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I've okay we're going to start with -- Rangel Kellogg's.
Hey Dan how are you tonight.
I think they've thanks for taking my call -- I'm 46 my -- 52 -- been married 23 years we -- could kick him out of state college that they went to an academic scholarship.
I make about 8:10 AM on my husband makes about 4000 a month.
But sometimes that's less because itself employed.
We have a Margate the 150 -- -- and I had the -- for 3151000.
We built -- and -- We also have a 79000.
Dollar home equity line of credit that it -- 79000.
And we have 9000 dollars incurred because.
And then we had 6000 dollars left him truck payment.
With severe percent interest so he -- 6000 more.
And -- 600 dollars a month payment.
And then my car is 111000 dollars left and it had 7% interest and I have a -- fifty payment.
While and but that they.
And then we had.
We -- really rural area really small so we don't have never worked for companies that have oil once he says.
But I need for the benefit so we don't have health insurer.
And because it became so expensive and so we had.
20000 dollars in savings account.
And the big thing is -- that we I have a -- says I have paid for years.
And it was our emergency funds that typically.
When we live the first eleven years the primary in that forty plus year old mobile home scrape them.
By you know but saving so we could buy a little plot -- -- any -- that's how -- can.
It's -- -- eleven years of living in that happy mobile home and so we have Tony doesn't -- But I have a 121000.
Could -- hurt that my husband is no and -- you can create.
And it just makes me feel so bad because.
-- -- -- As an emergency fund so that my husband wouldn't worry that we.
Didn't have enough money because you work so hard and never ever complained that even my son in college -- that the one thing about daddy says he worked so hard and I never want.
My life had my day complain about working and so.
He didn't know about it and he thinks they're doing fine because you know.
I'm doing fine now and now that's coming -- your ears I know and so but we admit it you know at 8000 dip in the mountains.
We don't care you know -- with -- I did I mean being no.
I don't know what else do you like where do I go I -- -- it.
The new diet and -- and the pound key delivered -- can I really thinking along those lines like I understand what you're saying I read the book than.
I've driven to my kids other fatalities and listen you move -- thousand of my filled with a -- pit road and and so you know you know he'd do better when you know better and so my problem -- I have -- -- he create.
I am so afraid to -- my husband so bad because he has worked so at -- hard for our whole family.
And never ever has complained and you know.
He essentially -- torn log.
I get that he works hard need to income yeah I'm proud of all of that -- -- at the you know I'm not telling the 121000 -- secret -- lies thing.
You've still got a huge mess I now so I don't and so I I don't know why why this why he had to be protected by united.
I get because they grew up -- -- you know.
Single parent that didn't that get screened about money in a lack of it all the time -- I -- maybe had that mindset like it declined ten of blade.
I didn't get scared when I handle money -- -- brings well 'cause you're doing.
It all by yourself.
Again maybe he works -- he doesn't complain but he does not participate in the adult decision making around the house now -- the only one doing that.
-- and and so that you know we -- 20000 dating but.
Tired -- is we're going to -- on -- order.
-- the idea that he has to be.
Somehow coddled and and that you have to carry all of the emotions.
And the responsibility of the household on your shoulders by yourself is a wrong idea.
Yeah he's a good man he's a hard worker.
Yeah I I heard and I got I got it okay.
Yeah but the point is that that he needs to participate in the decision making with you for your sake and for his sake.
And that way he's not surprised.
And you're the one that's always going to be the administrative one that writes the checks and does the budget laser -- out.
But he needs to know everything that's going on and he needs to carry the weight of the -- hold him with the -- And that and so you're gonna sit down tonight your turn off the television.
And you're gonna say -- try to do this for years by myself.
I am I'm okay -- it but I'm not great at it and I've made some mistakes and we have made some mistakes -- And one of those was that was there for years -- caught on to keep you from having to worry about money I kept catching all the little odds and ends on a credit card and tell you about it.
And it's not a 120 thousands 121000 our show told you about it but you should have been asking more about it too.
And so I'm not excusing your lying in your deception -- but I am also gonna say hey he plays a part in this because he just -- walk along fat dumb and happy.
You know you know his job but as the husband is also -- -- with his wife.
-- for her protect him from any harm -- That's what mothers do not lives.
So I think you gotta sit -- and just come clean and in the two of you gotta look at this budget and you probably sell your stupid car.
You got a thousand dollars and car payments -- out 4800.
The house is not battle line which got the home equity loan.
He got the credit cards you walk around without medical insurance is of -- you've got to get health insurance get a huge deductible.
And get health insurance if he goes -- with a triple bypass and as a tour 2000 -- -- billion dollar -- -- everything.
And you're just walking around just one medical of -- one major medical event away from bankruptcy.
So you get health insurance and placed large deductible smaller premium.
Something big he doesn't talk that the we will look at these cars and decide if we're gonna keep -- and if we are what we're gonna do to get.
Rid of this debt.
But you've got a a twelve year fifteen year track record of every year a little bit more goes on the -- Because you're not why I live and -- -- you -- And it's a little bit of time it's a car here it's a medical thing there it's a vacation there it's a kids' college thing here in a little bit here a little bit there.
And all of a sudden you know you look up and you've got this handful of that here handful that and it's just it's pollen -- -- it.
And so -- probably not look at refinancing the house getting rid of that second mortgage getting a great first mortgage locking in the interest rates.
Getting health insurance coming clean with him.
You may need to sell one or two cars.
So you guys can get your life balance and get some of these debts paid off.
Because you you just can't continue doing exactly what you're doing the problem is is you've been juggling so long that that that you forgot and and -- -- -- here and circus.
And you're not so you've got to sit down with him the -- -- you -- start making your decisions together.
Every single month.
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