Couple Can't Overcome Minumum Payments - Til Debt Do Us Part - Debt On A Tight Rope
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- Опубликовано: 7 фев 2025
- Newlyweds Karissa and Karl have everything - a new home, two vehicles and a new baby. Because they make their minimum payments on time every month, they’re perfect credit clients and they have the massive credit limits to prove it. During their short marriage, they’ve used that credit to rack up over $80,000 in debt. Karl wants to focus on paying down the debt, but Karissa thinks they can do it “later.” Will Gail be able to help this couple find the balance between their income and their debt? .
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Let's write to the producers we need more episodes to keep ourselves in check 😂
And updates!
Can't disagree here 😅
“I didn’t care but now I have to care” that about sums it up
The FACT the husband is already thinking of divorce, and has come to terms with it, as WELL as the wife, saying “maybe I am better off without him”….that is a HUGE red flag, and they should just split up….because no amount of counselling is going to change minds that have folded the cards- period
That was until Gail told him that he owed half the debt and she got half the house and custody of their son.
Men and women are different when it comes to this kind of thinking. When the woman has accepted that they need to be divorced, there’s almost no changing that mind. When a man thinks the same thing, it’s situational and can be changed if circumstances change consistently for a period of time.
Before I scrolled down, I knew this would be a top comment. You have no idea the questions the producers asked her to get this answer. I was once interviewed next to another couple about my marriage. They filmed and edited it to give it the impression I was in a lesbian marriage because the girl next to me was also answering questions about her marriage. They kept asking the same questions with slightly different phrasing till they got a tv worthy response. Its wild what they can do.
I like Gail a lot, she is direct and to the point.
It's crazy how the wife said maybe she'll be better on her own. You'll be a single mom raising a kid alone, with low income and debt. Make it make sense! 🤦🏾♂️
Yeah... 🙄
Government assistance she will never be by herself only men can truly be by themselves
She's a nurse.
Plus obese
She is an RN
I think she's spending so much because she feels the void in her marriage. There's no chemistry/respect between them. The moment he said he only cared about their situation because he would have to pay half her debt in a divorce, that's when i knew he had checked out.
He is the one with the most debt.
@barbaramorgan6313 Did you see Mario on Princess or Ashley, they were beyond horrible. Spoiled, Narcistic, and delustional.
I can't believe how many credit cards they had! This couple was so strange!!!
Yes 😁 some folks think that they are all that when pulling out a Credit Card 🙄 that is nearly maxed out.
I have ONE only because it’s getting extremely difficult to rent a car without one these days. We set up auto payment (in full) every month to avoid any interest and penalties. Getting credit cards out of lives was one of the best decisions my wife and I ever made.
Being a nurse working 12 H.R. shifts is difficult, but with that much debt work one extra a month will help.
If she is still in debt as of 2022 she can work as a travel nurse for a 50 per hour salary
I'm also a nurse. They throw overtime out like Halloween candy. They are always needing extra help at the hospital
At least you don’t spend in the 12 hour shift
$80,000 in consumer debt ? 😳
The most I ever had at one time was around $5,000 and that really bothered me. So I worked hard to pay that off and never had debt again
I have close to that but then I remember that mine are student loans which aren’t “really” consumer debt and at least resulted in my current stable job w/ benefits (and decent prospects for a similar or better one if I lose that job for any reason). It’s credit card debt that truly stings when for lots of people it results from just not paying attention for years on end & rarely actually improves your quality of life noticeably anyway day to day.
The most i carried a balance on credit card was $2000 years ago ... and that bothered me !!
I had close to that because of medical, I worked my butt off when I started getting my health under control. But I never cried like that. I figured it out.
@lindsay3995 fool
I think the biggest lie is the idea that children should always have more than their parents had. If the world really worked like that there would be no poverty. Plus circumstances change, I have more education than my parents but they had the economy of the 80ties 😊
10000% TRUE!!!!
every parent wants their kid to have more than them. But at the end of the day- what the kid will remember is the memories- YOU being there for them, encouraging them, teaching them to be their own person-the love and how you empowered them is what they will remember more than the stuff you left behind
The economy is relative. The 80’s were pretty bleak in the USA but my parents did well.
Not once have in this video did they consider changing jobs to make more money. Just getting a side hustle.
While I agree that we can’t 100% control our circumstances, blaming failure on external factors will never get you ahead in this world.
@@thomasreedy4751 nostalgia frequently causes people to see the past in brighter colours than the present ......
I agree!!
we need updates on these couples as you upload the episodes so we know if they are still together of got separated.
Given their level of enthusiasm, I'd be surprised if they are still together.
I always wonder if these couples made it this show ended so long ago
I was wondering the same thing. Both of them look like they left a long time ago.
Their son would be about 15 now. I wonder how messed up he is.
@@vannisworld these two looked like they checked out before the show aired.
He hates her guts 😂
I truly hope they were able to stop spending and blaming, and start working together to rebuild their marriage and practice financial sobriety.
The dude literally said the most challenging part was giving his wife compliments. 😅
I'm going to be a bit more generous to their relationship than most people here and say that they have a chance but need couple's therapy... They are still casually, physically intimate with one another in a way that suggests they care about each other. They just need help.
That's quite a nice take on it. I always hope people are happy and there's no heartbreak. From what they say at the beginning, I'm not totally sure that they were all that keen on each other in the first place.
I suspect she has turned to food to make up for her husband's coldness.
She is going to be a nightmare as an ex wife co parent. She doesn’t get it
At least he’d no longer be tied to her debt.
Gail said he would be because it was created while they are married and also she gets half the house.
A garage sale will earn quite a bit of extra money. Regardless if you get retail value...there is value. The children's toys and clothes, household junk.....can bring a good amount!
No tears about stuff!
You have your health and a family. ♡
Eh, I kinda disagree. If you have at least a handful of some higher ticket items. Many people are better off donating junk, Facebook marketplacing the most lucrative items and just doing some Uber for the hours that would have been spent setting up and running the garage sale.
Over spending on random crap is almost always a symptom of unhappiness within the relationship, the debt just shows you already had problems then gives you something else to argue about.
It would be so helpful to identify what was already broken before the spending started or they will just go right back to it.
Totally curious if this couple is still together 👀
Gail is such a good teacher
Wow.. Paid $5625 for the china cabinent originally?? That type of big heavy furniture goes for next to nothing at estate auctions and downsizing sales. Not many people have the room for or capability of hauling away on the spot to make a snap decision and buy it used.
This is what happens when 2 kids play house and have a kid. They have no sense of their responsabilities. Their best bet would have been to sell the house , all unnecessary stuff and go their separate ways. There is no chemistry between them, they are strangers who had a kid.
“Stop acting like Dicks!” 😂😂 I laughed soo hard
I love Gail so much! lol she has a way with words
Threw me out of my chair 😂😂😂
She saved their marriage, now they have to keep it up, I hope they are doing well. :)
Just surprised they got married … 🤔 something is off here
He looks soooo much younger then her
How sweet ist their little boy😍
I have 5 credit cards. About 6K in debt-down from 9K 4 months ago. Working hard to get them paid off- had several emergency's (car repair, water heater blew up) over span of 6 weeks and my savings went "poof". Yes, I've had to pick up some side hussles (door dash/instacart) and put in some overtime getting it paid down fast as a I can-I HATE having this much credit card debt and it needs to be gone asap. My credit score is 750, hubby 725. I'm having major issues getting a personal loan to pay off all that debt at once for less than 19% interest. How the HELL did this couple manage to get 17-20 credit cards?? blessed Jeebus!
Its great you cant get as many cards these days . Literally why 2008 happened
In the US, Americans owe over 1 trillion in debt!!
9/10 times I say the girl could do better than the current guy. This isn’t one of those times.
💯
Sheesh she just brought a baby into this world
@@smallsmall5062 yes, and?
My husband has a good friend like this he a 10 and his wife is a 0 we have never get it
@@annawhite8853she’s insane in the boudoir I bet
I hope this couple made it, thus far! Good luck
nope, the did not
@@monsieurfortuna9952how do you know? Is there somewhere you can see where all the couples r now?😊
No one should own 19 credit cards...wtf !!! Sell most of your things. If you have to move into an apartment temporarily do it. You have to live below your means. That's the secret...
I managed to get 16. Five of them have no balance. The balance transfer sucked me in it’s a bad habit for sure
Balance transfers and loans. Loans are better because you know when it's paid off.
I kmow, every now and then I'm having a little trouble keeping up with the one I have and I'm paying every month. I can't breathe imagining having 19 of those 😳
How does one keep track of which card is which?
I have ONE! ONE CREDIT CARD!!!!! HOW THE HECK DID THEY GET 17?????
A lot of these episodes were filmed pre-2008 financial collapse. Creditors were a lot looser back then.
They are Shopaholics. They need to keep up with the Joneses.
Same... Only ONE enough
I have two but one is exclusively for vet bills and I have six months to pay it off until interest accumulates. At 27%, I always pay it off on time.
The other is for emergencies and large bills which I try to pay off before interest accumulates.
Wow, she totally doesn't care or get it. And she's not even nice.
I liked this couple. Hope everything turned out ok for them.
Right at the beginning; I don't think that there's a lot of hope for them as a couple. It doesn't seem like they were really all that confident in the relationship at the outset.
At the end, I think that maybe they were both so disconnected and emotionally worn out from living with a sort of housemate where things aren't going well, that maybe with a bit of effort, they can at least become amicable.
The love and desire to stay together has to be there, though, otherwise they are just good "partners."
She’s buying all kinds of stuff. Don’t see him refusing to eat the take out food
I wish we could get an update on how they are doing now
If my husband can’t live with staggering debt, I’ll just leave him…… now THAT’S a solution. For Gail to get into the reality of divorce in five minute? This couple hasn’t got a prayer. I’m shocked she is an RN…..doesn’t seem bright enough.
Chocked also... selfish idiots. Was so happy when he saw a little bit of a light "I am not having a 2nd child before we add the costs".
@@valeryjohnson7937 …….before they add the costs and while she debates staying in the marriage.
Im a retired nurse and im appalled at the lack of compassion this nurse has for her own husband
When I was young, I worked in nursing and found that nurses usually fit into one of two camps. One was the efficient, no nonsense, deal with life type and the other was the head in the sand, flaky, emotional wreck type. This woman is the latter.
Not common for the guy to be willing to do the work and the girl to be so negative. Is he faking it to the cameras?
I've seen this before, many times...
I can't even get 1 more credit card..... how did they get 20 cards?
A lot of these episodes were made pre-2008 financial collapse, when creditors were giving out money like candy.
Easy money in those days!
They didn’t have to get rid of the new jeep??? All his toys??
Wife is very self centered! Gail saw it!
She's on leave, but they're still eating out? Yeah, she might as well go back to work.
I legitimately thought this was his mom.
Why did they get married and had a kid, for god's sake?
I'd be surprised if they were still married.
He said the hardest part was him complimenting his wife...what the fuck 😳
It's because he doesn't like women.
@@estellegetty1995 you really have a fascination with what you think are gay men. Holy smokes.
Carl lacks the ability to give what is necessary to have relationship and she buys to fill that empty hole
My question is do they get there cards back at the end
" on maternity leave, with 80 000 Dollars of consumer debt.
Gail to wife, 'you have got to get a grip on reality, becauce you have put more focus on stuff that each other, on mutual respect and on the responsibility you have up stairs. '(their new born.) L x
this is so much better than caleb hammer
I don't like him. Gail actually cares!
Like a lot of folks here, they don't seem like a natural, real couple. Something off about that chemistry. Or lack of.
Because like many people, they got married just to be able to say they’re married.
Fine I'll say it, they both like men!
@@estellegetty1995 yes, he probably just married to get a kid...
@@estellegetty1995 to share one day with his husband, lol
He is a lot better looking then her
They didn't make it I'm sure of it. I don't even think they like each other
He looks about 15
She looks 40!
Yep and hes the mature one lol
I think the wife needs to do more self care she looks exhausted
Nursing is a stressful career AND she just had a baby /she is technically still postpartum AND her marriage is rocky (I dont think he likes her much, which probably led to the spending) AND she is working overtime shifts.....yea I would be tired as well.
Gail worked her magic and saved the marriage and wow. Millionaires upon retirement.
Hope so!
No...there shouldn't be a joint account. I don't think they will stay together.
Keeping up with the Jones’s….
She's an RN!! She's getting paid good money. But her shopping is costing them. That and going out to eat.
She is terrible terrible. This guy deserves so much better
Am bless my husband is a good leader in all aspect.
Just one bank ,joint account so we both can have access and control.
We let each other know of we buy online and we talk if we plan to spend over 100 bucks since day one.
As a result, we have more savings that if any happens like loat of job we can still survive for two years .A wohhoping of 500 bucks below credit to build our rating.😊😊😊
How in the world did they get 19 credit cards???
It's not as hard as it seems. I bet they got some offers in The Mail, etc.
Easy. They have a steady income of over $100k and they probably make the minimum payments on their credit cards. They pay plenty of interest without defaulting. They're exactly what the credit industry loves.
Brilliant analysis 😮.
This was filmed before the recession when creditors were giving out credit cards and loans like it was Halloween candy
nurse working 12 hours a shift,,is good enough.....hey you, your partner what about you, how much u make
MONEY MONEY MONEY MONEY MONEY MONEY MONEY
My only issue is her asking an RN to work more than 12 hour shifs. Thar is dangerous to the patients.
RN's that work 12 hr shifts do so for 4 days a week. She can rest 2 days and one of those days maybe pick up a part time
@@prg4647 I'm an RN, I know how it works. I also know how EXHAUSTING those 12 hour shifts are and how you sleep on your days off to survive it
I am a nurse and often pull additional shifts. 4 on 5 off. If the will is there, she can do it.
I worked 100 hour weeks (sometimes more) in the oil field - every week with zero days off for up to 6 weeks at a time. It can be done.
I'm surprised Gail gave them so much money a week for entertainment
Why they look lost half the time…💀😭😅
Klarissa does, yes
19 credit cards, OMG!
I hope that they can make.for the little babies.
In europe she would have paid maternity leave for a year or 2
It’s in Canada so there’s 50 weeks of mat leave and 6 weeks of paternity leave (with option for additional unpaid leave). I took one year paid and one year unpaid for each kid.)
In USA it is 6-12 weeks 🤷
How can people not budget 🤯 ill spend maybe $100 a month on clothes. Too many credit cards 😮
In America, tools sell the fastest..
This couple is not likable.
Mostly its her that the least likeable....and shes a nurse....i was a nurse and if i was that unlikeable id cry
My impressions are that both of these people are grossly immature, and not nearly adult enough to make a marriage work. They are also both unrealistic, especially the wife saying maybe she'd be better off on her own. How? With two incomes at least you have some chance of keeping your home, car, and other things. On one income - with a child - I can't see how that's possible, especially since you'd have a new cost called childcare.
He looks like he is ten years old. And the lack of eyebrows is a bit creepy
Really great parents, considering throwing out the towel, with very little to no regards for their daughter and the life she would have with divorced parents. I give them two years before they are divorced and I'm being generous...
This aired in 2009....
@@maneatertiff so what? people who watch it now enjoy reading the comments.
Yes I am wondering what happened with them.
@@valeryjohnson7937 people comment as if it's a current thing. Stating a fact is, in fact, also permitted. Enjoy your day ☀️
Whoa, depending on the situation, LOTS of kids are better off with their parents divorced. Getting divorced is sometimes the best thing parents can do for their kids
At least they bought a house at the right time 😂
It's been interesting that in most of these episodes I hear one year maternity leaves and fathers also taking time off. I've not heard anyone I know do this. Most I heard is three months and this is do to responsibilities and finances.
I think the show is Canadian ?
Yes, the show is in Canada.
In Canada they get 1 year maternity leave.
This is in Canada. It would never happen in the US.
It's actually pretty common in most "developed" nations except the US because Capitalism is our overlord here.
down goes the lever when he sees the beaver!
FACTS. MY THOUGHTS EXACTLY.
Wowsers
I will be the ass here. She has spent like she was still working and let herself go. I know having a baby is tough and a long break from work makes it hard to jump back in the saddle...but if she leaves she gets to take the baby and dump half her debt onto him. He is the one in a bad space and I wouldn't be romantic to her either when she is threatening him with that.
Internalised misogyny for upvotes is nice. She "let herself go" because she had a baby for crying out loud. You know, grew a human being. She works FT as a RN and is a mother. This worm of a man - how much does he actually do around the house? How much parenting? How much of the workload? I actually dislike Gail in this episode because she's obviously not getting it and is projecting her own internalised misogyny onto the wife.
@@meowshaohhhhh…..someone learned a new term “internalized misogyny”. Tell me you’re a college student without telling me you’re a college student 🙄
18:06 “Get rid of any aspect of struggle in your relationship.” Well then bye, Karissa. I hope he dumped that miserable cow and settled down with a nice guy.
he's gay?
@@bjkl9936 Oh yeah. Big closets in that house
I came here for this comment haha
😂
The t-shirts.....Oh dear...
She wants $200 for a second hand playpen 😂
30 tops
That is what she paid for it... the point was that the resale value of things is a fraction of that, as in the hubby saying his tools will be worth almost nothing in a garage sale.
OMGosh!. It’s so simple. Live within your means. 😊
Carl is kind of cute though…
You cannot write a business contract worse than a marriage contract. If you make the most money in a couple, marriage is a losing deal. If you are a mooch and suck up money, marriage is for you.
Enter tainment too high
Karissa looks so tired.
I'm going to guess they probably met in church youth group, everyone else was pairing off and they just settled for each other instead of branching out past their high school - college pod of friends, all who they've lost touch with.
This is a strange couple. 🤷
anyone else getting annoyed with the amount of ads in these videos??
The yoga teacher was too beautiful.
How can you spend 6,000 a month
Wedding rings and ceremonies are unnecessary. Vacations are for retirees. Start in a starter (hint) house. Eat beans and greens for the 1st 20 years of marriage.
It is so annoying that the lady said I already have a full-time job. I’m not gonna get another one so she’s either lazy or entitled. She has no clue that a lot of people in this world have a full time job and a part time job I think she’s just lazy
Look, lol. I can pick at her too but being a nurse working full-time meaning for her apparently that she's doing twelve hour shifts.. after having a baby about a year before. Naw, she's exhausted. I can give her a pass on that. Now not having a garage sale and selling alot of their stuff to make back some cash, ok. Tho finding the time and energy to do the garage sale maybe difficult. Unfortunately FB market place didn't exist back then, lol.
She's a crybaby
Guy is a decent bloke and so is she
The guy doesn't seem to really give a crap about his kid
He was surprised to hear her dept is his if they split
What an odd pair, not often I say but he could do better 😂 edit she is really not a looker
No idea why they produce humans