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Speaker 1: My husband makes one hundred and forty thousand dollars a year,

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Speaker 1: but we are severely in debt. I had no idea

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Speaker 1: where that money was going until today.

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Speaker 2: Oh oh, this sounds like some piping hot.

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Speaker 3: Da, there's some joics in this story.

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Speaker 1: John Fresh, squeeze, Oh you're a dollar only a dollar?

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Speaker 3: Come over, get this.

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Speaker 2: Joice, Let me suck the juice out of it.

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Speaker 1: Such that juicy jews baby. My husband makes a hundred

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Speaker 1: forty thousand dollars a year. I was making thirty thousand

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Speaker 1: dollars a year. We had no credit card debt when

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Speaker 1: I quit my job. Our mortgage and home equity loan

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Speaker 1: combined are two thousand dollars a month. My car payments

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Speaker 1: combined are five hundred dollars a month. Okay, And I

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Speaker 1: know Reddit thinks women asexually produced children and then forced

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Speaker 1: men to support them. But my husband enthusiastically wanted children

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Speaker 1: as well and had an equal role in creating them.

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Speaker 1: I didn't know it was a thing, now learned the

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Speaker 1: in cells on Reddit. Come on, there we are. My

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Speaker 1: salary would not have justified the cost of daycare. So

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Speaker 1: we both did the numbers one hundred different ways, and

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Speaker 1: it should still be working. I don't know what the

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Speaker 1: f he's spending money on, or even the extent of

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Speaker 1: the issue, but I know I didn't priviously spend money

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Speaker 1: like an effing idiot. I bust my ass to keep

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Speaker 1: our expenses low. The plan was that I would finish

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Speaker 1: school and start working again by the time my middle

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Speaker 1: was in kindergarten, so we would have only one child

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Speaker 1: in daycare. Okay, it was a good plan. It would

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Speaker 1: have worked. But then I found out something. What did

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Speaker 1: ope find out, Samuel, Well, we are fifty thousand dollars

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Speaker 1: in credit card debt.

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Speaker 3: In credit card debt, I did not know about this.

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Speaker 3: Oh my god.

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Speaker 1: We are also fifty thousand in debt on a home

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Speaker 1: equity loan.

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Speaker 3: Oh, come on, I did know about that.

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Speaker 1: Okay, We're two months behind on our mortgage and severely

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Speaker 1: behind on our car payment.

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Speaker 3: Oh.

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Speaker 1: I quit my job when we decided to have the

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Speaker 1: middle child three years ago. Then we had our youngest

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Speaker 1: a year ago, and I thought we were fine. I

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Speaker 1: don't know how this happened. I love him so much.

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Speaker 1: By all accounts, our our marriage is an ideal marriage,

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Speaker 1: is it. I thought we did everything right, but I

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Speaker 1: don't know. I have no idea how we will ever

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Speaker 1: come back from this. It'll take years to pay this off.

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Speaker 1: I am in school full time, but we'll need to

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Speaker 1: drop out because we can obviously no longer afford childcare

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Speaker 1: while I'm in Classang that just sets us back even

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Speaker 1: more because my earning potential is lower. The most eft

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Speaker 1: up part is that my dad did the same exact

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Speaker 1: thing to my mom. It was awful to live through

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Speaker 1: as a teenager. It was a serious contributor to me

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Speaker 1: being resistant to commitment or even relying on anyone for anything.

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Speaker 1: My husband obviously knew about this. It was my number

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Speaker 1: one reservation when I was quitting my job. I can't

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Speaker 1: believe I was so stupid. This is my worst fear

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Speaker 1: coming true, and I have no idea what to do.

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Speaker 1: And to be clear, we're not living large here. I

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Speaker 1: cook everything from scratch. We don't get takeout. I use

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Speaker 1: cloth diapers. I buy kids clothes secondhand or get hand

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Speaker 1: me downs. Our cars aren't new, our mortgage is very reasonable. Well,

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Speaker 1: we cut all the extra out when I stopped working

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Speaker 1: because my job would hardly have paid for daycare. There

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Speaker 1: is no reason his income should not be enough. I

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Speaker 1: don't know what he spent money on, but it clearly

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Speaker 1: wasn't our bills dot dot dot dot dot. Oh we

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Speaker 1: got an update.

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Speaker 2: Oh dear, I've sence the direction this is going.

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Speaker 3: Yeah, what do you think this update is?

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Speaker 2: I think he got some side poot dang some side boot.

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Speaker 3: Day.

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Speaker 1: I just realized how bad this is. Oh no, I

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Speaker 1: spent the day going through everything and talking to my

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Speaker 1: husband and he's cheating on me.

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Speaker 3: Oh.

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Speaker 1: The woman has two kids, and I guess he's been

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Speaker 1: helping her with them, two kids that they have together.

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Speaker 1: Oh no, they could be his for all I know. Okay,

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Speaker 1: but she's not sure. Wow, he's currently vomiting and crying

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Speaker 1: in the bathroom, So that's something great. I Unfortunately they

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Speaker 1: have to stay married to him long enough to figure

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Speaker 1: out the finances, and I'm talking to a bankruptcy lawyer

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Speaker 1: on Monday. Thank you to everyone who made me feel

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Speaker 1: a little less known today. Damn, op, I feel for you.

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Speaker 3: My God.

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Speaker 2: Also, like when she said she said in the story, uh,

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Speaker 2: we have an ideal marriage, I was like, that seems

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Speaker 2: to me.

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Speaker 3: I don't know, it's.

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Speaker 1: Rocky ground rocky Wow, how do you not notice?

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Speaker 3: Like? How did you find out just then and not

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Speaker 3: notice before.

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Speaker 2: I mean, I've heard one thing I've been doing in

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Speaker 2: the past few months is like unless she's not stop yeah, yeah,

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Speaker 2: Like I used to be like the most insane like

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Speaker 2: budget dr I would like get envelopes from the bank

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Speaker 2: for like my groceries and stuff. And then I've like

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Speaker 2: stopped doing that, and it's like nice to not be

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Speaker 2: like constantly thinking about it. Maybe that's what she was doing,

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Speaker 2: Like Okay, let me like we have we have the plan.

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Speaker 3: We've done.

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Speaker 2: They crunched the math the DAC or the mortgage, the

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Speaker 2: car payments, like like she said in the beginning, the

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Speaker 2: math all worked out, assuming that's what they were spending on, right,

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Speaker 2: But he probably would able to maybe go under her

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Speaker 2: nose because she wasn't.

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Speaker 1: But like what is he not like putting money in

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Speaker 1: the bank account, like the joint bank account every day

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Speaker 1: or every week or something or every two weeks.

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Speaker 2: I think the thing that's crazy is that it went

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Speaker 2: this this fall. Yeah, I could I could see. I

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Speaker 2: could see her like catching it maybe like two or

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Speaker 2: three months in and being like wait to see yeah,

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Speaker 2: some things, but like this sounds like years.

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Speaker 1: I'm honestly not sure it's fifty thousand dollars in credit

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Speaker 1: card debt. Actually that much If you're making one hundred

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Speaker 1: and forty K.

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Speaker 2: Fifty thousand in credit card debt is very bad because

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Speaker 2: the what.

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Speaker 3: Does fifty thousand in credit card debt mean?

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Speaker 2: It means so you have to pay. They're probably paying

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Speaker 2: eighteen to thirty percent interest on it. Oh so every

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Speaker 2: single month they get charged one twelfth of whatever their

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Speaker 2: interest rate is.

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Speaker 3: Oh, so that's that's fucked.

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Speaker 2: Yeah, let's see fifty times. So they're paying ten grand

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Speaker 2: a year in interest alone, an interest alone, and that's

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Speaker 2: that's like, well, no, no, a thousand.

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Speaker 1: It would be more than ten grand a year, right

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Speaker 1: if it's so let's say it's fifty time twelve No,

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Speaker 1: so is.

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Speaker 3: It not fifteen percent a month? No?

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Speaker 2: No, no no, So it's like twenty percent annually, So

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Speaker 2: you divide that by the month. But I mean, I

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Speaker 2: mean still they could literally pay eight hundred and thirty

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Speaker 2: dollars a month on their credit card and literally not

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Speaker 2: pay off a cent like they could spend. If they

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Speaker 2: paid down their their credit card bill like like ten

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Speaker 2: k for the whole year, they would still be fifty

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Speaker 2: k in debt.

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Speaker 1: Bad but all right, but even even if that's true,

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Speaker 1: like like if you're making one hundred and forty k,

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Speaker 1: I feel like that should be like not terrible to

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Speaker 1: pay off h forty k is like I forget her.

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Speaker 2: It was good that she put the numbers in the beginning,

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Speaker 2: but like, how much is there more? How much is

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Speaker 2: there like so it's.

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Speaker 1: Two thousand, so yeah, actually, let's let's look through this.

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Speaker 1: So two thousand dollars a month for the home loan yep,

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Speaker 1: five hundred a month for car payments, child care for

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Speaker 1: three kids, another three grand a month.

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Speaker 2: Yeah, for extraneous so I mean six point six point

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Speaker 2: five sixty five hundred a month and expenses probably okay,

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Speaker 2: and then you're making eleven thousand, six hundred before taxes.

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Speaker 2: So maybe that's let's say, let's say he's making around

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Speaker 2: like nine or ten grand.

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Speaker 3: Yeah, you're right, you're right.

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Speaker 2: I mean that's he's still making ten grand, which which.

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Speaker 3: Probably have like a grand leftover for.

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Speaker 2: Which isn't which isn't crazy considering that, Well, the crazy

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Speaker 2: part is how did he get so in debt? I mean,

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Speaker 2: he must have been spending a lot on that family.

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Speaker 2: That's the only way I want to maybe got a

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Speaker 2: credit card in his in his name without without her

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Speaker 2: having a the account access, so it's like, ye found

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Speaker 2: out maybe that was like under their joint or his

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Speaker 2: name or whatever, and then it's like he just never

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Speaker 2: told her about it and she would never know.

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Speaker 1: Spooky dude, spooky dang. If you liked that story, check

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Speaker 1: out this one. I Arrested my fiance for cheatingh