to be home? Sounds like the gaming was just her getting away from the family 😅

[@littleblackcar]

My god these people are childish--they've got four kids but can't function without their own parents and she "doesn't know" why she got fired? They apparently can't cook any real food and act out when they're annoyed with each other. They're not prioritizing *any* of the things they need to prioritize to get their sh*t together.

[@tomjones2157]

How much does Ronald spend every night he runs away to a hotel? At those prices it seems he is not spending it alone.

[@SignedOff402]

😂

[@missmichelleluv]

I wish there was a “where are they now” show

[@asimskentzos9231]

Shit happens in life, this was a good and emotional episode. I have faith in this couple.

[@sharimason2977]

I think Vivian really enjoyed her time with the dietician- i see her as isolated and lonely. The dietician was around her age and a professional- someone to be mentored by

[@cocofluff]

They make 90 thousand dollars a year and live like they earn less than 20,000.00. Damn They are morons. I think most people just need someone to teach them how to handle their finances and they will make better choices. I love this show. Its almost a community service.

[@lacrimosamozart]

I think the same

[@laminage]

You got that right. Did you ever see Frank and Simone. Or Princess with Spencer. Every time I think I am in a rut I watch this show and I know I am on top of Business

[@Iworkwithnitwits]

My thoughts exactly. They make a decent total salary.

[@deborahmeek6529]

Well she was on probationary period which is three months so she had just started making that money and then she lost the job

[@Gitanarosa]

I was loving on credit cards and didn’t understand how interest worked. I didn’t want to. Now I have money left and I believe I have a handle on my finances a lot better. I’ve been paying them off. I love this show. It showed the reality of bad choices.

[@davisholman8149]

I wonder how this turned out 17 years later. I would like to talk to the children today.

[@noireknight3013]

Its still needed today. For every Single Person using money.. All of us basically..

[@Sacheen81]

This is one of my favorite episodes. This couple had their problems, some pretty major ones, but they never complained and were always gracious. And Gail SHONE as always! She genuinely cared for them and it showed.💕

[@dianethompson6804]

Verbal communication seems to be what this couple needed the most!

[@vannisworld]

theres definitely more to this couple than meets the eye. they just moved into a new rental after losing their house, and she gets fired? when you look at him, he looks super angry or just a blank slate just standing there. This is bigger than them. They have children for God sakes!!! Poor kids. No stability or proper examples

[@ladylecter636]

something is very...off with these two

[@SC-hr6hi]

Lots of positives in this video. This couple were really brave and I wish them well!

[@christinebutler7630]

How the heck did they find any landlord willing to give them a rental lease with a foreclosure on their credit report? Wouldn't happen today, they'd be under a bridge.

[@squizzerl1478]

Back then people still had access to housing, even with poor decisions in their past. Today, one poor decision and you're blacklisted from housing. It's despicable.

[@Iworkwithnitwits]

True.

[@margmak6234]

@@squizzerl1478 social housing will not blacklist you if you face homelessness, especially with kids.

[@americandevo]

​@@squizzerl1478As a former landlord I can tell you that people who make "one poor decision" will move into your rental and make not paying the rent their second poor decision. I made a few poor decisions in the past: trying to give people like this a break. I can't begin to tell you the tens of thousands of dollars taking a chance on dead beats like these people cost me. In case you missed it, those people made MANY poor decisions. Repeated trips to casinos, repeat trips to an atm, repeat unplanned pregnancies, repeat stays in hotels when the mortgage isn't paid. Etc.

[@christinebutler7630]

​@@margmak6234what the heck is social housing? You mean like public housing? Oh, well.done, parents, Raise your kids in a violent, crumbling, crime and drug infested slum. They can become gangbangers and end up in prison at 15. Way to go.

[@SocaMusicLova1]

Seems like she has a gambling addiction, his hotel stays are not alone and possibly drugs. I hope they last and are better

[@aussiemouth747]

They both seemed stoned to me.🤔

[@Ndstars1]

Started off so hopeless but they made it, surprisingly. Good job!

[@keithjacobson1640]

Foreclosed before the show starts. Wow. Oh that woman and her neverending smiles. She thinks it is a joke!!

[@justine8387]

No that is a trauma response.

[@pamsmith1665]

Simple minded

[@Kaleidescope66]

She looks high

[@frankenoise]

Ron just looks constantly stoned in this episode!🤦‍♂️

[@Ana-xq3yr]

They both seem mentally delayed. Gale had to pull words out of their mouths. Barely words lol

[@CAGChannel1]

That can also be that look of desperation, of giving up on everything you thought life would look like. I know this “shut down” demeanor well, and it can be a survival tactic when life spirals out of control, and you feel you have no power over said spiral, and everything you “try” to do just backfires because nobody can make helpful choices alone in this “shut off” state. So, seems like he sure needed Gail!! :) Oh gosh, and he lived with his in laws for a long time, jeez!!! I would shut down too just to survive.

[@freedomfrida]

He looks really unsettled and at times ashamed.

[@xkaokdkl11933]

FAS

[@haute03]

I genuinely wonder if he was on some anti-anxiety meds or something.

[@lulu-qw8xy]

A lovely family that I believe had success with picking up what Gail showed them and be able to go up from there.

[@missrobertson45]

This couple, although hopeless in the beginning have faced their challenges head on and earned 5000 which was wonderful to see.

[@debbieframpton3857]

I don't understand how people think gambling will solve the problem especially the fact that the ladies losing the money that could have went towards bills and his hotel spending would have went towards a lot of pay bills this doesn't show any concern for the kids only themselves their lucky they haven't had them taken away.

[@davisholman8149]

That’s what I was thinking - this couple could get their kids taken away if they aren’t careful.

[@samsamcupcakes6476]

Whaaaaaat? You play your future in casinos!!!! Insane!

[@ek2137]

A gambling habit is just as bad if not worse than a drug habit. She may need professional help to stop gambling.

[@emilybrown58]

My husband used to earn half of what they and smoke too.We only have 1 kid though, but we have a roof in our head, clothes, heat, ac, good food, go out to the movie, one car, eat out. And if we go on vacation to see my mom in law in DC hubby worked overtime so no debt when we come back home. It takes discipline and maturity to be a head in the family.

[@BrittM643]

Gail's changes are always simple but sometimes it takes a neutral party coming in and speaking the truth. Hope this family made it.

[@LL-fd7xn]

Even though this was most likely 15+years ago, I hope this family is doing well.

[@noireknight3013]

And its still relevant today

[@beckygroff8698]

Thank you for posting!! Love this show

[@meaganglaser]

Just floored by her saying she doesn't know why she was fired. She sounded sincere, like she genuinely didn't understand. Wonder if it's a case of them telling her and it was in one ear out the other because she's stressed and just didn't really WANT to hear it, or she wasn't able to put together the very big obvious puzzle pieces of "not showing up" + "on probation at new job" = they're going to let her go. She has a real air of being *used* to being helpless, hope she was able to get out of that mindset.

[@colleen_dallas]

"because of the calamity of their lives". Gail cracks me up.

[@scorpionmoon3549]

I'm so fricking angry. She's grinning even though they just became homeless ?!? Your kids are homeless!!! This is insane the level of disconnect 🤯

[@lindarodman5014]

Most of the woman on this series have this same weird grin.

[@selflove428]

The worst couple she kept on smiling

[@stardustdragon1498]

This is why YOU NEVER GAMBLE IN THE FIRST PLACE!

[@itrthho]

$5000...that's going back to the casino.

[@Ana-xq3yr]

Wierd how the wife was smiling when Gail was going through their finances. Not the brightest people.

[@rachelscanlon5805]

Smiling or laughing is an emotional reaction for many people.

[@slf5141]

Most of the couples on this show start laughing when looking at their finances

[@michelecleansup]

Laughing in this way is a subconscious emotional attempt to disconnect from something that just seems way too big. Some of the couples get pushed past that laughing into the tears that are waiting just behind the giggles.

[@kaydublin5164]

They probably were never taught about money and finances, and the importance of savings.

[@jenniferbond7073]

Nervous smiling.

[@leslietrivette91]

The wife looks so much better with auburn hair rather than blonde

[@MissX905]

I guess the hair color was in the budget lol

[@radioserrelind]

@@MissX905 It looks like she box-dyed it back to a shade that would cost her less to maintain, which is definitely a frugal move!

[@annkirshner4468]

Do food prep for 3 hours on Sunday and then you're set for the week

[@Iworkwithnitwits]

Yes, a great idea. It will give her more time during the week to relax with her family.

[@annkirshner4468]

@@Iworkwithnitwits as I am doing right now because I planned and prepped 3 nights of dinner on Sunday night 😁

[@SignedOff402]

Is that guy hooking up in the motel rooms he runs to?

[@jenniferbond7073]

Probably. Something else is going on besides he needs space.

[@americandevo]

I thought the same thing! Most guys sleep on the couch after an argument.

[@Justanotherbozo-onthebus]

Did anyone else catch that she has 4 kids by age 20?!? And they’ve been married for 5 years?!? She’s still a baby. I can’t imagine having to navigate all of that as a teenager. God bless this family.

[@pamsmith1665]

She is 28 and the mother of 4. Couple kids quite young so not before the age of 20

[@Justanotherbozo-onthebus]

@@pamsmith1665 Thank you! I totally misheard :)

[@the.blue.raven7777]

Gail went above and beyond for them

[@janebaker4912]

Why is she proudly smiling in the first money meeting?

[@Zero-gh9lp]

I think that she is covering being nervous and embarrassed. Its hard to be told (publicly) that she/they are being immature and risking their children's futures. They need to hear it, but it is humiliating.

[@mariek.474]

We'd probably all act awkward and weird being filmed for Tv !

[@joygernautm6641]

Husband looks stoned as fuck at the 16 minute mark

[@LS-xq5nf]

He looks like that the entire show… i feel for those kids

[@ellenorbjornsdottir1166]

both of these people need a committeeship

[@MrsEJV]

Do you mean a conservatorship?

[@ruthirwin8222]

What is that??

[@christinebutler7630]

Four kids? Seriously? They don't know what causes that?

[@stephanieoliver8634]

All that kissing 😃 that's how they got more children. I'm glad they still show affection 🥰

[@4862cjc]

He gave his occupation twice: once as his name, then again as his line of work. “I’m owner-operator. I drive a truck for a living.”

[@carolynr9154]

She has four kids and gambles and they lost their house and she got fired. She's also standing there crying for her mommy and her daddy she is despicable! The only person she cares about is herself. I sure hope she's a different person now

[@soniatello4556]

I thought she was addicted but no, she was just trying to call attention in a very painful way from her husband. That's why Gail send the to marriage counseling and didn't send her to gambling recovery. The problem is never the problem, their family dynamics were toxic, the husband hated his in-laws, and he was happier in a rental without them, maybe that's where the problem started, she was not ready to just be with him so he was gone

[@crazywomanpress]

Alot of the time the in-laws can be a major killer of marriages

[@beccacoleman498]

Ronalds credit card slips aren't the only thing in a far away land...can't stand that high as a kite blank stare.

[@Isabella-nh5dm]

Actually I've seen that look before. I dont think it has anything to do with drugs. He's completely shut down and very ashamed.

[@thesparklingunicorn8543]

Grow up act like responsible perants those children are more vauluble than gambaling

[@velissarothefearless5506]

According to an update from Gale they have separated, this was like 15 years ago

[@CAGChannel1]

@@velissarothefearless5506 where is update? Thanks!

[@anytimeelgin8645]

Good Lord! These guys are the worst ones yet. What a train wreck!

[@cpmffeilberg4970]

Why is the wife smiling? It's not funny. I've had to live on $90 per month for years, before that it was $50. Per month. They earn $90000 a year and are in this debt with 4 kids? 😲

[@anniespencer7879]

Don't you ever smile to hide your embarrassment?

[@susanclaire901]

Four children. Smh.

[@jreinel1966]

Huhhhh,20 years old and 4 kids alredy?...hellll noooo...what an ignorant people,bunch of kids and financial problems at 20 years old already?..i don't feel sorry for people like this 2..!

[@Tammy8823]

28, not 20. But, I agree that 4 kids before the age of 30 doesn’t sound like the best decision. And you may not feel sorry for the adults, but it’s always the kids that suffer.

[@ruthirwin8222]

I think he is stoned throughout the whole episode

[@shannonobrien9922]

She 28, I would guess he a Lil older

[@elizabethallen4353]

Their expressions are so flat. Not confident that they are on the right track.

[@TrazimDollare1982]

She’s Gambling her Future away Gambling 🎰

[@myjeanification]

Gambling= financial planning for the math challenged.

[@davisholman8149]

My mom was addicted to slot machines. I just do not get the thrill at all.

[@myjeanification]

@@davisholman8149 my ex husband was a gambler, it was the main cause of our divorce

[@lauriem2053]

It’s an addiction just like many things. They even have Gambler’s Anonymous meetings(like Alcoholic’s Anonymous but for gambling.) I can’t imagine-I go to the casino once a year or once every 2 years-I’ll play $20 and as soon as I win I collect my winnings and stop.

[@HandyAndyFlips]

Lottery tickets = tax on the poor

[@judykane3024]

Great job.

[@jenniferleckey4166]

Spot on, I was thinking the same she is so irresponsible

[@jackiedorman2188]

Bought my husband a boat and truck with my winnings. That was years ago snd im still am trying to stop playing. When u have any addiction you start lying and whatever it tak3s to feed that addiction. Good luck

[@davisholman8149]

Please get help, Jackie.

[@diythirftinganfabricfab4982]

This chicken isn't taking anything seriously she keeps smiling its annoying

[@grannyprepper1181]

He’s pissed and she’s laughing. That’s awful.

[@janebaker4912]

I don't think we're working with such high IQ individuals

[@hollyb6885]

I agree. These parents seem dim witted and /or high.

[@KC-qr3wk]

This is high key racist.

[@janebaker4912]

@@KC-qr3wk why low IQ is in all races

[@MrsEJV]

The way he holds his head tilted back is so odd.

[@janebaker4912]

@@MrsEJV yes. I think breathing and blinking at the same time is a lot for him

[@legzfalloffgirl5148]

Wow this couple has had the crap kicked out of them❤❤

[@kristenahubbard3338]

Well we know they didn’t spend much on birth control.

[@bovnycccoperalover3579]

I hope that they. followed Gail's plan but I have my doubts.

[@ChriaraCass]

So she’s living at home, gets pregnant, gets married, they buy a house but her parents move in & pay the mortgage and look after the children? This woman… never grew up

[@pamsmith1665]

Nobody was paying the mortgage

[@MissX905]

I'm thinking he left her with all the kids after the show. Look at how he was acting at the very end. He wanted out.

[@Isabella-nh5dm]

Can't say I'd blame him. Unfortunately, they both chose to have those children and it's the children that suffer.

[@Green.heron24]

Gambling is a huge addiction and use birth control if u can't afford a stable home for the 4 kids you have. . Also that hubby has a girlfriend that he meets at the hotel.

[@nosegem-health]

This show is better than Ramsey … no offense to the Ramsey show …

[@lenabridges1013]

Can someone tell me why the F this mom is always smiling?

[@SocaMusicLova1]

Probably high

[@legzfalloffgirl5148]

She's embarrassed

[@akc783]

I still don’t understand how some people are smiling, albeit sheepishly, when Gail shows them the numbers.

[@justine8387]

Stress or trauma response

[@eileenacker1964]

Embarrassed reaction.

[@heinuchung8680]

something is wrong in this family. Did they divorce?

[@user-ui1zv8bd4y]

I think the kids are neglected. So why do they still have kids and how in the world does St. Gail not want to slap these 2? Inappropriate weird behavior. Gail really is a saint for keeping on with these 2 scary useless people breeding kids because they can have sex! Sorry Im a nurse gotta tell it like it is.

[@brutustantheiii8477]

@@user-ui1zv8bd4y excellent points. I can’t stand breeders who are this irresponsible

[@lindarodman5014]

Shows how one misfortune snowballs to your whole life.

[@brendasuelong-bryant7613]

What's so funny? Why is Mom laughing?

[@brendasuelong-bryant3855]

Why is she laughing? The bank foreclosed. NOT FUNNY!!!

[@kunya16]

She's got a gambling addiction and he's onciously high. They need more than financial lessons.

[@Spiderlash97]

What does obviously mean, oh great one?

[@shannonobrien9922]

What's "onciously?" I know what UNCONSCIOUSLY means....I don't even think yours is an actual word

[@pamsmith1665]

Huh?

[@shannonobrien9922]

@@kunya16 u didn't answer my question

[@kunya16]

@@shannonobrien9922 dude this is a typo from over a year ago. I don't give a shit about your "question". Grow up.

[@gretalukoseviciute2058]

Incredible

[@SignedOff402]

I only see 3 kids?

[@wufflerdance9481]

pregnant with number 4

[@starrgurl6603]

Look again. There’s 4. 2 boys and 2 girls.

[@christinebutler7630]

Those kids would be better off in foster care. They should live in their vehicles till they get straightened out and can buy another house.

[@heidiherget7071]

I really hope these kids were removed by the courts.

[@sharonfleshman6961]

Those things are really really hard to come back from. Becoming homeless makes it really difficult to keep a job. Getting your kids OUT of fostercare is difficult.. especially if you are homeless.

[@janebaker4912]

Why loose your house? Selling it is better

[@ellenorbjornsdottir1166]

too late

[@hollyb6885]

That would have meant they would need some forethought. I don’t think these two think at all.

[@Spiderlash97]

Dear God, someone please spell lose right

[@pamsmith1665]

Can't sell something when you owe more than it's worth

[@jenjones90]

Why would someone gamble instead of paying their mortgage 😥

[@TheAnniewoo]

It’s called addiction

[@brendasuelong-bryant3855]

The man has a real attitude issue!

[@veronicaarellano-hernandez2209]

Amazing 👏

[@alexandrasmith3186]

To be honest In the beginning when they were giving little hints to something bad happening I thought she was pregnant… but losing her job is much worse I think.

[@barbaramorgan6313]

Language may be the reason the wife smiled. She may not have understood everything.

[@jenniferbraun7269]

That just sounds racist.

[@kittyb275]

$2500 at the casino? So this was more important than saving his children's home???

[@beckymigdal517]

Her

[@jean4157]

BAD dietary advice. Most dietitians have no clue

[@heidiherget7071]

He doesn’t want to be there. No doubt he ran after the show.

[@INatalkaI]

WTF is she smiling about all the time?

[@mjunderhill3321]

Why dobi get the impression he has completely zoned out and most likely has a side chick?

[@lrla8657]

They aren’t going to make it.