Couple Can't Work As A Team - Til Debt Do Us Part - There's No 'I' In Debt
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- Опубликовано: 31 дек 2024
- Beth and Steve are struggling with a modern reality. Beth out-earns Steve and it makes them both uncomfortable. Add in Steve’s larger debt load and it’s a recipe for marriage meltdown. They’re so busy keep track of who owes what and what got paid when that their relationship is suffering. Gail has to show them that when it comes to dealing with debt, they’re a team and there’s no “I” in team either. .
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This would be a deal breaker for me in a relationship. I don’t understand how women find men like this attractive.
Misplaced maternal feelings. Trouble is, they have a real baby with their "big baby" and realise what a burden he actually is when it's too late.
Project.
He is funny guy sweet generous and trust worthy
She’s afraid to be “alone” but I’m sure that’s better than a relationship with a child.
So I’m confused- this woman was working 2 jobs to pay down HIS debt while he went out with friends AND they weren’t even married?? This woman is obviously intelligent- so why was she doing this? ???
It's definitely the 🍆🤣
Dating options are limited when obese.
God bless feminism.
She is not obese.
@@jeradkiester698 Wow, you're shallow!
1:50 What I don't get is why she's doing all this if they're not married. Getting a second job, making more money, handling HIS debt. It doesn't make sense.
For some reason, she is emotional invested in this relationship. Maybe she really loves him. Therefore, it overrides logic and practicality.
They have a committed relationship. A wedding is important to some couples, but not all.
@@JehanineMelmoth The problem is she could pay his stuff off and leave. Then there is nothing she can do.
I understand that, though it has nothing to do with my point.
@@wlonsdale1not true in Canada from my understanding. They treat common law marriage the same as marriage
I agree with a lot of what Gail teaches, but leasing is the biggest waste of money when it comes to owning a car. The payments may be smaller per month, but when you’re done, you don’t own the car. A much better plan is to simply buy a cheap used car instead of buying a brand new car.
Plus you have to put a large down payment first! Where are they going to get that 🤑 money?
Down-payments are not required @@jasongabson8611
ROTFL about the concern about "8 and 10 year old cars." My vehicles are 29 and 23 years old.
Our vehicles are 15 & 22 years old... and they're doing fine 🙂
Canadian winter is not friendly on cars - especially in provinces that use salt on winter roads (like Ontario where this is filmed)
@@Mae667 I live outside Chicago where they salt the roads and we have harsh weather, but my car is 17 years old and holding strong.
Live in Ontario, can confirm. After 8 years on the road, my 2010 Ford’s undercarriage was so rusted it was ready to rot out; between that, and rear axle that needed replacing (because I cut too many curbs and didn’t slow down for speed bumps), the car was basically fully depreciated.
Lesson learned: I should have undercoated it.
Yep, one vehicle here is 16 years old and came from salt loving MN. It has undercarriage treatment. The other one is 25 years old and still going strong.
If you aren't married do not pay the other person's debt. You are roommates until married if you are living together.
A couple of my friends (their daughter is my goddaughter) lived together for 30 years, which was until he died. They had two children, paid off their mortgage, and adored each other. They never married. But their relationship was much better than most marriages. The ceremony is optional. The relationship is what matters.
I hope her name was on the deed. She cant collect on his social security as his widow since not married@JehanineMelmoth
@@pamsmith1665 they bought the house jointly. They did everything jointly. Her name was in the deed.
@@pamsmith1665 oh and there isn’t a question of social security as she is working. There’s no need to claim. Everything if his was willed to her and the children.
@@JehanineMelmoth There would be a question of social security if in the end he paid in more or longer. She could claim the higher of the two. There are other things. Someone has to be named in a medical power of attorney. If she is not his wife and he hasn't chosen her, legally his next of kin could stop life support and there would be nothing she can do. That piece of paper affords the wife advantage that just shacking up does not. Women (and men) should protect themselves legally. Legal heirs can and do contest wills....and win.
I would never, ever ask or expect someone else to pay my debts
Don't pay off someone's debt, especially if you are not married. He could just take off after she pays his debts . Make him sweat it out until he pays it off. Take care of yourself. I just don't see what she sees in him. He is childish, and very unmanly.
Am a social worker too and when i first started out i took a second job counseling low income youths. I worked in a homeless shelter at my first job and by the time I got to my therapist job i was drained. Like i even nodded off during a session once. I would have quit that same day because I obviously wasn't able to the work I needed to do but i stayed because if i just left, finding a new therapist, specially a few months before the end of the school year, was going to be hard. If you are working on this kinds of high stressful jobs, avoid a second job unless it is absolutely necessary.
"I like babies when you can give them back." Girl, me too. That's why I'm childfree. Red flag alert that she should NOT be a mom.
lmao
But she has a whole nursery outfitted in their home. She likes the idea of kids.
@@KRoseB she might like the idea but the reality is very differnt
Me too... no kids and very happily married for 35 years. It's not for everyone.
Actually, I will not change diapers or hold other people's kids. But I love being a mom to my daughter. I was the kid who never babysat.
Dave Ramsey would ask: why a r e you merging finances if you a r e not married yet? There is no "we" yet. Get your individual finances in order. Then get married, if the relationship lasts, and then do joint finances.
Dave Ramsey is a homophobic Covid-denier whose snowball plan is much less efficient than Gail’s method of paying off the highest interest debt first. Marriage doesn’t equal long-term commitment to many people. Some common-law relationships are much better than some marriages.
@@christinebutler7630 Dave Ramsey is a homophobic Covid-denier. Married or not, the quality of the relationship will determine the outcome, including financially.
We've been together nearly 40 years. We don't have joint accounts. He pays certain bills and I pay others. We pay our own share of holidays. We f😮nd that works very well.
Dave Ramsey runs a cult!
Hope she didn’t marry this fool. She listens to children’s suicide calls so he can go to comedy shows? No wonder she resents him.
Sounds like you paid attention to 1% of the show and the rest escaped you. I’m going to guess because of your own biased ideologies
“In a perfect world I would love him to make more money” there’s nothing wrong with being a single woman! Much easier than casting a man in a role and pinning him to your expectations. He seems pretty laid back but gosh I really don’t want to be pressed or trying to plan a relationship
Her primary job is very stressful and to add on the second job for suicide hotline wow that’s a lot
I paused the video and came to the comment section to say the same thing. That has to be mentally/emotionally exahusting.
If it continues, she will burn out.
I don't understand if she's working two jobs why he gets to play with his friends why isn't he picking up a second job especially if they're not married yet and the debt is mostly his
She picked a baby to raise not a man to love, respect and walk along side.
Do not lease a vehicle regardless because you’re not gonna have a vehicle when you’re all done and you’re gonna have to buy another one then it’s just a cycle. Just stop your cycles
Gail really didn't outline in their initial budget that it was him goofing off & taking a free ride. You know she would zero in on this with a vengeance. She roots out the delusions. In this case there is a lot that needs repairing in their house...their house they bought together. On the initial budget there is a notation for student loans. There is no indication that Beth had her degree paid off. In this case I really think it's the frame of mind that is at play.
Trust is earned Mr!
Don't have a shared account. Don't buy baby stuff and you don't have a kid. That's creepy.
Very very creepy
@@ruthirwin8222 its actually not creepy people actually believe if they manifest it itll come true its done out of desperation
And not married
They call it TOXIC masculinity for a reason.
I actually really like this couple...
Leasing a vehicle? Really?
If one or both of their cars is inevitably going to call it quits, leasing is obviously the better option. Remember how they emphasized the key was that it had lower monthly payments than buying? Would be hard to pay off debt or pay for anything for that matter if they didn’t have reliable cars to commute to work. They’re in no position to buy.
8 to 10 years old car is giving up?... me driving 2009 budget car...
Me driving my 2003 car 🤔😅
What are your cars
What's wrong with the cars they have? Sort the debt out first.
My dad always said it’s cheaper to fix an older car than to buy a new one.
The wife kinda looks like Kelly Clarkson
Yep. Walmart brand Kelly Clarkston
I was thinking the same 😂
Lol
Partners should each pull their weight. He doesn’t
Love the way they came together as a team
They need to live separately and each grow into their own before they merge their lives. Life is much easier when two people are debt free. It's not how much you make but how you manage it. it doesn't matter who makes more just know how to save, invest and spend less than you save.
No. Staying together and slaying the dragon will deepen their bond more than anything
Glad you could affirm life is easier debt free. Please tell us from where you matriculated so I can send tide pods for the next 10 years
Social worker making more than a software job, interesting
Beth should quit Steve! Debt problem solved😂😂😂
If you pause the video on the debt graphic, he really doesn’t have much more debt than she does because the student loan is hers (based on how Gail addresses the student loan at the very end). And they’re only spending $11 a month on entertainment, so he’s not racking up debt going out. And while she *is* making more money than he is, it’s $20k- not some insane imbalance.
I love his face at the end.
One keeps score when the other spends more and earns less.
Actually where did they say that? What is pointed out is how she likes to shop & buy loads of beauty products & clothing. The amounts of that spending was outlined specifically. Gail never mentioned how much he is spending. Gail says the woman's spending amount specifically over & over but never says what he is spending or feel the need to remind him of his spending. It appears as if she feels she makes more so she can spend more while beating him over the head with "his" debt.
They leased new cars to get out of debt?! 😅
Lol he says she should trust him? He doesn't know how to pay bills yet alone get groceries for the house.
Do not lease a car!
Maybe it could be worth it if did the pay off thing??? I dunno i always buy toyota corollas and run them as long as i can. Maybe it can make sense? Do they pay toward the principal with leases? Idk
@@Brooklyn-rj3np a car lease isn't the same as a car loan. With a lease, you pay a small monthly payment to borrow the car. You won't own it unless you buy out your lease, and in most cases, the total money spent is much more than it would have been to purchase a car with a loan from the beginning.
Dave Ramsey calls it "fleecing" a car! Never pay for what you do not and will not own.
Do what Ramsey says- buy the used car you can afford to pay cash for, even though it may be pretty ratty. Run it till the wheels fall off, and while you do that, save rhe money you'd spend on car payments. When your junker absolutely quits on you, take the money you've saved and buy a slightly better used car, rinse and repeat. At end of a few years you can pay cash for a quite decent, fairly recent model vehicle.
Actually leasing, at least for me, was beneficial. I don’t drive a lot and I need a car for medical appointments. I will never buy a car
Mommy got herself a little boy
Wait, what? Hes in the tech industry making less than a social worker????WTAF????
Never lease
Who told this guy that he's funny?
Leasing is daylight robbery poor advice
Sweet success!
Mmmm. She wanted him to make more money. Yet, supposedly she was doing work she really enjoyed, and the work challenge was reflected in her pay. If she really wanted him to "make more", she could have quite and got a job in an office answering phones. Nuts. Find a job you like and enjoy. Take all the rewards from it you can. And really, it didn't show he was spending that much more than her, and at the final tally she was the one with the student loan that lingered longer than the consumer debt. This was a total head space adjustment necessity.
leasing a car is a waste of money
OK am I seeing this wrong? She has two jobs to take care of his dad and he’s going out and having fun but I see all the women riding saying she’s the bad guy but she’s not the one that wrapped up all the debt.
if you want someone to take care of you get a sugar daddy. as a couple take care of each other
Keep the cars until they break down , then buy
His face at the end made me laugh so hard I love that
You know you can buy a USED car.
What a cute couple
With food increase how old are these
This one aired November 2008.
Omg!!! I'm a Gail junkie, can't believe i hadn't seen this episode!!!😂😂😂😂
Love Gail & Dave Ramsey! ✅️👍
My God! Payment buying?? IS this for real?
He looked very tired after getting up with baby all week.
I’m really disappointed that Gail steered them towards leasing a car. Sure the monthly payment is lower, but you’ll be stuck making monthly payments without building equity. It’s far better to buy a used car and hand into it linger than the payment period so you can enjoy years of no payments.
Cars loose equity regardless whether or not you Lease, buy or loan. Unless your finding scraps and building your own car from nothing there is no equity.
I think in today's day that one shouldn't expect that someone else "take care of them". Today there is opportunity for work for both sexes and neither one should be dependent upon the other. You both should be able to support yourself if push comes to shove.
Yeah that sounded so 1950's - I was shocked.
In a true marriage you share responsibility. My dad worked while my mother took care of the house and kids. That is the ideal. It is best for the kids and the marriage.
I mean I kinda understand her. If they actually decide to have children, she’ll be the one having to carry out the pregnancy. She’ll have to recover from it and during that time he needs to be able to take care of her
Maybe it was the way I was raised, maybe it's a God thing but I never lived with anybody. If they're not good enough to marry, they're not good enough to live with.... I don't know why all these young girls are moving in with men. I feel so sorry for them... This young lady would probably be just fine on her own making 60,000 a year....
She looks a bit like Kelly clarkson
Going on on good terms 😌 0
A sad sad state if affairs. Guy is utterly pathetic
He works full time and stepped up. That pretend baby was up every hr of the night.
Seems a theme on this show.
I think he’s only with her to get his debt paid off by here. I don’t believe that he actually wants to provide for family. If he did, he’d be working a 2nd job too
He's a computer programmer and the hours are usually unpredictable. You may be called in if there's a problem and it could take hours to fix.
OK are usually agree with Gail but why is she wanting them to get a new car or whatever I mean I have an old car I know most people have an older car if you change the oil and take care of it I don’t see why you would do that . Again, like I said, I wish they would have a show on realistic people that are frugal so we can learn frugal Waze, not yucky, creepy Waze, real frugal Waze.
It personally annoys me when Gail acts like gender roles are this unnatural instinct, when it’s anything but.
Sorry, the baby challenge is total BS, you have a bond with your actual child and soothing and comforting them is good bonding. Also many baby's don't cry that much, mine did not, just fed and went right back to sleep.
HE doesn’t think he has to provide fully, SHE constantly whines and is bitter about it so he’s starting to believe her bullshit. 😢
He was great with the baby.
It is the man's role to be the protector and provider. She will leave him if this continues.
As a married woman, my husband and I are a team. Who cares who earns more? Backwards mentality.
Another young balding Canadian guy. What's with it?
She's "paying his debt" because all money went to pay HER debts first.
...but let this serve as a warning to men; if she earns more than you, she WILL deeply resent it, and the end will come shortly after.
Really? If that's the case they should have mentioned it.
@@jtidema ; it was there in a blink-and-you'll-miss-it moment. No one wants to draw attention to that sort of thing...
If she's the one working two jobs, then of course the money went to her debts first. I don't think they should combine finances since they clearly haven't had the right discussions about it. It seems too soon.
I’ve always made more than my partners. Statistically, not many people earn more. I don’t think it’s a problem if each partner pays half of the living expenses.
When my husband and I married I made more than him. We combined finances. All of the money was our money. A few years later he made more. It has never been an issue because we both worked hard to pay off our debt and run our lives.