WEBVTT - Libby | Featured on ABC's Betrayal: Secrets and Lies 

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<v Speaker 1>Hi, it's Andrea and we are re releasing some of

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<v Speaker 1>our past Weekly episodes and there's a good reason why.

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<v Speaker 1>For the last year, I have been working with ABC

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<v Speaker 1>on turning some of your favorite episodes of Betrayal Weekly

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<v Speaker 1>into a TV show. The show is called Betrayal, Secrets

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<v Speaker 1>and Lies, and it airs every Sunday at ten pm

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<v Speaker 1>on ABC. This week, we are re releasing Libby Henry's story.

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<v Speaker 1>Libby is fascinating because her story starts with something really small,

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<v Speaker 1>a moment most of us wouldn't think twice about. She

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<v Speaker 1>happened to be watching a TV show that made her go, wait,

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<v Speaker 1>I don't actually know that much about my finances, and

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<v Speaker 1>instead of brushing that feeling off, she talked to her

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<v Speaker 1>husband and she started needling. And when she started doing that,

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<v Speaker 1>everything unraveled. And what I admire so much about Libby

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<v Speaker 1>is that she's turned that moment into purpose. She wants

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<v Speaker 1>other women to know the business side of their marriages,

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<v Speaker 1>to ask the questions, to not find them in the

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<v Speaker 1>same position. And there's also something really tender about her

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<v Speaker 1>story that stayed with me. Her engagement ring was a sapphire.

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<v Speaker 1>I have a sapphire too, and that same symbolism of

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<v Speaker 1>love and commitment and trust. In her case, she's having

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<v Speaker 1>to redefine what all of that means to her. If

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<v Speaker 1>you have not heard this story, I won't give any

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<v Speaker 1>more away.

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<v Speaker 2>Hearing Libby's story.

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<v Speaker 1>Is amazing, but seeing it unfold is a whole new experience.

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<v Speaker 1>So please check out Betrayal, Secrets and Lies on ABC

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<v Speaker 1>and Hulu to see Libby's story and wear it all unfolded.

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<v Speaker 1>Enjoyed the episode.

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<v Speaker 2>I remember this so clearly. I was in my powder

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<v Speaker 2>blue pajamas and I came out and I said something

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<v Speaker 2>to him, I go, what are you involved in? Are

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<v Speaker 2>you being investigated by the FBI? And he looked at

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<v Speaker 2>me so coldly, like he never knew me, and he said,

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<v Speaker 2>if I go down, I'm taking you with me.

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<v Speaker 1>I'm Andrea Gunning. And this is Betrayal, a show about

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<v Speaker 1>the people we trust the most and the deceptions that

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<v Speaker 1>change everything. Recently, we got in touch with a group

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<v Speaker 1>called the White Collar Wives Project. It's a support group

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<v Speaker 1>for women who were blindsided by their husband's financial crimes.

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<v Speaker 1>Their mission is to help guide women through the fallout legally,

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<v Speaker 1>financially and emotionally. For members, it's a place where they

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<v Speaker 1>can feel supported and most importantly believed, a place where

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<v Speaker 1>no one is asking the ever present question he didn't know.

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<v Speaker 1>That's Libbie Henry. She was one of the first members

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<v Speaker 1>of the White Collar Wives, and like all the women

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<v Speaker 1>in the group, she was in the dark about what

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<v Speaker 1>her husband was really doing at work.

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<v Speaker 2>I didn't say, oh, honey, dinner's writing. And by the way,

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<v Speaker 2>did you commit fraud.

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<v Speaker 1>Libby grew up in Louisville, Kentucky, or as the locals

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<v Speaker 1>call it, Louisville.

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<v Speaker 2>It's almost like you've got something caught in your throat.

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<v Speaker 2>We automatically know if you're not from here. If you're

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<v Speaker 2>saying Louisville or Louisville, well.

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<v Speaker 1>I'm not from there. So for this episode, I'm going

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<v Speaker 1>to be saying Louisville. Early on, Libby knew her family

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<v Speaker 1>wasn't like others. Her mother didn't get along with most people.

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<v Speaker 2>She had an undiagnosed personality disorder. Today they call this

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<v Speaker 2>borderline personality disorder. That at the time I didn't know

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<v Speaker 2>what was wrong with her because there wasn't the Internet

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<v Speaker 2>and nobody was talking about mental health back then.

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<v Speaker 1>Because of her mom's mental illness, life at home was

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<v Speaker 1>an emotional roller coaster.

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<v Speaker 2>As I entered the ninth grade, I was pretty much

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<v Speaker 2>trying to spend the night out all the time. Because

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<v Speaker 2>she had such a problem controlling her emotions. I just

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<v Speaker 2>tried to get away.

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<v Speaker 1>She spent a lot of time at friends' houses, and

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<v Speaker 1>by the time she graduated high school, she had one

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<v Speaker 1>goal for her future. It was heartbreakingly simple.

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<v Speaker 2>What I saw around me, my friend's houses, I wanted

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<v Speaker 2>for myself. I just wanted to have a normal home

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<v Speaker 2>because I didn't come from one. That was my big plan.

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<v Speaker 2>That was it.

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<v Speaker 1>She started college at the University of Kentucky. It's in Lexington,

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<v Speaker 1>the horse racing capital of the world.

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<v Speaker 2>Oh my gosh, Lexington, beautiful place, surrounded by these beautiful

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<v Speaker 2>horse farms rolling field. When I got there, the first

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<v Speaker 2>thing I thought is that I had some freedom.

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<v Speaker 1>It was the eighties. Libby was carefree. She joined a

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<v Speaker 1>sorority and quickly made friends.

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<v Speaker 2>There were a lot of fraternity parties. They could have

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<v Speaker 2>all these cag parties. You would go from one house

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<v Speaker 2>to the next house. Lots of bands were always playing.

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<v Speaker 2>That was a lot of fun.

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<v Speaker 1>Her junior year, she went to the first kickoff game

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<v Speaker 1>of the football season, and of course it was a

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<v Speaker 1>big party.

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<v Speaker 2>My friend came up to me and said, do you

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<v Speaker 2>know Ted House.

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<v Speaker 1>Ted House was in one of her history classes. He'd

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<v Speaker 1>caught her eye before, but they didn't really know each other.

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<v Speaker 2>He was undeniably good looking, you know that, tall, dark,

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<v Speaker 2>and handsome. He was all those things. She goes, well,

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<v Speaker 2>he wants to go out with you, and I'm like, oh, wow, okay.

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<v Speaker 2>So later that same night, he approached me and started

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<v Speaker 2>to talking to me, but he started talking about the

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<v Speaker 2>history syllabus, and I think he was nervous because talking

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<v Speaker 2>about the history syllabus was kind of boring.

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<v Speaker 1>Libby left the party underwhelmed.

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<v Speaker 2>But two days later my friend called me and she said,

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<v Speaker 2>we need a double date. He really wants to go

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<v Speaker 2>out with you. And I'm like okay. And we go

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<v Speaker 2>on a double date to this French restaurant and he

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<v Speaker 2>was an entirely different human being. He was charming and

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<v Speaker 2>funny and much more relaxed.

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<v Speaker 1>It was like she was really seeing him for the

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<v Speaker 1>first time.

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<v Speaker 2>I thought, gosh, this guy's so fun. Wow, you know,

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<v Speaker 2>I like this guy. And two days after that he

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<v Speaker 2>asked me out again and we just kept rolling and

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<v Speaker 2>kept going out, and it wasn't long before we were

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<v Speaker 2>an exclusive couple.

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<v Speaker 1>Lebby felt like herself around Ted. He was the first

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<v Speaker 1>guy to make her feel that way.

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<v Speaker 2>I was really comfortable with who I was with Ted,

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<v Speaker 2>like I was always laughing. He liked that about me.

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<v Speaker 2>He liked the humor.

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<v Speaker 1>But it quickly became clear that she and Ted came

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<v Speaker 1>from different backgrounds. To borrow a term from the horse world.

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<v Speaker 1>He had pedigree, private boarding schools, country clubs, and summer

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<v Speaker 1>trips abroad, but he wasn't pretentious about it.

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<v Speaker 2>Ted didn't seem to care that I didn't have any money.

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<v Speaker 2>That didn't seem to bother him.

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<v Speaker 1>The difference in their upbringing meant nothing. They just wanted

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<v Speaker 1>to be together.

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<v Speaker 2>The mundane things that you do by yourself that don't

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<v Speaker 2>seem very fun, are of course very fun when you

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<v Speaker 2>are head over heels with someone, and we were.

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<v Speaker 1>Libby felt safe when she was with Ted. He had

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<v Speaker 1>that kind of confidence.

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<v Speaker 2>He's kind of like that protector and thanks were taking care.

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<v Speaker 2>If I was having an issue, she here was Ted.

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<v Speaker 2>He was taking care of everything. He was always that guy.

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<v Speaker 1>After a few months of dating, Ted took Libby to

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<v Speaker 1>meet his parents. They were in town for a fundraiser,

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<v Speaker 1>and I didn't.

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<v Speaker 2>Really realize what I walked into. They are a very

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<v Speaker 2>politically connected family. The first time I met them, they

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<v Speaker 2>were having a fundraiser for the governor of Indiana.

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<v Speaker 1>Ted didn't really prepare her for this scene, and to

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<v Speaker 1>be fair, he couldn't have.

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<v Speaker 2>I walk in the foyer of this absolutely beautiful home,

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<v Speaker 2>and at first, you know, you're just so nervous because

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<v Speaker 2>I'm like, what do I have to offer in this conversation?

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<v Speaker 2>What can I contribute? That is very intimidating for someone

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<v Speaker 2>like me who came from the background that I came from.

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<v Speaker 1>Lebby tried to stay quiet, smile and hide the run

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<v Speaker 1>in her stockings, but above all, she wanted to make

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<v Speaker 1>a good first impression with Ted's parents.

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<v Speaker 2>Yeah. Do you remember wondering if Ted's mother thought maybe

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<v Speaker 2>I'm really not good enough first then? But I got

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<v Speaker 2>through it. His parents were very nice to me.

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<v Speaker 1>Ted's dad was a successful businessman and his mother was

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<v Speaker 1>a philanthropist, a patron of the arts type. The night

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<v Speaker 1>of the fundraiser, Libby was just herself. She made them laugh,

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<v Speaker 1>and it turned out that was enough for the house family.

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<v Speaker 1>Pretty soon, Libby became a regular fixture at Ted's family events.

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<v Speaker 1>They made her I feel welcome.

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<v Speaker 2>They never seemed ostentatious to me. They weren't people that

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<v Speaker 2>bragged about money. They had money, but nobody was bragging

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<v Speaker 2>about it. They were very supportive, and they were interested

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<v Speaker 2>in me. Things just seemed so effortless with them.

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<v Speaker 1>Ted's family genuinely loved being around each other.

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<v Speaker 2>So you can imagine when I'm with this family where

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<v Speaker 2>things are so easy and there wasn't chaos. That's the word.

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<v Speaker 2>There was no chaos. I loved them, I truly did.

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<v Speaker 1>As they got more serious, she and Ted opened up

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<v Speaker 1>about their flaws and tried to help each other grow.

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<v Speaker 2>He was the kind of guy that would get really mad,

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<v Speaker 2>but then he would be like, okay, I popped off.

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<v Speaker 2>That was always his thing. But he does know that

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<v Speaker 2>about himself. And I wasn't the best either, because the

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<v Speaker 2>one thing that I did not come out of my

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<v Speaker 2>house with was coping skills. I came out of my

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<v Speaker 2>house like a piece of Swiss cheese. I had a

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<v Speaker 2>lot of holes.

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<v Speaker 1>Ted and Libby started talking about their future. They both

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<v Speaker 1>knew they wanted to have kids and stay close to family.

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<v Speaker 2>It was within a year he asked me to marry him.

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<v Speaker 2>He was nervous, but it wasn't some big gesture.

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<v Speaker 1>He proposed in her living room with the ring behind

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<v Speaker 1>his back. She remembers seeing his nerves. He was shaking.

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<v Speaker 2>He's like, you know, I'm not really good at this,

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<v Speaker 2>but I want you to marry me. It was sweet

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<v Speaker 2>and I liked it.

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<v Speaker 1>Ted had the ring custom made and it came with

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<v Speaker 1>a special meaning.

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<v Speaker 2>This woman named b Roth made all three of the

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<v Speaker 2>daughter in law's rings. My mother in law had a

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<v Speaker 2>sapphire and diamond emerald cut. I had a sapphire and

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<v Speaker 2>diamond marquis, but we all had the sapphire and diamond

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<v Speaker 2>to match our mother in law. I couldn't believe that

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<v Speaker 2>I was marrying someone like Ted, not because he came

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<v Speaker 2>from money, but because I thought his family was so

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<v Speaker 2>close and they seemed like a cohesive unit. It was

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<v Speaker 2>like that dream I told you when I was young,

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<v Speaker 2>I'm getting married and I'm going to have that family.

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<v Speaker 2>I remember thinking it's all happening for me.

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<v Speaker 1>Once they graduated college, Libby and Ted had a big

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<v Speaker 1>church wedding. They both took jobs working for the State

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<v Speaker 1>of Indiana, just over the border from Lexington.

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<v Speaker 2>I worked for the Department of Insurance. He was in

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<v Speaker 2>land and acquisition, so he would go and talk to

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<v Speaker 2>people and they loved him. Ted could talk to anybody.

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<v Speaker 2>I mean he could charm anybody, and they loved him.

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<v Speaker 1>Ted was passionate about real estate, so he found them

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<v Speaker 1>the perfect home. Even though they both worked. Ted's family

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<v Speaker 1>money helped them close on that first house.

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<v Speaker 2>I knew he had a trust fund because that's how

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<v Speaker 2>we bought our first house with his trust fund, and

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<v Speaker 2>we're trying to make our house a home. His mother

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<v Speaker 2>would always come over bringing gourmet goodies.

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<v Speaker 1>That year, Libby got a special gift from her mother

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<v Speaker 1>in law, something to symbolize their bond.

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<v Speaker 2>Ted's mother had a circle pennant mate for each daughter

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<v Speaker 2>in law with little pearls around it, and she said,

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<v Speaker 2>this is a symbol of our circle, our family, and

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<v Speaker 2>that you're in the circle.

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<v Speaker 1>Within the first year of their marriage, Libby found out

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<v Speaker 1>she was pregnant with the baby girl. For a moment,

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<v Speaker 1>everything felt perfect.

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<v Speaker 2>In about six months, I go to the doctor and

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<v Speaker 2>there's no heartbeat.

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<v Speaker 1>The baby had died. At six months. Ted and his

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<v Speaker 1>family surrounded Libby, helping her through the grief. The doctors

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<v Speaker 1>recommended she wait to get pregnant again, but she didn't.

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<v Speaker 2>I asked that baby in May, and I was pregnant

0:14:09.280 --> 0:14:13.560
<v Speaker 2>again in July, and then I had a healthy baby girl.

0:14:13.559 --> 0:14:18.559
<v Speaker 1>At that point, it was a new beginning and they

0:14:18.600 --> 0:14:22.360
<v Speaker 1>wanted a change of scenery to match. They started talking

0:14:22.360 --> 0:14:25.440
<v Speaker 1>about returning to Louisville, Libby's hometown.

0:14:27.080 --> 0:14:31.160
<v Speaker 2>And then Ted comes home and says, I've got big news.

0:14:31.840 --> 0:14:34.200
<v Speaker 2>And I'm like, what kind of big news? And he said, well,

0:14:34.240 --> 0:14:37.680
<v Speaker 2>I've got an offer to go into the mortgage business

0:14:37.680 --> 0:14:41.360
<v Speaker 2>in Louisville. So when he said we're moving, I was like, yay,

0:14:41.600 --> 0:14:42.960
<v Speaker 2>you know, I'm going home.

0:14:43.720 --> 0:14:46.400
<v Speaker 1>With their new baby. They packed up and started.

0:14:46.040 --> 0:14:50.200
<v Speaker 2>Over, and we both got full time jobs. At that point.

0:14:50.600 --> 0:14:53.960
<v Speaker 2>I worked for wait for it, a page in company,

0:14:54.600 --> 0:15:00.200
<v Speaker 2>and pagers were the things that was big technology back then,

0:15:00.880 --> 0:15:05.320
<v Speaker 2>and he obviously was in the mortgage industry. He started

0:15:05.360 --> 0:15:08.360
<v Speaker 2>working for a friend and he was alone originator.

0:15:09.160 --> 0:15:12.680
<v Speaker 1>The job came naturally to him. Before long, he started

0:15:12.680 --> 0:15:15.080
<v Speaker 1>his own company, brokering mortgages.

0:15:16.040 --> 0:15:18.720
<v Speaker 2>He liked it so much he started his own business.

0:15:19.600 --> 0:15:22.880
<v Speaker 2>They seemed to do so well. He had a lot

0:15:22.880 --> 0:15:25.200
<v Speaker 2>of employees that started working for him, a lot of

0:15:25.240 --> 0:15:28.160
<v Speaker 2>them he knew. They were people that we knew, and

0:15:28.200 --> 0:15:33.200
<v Speaker 2>it just seemed like this was just the absolute best job.

0:15:33.280 --> 0:15:35.360
<v Speaker 2>He's got friends that work for him.

0:15:35.800 --> 0:15:38.200
<v Speaker 1>The first few years in Louisville were like a dream.

0:15:38.880 --> 0:15:42.480
<v Speaker 1>Libby had the normal family she'd always wanted. The only

0:15:42.520 --> 0:15:46.040
<v Speaker 1>thing that wasn't going perfectly was Libby's health. When her

0:15:46.120 --> 0:15:49.560
<v Speaker 1>daughter was a toddler, Libby began having intense back pain.

0:15:50.120 --> 0:15:54.520
<v Speaker 1>She needed spinal surgery, but the pain persisted, so she

0:15:54.720 --> 0:15:57.800
<v Speaker 1>and Ted sat down and decided that Libby should quit

0:15:57.800 --> 0:16:00.400
<v Speaker 1>her job, at least for the time being.

0:16:01.160 --> 0:16:04.120
<v Speaker 2>Ted said, you know, I'm making enough money you don't

0:16:04.120 --> 0:16:08.360
<v Speaker 2>need to go back to work. So I didn't. I

0:16:08.400 --> 0:16:12.800
<v Speaker 2>would stay home for the next ten years, and that

0:16:13.800 --> 0:16:15.440
<v Speaker 2>was a critical mistake for me.

0:16:38.800 --> 0:16:41.760
<v Speaker 1>Ted's new mortgage business in Louisville was doing well enough

0:16:41.800 --> 0:16:44.640
<v Speaker 1>for Libby to quit her job. That way she could

0:16:44.640 --> 0:16:46.840
<v Speaker 1>focus on her health and their daughter.

0:16:47.840 --> 0:16:53.880
<v Speaker 2>I did everything that stay at home moms do. You know, kids, playdates,

0:16:54.520 --> 0:16:56.320
<v Speaker 2>everything they had to do with my daughter. You know,

0:16:56.360 --> 0:16:57.040
<v Speaker 2>I was planning.

0:16:58.000 --> 0:17:00.880
<v Speaker 1>It was Libby's job to handle their daughter's schedule, and

0:17:00.920 --> 0:17:04.640
<v Speaker 1>Ted's job was to handle the finances, which he'd already

0:17:04.640 --> 0:17:05.520
<v Speaker 1>been doing anyway.

0:17:06.280 --> 0:17:09.880
<v Speaker 2>And I mean, I'm dyslexic. It affects my numbers. And

0:17:10.359 --> 0:17:11.840
<v Speaker 2>Ted was like a human calculator.

0:17:12.520 --> 0:17:14.600
<v Speaker 1>They'd been in Louisville a few years when.

0:17:15.119 --> 0:17:17.600
<v Speaker 2>Ted came home and said that he had looked at

0:17:17.640 --> 0:17:21.239
<v Speaker 2>this house in a neighborhood called Bridgepoint, which was a

0:17:21.400 --> 0:17:25.120
<v Speaker 2>very nice neighborhood, and that was a big leap as

0:17:25.200 --> 0:17:27.159
<v Speaker 2>far as cost and the homes.

0:17:27.680 --> 0:17:31.679
<v Speaker 1>He wanted an upgrade, something to reflect his success. Libby

0:17:31.720 --> 0:17:35.280
<v Speaker 1>started drawing up renovation plans and interior designs.

0:17:35.800 --> 0:17:38.800
<v Speaker 2>I walked in and I redid the whole thing, the yard,

0:17:39.440 --> 0:17:42.440
<v Speaker 2>you name it. I did it. Everything that I conjured

0:17:42.520 --> 0:17:44.879
<v Speaker 2>up in my head I was able to execute.

0:17:45.720 --> 0:17:48.639
<v Speaker 1>When it was done, the house was perfect. It was

0:17:48.720 --> 0:17:50.560
<v Speaker 1>going to be the forever home.

0:17:51.400 --> 0:17:54.359
<v Speaker 2>Life seemed to be getting better and better and better.

0:17:56.040 --> 0:18:00.439
<v Speaker 2>I never thought that money was an issue in my

0:18:00.560 --> 0:18:05.600
<v Speaker 2>life at all.

0:18:05.640 --> 0:18:09.320
<v Speaker 1>But Ted still wasn't satisfied. He wanted to become a

0:18:09.400 --> 0:18:13.560
<v Speaker 1>Kentucky real estate tycoon, so he found new business partners

0:18:13.760 --> 0:18:17.280
<v Speaker 1>to start another venture, flipping houses.

0:18:19.560 --> 0:18:26.320
<v Speaker 2>Flipping homes in depressed parts of Louisville wasn't unusual back then,

0:18:27.200 --> 0:18:30.080
<v Speaker 2>because the timeframe of this is two thousand, two thousand

0:18:30.119 --> 0:18:33.399
<v Speaker 2>and one, two thousand and two, before the housing bubble burst.

0:18:34.320 --> 0:18:36.680
<v Speaker 2>I mean, I knew so many people flipping houses.

0:18:38.119 --> 0:18:40.840
<v Speaker 1>One of Ted's new business partners was a real estate

0:18:40.840 --> 0:18:42.400
<v Speaker 1>consultant named Khalid.

0:18:43.000 --> 0:18:47.399
<v Speaker 2>Khalid was a guy who grew up in a depressed

0:18:47.440 --> 0:18:51.720
<v Speaker 2>part of Louisville, and Khalid had done well for himself

0:18:51.760 --> 0:18:55.840
<v Speaker 2>business wise, so they went into business together flipping homes.

0:18:57.240 --> 0:19:01.119
<v Speaker 2>Khalid was from that area. I think he knew a

0:19:01.160 --> 0:19:03.840
<v Speaker 2>lot of people in that area, which made him a

0:19:03.920 --> 0:19:04.880
<v Speaker 2>nice liaison.

0:19:05.400 --> 0:19:08.760
<v Speaker 1>Ted and Khaled's business proved more successful than either of

0:19:08.800 --> 0:19:13.080
<v Speaker 1>them imagined. The money was rolling in, and Ted really

0:19:13.160 --> 0:19:14.000
<v Speaker 1>treated the family.

0:19:14.320 --> 0:19:17.879
<v Speaker 2>We were able to do all of these things. For example,

0:19:18.240 --> 0:19:20.600
<v Speaker 2>we were in Costa Rica. We were able to take

0:19:20.600 --> 0:19:25.040
<v Speaker 2>our daughter to BAHAMAUS, which was incredible. We were at

0:19:25.080 --> 0:19:28.280
<v Speaker 2>Martha's vineyard. We were doing all these things that I

0:19:28.320 --> 0:19:31.920
<v Speaker 2>could have never done. Now, AS used to think, this

0:19:32.000 --> 0:19:35.760
<v Speaker 2>is great, you know, what a charmed life. I really

0:19:35.800 --> 0:19:43.480
<v Speaker 2>truly was grateful for everything. And then things started to change.

0:19:44.000 --> 0:19:48.400
<v Speaker 1>Because Ted's attitude started to change. He had always been

0:19:48.480 --> 0:19:51.960
<v Speaker 1>quick to anger, but as Libby shared, he was quick

0:19:52.000 --> 0:19:55.760
<v Speaker 1>to calm down. This time it was different, like.

0:19:55.760 --> 0:19:59.440
<v Speaker 2>He would come home increasingly irritable, but I couldn't understand

0:19:59.760 --> 0:20:03.399
<v Speaker 2>why was ongoing. And I would ask him and he's like, Oh,

0:20:03.440 --> 0:20:06.600
<v Speaker 2>it's work stress, it's work stress. Then he started waking

0:20:06.720 --> 0:20:08.480
<v Speaker 2>up in the middle of the night like he was

0:20:08.520 --> 0:20:12.480
<v Speaker 2>in a panic. But he was every night like clockwork,

0:20:12.520 --> 0:20:14.760
<v Speaker 2>and I never can understand it. I'm like, what in

0:20:14.800 --> 0:20:18.160
<v Speaker 2>the world, why do you wake up like this? Oh,

0:20:18.200 --> 0:20:25.200
<v Speaker 2>I've just got a lot on my mind. I just thought, Okay, well,

0:20:25.240 --> 0:20:25.960
<v Speaker 2>there's stress.

0:20:26.760 --> 0:20:29.479
<v Speaker 1>She knew his job could be intense. He was always

0:20:29.480 --> 0:20:33.240
<v Speaker 1>managing multiple sales and home renovations, each had their own

0:20:33.280 --> 0:20:38.479
<v Speaker 1>deadlines and expenses. But as the year went on, Ted's

0:20:38.480 --> 0:20:39.760
<v Speaker 1>stress only mounted.

0:20:40.359 --> 0:20:44.600
<v Speaker 2>But I kept asking and he kept getting a little

0:20:44.640 --> 0:20:48.320
<v Speaker 2>bit short with me, and I was thought, gosh, what

0:20:48.480 --> 0:20:49.359
<v Speaker 2>is the problem.

0:20:50.119 --> 0:20:53.199
<v Speaker 1>Ted never shared details about his business with Libby. He

0:20:53.320 --> 0:20:56.720
<v Speaker 1>kept it all inside, except for this. One day in

0:20:56.760 --> 0:20:59.760
<v Speaker 1>two thousand and two, She walked into their bathroom to

0:20:59.760 --> 0:21:02.760
<v Speaker 1>find and Ted leaning over the sink, and.

0:21:02.640 --> 0:21:04.600
<v Speaker 2>I thought he was sick, And I said, what's wrong?

0:21:05.160 --> 0:21:09.920
<v Speaker 2>And his reaction was so unusual. He actually did have

0:21:09.960 --> 0:21:13.840
<v Speaker 2>tears in his eyes, and he said, it's that f

0:21:14.000 --> 0:21:18.000
<v Speaker 2>N Khalid And I said, what are we talking about?

0:21:18.280 --> 0:21:19.600
<v Speaker 2>What's wrong with Khalid?

0:21:23.680 --> 0:21:26.600
<v Speaker 1>Libby had met Khalid once or twice. He had always

0:21:26.640 --> 0:21:27.399
<v Speaker 1>been polite to her.

0:21:28.960 --> 0:21:33.680
<v Speaker 2>He's so angry and he's saying, you know this f

0:21:33.760 --> 0:21:38.720
<v Speaker 2>and Khalid he screwed me over He's gonna screaw me.

0:21:38.760 --> 0:21:40.520
<v Speaker 2>He just kept saying that over and over again. I go,

0:21:40.640 --> 0:21:42.320
<v Speaker 2>I don't know what we're talking about. What are we

0:21:42.400 --> 0:21:45.280
<v Speaker 2>talking about? And why are you angry with Khalid? And

0:21:45.320 --> 0:21:49.720
<v Speaker 2>he said he's gonna screw me and he may kill you.

0:21:50.040 --> 0:21:57.399
<v Speaker 2>He may kill our daughter. What those aren't words you

0:21:57.520 --> 0:22:01.920
<v Speaker 2>expect to hear from your husband about a business associate. Ever,

0:22:03.800 --> 0:22:07.680
<v Speaker 2>I was paralyzed for a second. I felt my chest

0:22:07.720 --> 0:22:10.560
<v Speaker 2>tighten up because I thought, what do you mean kill?

0:22:12.359 --> 0:22:14.800
<v Speaker 2>He's like, well, there's a business deal that's gone bad,

0:22:15.160 --> 0:22:18.359
<v Speaker 2>and I don't know what that MF or will do.

0:22:22.040 --> 0:22:24.359
<v Speaker 1>Libby wanted to go to the police, but when she

0:22:24.480 --> 0:22:27.879
<v Speaker 1>said that, Ted quickly backtracked. He shook it off and

0:22:27.920 --> 0:22:31.480
<v Speaker 1>told Libby to forget he ever said anything, but that

0:22:31.960 --> 0:22:35.600
<v Speaker 1>wasn't going to happen. Her mind was racing was Khalid

0:22:35.720 --> 0:22:39.200
<v Speaker 1>really threatening her and her daughter? Why would Ted say

0:22:39.200 --> 0:22:41.920
<v Speaker 1>that to her? She got in the car and left

0:22:41.960 --> 0:22:42.320
<v Speaker 1>the house.

0:22:43.359 --> 0:22:46.320
<v Speaker 2>I start crying all that stress. I just start crying

0:22:46.320 --> 0:22:48.160
<v Speaker 2>because I could not make sense of it.

0:22:48.920 --> 0:22:52.320
<v Speaker 1>But when Libby returned home to ask more questions, Ted

0:22:52.480 --> 0:22:53.639
<v Speaker 1>was gone.

0:22:53.960 --> 0:22:58.280
<v Speaker 2>So I waited and waited and didn't come back. Well,

0:22:59.160 --> 0:23:02.040
<v Speaker 2>I gathered myself off together, and I thought, I'm going

0:23:02.119 --> 0:23:04.879
<v Speaker 2>to call his dad. I'm going to cause parents, and

0:23:04.920 --> 0:23:07.680
<v Speaker 2>I can still remember his mother saying they were outside

0:23:07.720 --> 0:23:12.720
<v Speaker 2>by the pool, and they absorbed all that information, but

0:23:13.280 --> 0:23:16.320
<v Speaker 2>it wasn't like they were panicked like I was.

0:23:18.440 --> 0:23:22.800
<v Speaker 1>A little while later, Ted's mom called back. Apparently they'd

0:23:22.800 --> 0:23:27.520
<v Speaker 1>talked to Ted and he'd given them the full story, and.

0:23:27.480 --> 0:23:31.600
<v Speaker 2>They said, Teddy got a little spooped, and I thought

0:23:31.960 --> 0:23:35.119
<v Speaker 2>a little spooped, you know. I didn't feel satisfied with

0:23:35.200 --> 0:23:39.240
<v Speaker 2>that answer. She said, well, Ted's realized that Khalid might

0:23:39.280 --> 0:23:43.280
<v Speaker 2>not be the most savory person. He's a little bit unsavory,

0:23:44.200 --> 0:23:46.359
<v Speaker 2>and he's not going to consort with him anymore or

0:23:46.359 --> 0:23:49.600
<v Speaker 2>do business with him. And I said, well, he said

0:23:49.720 --> 0:23:54.440
<v Speaker 2>kill she goes He's just overreacted. I said, this seems

0:23:54.520 --> 0:23:58.719
<v Speaker 2>a lot more serious than that, and she said, Libby,

0:23:59.160 --> 0:24:02.720
<v Speaker 2>it's okay. He's not going to do business with him anymore.

0:24:03.080 --> 0:24:06.520
<v Speaker 2>His dad's talked to him. And you know what, I

0:24:06.640 --> 0:24:14.760
<v Speaker 2>believed that because his dad was telling me this businessman, stockbroker,

0:24:15.600 --> 0:24:22.120
<v Speaker 2>graduate school educated man, highly respected, no nonsense man. If

0:24:22.160 --> 0:24:27.720
<v Speaker 2>they thought that that was true, they just reassured me.

0:24:29.000 --> 0:24:32.360
<v Speaker 1>They also advised Libby not to go around telling anyone

0:24:32.480 --> 0:24:37.320
<v Speaker 1>about that conversation with Ted. She trusted his parents, but

0:24:37.400 --> 0:24:38.840
<v Speaker 1>she was still unsettled.

0:24:39.960 --> 0:24:44.159
<v Speaker 2>So that was not even a ragged flag. It was

0:24:44.200 --> 0:24:44.879
<v Speaker 2>a red flare.

0:24:46.920 --> 0:24:49.720
<v Speaker 1>When Ted finally came home, he didn't want to talk

0:24:49.720 --> 0:24:53.760
<v Speaker 1>about it. He wouldn't talk about it. The house was

0:24:53.840 --> 0:24:55.400
<v Speaker 1>filled with tension.

0:24:55.840 --> 0:24:59.959
<v Speaker 2>And during that time things really started to go sideway.

0:25:02.320 --> 0:25:05.840
<v Speaker 2>Ted's moods were so awful.

0:25:06.880 --> 0:25:11.600
<v Speaker 1>Every day Ted was on edge. The days turned into weeks.

0:25:12.160 --> 0:25:15.520
<v Speaker 2>So not only is he waking up at three o'clock

0:25:15.520 --> 0:25:18.439
<v Speaker 2>in the morning, but I'm also waking up to the

0:25:18.440 --> 0:25:24.560
<v Speaker 2>glow of the laptop. It's like he slept with that

0:25:24.600 --> 0:25:26.359
<v Speaker 2>computer all the time.

0:25:28.560 --> 0:25:32.119
<v Speaker 1>One night, Libby was home alone watching TV and she

0:25:32.240 --> 0:25:35.160
<v Speaker 1>saw something that would change her life.

0:25:35.320 --> 0:25:37.120
<v Speaker 2>I don't know if it was date long, I don't

0:25:37.119 --> 0:25:39.280
<v Speaker 2>know if it was sixty minutes. But it was a

0:25:39.320 --> 0:25:44.760
<v Speaker 2>woman on TV and her husband died and she didn't

0:25:44.800 --> 0:25:50.480
<v Speaker 2>know anything about her finances, nothing, and apparently she owed

0:25:50.960 --> 0:25:53.520
<v Speaker 2>thousands of dollars to the IRASID. Of course she's on

0:25:53.560 --> 0:25:56.679
<v Speaker 2>the hook because she signed those tax returns and she

0:25:56.960 --> 0:26:02.639
<v Speaker 2>lost everything. And I was like, she is me, that

0:26:02.840 --> 0:26:03.080
<v Speaker 2>is me.

0:26:05.280 --> 0:26:07.879
<v Speaker 1>Since the beginning of their marriage, Ted had paid all

0:26:07.920 --> 0:26:12.280
<v Speaker 1>their bills, paid off the credit cards, and managed their savings.

0:26:13.400 --> 0:26:16.879
<v Speaker 1>When it came to their personal finances, she only knew

0:26:16.880 --> 0:26:20.840
<v Speaker 1>what Ted told her. And as for his businesses, she

0:26:21.000 --> 0:26:22.119
<v Speaker 1>was completely in the dark.

0:26:22.560 --> 0:26:24.280
<v Speaker 2>So I went to him and I'm like, I want

0:26:24.280 --> 0:26:26.600
<v Speaker 2>to fold her. And I wanted a fold her that

0:26:27.040 --> 0:26:30.679
<v Speaker 2>showed me what happens if anything happened to him. I

0:26:30.720 --> 0:26:34.040
<v Speaker 2>didn't know what would happen with the company, would his

0:26:34.119 --> 0:26:37.200
<v Speaker 2>business partner buy me out? I mean, these were maybe

0:26:37.240 --> 0:26:41.880
<v Speaker 2>even silly questions. I just didn't know anything. So when

0:26:41.920 --> 0:26:49.199
<v Speaker 2>I started asking, he started pushing back, and I remember thinking,

0:26:50.359 --> 0:26:55.159
<v Speaker 2>you know, that's not normal. Why is he defensive?

0:26:58.680 --> 0:27:02.280
<v Speaker 1>The more Ted pushed back, the more insistent Liddy became.

0:27:03.000 --> 0:27:06.840
<v Speaker 1>She needed to know everything. She wanted hard copies.

0:27:07.680 --> 0:27:10.240
<v Speaker 2>I mean, every time I asked, he got madder and

0:27:10.280 --> 0:27:12.359
<v Speaker 2>matter and matter and matter to the point we were

0:27:12.400 --> 0:27:18.920
<v Speaker 2>having really big fights. But I'm still asking about that foulder.

0:27:19.640 --> 0:27:22.879
<v Speaker 2>Our arguments kept escalating because I thought, well, does he

0:27:22.960 --> 0:27:26.160
<v Speaker 2>think I'm not smart enough to understand? Does he think

0:27:26.200 --> 0:27:28.680
<v Speaker 2>he just needs to be controlling and he's the one

0:27:28.680 --> 0:27:32.280
<v Speaker 2>that needs to be able to do at all. Never

0:27:32.920 --> 0:27:35.920
<v Speaker 2>would I have thought he was involved anything that was

0:27:35.920 --> 0:27:38.480
<v Speaker 2>at a fairies never didn't even occur to me.

0:27:41.080 --> 0:27:44.560
<v Speaker 1>Libby never got that folder of financial documents because a

0:27:44.560 --> 0:27:47.480
<v Speaker 1>few weeks later, Ted sat her down and in a

0:27:47.520 --> 0:27:51.560
<v Speaker 1>calm voice, he told her the truth, or at least

0:27:52.320 --> 0:27:53.080
<v Speaker 1>a sliver of it.

0:27:53.960 --> 0:28:01.080
<v Speaker 2>Three days before Christmas, he tells me, we're bankrupt. We

0:28:01.200 --> 0:28:05.000
<v Speaker 2>need to file bankruptcy. And I don't just mean any bankruptcy,

0:28:05.040 --> 0:28:10.320
<v Speaker 2>I mean Chapter seven complete liquidation, bankrupt.

0:28:10.960 --> 0:28:15.320
<v Speaker 1>Libby had spent a year begging Ted for financial transparency.

0:28:15.359 --> 0:28:19.160
<v Speaker 1>The entire time, he never made any indication that they

0:28:19.160 --> 0:28:22.920
<v Speaker 1>were in debt. Now, out of the blue, he told

0:28:22.960 --> 0:28:25.720
<v Speaker 1>her they were bankrupt. It didn't add up.

0:28:26.440 --> 0:28:30.239
<v Speaker 2>I thought, that can't be right. I mean, it just

0:28:30.440 --> 0:28:35.320
<v Speaker 2>can't be right, because you have this company, You've purchased

0:28:35.320 --> 0:28:38.680
<v Speaker 2>this beautiful home, We've lived this life. How would we

0:28:38.800 --> 0:28:42.120
<v Speaker 2>be bankrupt? I couldn't make sense of it, and I

0:28:42.120 --> 0:28:43.480
<v Speaker 2>didn't even get a good answer.

0:28:44.440 --> 0:28:47.320
<v Speaker 1>When Ted tried to explain how it happened, it was

0:28:47.480 --> 0:28:53.320
<v Speaker 1>just word salad about business deals gone bad. She needed space.

0:28:54.760 --> 0:28:58.680
<v Speaker 2>I thought something's really wrong. We really should be separated.

0:28:59.480 --> 0:29:02.280
<v Speaker 1>She told him to move out, and he did. Before

0:29:02.320 --> 0:29:05.560
<v Speaker 1>he left, he set up a meeting with a bankruptcy attorney.

0:29:05.760 --> 0:29:08.840
<v Speaker 2>And I'm listening, but I'm still like in shock because

0:29:08.840 --> 0:29:10.760
<v Speaker 2>I couldn't make sense of it. I'm like, well, how

0:29:10.800 --> 0:29:13.880
<v Speaker 2>are we bankrupt? Like? Why are we bankrupt? Where is

0:29:13.920 --> 0:29:14.440
<v Speaker 2>the money?

0:29:15.400 --> 0:29:18.000
<v Speaker 1>He told Libby this meeting would give her answers, but

0:29:18.080 --> 0:29:22.240
<v Speaker 1>it didn't. The next day he came to her with

0:29:22.320 --> 0:29:22.960
<v Speaker 1>a new plan.

0:29:24.680 --> 0:29:27.640
<v Speaker 2>He comes back and says, I think we could have

0:29:27.680 --> 0:29:32.560
<v Speaker 2>just you file bankruptcy and not me. The house was

0:29:32.600 --> 0:29:35.800
<v Speaker 2>solely in my name. I had no idea why he

0:29:35.840 --> 0:29:40.160
<v Speaker 2>wanted to do that. I just knew that. I was like,

0:29:40.440 --> 0:29:42.840
<v Speaker 2>you need to leave because I thought he wants to

0:29:42.880 --> 0:29:46.600
<v Speaker 2>saddle me with all of that. And he comes out

0:29:46.600 --> 0:29:50.920
<v Speaker 2>of that unscathed. It was enough for me to be like,

0:29:52.280 --> 0:29:53.360
<v Speaker 2>I'm done.

0:29:55.960 --> 0:29:59.480
<v Speaker 1>She couldn't stay in the marriage she wanted a divorce,

0:30:02.200 --> 0:30:03.360
<v Speaker 1>and it was.

0:30:03.320 --> 0:30:05.440
<v Speaker 2>Like a race down to our attorneys.

0:30:06.600 --> 0:30:09.560
<v Speaker 1>They had both arrived at their separate attorney's offices at

0:30:09.600 --> 0:30:10.280
<v Speaker 1>the same time.

0:30:11.680 --> 0:30:15.360
<v Speaker 2>I was at my attorneys, he was at his attorneys. Well,

0:30:16.320 --> 0:30:19.640
<v Speaker 2>he wanted to make sure that he was the petitioner

0:30:20.320 --> 0:30:23.560
<v Speaker 2>that was so important at tech. He needed to feel

0:30:23.600 --> 0:30:25.720
<v Speaker 2>like he's the one that was divorcing me.

0:30:26.560 --> 0:30:30.360
<v Speaker 1>They started the process, but before any papers were signed,

0:30:30.960 --> 0:30:32.720
<v Speaker 1>Ted tried to take back control.

0:30:33.600 --> 0:30:39.240
<v Speaker 2>So as we're moving along in this divorce, I came

0:30:39.280 --> 0:30:44.120
<v Speaker 2>home and he's standing in our kitchen saying, I've called

0:30:44.120 --> 0:30:46.520
<v Speaker 2>the divorce off. That's exactly how he said it. I've

0:30:46.560 --> 0:30:49.640
<v Speaker 2>called the divorce off. I'm like, okay, have you You've

0:30:49.680 --> 0:30:52.160
<v Speaker 2>called it off? And he said, and I've written this

0:30:52.320 --> 0:30:54.560
<v Speaker 2>letter and I want you to read it. And the

0:30:54.640 --> 0:31:00.080
<v Speaker 2>letter stated all the things that he had done to

0:30:59.880 --> 0:31:03.480
<v Speaker 2>me that we're very unkind, admitting everything. And then he says,

0:31:03.520 --> 0:31:06.560
<v Speaker 2>I know you don't know anything about my business practices,

0:31:07.080 --> 0:31:09.480
<v Speaker 2>but that will change, like I'm going to let you

0:31:09.520 --> 0:31:13.479
<v Speaker 2>in now on everything. But I still wasn't swayed by

0:31:13.520 --> 0:31:16.280
<v Speaker 2>it because I thought, well, why was he resistant in

0:31:16.280 --> 0:31:17.000
<v Speaker 2>the first place.

0:31:19.200 --> 0:31:22.680
<v Speaker 1>The letter didn't change her mind. One line stood out.

0:31:22.680 --> 0:31:26.280
<v Speaker 1>Though I know you don't know anything about my business practices,

0:31:26.800 --> 0:31:31.160
<v Speaker 1>but that will change. It sounded like he was finally

0:31:31.200 --> 0:31:37.880
<v Speaker 1>giving her what she wanted, transparency. The only problem he

0:31:38.080 --> 0:31:41.880
<v Speaker 1>failed to mention the most important detail.

0:31:42.240 --> 0:31:45.440
<v Speaker 2>In that letter. I should point out he never says,

0:31:46.160 --> 0:31:49.239
<v Speaker 2>by the way, I've been committing mortgage fraud in your

0:31:49.240 --> 0:32:08.360
<v Speaker 2>life's about to implode.

0:32:09.160 --> 0:32:11.800
<v Speaker 1>A few weeks after Libby and Ted began their divorce,

0:32:12.280 --> 0:32:15.560
<v Speaker 1>Ted wanted to repair the relationship. He wrote her a

0:32:15.680 --> 0:32:20.719
<v Speaker 1>letter apologizing, promising to come clean about their finances, but

0:32:20.760 --> 0:32:23.880
<v Speaker 1>Libby didn't trust it. She had a hunch that Ted

0:32:23.960 --> 0:32:27.320
<v Speaker 1>was still hiding something, so she decided to turn to

0:32:27.360 --> 0:32:32.160
<v Speaker 1>the Louisville rumor mill. Libby knew her town well. If

0:32:32.200 --> 0:32:35.360
<v Speaker 1>Ted was up to something, someone had to know.

0:32:36.800 --> 0:32:40.680
<v Speaker 2>I would find out by a friend's husband. It was

0:32:40.720 --> 0:32:44.040
<v Speaker 2>an attorney. He said that Ted was being investigated by

0:32:44.080 --> 0:32:48.440
<v Speaker 2>the FBI. I was like what.

0:32:50.960 --> 0:32:54.200
<v Speaker 1>Ted was being investigated for? A complex mortgage fraud scheme

0:32:54.440 --> 0:32:59.360
<v Speaker 1>built on forged documents and phony buyers. Ted Khalid and

0:32:59.440 --> 0:33:01.680
<v Speaker 1>his cowork were all in on it.

0:33:02.200 --> 0:33:06.479
<v Speaker 2>They found these straw buyers to buy these homes in

0:33:06.520 --> 0:33:08.560
<v Speaker 2>a dilapidated area of Louisville.

0:33:09.400 --> 0:33:13.520
<v Speaker 1>On paper, those buyers looked great. They had jobs, income,

0:33:14.040 --> 0:33:18.560
<v Speaker 1>and enough credit to qualify, but none of it was real.

0:33:19.360 --> 0:33:22.920
<v Speaker 2>They made up their employment so they didn't make the

0:33:22.960 --> 0:33:26.640
<v Speaker 2>money that they said they did, so that would induce

0:33:26.680 --> 0:33:29.680
<v Speaker 2>a lender to give them a loan when they shouldn't

0:33:29.680 --> 0:33:30.720
<v Speaker 2>have had it in the first place.

0:33:32.200 --> 0:33:35.800
<v Speaker 1>But in the moment, Libby didn't know any of these details.

0:33:36.320 --> 0:33:38.880
<v Speaker 1>All she knew was that they were bankrupt and that

0:33:38.960 --> 0:33:42.760
<v Speaker 1>her husband was being investigated by the FBI. So the

0:33:42.800 --> 0:33:46.120
<v Speaker 1>next time Ted came over to the house, Libby met

0:33:46.200 --> 0:33:48.920
<v Speaker 1>him in the driveway to demand answers.

0:33:50.000 --> 0:33:53.360
<v Speaker 2>And I remember this so clearly. I was in my

0:33:53.720 --> 0:33:56.880
<v Speaker 2>powder blue pajamas and I came out and I said,

0:33:56.920 --> 0:34:00.440
<v Speaker 2>what are you involved in? He knew at that point

0:34:00.440 --> 0:34:04.960
<v Speaker 2>that I'm aware that something's wrong, And I said, are

0:34:05.000 --> 0:34:11.640
<v Speaker 2>you being investigated by the FBI? And he looked at

0:34:11.680 --> 0:34:16.320
<v Speaker 2>me so coldly, like he never knew me, and he said,

0:34:17.280 --> 0:34:21.200
<v Speaker 2>if I go down, I'm taking you with me. I

0:34:21.320 --> 0:34:26.440
<v Speaker 2>go You owe me more of an explanation. And he said, verbatim,

0:34:27.440 --> 0:34:31.160
<v Speaker 2>I don't owe you anything, bitch. That's what he said

0:34:31.200 --> 0:34:33.840
<v Speaker 2>to me. I don't owe you anything, bitch.

0:34:36.200 --> 0:34:38.760
<v Speaker 1>The man she'd fallen in love with a decade ago

0:34:39.400 --> 0:34:43.520
<v Speaker 1>was gone. Ted wasn't trying to protect her anymore. He

0:34:43.600 --> 0:34:46.680
<v Speaker 1>was trying to pull her down right alongside him. But

0:34:46.800 --> 0:34:49.719
<v Speaker 1>she wasn't about to let that happen. She made an

0:34:49.719 --> 0:34:54.560
<v Speaker 1>appointment to speak with the authorities herself. A few days later,

0:34:54.719 --> 0:34:58.799
<v Speaker 1>Libby found herself walking into a federal building, her heart pounding.

0:35:00.800 --> 0:35:04.279
<v Speaker 2>And this is surreal to me. I mean, what minute,

0:35:04.440 --> 0:35:07.720
<v Speaker 2>I'm married a stay at home and the next minute

0:35:07.840 --> 0:35:13.359
<v Speaker 2>I need to go and speak with the FBI. And

0:35:13.440 --> 0:35:17.799
<v Speaker 2>so I get there and there were three agents and

0:35:17.840 --> 0:35:22.440
<v Speaker 2>they're talking to me, asking me, you know, general questions.

0:35:23.360 --> 0:35:27.560
<v Speaker 1>Libby sat there, trying to recall every conversation, every detail,

0:35:27.760 --> 0:35:31.600
<v Speaker 1>every red flag she ignored about her husband. She wanted

0:35:31.640 --> 0:35:34.160
<v Speaker 1>to help their case and show them she was innocent.

0:35:35.640 --> 0:35:39.560
<v Speaker 1>The agents left the room. Libby waited and waited.

0:35:40.560 --> 0:35:45.000
<v Speaker 2>He comes back in and he said, the only thing

0:35:45.160 --> 0:35:50.640
<v Speaker 2>you're guilty of is trusting your husband. That's all you're

0:35:50.680 --> 0:35:51.160
<v Speaker 2>guilty of.

0:35:53.080 --> 0:35:56.040
<v Speaker 1>While the FBI built their case, Libby still had to

0:35:56.080 --> 0:36:00.000
<v Speaker 1>manage the divorce and bankruptcy filings. They short sold the

0:36:00.200 --> 0:36:02.240
<v Speaker 1>house and nearly everything they owned.

0:36:04.680 --> 0:36:08.000
<v Speaker 2>I think my first real taste of what I would

0:36:08.000 --> 0:36:10.320
<v Speaker 2>have to endure it was going to the grocery store

0:36:10.920 --> 0:36:15.200
<v Speaker 2>thinking that I had money, and I shopped, you know,

0:36:15.360 --> 0:36:19.400
<v Speaker 2>for an hour, went to buy the groceries, and there

0:36:19.480 --> 0:36:22.200
<v Speaker 2>was no money, you know, no funds, and they had

0:36:22.239 --> 0:36:25.080
<v Speaker 2>to pull my cart aside. And that's embarrassing. And I

0:36:25.120 --> 0:36:28.920
<v Speaker 2>could feel the sweat beating up, and that was my

0:36:29.040 --> 0:36:33.360
<v Speaker 2>first indication. I was like, this is bad. There's no money.

0:36:34.120 --> 0:36:36.759
<v Speaker 1>In a matter of weeks, she went from never having

0:36:36.800 --> 0:36:40.040
<v Speaker 1>to think about money to not having enough for groceries.

0:36:41.760 --> 0:36:45.640
<v Speaker 1>To make matters worse, Ted became erratic. He knew the

0:36:45.640 --> 0:36:47.120
<v Speaker 1>FEDS were closing in on him.

0:36:47.680 --> 0:36:52.920
<v Speaker 2>Ted got really, really unruly. He would show up at

0:36:52.920 --> 0:36:56.640
<v Speaker 2>my house, hide behind a tree. It'd be like late

0:36:56.680 --> 0:36:58.520
<v Speaker 2>at night, and I would sit on the back of

0:36:58.560 --> 0:37:02.600
<v Speaker 2>my steps and he would come and yell at me.

0:37:03.560 --> 0:37:06.319
<v Speaker 2>He would say the honest things to me. He would

0:37:06.360 --> 0:37:09.719
<v Speaker 2>say things like, I will never be found guilty. I

0:37:09.760 --> 0:37:12.400
<v Speaker 2>will be found innocent in a court a lot. And

0:37:12.480 --> 0:37:17.360
<v Speaker 2>he named himself teflawn Ted because the charges don't stick.

0:37:21.560 --> 0:37:25.759
<v Speaker 1>But Ted's nickname didn't hold up. He was indicted and

0:37:25.800 --> 0:37:31.040
<v Speaker 1>the charges were serious. Mortgage fraud, bang fraud, wire fraud,

0:37:31.719 --> 0:37:35.600
<v Speaker 1>totaling millions of dollars. Ted was one of four men

0:37:35.719 --> 0:37:39.120
<v Speaker 1>named in the indictment, along with Khalid and two other

0:37:39.200 --> 0:37:42.800
<v Speaker 1>men Libby had never heard of. They'd been inflating the

0:37:42.880 --> 0:37:46.719
<v Speaker 1>value of homes, flipping them to each other at ballooned prices,

0:37:47.080 --> 0:37:48.280
<v Speaker 1>and pocketing the difference.

0:37:49.360 --> 0:37:54.080
<v Speaker 2>The scheme worked for a while, but then they started

0:37:54.080 --> 0:37:56.879
<v Speaker 2>to defall on these loans, and you know, someone's left

0:37:56.880 --> 0:37:57.680
<v Speaker 2>holding the bag.

0:37:58.600 --> 0:38:02.239
<v Speaker 1>The house of cards collapse, and Libby was the one

0:38:02.320 --> 0:38:07.840
<v Speaker 1>left trying to make sense of the wreckage. After the indictment,

0:38:07.920 --> 0:38:11.760
<v Speaker 1>it was another four years of hearings and negotiations before

0:38:11.800 --> 0:38:15.640
<v Speaker 1>Ted was sentenced to prison. Libby tried her best to

0:38:15.680 --> 0:38:19.480
<v Speaker 1>co parent with him during this tense waiting period. He

0:38:19.600 --> 0:38:21.840
<v Speaker 1>was ordered to pay one hundred and forty nine dollars

0:38:21.880 --> 0:38:26.279
<v Speaker 1>a month in child support, practically nothing. As part of

0:38:26.280 --> 0:38:28.960
<v Speaker 1>the divorce agreement, Libby and her daughter could stay in

0:38:29.000 --> 0:38:32.840
<v Speaker 1>a condo owned by Ted's parents, but only for two years.

0:38:33.440 --> 0:38:35.680
<v Speaker 1>After that she would be on her own.

0:38:36.760 --> 0:38:40.440
<v Speaker 2>That's not a long time. When you don't have a job.

0:38:40.600 --> 0:38:42.560
<v Speaker 2>You don't know if you have to go back to school.

0:38:42.960 --> 0:38:46.880
<v Speaker 2>That goes by very quickly. My daughter was ten years old,

0:38:47.080 --> 0:38:49.560
<v Speaker 2>and that scared me a great deal. And what scared

0:38:49.600 --> 0:38:52.920
<v Speaker 2>me more is Ted defaulted on every single thing, so

0:38:53.000 --> 0:38:55.040
<v Speaker 2>I had to go to court.

0:38:55.400 --> 0:38:59.080
<v Speaker 1>Ted left behind a trail of defaulted debt, some of

0:38:59.120 --> 0:39:03.880
<v Speaker 1>it in Libby's name through forged signatures.

0:39:03.239 --> 0:39:06.000
<v Speaker 2>And I knew whose signature it was. It was my husband's.

0:39:06.160 --> 0:39:07.840
<v Speaker 2>I recognized his handwriting.

0:39:08.640 --> 0:39:11.439
<v Speaker 1>She tried to call the debt collectors, but as soon

0:39:11.520 --> 0:39:14.800
<v Speaker 1>as she said Ted was her ex husband, their tone shifted.

0:39:15.560 --> 0:39:20.520
<v Speaker 2>If you say it's somebody you don't know, then their alarm.

0:39:20.760 --> 0:39:24.600
<v Speaker 2>You say it's your husband, Uh, like we're one person.

0:39:25.480 --> 0:39:28.000
<v Speaker 2>It really was like I saw my identity over at

0:39:28.040 --> 0:39:28.440
<v Speaker 2>the altar.

0:39:30.719 --> 0:39:34.000
<v Speaker 1>Her credit was wrecked and her sense of safety was gone.

0:39:34.719 --> 0:39:37.120
<v Speaker 1>After those two years were up, she had to find

0:39:37.160 --> 0:39:40.719
<v Speaker 1>a new home. With nowhere to go, she and her

0:39:40.800 --> 0:39:43.320
<v Speaker 1>daughter moved into a Rundown apartment.

0:39:45.280 --> 0:39:50.480
<v Speaker 2>Pretty dilapidated place, roaches awful, but I needed a place

0:39:50.520 --> 0:39:50.879
<v Speaker 2>to live.

0:39:51.880 --> 0:39:55.120
<v Speaker 1>Because of her bankruptcy filing. She couldn't even get the

0:39:55.200 --> 0:39:56.600
<v Speaker 1>lights turned on in her name.

0:39:57.880 --> 0:40:01.480
<v Speaker 2>They wouldn't even let me get elect and money without

0:40:01.480 --> 0:40:04.640
<v Speaker 2>a co center. And I'm like, well, am I just

0:40:04.719 --> 0:40:05.799
<v Speaker 2>going to freeze to death.

0:40:07.280 --> 0:40:10.399
<v Speaker 1>One of the last times she saw Ted, she asked

0:40:10.480 --> 0:40:13.360
<v Speaker 1>him why he did it.

0:40:12.440 --> 0:40:15.440
<v Speaker 2>It is answer was because I can't That's what he

0:40:15.520 --> 0:40:18.399
<v Speaker 2>said to me after all those years. And I said,

0:40:18.400 --> 0:40:22.759
<v Speaker 2>you bankrupted me. His answer was I bankrupted myself. It's

0:40:22.800 --> 0:40:25.880
<v Speaker 2>almost like he didn't care how that affected me.

0:40:27.320 --> 0:40:30.360
<v Speaker 1>One day, when Libby was at a particularly low point,

0:40:30.680 --> 0:40:32.520
<v Speaker 1>she decided to reach out to Ted's mother.

0:40:33.280 --> 0:40:37.400
<v Speaker 2>I asked his mom, I begged, and I said, we

0:40:37.480 --> 0:40:40.799
<v Speaker 2>need money. I said, do you realize that Ted only

0:40:40.840 --> 0:40:44.040
<v Speaker 2>Patty's one hundred and forty nine dollars a month? And

0:40:44.120 --> 0:40:46.160
<v Speaker 2>her exact words were, that's what the courts say.

0:40:47.960 --> 0:40:51.480
<v Speaker 1>This woman had welcomed her into their family and even

0:40:51.560 --> 0:40:55.560
<v Speaker 1>given her that circle necklace to represent their bond, but

0:40:55.680 --> 0:40:59.680
<v Speaker 1>Ted's parents wouldn't give her a cent, not even for

0:40:59.719 --> 0:41:01.240
<v Speaker 1>their granddaughter's education.

0:41:02.360 --> 0:41:05.640
<v Speaker 2>And I couldn't believe it because I adored them. I mean,

0:41:06.640 --> 0:41:10.000
<v Speaker 2>they had so much. I couldn't understand why they wouldn't

0:41:10.000 --> 0:41:14.960
<v Speaker 2>be generous. They never gave me a dollar more.

0:41:16.400 --> 0:41:20.000
<v Speaker 1>It was heartbreaking because she respected them and she thought

0:41:20.080 --> 0:41:23.480
<v Speaker 1>she was in their circle, but when she was drowning,

0:41:24.000 --> 0:41:27.880
<v Speaker 1>they looked the other way. In the end, their loyalty

0:41:27.920 --> 0:41:30.080
<v Speaker 1>was never to her, it was to Ted.

0:41:31.280 --> 0:41:34.080
<v Speaker 2>I felt like his parents thought I'd betrayed him by

0:41:34.120 --> 0:41:37.120
<v Speaker 2>not standing by my man in quotes if you will,

0:41:38.160 --> 0:41:40.719
<v Speaker 2>because that's what I think they wanted me to do.

0:41:41.239 --> 0:41:43.440
<v Speaker 2>But their son betrayed me.

0:41:44.840 --> 0:41:49.880
<v Speaker 1>Finally, Ted pled guilty. There was no trial, no courtroom showdown,

0:41:50.440 --> 0:41:53.680
<v Speaker 1>no witness stand where Libby could testify to what she'd lost.

0:41:54.520 --> 0:41:57.600
<v Speaker 1>In a way, Libby wanted to hear it all out

0:41:57.600 --> 0:41:58.200
<v Speaker 1>in the open.

0:41:58.800 --> 0:42:01.719
<v Speaker 2>If there's a trial, to watch and you can see

0:42:01.719 --> 0:42:06.000
<v Speaker 2>what happened to your life. I wanted to know what

0:42:06.120 --> 0:42:06.960
<v Speaker 2>really happened.

0:42:07.840 --> 0:42:10.960
<v Speaker 1>He was sentenced to eighteen months in federal prison and

0:42:11.320 --> 0:42:16.080
<v Speaker 1>ordered to pay three million dollars in restitution. After the sentencing,

0:42:16.239 --> 0:42:18.839
<v Speaker 1>Libby decided to go look for answers on her own.

0:42:19.840 --> 0:42:22.720
<v Speaker 2>I decided I wanted to do an archaeological dig on myself.

0:42:23.880 --> 0:42:27.920
<v Speaker 1>She called up an acquaintance who worked in the mortgage business.

0:42:27.520 --> 0:42:31.040
<v Speaker 2>And I asked her, do you know what happened? Because

0:42:31.400 --> 0:42:34.600
<v Speaker 2>I thought she did? And she said, you know, Libby,

0:42:35.080 --> 0:42:37.479
<v Speaker 2>let me tell you something you need to get on

0:42:37.480 --> 0:42:41.040
<v Speaker 2>online deed records. She goes, you might find yourself there.

0:42:41.480 --> 0:42:43.400
<v Speaker 2>I go, what do you mean, I've never been on

0:42:43.440 --> 0:42:46.879
<v Speaker 2>that ever, She said, just take my advice and go look.

0:42:48.320 --> 0:42:52.320
<v Speaker 1>So Libby did, and what she found made her stomach turn.

0:42:53.360 --> 0:42:55.840
<v Speaker 2>Well, I go look at those deeds, and there my

0:42:55.920 --> 0:42:58.600
<v Speaker 2>name was. They'd forged my name in that fud scheme.

0:42:59.360 --> 0:43:02.200
<v Speaker 2>When I found that out, I sent a text message

0:43:02.239 --> 0:43:04.920
<v Speaker 2>to my ex husband that I knew what he had

0:43:04.960 --> 0:43:08.520
<v Speaker 2>done to me. You used me in your flut sky.

0:43:09.120 --> 0:43:12.040
<v Speaker 2>I mean, what happens if the FBI would have thought

0:43:12.360 --> 0:43:13.880
<v Speaker 2>that I really was a part of that and I

0:43:13.960 --> 0:43:18.280
<v Speaker 2>was sitting in prison. He put my freedom in jeopardy

0:43:19.360 --> 0:43:21.479
<v Speaker 2>and I never spoke a ward to him again.

0:43:23.760 --> 0:43:27.000
<v Speaker 1>Libby took the forged documents to the police station to

0:43:27.120 --> 0:43:28.480
<v Speaker 1>try and press charges.

0:43:30.040 --> 0:43:32.640
<v Speaker 2>This detective called me and goes, you know, I was

0:43:32.680 --> 0:43:37.200
<v Speaker 2>interested in your case. Here's the thing. Your husband's already

0:43:37.200 --> 0:43:41.879
<v Speaker 2>gone to prison. This case has been adjunicated, so there's

0:43:41.960 --> 0:43:45.120
<v Speaker 2>nothing that we can do for you. And I thought,

0:43:45.200 --> 0:43:48.680
<v Speaker 2>why not? How come I can't do something for me?

0:43:49.360 --> 0:43:52.840
<v Speaker 2>I mean, it looks like I help facilitate that fraud.

0:43:53.719 --> 0:43:55.600
<v Speaker 2>But he said there was nothing that could be done.

0:43:56.560 --> 0:43:59.440
<v Speaker 1>If she couldn't get justice, she at least wanted to

0:43:59.480 --> 0:44:00.680
<v Speaker 1>set the record straight.

0:44:02.080 --> 0:44:04.160
<v Speaker 2>I said, well, I want my name off those dates.

0:44:04.520 --> 0:44:07.160
<v Speaker 2>I didn't care if they sat there for ten years.

0:44:07.560 --> 0:44:12.040
<v Speaker 2>I did not want for generations it to look like

0:44:12.520 --> 0:44:13.680
<v Speaker 2>I committed that fraud.

0:44:14.480 --> 0:44:17.759
<v Speaker 1>After eight years of back and forth, she got the

0:44:17.800 --> 0:44:18.760
<v Speaker 1>documents amended.

0:44:19.640 --> 0:44:23.759
<v Speaker 2>It finally says on online deed records, my name was

0:44:23.880 --> 0:44:28.560
<v Speaker 2>obtained forged ex husband or others. It officially says that

0:44:29.120 --> 0:44:32.720
<v Speaker 2>now there's proof, and now I can set that rumor straight.

0:44:32.800 --> 0:44:38.480
<v Speaker 2>But words, rumors really truly can harm you forever.

0:44:39.360 --> 0:44:43.040
<v Speaker 1>Even after she got the records fixed, she still hears

0:44:43.080 --> 0:44:46.359
<v Speaker 1>whispers rumors about her being in on it.

0:44:47.760 --> 0:44:50.560
<v Speaker 2>And people love it when people that they see as

0:44:50.640 --> 0:44:54.840
<v Speaker 2>being affluent, living the life, belonging to country clubs fall

0:44:55.680 --> 0:44:59.279
<v Speaker 2>I didn't grow up with all that. I appreciated it,

0:44:59.360 --> 0:45:02.120
<v Speaker 2>but a lot of people just assume, oh, they deserve it,

0:45:03.000 --> 0:45:08.120
<v Speaker 2>they need I didn't know. I was financially illiterate, and

0:45:08.280 --> 0:45:12.240
<v Speaker 2>that I tell people, do not be that. If your

0:45:12.560 --> 0:45:16.320
<v Speaker 2>significant other is push him back, that's a red flag.

0:45:18.600 --> 0:45:21.799
<v Speaker 1>It's a lesson. She learned the hardest way possible, But

0:45:21.960 --> 0:45:26.879
<v Speaker 1>unlike the bankruptcy and the deeds, some consequences could never

0:45:26.960 --> 0:45:27.960
<v Speaker 1>be expunged.

0:45:29.320 --> 0:45:33.720
<v Speaker 2>It affected my relationship with my daughter, a young girl,

0:45:33.960 --> 0:45:38.759
<v Speaker 2>had this beautiful life, and all of a sudden, it's

0:45:38.840 --> 0:45:43.080
<v Speaker 2>food stamps and people at school aren't being nice to

0:45:43.080 --> 0:45:48.560
<v Speaker 2>her because her dad's in prison. She was so upset

0:45:48.600 --> 0:45:52.279
<v Speaker 2>in here her father's going to prison. She just wanted

0:45:52.280 --> 0:45:54.719
<v Speaker 2>to see him, and he got mad at her and

0:45:54.760 --> 0:45:58.880
<v Speaker 2>sent her an email from prison saying, don't be like

0:45:58.960 --> 0:46:02.600
<v Speaker 2>your mother. He won't do well in life from prison,

0:46:03.680 --> 0:46:06.799
<v Speaker 2>and I thought, Wow, what a statement to make. You're

0:46:06.920 --> 0:46:11.480
<v Speaker 2>in a federal prison telling you know, your daughter not

0:46:11.600 --> 0:46:12.720
<v Speaker 2>to be like her mother.

0:46:14.560 --> 0:46:17.839
<v Speaker 1>Ted was released from prison in twenty ten. He never

0:46:17.960 --> 0:46:19.359
<v Speaker 1>reached out to Libby.

0:46:20.000 --> 0:46:23.120
<v Speaker 2>And then he got to transition right back into another

0:46:23.200 --> 0:46:26.000
<v Speaker 2>home and a condo that his parents owned. It was

0:46:26.080 --> 0:46:29.960
<v Speaker 2>never like that for me. I applied for affordable housing twice,

0:46:30.400 --> 0:46:32.320
<v Speaker 2>never could get it.

0:46:32.320 --> 0:46:35.560
<v Speaker 1>It's hard for Libby to stomach watching Ted end up

0:46:35.640 --> 0:46:39.360
<v Speaker 1>with a soft landing. She's had to fight tooth and

0:46:39.480 --> 0:46:44.160
<v Speaker 1>nail to rebuild her life and regain financial stability. Plus

0:46:44.320 --> 0:46:50.239
<v Speaker 1>there's still big unanswered questions. Did Khalid really threaten to

0:46:50.280 --> 0:46:53.400
<v Speaker 1>kill her? What was really going on there?

0:46:54.320 --> 0:46:57.560
<v Speaker 2>To this day, I don't really know if that's true

0:46:57.719 --> 0:47:01.120
<v Speaker 2>night Maybe I fear I don't know. I don't know

0:47:01.160 --> 0:47:06.879
<v Speaker 2>if Ted was lying to me. Only Ted would know that.

0:47:12.040 --> 0:47:13.960
<v Speaker 1>She's had to come to terms with being in the

0:47:14.080 --> 0:47:18.360
<v Speaker 1>dark and not knowing everything about the crimes that destroyed

0:47:18.400 --> 0:47:19.040
<v Speaker 1>her life.

0:47:21.000 --> 0:47:25.120
<v Speaker 2>I have to just live with never knowing, because maybe

0:47:25.200 --> 0:47:27.880
<v Speaker 2>somebody will come out of the woodwork to talk to

0:47:27.920 --> 0:47:31.400
<v Speaker 2>me and tell me they haven't yet. But you never know.

0:47:31.640 --> 0:47:35.120
<v Speaker 2>You never know what could happen. You're supposed to forgive

0:47:35.160 --> 0:47:38.960
<v Speaker 2>people for yourself. I have a really hard time with that,

0:47:41.120 --> 0:47:43.880
<v Speaker 2>but I don't want to be bitter, because that just

0:47:43.920 --> 0:47:44.319
<v Speaker 2>eats you.

0:47:47.120 --> 0:47:50.960
<v Speaker 1>We end every episode with the same question, why did

0:47:51.040 --> 0:47:53.919
<v Speaker 1>you want to tell your story.

0:47:54.560 --> 0:47:57.880
<v Speaker 2>I'll always mourn that I didn't get the life that

0:47:58.040 --> 0:48:00.920
<v Speaker 2>I set out to have as I grew up with

0:48:00.960 --> 0:48:04.719
<v Speaker 2>such dysfunction. My dream was to be married to someone

0:48:04.760 --> 0:48:07.160
<v Speaker 2>who loved me. I know, it's silly with that house

0:48:07.320 --> 0:48:12.000
<v Speaker 2>and white picket fence and a nice family, because I

0:48:12.000 --> 0:48:18.000
<v Speaker 2>didn't have it. In the end, it's also a cautionary tale.

0:48:18.560 --> 0:48:22.080
<v Speaker 2>There's a lot in there that I would never do again.

0:48:22.760 --> 0:48:25.120
<v Speaker 2>I had a bake of kill and he put money

0:48:25.200 --> 0:48:27.719
<v Speaker 2>in it, and I was okay with that. He paid

0:48:27.760 --> 0:48:30.480
<v Speaker 2>all the credit cards, he did all of it, and

0:48:30.520 --> 0:48:35.080
<v Speaker 2>I was clueless. You know, don't do that. Don't let

0:48:35.160 --> 0:48:37.879
<v Speaker 2>that happen to you. Some small things that I could

0:48:37.880 --> 0:48:41.320
<v Speaker 2>have done could have changed the course of my life.

0:48:41.480 --> 0:48:45.680
<v Speaker 2>And I mean literally, here I done today and while

0:48:45.880 --> 0:48:50.680
<v Speaker 2>life imploded, and I'm like, why did that happen? Maybe

0:48:50.719 --> 0:48:55.080
<v Speaker 2>to help other people, Maybe that's just as simple as that.

0:48:57.760 --> 0:49:01.280
<v Speaker 1>Next week on Betrayal Weekly, She's.

0:49:01.160 --> 0:49:05.680
<v Speaker 3>Doing so many lives, broken so many hearts. It's just

0:49:05.840 --> 0:49:12.640
<v Speaker 3>left me wondering did she ever have any love for

0:49:13.080 --> 0:49:20.319
<v Speaker 3>any of us?

0:49:21.520 --> 0:49:23.320
<v Speaker 1>If you would like to reach out to the Betrayal

0:49:23.360 --> 0:49:26.240
<v Speaker 1>team or want to tell us your Betrayal story, email

0:49:26.360 --> 0:49:30.600
<v Speaker 1>us at Betrayalpod at gmail dot com. That's Betrayal pod

0:49:30.960 --> 0:49:35.120
<v Speaker 1>at gmail dot com. We're grateful for your support. One

0:49:35.120 --> 0:49:37.439
<v Speaker 1>way to show support is by subscribing to our show

0:49:37.480 --> 0:49:40.600
<v Speaker 1>on Apple Podcasts, and don't forget to rate and review Betrayal.

0:49:41.040 --> 0:49:44.000
<v Speaker 1>Five star reviews go a long way. A big thank

0:49:44.040 --> 0:49:47.480
<v Speaker 1>you to all of our listeners. Betrayal is a production

0:49:47.520 --> 0:49:50.279
<v Speaker 1>of Glass Podcasts, a division of Glass Entertainment Group and

0:49:50.360 --> 0:49:54.120
<v Speaker 1>partnership with iHeart Podcasts. The show is executive produced by

0:49:54.200 --> 0:49:57.640
<v Speaker 1>Nancy Glass and Jennifer Fason, hosted and produced by me

0:49:57.880 --> 0:50:02.680
<v Speaker 1>Andrea Gunning, written and by Monique Leboard, also produced by

0:50:02.719 --> 0:50:07.240
<v Speaker 1>Ben Fetterman. Associate producers are Kristin Mercury and Caitlin Golden.

0:50:07.960 --> 0:50:12.040
<v Speaker 1>Our iHeart team is Ali Perry and Jessica Krincheck. Audio

0:50:12.120 --> 0:50:15.760
<v Speaker 1>editing and mixing by Matt del Vecchio, Additional editing support

0:50:15.760 --> 0:50:21.080
<v Speaker 1>from Tanner Robbins. Betrayal's theme composed by Oliver Bains. Music

0:50:21.160 --> 0:50:25.680
<v Speaker 1>library provided by Mybe Music and For more podcasts from iHeart,

0:50:25.840 --> 0:50:29.359
<v Speaker 1>visit the iHeartRadio app, Apple Podcasts, or wherever you get

0:50:29.400 --> 0:50:33.400
<v Speaker 1>your podcasts,