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All right up next is going to be Teresa in Birmingham Alabama hi Teresa how -- How are you better than I deserve how can I help.
Have got myself into the financial situation now let that.
Got a divorce -- because that -- me totally financially devastated and then I was trying to help my son.
And who allowed him to get some unsecured loans and credit cards in my name -- -- Iran and -- start -- me stop you just told me you were financially devastated.
And so the way you help that situation was you let your son -- -- named to get credit cards and loans.
-- -- And you -- petting a really good until -- got into some trouble and now they've loved all of that got me and now I don't have enough money.
Do you make how the payment.
And Karen would you be willing to say out loud with me that this was a really stupid move on your part.
The F and that she will never do this again.
So I Karzai regardless of how much he cries are ones are -- And so how much did your son take out in your name was your permission.
It's probably about 25000.
And you make what a year.
And -- over time make 120000.
Well let's goodness we'll see maybe.
I'll probably 31.
But so have you talked to him about this -- -- saying I.
Yeah -- -- -- -- he didn't pay check he gave me a clutch hit the panic kidnap and not fit he had he keeps saying and that he.
And -- will help me -- that -- well it's just not enough.
You know we will have an -- on the contrary I know we won't he makes 30000 O'Leary's broke.
I mean they didn't get much if they can't -- -- on the.
-- -- mathematically speaking I mean I'm not questioning the intent of his -- but -- -- people want to do something with money they can't they don't have money.
The want to doesn't matter it's OK I didn't how much of this is -- on his car.
Does it in his vehicle -- -- well good need to work.
I'm probably not even a thousand dollars loan book warm welcome can't do anything else we're not so all of his.
Now -- -- -- -- well how they would can't they were probably bill that he yet they keep it down everything that he -- yet they're paying off.
Is there any reason making -- thousand dollars a year you can't just pay off -- 5000 very very very very quickly.
Well because I can't house payment schedules via my vehicle payments that everything else and you'll -- -- -- Kept saying -- how much -- your house -- By about 700 dollars a lot of good and nothing.
I'm I'm putting out over 8000 dollars a month -- -- bringing in like -- I don't.
President bill in your car your house the bill weren't -- -- one of the dead you know.
There's not have a lot of insecurity that how much it pay insurance is probably our insurance is not a -- I'll cry.
We're not home.
All people needs to do well okay want what's the other -- on the -- out there among the one that you is it he lives in -- house that you're paying the payment on Tuesday.
Yeah how about 300000.
Dollars and I -- stop together let's sell his house.
Well then -- -- him and his kids and the -- that will be called -- Can -- he can't pay the bill videos and you can't pay the bill that you.
And the -- they'll stop if you -- 300000 dollar -- real estate 171000 are -- car.
And you make a 101000 dollars you make enough money to pay this debt off without selling his house.
You're spending is out of control to.
-- you got some unsecured -- you haven't told me about.
-- -- -- I'll total -- vehicle that everything it 300000.
And that's the whole package.
Right and Ohio and both houses.
Look at what I'm gonna suggest you do traces sit down to a written budget with the income you have coming it.
You make 101000 dollars a month that's 8300.
Dollars take home pay give -- take.
8000 dollar take home pay it should be -- in that range.
And out of that you are bill to pay your car payment and payments on 300000 and clear -- this 25000 walk your way out of debt.
And you're gonna have to cut your lifestyle and you have to control your spending because you've got just kind of go do whatever you want and then sit around and whine about the results I'm sorry I don't -- mean everything but.
There's just no restraint in by you or your son anywhere in this discussion so far.
And so restraint this this holding back.
There's this pulling back in order to win is is my first reaction to you and so we're gonna -- you make a lot of money.
You're in the top 2% of Americans and come.
And yet you're broke and paying for two houses because your family so dysfunctional.
Because you just pay for everything for this kid and it is really time he step up and take two jobs and take care of the family.
And you need to let him cut him -- And -- -- needs to sell you sell this house what you do for his sake.
-- -- to -- rent and get on his own feet and you take the 25000 and don't you ever borrow money for him again or allow him to borrow money for using your name again ever.
Under any circumstances.
You're not helping him.
You're making -- you're you're crippling him financially emotionally he's not -- to stand on his own yet and its timing yet.
So -- -- Lucas -- -- well but conscience all of you are thinking.
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