LOL she literally smacked him on the head. Ya gotta love her straight forwardness. The world needs more people who care enough about others to tell them what they need to hear, not just what they want to hear.
I liked this couple. They were just in a situation that they were over spending to feel better from. As soon as they got direction, it all worked out for them. I hope they are doing well :)
Whole life is not the best option. Term for 20 years. Pay off debt. Save money. Kids will be grown. You don’t need that much coverage if kids are ground they have no debt. He needed a whole lot more coverage to replace his income while the kids are young and they have debt. She needs some coverage too.
You can get a whole life insurance that you only pay for 10-15 yrs. And tbh with the cost of living going up my "grown" children may need that money one day just to get by.
@@alicec552 Yes, we paid 15 years, it's paid off, we're insured for life, and we can use our policy benefits for long-term care. We can also use the earnings for income during retirement. It was worth it to us, but I know Dave Ramsey says never get whole life. I say it depends on the circumstances. It's not for everyone, but term life is definitely affordable AND essential.
Sending him to an insurance agent to research insurance coverage is kind of crazy. Someone who sells insurance makes a LOT more money when someone buys whole life insurance, that agent has a financial incentive to make whole life insurance seem like the right choice.
These are old shows, I bet they could revive the series just doing a "revisit/refocus" series where they return to previous shows and show where they are now.
Bring Gail to the USA to do this show. We need it, and unlike Dave Ramsey, for example, there is no republican or Christian bias - just money and life and relationships. But noooo, this is probably to sane and sober for us. Senseless drama see sells, financial illiteracy and flexing keep things going. Maybe Gail and Jaspreet Singh from minority mindset should team up! That would be an awesome series!!
From just watching the beginning of the show, it looks like this couple has a massive power imbalance. He makes the money so he does what he wants without talking it over with her
I don't understand how they lost the first house? Couldn't they rent it out and generate income while living in Calgary? It's really not explained very well, and it's a very serious financial mistake.
Being a landlord is a serious financial risk as well. You could have perfect tenants on paper, good credit, great income, no evictions or criminal record and they destroy your home. I had happen. Over 25k in damages, they even stole my stove and refrigerator from the house when they moved out. If I had any clue where they moved I would have them arrested. They have warrants out for their arrest for grand theft and destruction of property.
@@kristyb5821agreed! I’m a commercial property manager, tenants do what we call moonlight skips….owing 10’s of thousands…tons of damage to the suite. I can see being a private landlord could torpedo your finances. I would never do it personally, I would be stressed all the time since I know how shady people are.
Whole life is crazy. I have a term policy, and by the time it expires, I will have saved much more than the difference between that and a whole life policy. But if I don’t make it, my family will be protected, which is why I have it.
I used to watch this program when it first aired...in the 90's. The advice I'd give parents today, rotate the toys, hide some of them, take them out every 3 months...don't buy new. Once they're older you can sell them. The activity they did with the kids is what I did with mine. Bring snacks & reusable water bottles from home. I think once her kids are school age she should work !!!!
I have never been a big fan of manicures. To me, the nails look completely fake. Natural nails that are buffed or maybe a little clear polish or a simple French manicure looks so much better. You can give yourself a pedicure with some epsom salts and a foot bath. People find all kinds of ways to waste $. I think this lady wanted to spoil herself. Partly to get back at the husband for spending recklessly and partly to get out of the house. They really improved as the show went along.
I have had gel nails for 14 years. they are stronger and thicker. they never break, I have never even had a hang nail. every 5 weeks, $50 CAD, 1 hour. my time is worth a lot more than what it would cost to have them done and I find doing nails very difficult
They should be teaching their children the difference between “their” and “they’re.” As for whether they know the value of the American dollar: probably not, considering they’re Canadian.
Probably uses a simple online calculator where you enter how much per month you are putting in and then also make assumption about the average rate of return over like 30 years or something.
She should have term insurance until kids can be l egalky kept home alone. If she died, kids would be in daycare which is very expensive, and he would have all duties, so might need cleaning service once in a while.. She definitely needs insurance
Why a landline and a cellphone? Granted,.this was.quite some time ago, but there's a reason landlines went the way.of the dinosaurs. Cutting the cable would help a lot too.
Our challenge is cost of food. My husband works nights on weekends we eat at home. Never eat at restaurants. My husband loves to cook. Eating healthy is expensive fish, steaks fresh veggies. I spend 200.00 per week in food. Joined bjs shoppers club. Saved $$ on coffee paper products tollietries etc. Still I would like to save about $50 per week. Any suggestions? I am very frugal I don't know how families with kids do it. Live on Mac and cheese fast food. Not our lifestyle.
Local farms are good source of healthy fresh foods. I think some people find organic small farms near them and buy cheaper. Maybe start your own garden? I have a gigantic yard and am planning to start veg growing next summer with potatoes and salad veg. Also my Wal Mart has lot of staples that are organic for a lot less than regular stores. I dont eat a bunch of processed junk either. 🤷🏻♀️
Top quality fish can arrive at your door for less than store prices from Wild Alaskan Seafood Company; we also have used Hello Fresh and saved because the food is excellent and you get just what you need and no waste. Also, increasing veggies and whole grains and legumes can keep protein and other nutrients high with smaller portions of meat. Check out what other cultures do and often you can get great inspiration from them (tortillas and beans, rice and veggies with a little meat, etc.). Good luck! I know it’s hard but you sound intelligent, you can do it!
Give up steak and coffee. That should save you plenty. Eat smaller portions of meat and larger portions of vegetables, particularly high-fiber, cruciferous vegetables like broccoli, kale, Brussels sprouts, kohlrabi, cauliflower, cabbage, etc. Try intermittent fasting (give up breakfast) and drink only water. Eliminate refined or processed carbohydrates: leave the skin on potatoes, and switch from white rice to brown rice. Since you belong to a warehouse club, buy the rotisserie chickens regularly. They are the best deal. Each chicken should provide enough meat for four meals (or two meals for two people). You can boil the carcass when you’re done and make your own stock. Other inexpensive meats are pork chops, pork shoulder, and ham. If you must eat beef, buy London broil instead of steak, or buy chuck roast and make a pot roast. Don’t grocery shop when you are upset, sad, angry, excited, nervous, anxious, or hungry. Host or attend potlucks frequently, and always make the cheapest dish you can get away with (“vegetarian” food is great-no money spent on meat!).
Life insurance on it's own is the worst advice to give people, best to put that money into your superannuation that has life insurance built into it and up the amount, that way if you live you get that money you have put into it and not just waste it.
Watching during/after COVID, I totally cringed when the little one put community toys in his mouth. I would never be okay with that but it was especially hard to watch. But I know it's inevitable - that's what babies do.
@Let’sGrow AndProsper Two years of hundreds of thousands of years of living does not a weakened immune system make. We were built for that baby's behavior.
I love this show but this time the numbers don't add up. If he owes 60k and she owes 3k how can they have everything paid off in a month at 3k per month?! It would take at least 21 months not counting interest - still not bad. Did I miss something? Somebody help.
You are correct. Gail often just says this wrong. What they do over the few weeks is to come up with a repayment plan, not actually pay the debt. That would be impossible.
SEND WIFE WORK GAIL. EVEN DAYCARE SHE CAN TAKE IN AT LEAST 2 KIDS A WEEK. UNLESS SHE MARRIED WITH ALOT OF HER OWN $$$$ HIHO HI HO OFF WORK YOU GO. EVEN FROM HOME 🏠
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
LOL she literally smacked him on the head. Ya gotta love her straight forwardness. The world needs more people who care enough about others to tell them what they need to hear, not just what they want to hear.
As a stay at home mom, I KNOW you have to get out of the house. Depression sets in and then it gets so hard to leave.
I love when the couples are grateful for the help.
How refreshing to have a couple on here who did what they were told to do . I hope they succeeded
They're a lovely couple. Pulled together. Got it done. Good for them!
Great enthusiasm and teamwork. I hope they are now debt free and happy. ❤ We need this show back especially now!
I liked this couple. They were just in a situation that they were over spending to feel better from. As soon as they got direction, it all worked out for them. I hope they are doing well :)
term insurance. NEVER whole life.
4:48- Gail hitting him in the head is priceless.
*Gayle, you have the best witch laugh!* 🧙♀️ ♥️ 😄
Giving me total Halloween vibes!🎃 🍁🍂🕸🕷
Oh my god, whole life insurance is such a scam. Somebody should have warned him about that garbage.
I have term, but it quadruples in cost after age 60.
@@theseeker4700Yes that is probably true but the vast majority of people don't need insurance when they are 60
Whole life is not the best option. Term for 20 years. Pay off debt. Save money. Kids will be grown. You don’t need that much coverage if kids are ground they have no debt. He needed a whole lot more coverage to replace his income while the kids are young and they have debt. She needs some coverage too.
The kids are ground? What is this, Sweeney Todd? I've heard Dave Ramsey joke about "sell the kids", but...
Agreed
Whole life is always pushed cause the broker makes the most money. Most people rarely get the cash benefit. Buy long term life.
You can get a whole life insurance that you only pay for 10-15 yrs. And tbh with the cost of living going up my "grown" children may need that money one day just to get by.
@@alicec552 Yes, we paid 15 years, it's paid off, we're insured for life, and we can use our policy benefits for long-term care. We can also use the earnings for income during retirement. It was worth it to us, but I know Dave Ramsey says never get whole life. I say it depends on the circumstances. It's not for everyone, but term life is definitely affordable AND essential.
What a sweet young couple! I would love an update.
First couple that is honestly grateful.
Sending him to an insurance agent to research insurance coverage is kind of crazy. Someone who sells insurance makes a LOT more money when someone buys whole life insurance, that agent has a financial incentive to make whole life insurance seem like the right choice.
I’ve always read term is the way to go. Whose Whole life is a rip off with a very low rate of return.
Do they ever show these couples a year or so after this? It would be good to see if they make their goal. Good luck to them
I wonder to. It would be great to do a follow up on the people who are on the show
@@decluttering-queen1898 I agree, it would be the end of the story for the program
I would love to see updates.
These are old shows, I bet they could revive the series just doing a "revisit/refocus" series where they return to previous shows and show where they are now.
no. i suspect most of them dont stick to the program. human nature is to go back to your old habits just with 5 thousand more dollars
Such a cute beautiful family..they just needed some guidance
That life insurance quote was too high. 12x 128k does not 2.4 million make. Also, he was chasing commission, offering whole life - blah.
Definitely chasing commission. He should have bought level term insurance.
Yes I thought the same!
Lovely couple. Happy for their progress. Glad they had fun and made the most of what they can learn from the show.
These two were so good - very into it- just needed someone to help them see how to
Gail couldnt do this show these days she would get sued for being honest 😅
She'd hurt the snowflake's FEELINGS. They'd feel disrespected and say she was a HATER. 🤭😆🦘
All of her skincare sure works. She has beautiful skin.
She's only 30 years old.
I was thinking the same thing, lol
Lazy, pampered, and useless. Maybe she should focus more on weight loss instead of skin care?
Very pretty
@@Fishouta exactly
She is adorable… so glad they did well.
Credit unions membership offers term life insurance at very reasonable prices.
Gail is so likeable. Firm but fair. What you see is what you get
Bring Gail to the USA to do this show. We need it, and unlike Dave Ramsey, for example, there is no republican or Christian bias - just money and life and relationships. But noooo, this is probably to sane and sober for us. Senseless drama see sells, financial illiteracy and flexing keep things going. Maybe Gail and Jaspreet Singh from minority mindset should team up! That would be an awesome series!!
NEVER whole life insurance!!
Cute couple. He made such a good salary, that he was debt free in no time.
What an adorable couple!
Not buying plastic crap for the kids....which the kids neither need nor appreciate...funny how.big a hurdle they perceived that to be.
Nice couple. Gail went easy on them because they worked hard and were willing to follow Gail's advice.
From just watching the beginning of the show, it looks like this couple has a massive power imbalance. He makes the money so he does what he wants without talking it over with her
I do not understand how you can spend money you don’t have.
Credit
I don't understand how they lost the first house? Couldn't they rent it out and generate income while living in Calgary? It's really not explained very well, and it's a very serious financial mistake.
Being a landlord is a serious financial risk as well. You could have perfect tenants on paper, good credit, great income, no evictions or criminal record and they destroy your home. I had happen. Over 25k in damages, they even stole my stove and refrigerator from the house when they moved out. If I had any clue where they moved I would have them arrested. They have warrants out for their arrest for grand theft and destruction of property.
@@kristyb5821 that terrible
I just learned about landlord insurance, maybe you could look into it if you still rent out your home
@@kristyb5821agreed! I’m a commercial property manager, tenants do what we call moonlight skips….owing 10’s of thousands…tons of damage to the suite. I can see being a private landlord could torpedo your finances. I would never do it personally, I would be stressed all the time since I know how shady people are.
Their son is a DOLL 😍
Yeah that whip. He doesn’t seem to mind.
Whole life is crazy. I have a term policy, and by the time it expires, I will have saved much more than the difference between that and a whole life policy. But if I don’t make it, my family will be protected, which is why I have it.
I used to watch this program when it first aired...in the 90's. The advice I'd give parents today, rotate the toys, hide some of them, take them out every 3 months...don't buy new. Once they're older you can sell them. The activity they did with the kids is what I did with mine. Bring snacks & reusable water bottles from home. I think once her kids are school age she should work !!!!
Love these 2..evelyn is a treasure
They were so cute. Hope they are having a wonderful life together!
I need to know how they’re doing today
Lol, the while life insurance huckster. Worst thing you can do.
Lovely couple :)
Something I notice is all the manicures and pedicures it’s like $100 and what does it last two weeks it’s just paint on your nails I don’t get it
I have never been a big fan of manicures. To me, the nails look completely fake. Natural nails that are buffed or maybe a little clear polish or a simple French manicure looks so much better. You can give yourself a pedicure with some epsom salts and a foot bath. People find all kinds of ways to waste $. I think this lady wanted to spoil herself. Partly to get back at the husband for spending recklessly and partly to get out of the house. They really improved as the show went along.
67. Never had a manicure or pedicure in my life. 20 mins to do yourself. Paid off my mortgage in 6 years. Priorities! 🤔🤷♀️🦘
I have had gel nails for 14 years. they are stronger and thicker. they never break, I have never even had a hang nail.
every 5 weeks, $50 CAD, 1 hour.
my time is worth a lot more than what it would cost to have them done and I find doing nails very difficult
Renting making $148,000 a year. Really!
*$128,000 net*
@@Naturefan354 Still …. This was around 2008, not now. The gross should have funded a house.
LOL 😂, is Calgary supposed to be the “middle of nowhere”?
I've never been so self indulgent as she was. Spa, Really. I didn't go to a spa until my children were grown.
Don’t do whole life insurance
Spending THAT MUCH FOOD $$$ JENNY CRAIG
Lovely couple. They did well. I wish we could see how they are doing now!! I want this show back with today's economy
He NEEDS SOME BALL'S GOOD LUCK
Part of being an adult is saying no. Their not teaching their children anything or do they even know the value of the American dollar.
They should be teaching their children the difference between “their” and “they’re.” As for whether they know the value of the American dollar: probably not, considering they’re Canadian.
@@drewconway7135 lol!
@@drewconway7135 eh?
They're Canadian!
@@christinebutler7630 Already covered, but thanks for playing
Gail, I think you meant to say life insurance, not disability insurance. Although having both would be ideal.
Hi! Does anyone know how she calculates the retirement plan??
Probably uses a simple online calculator where you enter how much per month you are putting in and then also make assumption about the average rate of return over like 30 years or something.
A financial calculator has the ability to quickly calculate present value, future value, etc.
Why did she not have to get life insurance?
She's a stay at home mom, no income. She should have a small policy.
Some policies cover the whole family, mine does
She should have term insurance until kids can be l egalky kept home alone. If she died, kids would be in daycare which is very expensive, and he would have all duties, so might need cleaning service once in a while.. She definitely needs insurance
They always take out life insurance before.....well, you know what I mean.🤭😆🦘
Andy made equivalent of close to $180 k in 2024!!!
Why give these people a gift certificate to a SPA? Isn't blatant self coddling overindulgence what got them in trouble in the first place? SMH.
Like when she gave the female couple a booze tour voucher when one of them was a borderline lush.🤔🦘
He's on $128,000, should have been able to manage on that. Just stop shopping.
Why a landline and a cellphone? Granted,.this was.quite some time ago, but there's a reason landlines went the way.of the dinosaurs. Cutting the cable would help a lot too.
Yeah, in all these episodes cable is seen as a basic necessity. Maybe because there's never any books in these houses!
no youtube back then to watch , not really
No streaming services and smart TV. Cable was a big thing.
Rip Ontario place.
Again, how are you in debt with 128,000 USD income...?
It’s Canadian dollars but still, it’s a very good income for the time
Spending without thinking.
Our challenge is cost of food. My husband works nights on weekends we eat at home. Never eat at restaurants. My husband loves to cook. Eating healthy is expensive fish, steaks fresh veggies. I spend 200.00 per week in food. Joined bjs shoppers club. Saved $$ on coffee paper products tollietries etc. Still I would like to save about $50 per week. Any suggestions? I am very frugal I don't know how families with kids do it. Live on Mac and cheese fast food. Not our lifestyle.
Local farms are good source of healthy fresh foods. I think some people find organic small farms near them and buy cheaper. Maybe start your own garden? I have a gigantic yard and am planning to start veg growing next summer with potatoes and salad veg. Also my Wal Mart has lot of staples that are organic for a lot less than regular stores. I dont eat a bunch of processed junk either. 🤷🏻♀️
Top quality fish can arrive at your door for less than store prices from Wild Alaskan Seafood Company; we also have used Hello Fresh and saved because the food is excellent and you get just what you need and no waste. Also, increasing veggies and whole grains and legumes can keep protein and other nutrients high with smaller portions of meat. Check out what other cultures do and often you can get great inspiration from them (tortillas and beans, rice and veggies with a little meat, etc.). Good luck! I know it’s hard but you sound intelligent, you can do it!
Coupons and planning your meals around the sales
Not sure where you live but dollar stores are great for some food basicsx
Give up steak and coffee. That should save you plenty. Eat smaller portions of meat and larger portions of vegetables, particularly high-fiber, cruciferous vegetables like broccoli, kale, Brussels sprouts, kohlrabi, cauliflower, cabbage, etc. Try intermittent fasting (give up breakfast) and drink only water. Eliminate refined or processed carbohydrates: leave the skin on potatoes, and switch from white rice to brown rice. Since you belong to a warehouse club, buy the rotisserie chickens regularly. They are the best deal. Each chicken should provide enough meat for four meals (or two meals for two people). You can boil the carcass when you’re done and make your own stock. Other inexpensive meats are pork chops, pork shoulder, and ham. If you must eat beef, buy London broil instead of steak, or buy chuck roast and make a pot roast. Don’t grocery shop when you are upset, sad, angry, excited, nervous, anxious, or hungry. Host or attend potlucks frequently, and always make the cheapest dish you can get away with (“vegetarian” food is great-no money spent on meat!).
I cant watch this these people are so stupid me I live off of 1500 a month and still manage to save at least 100 a month what's wrong with them
an Experience architect? What type of job is that?
Add a "d".
Isn’t it their debt? I see she’s saying her debt and his debt.
I feel tented to send this video to my stupid ex wife,she's was a champion spending my hard working money,im sooo glad i got rid of her...😅🤣😂..!
Not bitter much then? 🤔😆🦘
Did he buy whole life insurance?! Hope not...
I don't know anyone with life insurance - Australia. I don't think it is a big thing down here.🤷♀️🦘
Cute couple
He kerps saying "i" and " my". She srarted with "we".
Life insurance on it's own is the worst advice to give people, best to put that money into your superannuation that has life insurance built into it and up the amount, that way if you live you get that money you have put into it and not just waste it.
This couple must be Maltese!
Emotional spoiled juveniles!
Who cooked the romantic dinner?
Her insurance advice is whacked
Be way CHEAPER GROCERY SHOPPING EASY PREPARED FOOD'S
Please stop with the shouty capital letters
Watching during/after COVID, I totally cringed when the little one put community toys in his mouth. I would never be okay with that but it was especially hard to watch. But I know it's inevitable - that's what babies do.
It is very good from their immune system.
@@annamartens2967 We can agree to disagree. 🤣🤣
@Let’sGrow AndProsper Two years of hundreds of thousands of years of living does not a weakened immune system make. We were built for that baby's behavior.
@@dmnmt6591 don’t sweat the small stuff
I love this show but this time the numbers don't add up. If he owes 60k and she owes 3k how can they have everything paid off in a month at 3k per month?! It would take at least 21 months not counting interest - still not bad. Did I miss something? Somebody help.
You are correct. Gail often just says this wrong. What they do over the few weeks is to come up with a repayment plan, not actually pay the debt. That would be impossible.
How is that pretty girl with that guy??
SEND WIFE WORK GAIL. EVEN DAYCARE SHE CAN TAKE IN AT LEAST 2 KIDS A WEEK. UNLESS SHE MARRIED WITH ALOT OF HER OWN $$$$ HIHO HI HO OFF WORK YOU GO. EVEN FROM HOME 🏠
Stop shouting and stop telling her what to do
Have these people never heard of charity shops for toys and clothes there great
Gail, you saved our life 🥹🥹
Are you the one on that show?
Evelyn is quite attractive.