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All right let's go to Korea and -- and Clayton New Hampshire.
-- -- and how are you tonight.
I'm fine how are you go how can -- help.
And currently -- -- now I'll just.
My husband went to the rehab and it's a year program.
And -- allowed to paycheck.
I'm coming trust hoping now the first of march.
He called it borrow one that will be relying on kids pay the mortgage.
And when we get our income tax will be relying on that can help make any money I am employed.
My income is not me.
I paid 585.
Dollars to credit card debt every moment with 24000.
In all -- credit card.
You have an 8000 dollar car loan and I pay out 230.
I hadn't really thought about -- he didn't feel so great about it and edited by accident.
Probably not by accident and -- found the scripture and from 3721.
-- would get borrow and do not repay.
But the -- give generously.
And I was just -- to hear what can I still throw and then emailed my question then.
Here we are to be so what do you make them where you -- -- your income.
And how much is your health plan.
You know -- Announcement who.
And how much was in his 401K that occasion.
They should get in about two weeks and content.
I think about -- 2000.
And while much at all.
Kim -- and and mom.
What's your homework.
-- In new.
You know I'm not sure we live in -- very rural area roughly there's not much market -- I would say seven people and and and what do you -- against it.
About 80000 right now.
So you're upside down and -- Yeah okay calm -- what what was the nature of his addiction what's in -- for.
Help can't come in and well good for him that he's facing it and and that he's gonna you know you're -- get your husband back.
-- the money situations horrible in the middle of it you already knew that.
But and the scope of things in life I'd rather have a husband to work and his weight there was -- than -- still on the bottle.
And you have a great financial situation you know.
I have to -- husband for money -- that caused when you would make.
It won't you know I think we got to make good choices it's just going to be a mess that you go through and I don't -- -- -- survive -- -- 14100 bucks.
What I would tell you do stop paying the credit card you don't have the money.
-- -- That's gonna it's gonna being your crowded up and down.
And it's gonna they're gonna start yelling and screaming and I don't care.
By the time you pay your house payment and you eat.
I think you probably done.
-- -- -- have you gotten you billions.
-- setup for children one in college.
While they're at -- And -- but I mean with 14100 dollars and a 600 dollar house payment that was me 800 dollars to keep the lights on and feed for kids that I get that part right.
Truth is there another car.
-- -- -- What's your car worth that as 8000 dollars owed on it.
I would say 101000.
Good let's sell it.
What -- -- you don't have a car payment now.
You can eat on 14100 dollars you drive the old car that's paid for their in the driveway.
We keep the house we keep the kids fit fan in the lights on and we let the credit card set toll gets out of rehab.
They're gonna scream and Holler and threatened and all these things and they're gonna do nothing in one year.
Although there was just yell -- -- -- Is that gonna measure credit up -- -- mess it up as about a bankruptcy.
Is that biblical yes it's better to take care of your own household first rather them be like an unbelievable -- some familiar.
Yes and so we're gonna take carrier kids first food shelter clothing transportation.
And utilities survive.
Does that make sense.
Then we can go back and pay the credit cards or do deals with them and settle with them when husband comes home and gets his income back.
But I think you can actually.
Error early make it.
On the money you get out of your car above the money you -- and on the money that you get out of those 401K.
And on of course your income but primarily I'm winning on your income.
-- don't just tighten this budget down the beans and rice rice and beans.
Does all that make any sense.
And -- the credit cards again one more time let me tell you just thrown in the trash they're gonna scream and -- -- couldn't care less.
You know your credit report or your credit score is not on the list of things -- worried about.
I'm I want your kids -- and your husband out of rehab and his family still standing.
Living at home in the home that they have which is a very reasonable home in New Hampshire.
-- -- -- -- New Mexico not New Hampshire oh yeah and you know not in H my bad I -- but that explains rule a little bit then okay.
Not that who entered and have a few rule areas but New Mexico got a bunch them.
All right -- you know that's how I would do it and let me do this -- -- which -- hold an -- set up for you to go through.
With your college student and you want to go with you through financial PH university -- thirteen week series so you'll have some people around here to help you.
Teach you walk with you encourage you as you fight through this year you've got ahead of you.
Is that okay.
That's our that's our thirteen -- class and we'll show you how to handle money even better in this time -- got much -- and you've got to be very careful with each and every one of those dollars.
Any of those older kids that are home can also pick up some jobs in -- in this year.
This is a tough year for your family it's a life changing year.
But it is your victory.
It's a it's a year that things are gonna turn and your house forever never on them.
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