35 Year Old Purpetual Student - Til Debt Do Us Part - Student Of Debt
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- Опубликовано: 5 сен 2024
- Racking up $52,000 of debt while living rent free in the basement of his parents, 35 year old perpetual student Chris has a lot to learn. Chris’ wife, Yen, is the breadwinner of the family but now they’re expecting a baby. Gail schools Chris for his carefree attitude towards his crushing student loans and finally gets him to feel the damaging weight of his debt. Once Gail helps Yen find her voice, Chris is forced to make tough choices about his future. -
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I’m glad she called him out for getting a wife and making a baby with no job
That is what a seventeen year old high school boy does.
@@Iworkwithnitwits yes but i've seen 17 yr old boys step up and become a working full-time with time after work for the kids kind of father. a few i am proud to call my family. i get what your point was though lol
I feel bad for her. He is unbelievably lazy and entitled. He wants to teach so he can have summers off? He wants to be a dentist so he can set his own hours? He’s 35 years old, lives at home for free and doesn’t help his parents with yard work? Still working on a bachelors at that age? It seems clear that all of his decisions are around putting in the least amount of effort possible
I agree. And it’s no picnic to be safe n that situation. Summers off means you don’t get paid, unless you take a pay cut to be paid less but receive a check every month. It takes extra planning to be a 9 or 10 month employee.
@@jenniferwang3489 i'm still shocked how much of a "secret" this concept is to people these days. People will say "teachers are paid too low" and "they get holidays and summers off" all in one breath it's so silly
Right?! The sad thing is how much of his laziness and entitlement was caused by his parents.
How much better they did on the golf course challenge should tell them how much they failed him, but instead they just laugh and celebrate the fact that their kid is struggling to understand and calculate the everyday expenses in the challenge.
@@jenniferwang3489 YES...why I worked last summer at summer school and tried working at a restaurant and sold things at a shop this summer. I also tutor an adult online. The work never ends as a teacher.
Lazy,.trifling, no-count!
His parents seem like genuine sweethearts. Why did they enable him? Is he their only child?? In the beginning they said, “…well worth it to get that daughter in law” which heavily implies that they know western women would not be interested in him.
They are Mormon. Culturally he was very old in getting married. 23-26 years old is average for men. They likely feared he was never going to get married… them saying “that” daughter in law likely meant they really love her or just excited to get one in general.
I agree with SR. Plus I'll add that they probably were hoping to have grandchildren while they're still young enough to really enjoy them!
They just really like their daughter-in-law. You are reading way too much into what she said - there was no such implication. If you think no 'western' woman (It is common for Mormons to marry foreigners) would be interested in him, you should watch just about any other episode of this show. Plenty of attractive woman who married complete losers.
No woman wants a 35 year old man who lives in his parents basement, has 50k in debt, doesn’t have a job, and is dragging out finishing undergrad. He’s failure to launch.
That rocket exploded all over the launch pad.
I want to agree with you, but watch any other episode of this show. Apparently plenty of attractive woman date/marry this kind of person. Plus, it probably doesn't hurt that his parents appear to be well off (I wouldn't say rich, but doing pretty well for themselves).
And no man wants a woman who only earns $35k who is paying $300 for her family's house.
Except he is married.
well, there is at least one woman who does
Legend has it that Chris is still a student
The baby will graduate first.
@@christinebutler7630 the baby will become a dentist and look after his dad..haja
@@christinebutler7630 😂😂😂
@@monsieurfortuna9952 - It really makes me curious about his financial situation. Is he living above his means? Does he still have a huge amount of debt? Do his parents still help him? Did he leave his first wife or did she leave him? Lol, so many questions! :)
@@monsieurfortuna9952Really? This one looked like she opfered for him a lot…
I need this show to come back.
I agree, now more than ever with the crazy inflation and a potential recession that's in the horizon. We need financial educational shows like this one.
I need it now more then ever. These episodes are so old that I'm like oh you're ONLY spending $1000 a month on food for two people a cat and a baby? Somehow they cut it down to like $300 and I'm like this is not possible omg.
@@hannahcarney2250 Exactly. My fiancée and I spend around $300-400 on all grocery and we think we've been splurging a lot lately. We've been eating out, not looking at what we're buying and all that stuff.
Yeah.... like how many hoarders reboots have we had in 2 decades but no new til debt due us part it's not fair. Show me some recession finances and 2022 gas jars! Plus I'm getting nostalgic for the prices/budgets it's like watching the Price Is Right when you're in Canada..... no way that name brand soup is only 35 cents...
And also do follow ups on who stuck to the program and who didn't.
I was sooooo surprised at Gail actually giving them $4000. They had to make very few changes, and then they questioned why they didn't get the full amount. Not a lot of gratitude there yet, IMO.
I know he only had to muse about the 800 bucks he withdrew to figure the difference lol
Couple of mistakes made. First, the parents thought if they helped bring the bride over then they'd get the son out of their basement and stop having to look after him. Second, his bride thought she was marrying a good prospect and ended up having to support him and his mounting debt. I think Yen could have done better
She might genuinely love him.
That’s kind of a rude assumption about his wife. She seems to really love him and his family, plus she speaks very fluent English so probably spent some time in Canada as a student or similar.
Third mistake: having a baby before getting the finances straight.
@@Sarah-eh7bw many Philippinos speak fluent English and never have left the Philippines. Many companies have call centers in the Philippines because of the fluency in English there.
All women want financial security.
It’s weird to think that their baby is now a teenager.
We need a followup!!!!😮😊😂
@@boonewsmith Yes! I wish they would do a follow up series.
@@boonewsmith I saw on the comment that he remarried a younger wife and he is rich now after finishing dental school
@@victoriakim4385 I doubt he is rich. He probably spends more than he earns.
@@victoriakim4385 he actually finished school!?
I hope that's not true...that Yen put him through college only to get dumped.
Ugh. Those enabling parents.
As Gail has said in many of her shows, the parents should have been charging at least a token rent as soon as he finished high school. Ultimately, there is no such thing as a free ride.
Moved out at 18. Rent was something I was almost always worried about. Sometimes I stayed with my grandparents if I was in between jobs. I was in school too
⁹I will will out an updated version 03391-0 withhh
@Jessica Bellamy I know what you mean. I always Paid Rent and then when I could I would give extra to the Folks. Since my Dad died Nine Years ago I've really had to step up. I drive my mother around because she doesn't know how to drive amongst other things. I also know about Self Control. I wanted to buy things from Amazon Online but when I see it's not in my budget I don't buy it. I also help out with Chores and when folks come to visit they marvel at how nice and clean the house is. Basement Apartments with Family is very dangerous. Remember The Gay Couple and the other couple. They made it too easy.
My parents didn’t even do that! I was kicked out at 18! Out on my butt.
Mommy and daddy paid for his dental school! he is a dentist now and drives a luxury car and lives in a mansion! he also remarried!
It’s disturbing that the average monthly cash (untraceable) spending was almost $3000, and then at the last minute when he thought nobody was looking he takes $800 in cash. Gail (or the tv show producers) decided not to jeopardize the episode’s feel-good-ish ending by trying to expose where all that cash was ending up, but it definitely felt like there was an unaddressed bad behavior/addiction beyond just “buying stuff.”
I have to agree with you. It seemed really shady that so much money was going to cash. And I'm disappointed that Gale didn't ask him about the $800.
Gail is a licensed financial adviser so she likely has an obligation not to do harm to her clients, including the shady ones. She may have said some things off camera but public humiliation might be outsider her ethics.
@@justine8387have you seen her other show- Princess? She is definitely not beyond public humiliation
chris is definitely banking on his parents leaving him a good inheritance
They need to spend the lot now !!
And that beautiful house and grounds which he will never be able to upkeep, id be devastated to have such a childish son at 35 nearly middle aged and hasnt got a carreer or even a decent job
His parents created this.
The world needs this show!
And the award for the most immature 35yr old man goes to...😁
Some people need to quit going to school, especially when it's that hard to finish. He should've gotten a job a long time ago and taken a class here or there
Even trade school would have worked out better
His eyes have no depth, something there is off. Serious case of arrested development.
Yes !
How do you spend 500 a month on clothes?! I don’t think I even spend that much in a year on clothes
It's not hard at all to do! Have you gone shopping recently?? A shirt is $70+
I get my clothes from the Goodwill. Or garage sales.
@@whitneyw.7919 I've never paid $70 for a t-shirt. I spent $100 on my wedding dress, and no other article of clothing has ever come close.
I can see how. All of those clothing stores pressure their employees to look well dressed, and they make it sound so easy to afford a new dress every month.
@@nataliefontane I spent over 100€ for my sandals. I have a heel spur. I am still wearing these shoes 3 years later an can walk without pain. They were worth the money...
I am from the Philippines. I hope Yen is okay now. All the best to both of you.
Aww those parents are so nice...its worth the money to get our daughter in law. I feel bad for her, shes the only one working and probably will be the only breadwinner forever.
I love Gail's "suck it up buttercup" slap of reality.
When you marry a white dude and you’re from Asia, everyone thinks you hit the jackpot. This show proves that behind the scenes, this couple is struggling. Yen’s family in the Philippines might see them living a glamorous life because of all that stuffs and lifestyle they have but they are far from that.
I think Dad was enjoying his week off!
it's just sad. there's absolutely nothing wrong with finishing an undergrad as an adult, but ultimately if you're getting a free ride from your parents and have a supportive spouse, your focus should absolutely be entirely on finishing quickly and learning as much as you can. it seems like he just kind of wants to drag it out.
maybe i'm just projecting here since my partner and i both worked full time jobs through college, so it's frustrating to see someone who's lucky enough to JUST focus on school take advantage of the opportunity.
Nothing wrong with it if you were doing doing something else worthwhile between 18-32. Raising kids, military service, or another career that didn't work out and required you to retread....those are all decent reasons for being an undergrad in middle age. But there is no indication that this guy has done anything with his adult years so far except mess around and mooch off his parents.
Christine's correct!!
@@christinebutler7630 Considering he is Mormon, he probably served a mission for at least 2 of those years. Not justifying his behavior or anything like that, but we can reasonably assume he didn't start College until he was 22 or so (at the time, men had to be 19 to go on a mission, get back when he is 21, start College when he is 22).
honestly before people get married there should be a 4-month waiting period, a mandatory financial disclosure statement both have to fill out - 2 things that divorcing people have to do - and a form to fill out to figure out if your spending/saving habits line up
Same thing if you want to have kids
The wait period is called an engagement.
@@kunya16 in my state, you can get a license and get married w/in 6 days...
@@laurapeterson12no duh. They've still been engaged for 6-12 months if not years. If they don't have it figured out in that time then they never will.
@@kunya16 no offense, but not duh - there are many people who are NOT engaged for years and get married after the 6 day waiting period or even after 1 month of knowing each other...
Chris is 48 now. Are they still living with his parents?
He lives in my neighbourhood and drives a luxury car and lives in a large house, he re-married! now he has a younger wife! He finished bachelors and also finished dental school! he is a dentist now
@@monsieurfortuna9952 dang any details on the ex wife?
@@monsieurfortuna9952 Thanks for the update! Wonder what happened to Yen.
@@84BlueCrownvic my guess is she got fed up of working to provide for him and realised her and the child could have a better life in the phillipines. Having children is often a trigger for a lot of women to re-evaluate because they are no longer just thinking of themselves.
@@monsieurfortuna9952Evidence?
You should have asked him about the $800 and made him accountable he's not going to change his ways if you let him slip by
That man and wife are just waiting for his parents to pass away in order to Iberia the home…….
He lost that 1000 cause he was slick and took that 800 out the bank....Gail gotcha...lol!!!
Sounds like he just thought he was slick
I had to pay rent when I started working, was only $50 a month but still. I was also responsible to clean the house. It taught me the value of a dollar.
That is a smart wife, the experience was more valuable than the money :)
Dude got lucky for sure
It would be great to see where these people are today!
Chris got a mail order bride, probably because no smart Canadian woman would have a 30 something student still living in his parent's basement.
Life is tough in the Philippines. Young Philippine woman marry foreigners so that they can better their life and send money home to help their families. Notice that she said she was doing this?
Yep.. It called life... And try as hard as you like you still end up flower food!! Shes ok.
There are plenty of educated smart canadian women who’ve been in similar situations in this show. No meed to shit on an immigrant
Lucky man. Sweet parents and wife. Too bad he is way to comfortable and definitely taking advantage of them
Gail was right about Chris having his head in the clouds. He seemed to pull figures out of thin air. He may have gotten them from a career website, but anyone taking information from those sites must be careful. As far as I can tell, those sites don't get updated very often, if at all.
There about Chris's personality which doesn't appeal to me. He is too unworldly and disengaged. He wants to be this great christian husband but he gives answers which give impressions which are incongruous with attitudes of repentance and determination.
They need help.
I wish this show revisited these couples for an update.
Daddy bought his son a mail order bride.
Yeah in the beginning he lets it slip sort of when he says "anything to get that daughter in law". Homeboy was unsellable
So they’re just going to live there forever? I think we all know who’s going to be raising this baby, and it’s not the baby’s parents
He probably waited for parents to die
The mother has to work and they don't have the money for daycare..
@@solidstate9451 Should have thought of that before having kids.
@@drewconway7135 🤷
Why is she calling them kids?!! They're adults not kids. He is acting like a kid though. He's a lazy moocher. Wonder what he's doing now years later?
Ahh, mom's a Quilter. Nice quilts, mom!
"I thought make the 2500 together" What a child. You make the money don't depend on your pg wife.
Hold up, Hold up!! I did my Bachelors and Associates at the sametime. I completed both of them in 2 and 1/2 years. Then I went back for a Masters then a PhD. It isn't easy and school isn't for everyone. He obviously isn't taking school seriously. I raised a son, put him through school and he's an Electrical Engineer. He makes a good living and lives on his own. I'm getting pissed just watching this.
LOVE FROM NEW JERSEY ~❤❤❤❤
You're absolutely right. That guy is nearly 40 years old and hasn't finished anything.
@@pugetsound1272 🤣🤣🤣🤣
This also shows how much the older generation set their children up for failure in these situations. No one really taught our generations anything about finances, and then they hold what no one taught us over our heads.
I mean, look at how quickly the parents finished the golf course challenge, laughing the whole way, while the kids struggle to understand what they're reading or calculating. Those parents have no right to laugh at what they caused.
lol, its all the parents fault
That's ridiculous. The older generation was also not taught about finances but they had the common sense to work and live responsibly.
Did your dog eat all your homework as well?
Got to have someone to blame…..no responsibility….
Not to mention enabling him for 17 years as an adult.
Im so glad my daughters have my and my mothers sense of independence, all have flown the nest years ago and are doing well and very good to me
What a shame that someone else had to tell them to help out at home…..selfish spoiled brats…..
Anyone have an update on this couple?
yen is too good for this kid omg
Summers off? I am not a teacher but most teachers I know either get a second seasonal summer job ( Cafes, grocery stores, cleaning or hobbies) to help supplement their income. Or they take additional summer courses to help further their teaching.
As for the wife, she should of been more on his case about any debt before they got married. She assumed that living in Canada is easy money. NO, we Canadians work our butts off.
If he thinks that teaching will let him play golf in the summer, he's got another thing coming. Teachers in Ontario take professional development courses in the summer. He'll be supporting a family, so he'll probably be teaching summer school.
My friends go golf every weekend. It's pretty chill
@@R14iify Keep in mind though, he's going to be starting out. He'll already have a baby, student loans, and rent. Yeah, he'll be working
He also could end up working a second job during the school year too. After school and weekends. That plus marking assignments and papers for his students, he won't have time for golfing.
Not all teachers teach summer school.
@@musicgirl999 believe me-- with all that debt, he'll be teaching. Plus, in Ontario, where this was filmed, teachers often have to take courses during the summer.
Parents: YOU HAVE TO TEACH YOUR CHILDREN TO WORK!
It would be so interesting to get an update on these people.
I really hope that he grew up, otherwise she and that kid(s) are back in the Philippines.
17:25 lol at the Dad totally claiming the golf buggy - “I’ll drive !! I’ll drive !!“
The parents were a lot of fun. 😅
Be grateful you got any money!!
She thought she was marrying a rich American She gets it more than he does
She also makes more than him and she’s not even from there!
Pathetic man. On line bride deserved better. Parents are enabling. This is just so sad.
He completely misled her. What an icky dude from the start.
Yes, and The Parents do that without realizing. Also some folks may disagree with me but when you are an Only Child, you get all of the attention and you don't know how to compromise. Another thing that The Husband should have worn is an Apron. When folks ask why he's wearing the Apron it's because he doesn't know how to remove the Apron Strings from his family.
I have student debt, and it's awful. But I'm paying it off with two full-time jobs. It will take me 5 years to pay it off instead of 10-20; and I am saving for a small home.
Isn't there some student debt relief from the government recently? Or did I completely mishear that?
@@legzfalloffgirl5148 it got shot down by politicians. Also, the debt relief for working in public service has a 99% rejection rate.
Hang in there, I paid off mine, the Dave Ramsey way
he makes me want to run to the hills
I hate the excuse " it was difficult to complete the challenges with work and chores"
In Australia, university used to be free for all students - hence why you had people with more degrees than a thermometer. It became user pays just as I started - mind you a 3 year undergrads degree is 1/3 the cost of the USA now. Professional Students were taking the places of younger students until it became impossible to get free education. Once you earn an income your loan is repaid voluntarily or by any tax refunds. I managed to work full time & study at night to get my degrees. My employer was good enough to pay for 90% of the costs too.
University is absolutely not free in Australia. It was free for around 10 years in 1970s and 1980s but then it changed. I used to work with young lawyers who had around 75k in debt. You are wrong and out of touch.
@@justine8387 Yes Gough Whitam removed the Free University Fees. Just as I was about the start it was user pays but we had CAEs too that were later made into universities. University was never for the poor & the grades needed to be alot higher. I look back at what I would have been charged now & was thankful for employer support. Hmmmmmmmmm considering I just completed my 2nd Masters a few years ago I am fully aware of the costs. I would never outlay such an outcome for a piece of paper when a Diploma in IT would come close to a lifetime career.
@@justine8387 Obviously you had trouble reading what I wrote - PM Gough Whitlam gave out the free university offers & this was rescinded in the time of PM Bob Hawke in 1986. My English Teacher was married to a Professional student who never worked in the 80's. Perhaps you should do your research before commenting.
Gail should have confronted him about that $800.00 withdrawal! Shady....
Hookers and cocaine
I just realized something else, didn't they go for Pre Marital Counseling and didn't they talk about Finances "Before" they got married. If I knew he was in such financial debt, I would have said "Bye Bye Baby". The debt doesn't go away it gets worse. I keep track of everything I buy. My weakness is Dollarama but at the end of the month, I calculate what I spent and what I earned, if I "Spend" more than I "Make" I know I am up the creek without a paddle.
No answer to that mysterious $800 he withdrew the day Gail arrived? The wife and parents seem decent, I hope they do well
Hes lucky his parents are still alive
GAIL NO ME PIERDO NI UNO DE SUS VIDEOS , ! LOS ENCUENTRO MUY INTERESANTES , LE MANDO UN SALUDO DESDE PALMSPRINGS CALIFORNIA YO SOY DE TIJUANA BAJA CALIFORNIA NORTE MEXICO 🇲🇽🇲🇽🇲🇽🇲🇽🇲🇽
The guitar and piano sounds🤣🤣🤣
Here in North America credit card companies are now focused on getting kids hooked on credit cards, always see the commercials aimed at the kids! Unless they have parents who use credit cards wisely, like paying it off every month, there are going to be millions more trapped in credit card debt!
I worked many years at a Canadian university. The credit card companies are the first ones to set up their tables at the start of any semester.
Eh, all he has to do is wait for nature to take its course. That's his plan
You nailed it!
When parents are too nice , the kid is crappy .My in-laws were so nice to me lol, bc they wanted me to keep the bastard away from them 😂
Raise your children so you can spoil your grand babies. Spoil your kids and you will raise your grand babies
Mine too!! They wanted our wedding more than I did.
When home girl thought she hit the green card/ citizenship jackpot. No offense he is a passport bros.
Marriage to him is a lot to pay for her green card (or whatever they call it in Canada).
He had to of fed her a bunch of crap to get her to marry him. Not what Yen thought how she would be living. He probably told her he was just living with his parents as a temporary situation.
I'm 33yrs single living at home. Engineering graduate. I do a lot around the but i feel so bad lol, wanted even to move away to canada to take Menial jobs i have Sent countless applications in kenya and i have not been able to land a job i am currently finishing my paid internship with the government. I use to be independent i even worked construction jobs after highschool because i had no money.. One may ask how did i graduate at 30, i was diagnosed with bipolar II disorder in highschool and i have been on and off meds for years almost 8years as i have been having relapses. its been tough but i hope i get the canadian visa soon. Really want to work even in Construction as i have some experience and want to rebuild my life.
Lots of people share space with their parents. Life is complicated and messy and there is no one-size-fits-all answer. I think the iss in this show is the young couple are clearly taking advantage of their family.
Everyone need support and I can only imagine how complicated managing bi polar must be. 💖💖
In a perfect world he should buy his kid a coat but NO grandparent will allow their grandchild to go without a coat.
Great parents 👏 👍🏻
Yikes, Gail to the rescue just in time. 👏👏
I thought for a minute this was a puerperal student and I was intrigued.
You took on the weight because its your debt and therefore gave her a free ride? Bruh, its indeed your debt plus she is pregnant....
I totally agree!
Unbelievable. He needs to go to a two year RN program instead. Why in the world would he get married and then she gets pregnant??
I'm sure the parents are shaking their heads wondering how did he get this way. Mom stepped in and will make sure he is on the straight and narrow.
I have an idea...He should get a job....WOW!!! shocking...i know....
He wants to complete an undergraduate degree and then go to dental school? I don't know what Canada is like, but dentistry here in the UK is incredibly competitive, amd it takes a long time to qualify. I'm not sure how realistic that is when there's about to be a baby to take care of.
I'm glad they seemed much more "on it" at the end. I was actually a bit surprised that she didn't give the whole 5k, as though he's not an outwardly vigorous man, it seems like they both tried hard.
In her culture, the parents take care of the kid... boy, in countries like the Philippines, the children start contributing to the household very early on. People live together because it's financially impossible to move out. He should have gotten on an accelerated program to graduate early and start working immediately. His parents did this manchild such a disservice. I don't even feel bad for them. They did this to themselves.
I guarantee he sent her pictures of the house before they got married and led her to believe it was his house, not that it was his parents' and he was living in the basement.
He was not in 100 %
I always got gay vibes from this guy. The mail order bride isn’t helping to dispel that feeling either.
He would’ve been cute back in the day but the no backbone and lack of character/ personality is a complete turn off
Yen definitely is his beard.
You hit the nail on the head
Mail order bride is pretty derogatory. If anything, he's a mail order husband.
He is a dentist now! Drives luxury car and lives in large mansion! also he remarried and has a younger wife now
This episode is the only one I've seen where I disagree with her verdict... I don't think he learned anything.
(Perpetual) This is a great show!
This is the first time I’ve ever seen someone not get the full $5,000
There has been a few, always hilarious.
Why wasn't he confronted over that cash withdrawal?
20:22 Chris: "I was definitely a bit shocked that we didn't get the full $5k"
I'm definitely a bit shocked that she gave that loser ANYTHING!
Backyard pool
No rent
She makes $20K
Count me inn !!
It’s “Perpetual “. Spelling errors on tags really jump out.
"Dad, Remind me to turn off the bbq "??
How they manage their money?
Her English is very good for having just arrived from the Philippines.
English is an official language there. Plus people are able to learn foreign languages from wherever they are in the world 🙄
@@toriesout2702 I meant in the sense she had almost no accent etc 🙄
@@Dusttbunny You can speak perfect English without using a N American accent. British, Australians, Irish etc do it all the time 🙄
@@toriesout2702 noted troll 🙄
Chris's Father looks like Late Soap Actor Jerry Ver Dorn (1948-2022) who played Attorney Ross Marler on Guiding Light from 1979-2004.
Is he the only kid?
Probably
Oh yeah, his dad was struggling SO hard with him doing the work for him....that he had to supervise and help them with because they didn't know what to do...
This episode looks really old i wonder hows this couple now