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Speaker 1: Yeah, let it coming at your hands right now. All right,

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Speaker 1: thank you, team Tommy. Subject my mother is ruining my future.

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Speaker 1: Here Stephen Shirley. I am a black young lady in

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Speaker 1: my mid twenties, and I've been in debt since I

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Speaker 1: graduated from college in twenty sixteen. I assumed I would

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Speaker 1: be stepping out into the real world and paying a

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Speaker 1: few bills, but not as many as I have now.

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Speaker 1: While I was in college, my mom opened multiple credit

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Speaker 1: cards in my name and proceeded to max them all

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Speaker 1: out on her bills and personal items. Fast forward to today,

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Speaker 1: my credit card debt is well over eighty five hundred

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Speaker 1: dollars and I am trying to pay the minimum payments

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Speaker 1: on the bills so I can maintain a good credit score.

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Speaker 1: I have an accounting degree, but how can I tell

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Speaker 1: others how to manage money? And my finances are terrible.

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Speaker 1: I am upset and feel like I should not have

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Speaker 1: to pay these bills since I didn't open these accounts

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Speaker 1: or use the credit cards. But that's not my only problem.

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Speaker 1: I'm living with my mom rent free, so if I

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Speaker 1: complain to her about the creating this illegal credit card debt,

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Speaker 1: she tells me, I'm ungrateful, and I need to be

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Speaker 1: glad that I have a roof over my head. I

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Speaker 1: would much rather pay my own rent instead of paying

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Speaker 1: all the high interest rates on all of these credit cards,

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Speaker 1: but I can't afford to. My main concern is salvaging

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Speaker 1: my credit worthiness. I recently found out that my mom

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Speaker 1: is still using one of the cards to buy household

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Speaker 1: items and groceries each month. Yes, I do eat the food,

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Speaker 1: but I can chip in and pay for the food

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Speaker 1: instead of using credit cards. I have asked her again

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Speaker 1: to stop using the cards. She got so upset with

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Speaker 1: me that she told me to move out of her

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Speaker 1: house within two months. I would like to approach her again,

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Speaker 1: but I don't know how to do how to without

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Speaker 1: her retaliating in this way. I can't afford to move out.

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Speaker 1: Please help. Wow, I can't believe your mom is doing this.

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Speaker 1: I mean, I don't care if you are. I don't

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Speaker 1: care if you are staying there rent free. Yeah, this

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Speaker 1: is not cool on your mom's part. And uh, you know,

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Speaker 1: I thought you were gonna say that you had student loans,

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Speaker 1: that's why you were in debt or something like that,

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Speaker 1: not because your mom went and got credit cards in

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Speaker 1: your name and she's maxim all out. I mean, I

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Speaker 1: did that to my mom's credit card when I was,

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Speaker 1: you know, eighteen or something, and of course I paid

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Speaker 1: her back, but the reverse sounds crazy to me. And

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Speaker 1: you know, just a side note, do you have a

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Speaker 1: friend or a relative that you could possibly become roommates

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Speaker 1: with and share some of these expenses? Because daughter, dear,

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Speaker 1: your mom really has you over a barrel right now.

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Speaker 1: I cannot believe she is taking advantage of you like this.

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Speaker 1: This is a hard one. I mean, how are you

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Speaker 1: ever gonna be able to get out of this hole

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Speaker 1: if she keeps charging stuff on your card. I'm glad

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Speaker 1: that you say you want to have some credit integrity.

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Speaker 1: I like that. That must be the accountant in you.

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Speaker 1: And uh, with you paying just a minimum amount paying

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Speaker 1: it off, it's gonna take quite some time. It's gonna

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Speaker 1: take forever. I mean it'll you'll get it done, but

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Speaker 1: it's gonna take quite a long time. So there's no

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Speaker 1: way you're gonna be free for a while in that respect.

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Speaker 1: So um, I do think it's time to put your

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Speaker 1: accounting degree to work. Though you are right, how can

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Speaker 1: you tell others how to manage their situations, their financial situations,

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Speaker 1: and yours are terrible. What would you what would you

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Speaker 1: tell your client? You got to become a client, in

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Speaker 1: this case, your own Clientum, what would you advise them

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Speaker 1: to work out? Wouldn't you say, get a plan together

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Speaker 1: to pay off some of these credit cards, consolidate, condense

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Speaker 1: them into one. Um, you know you would you would

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Speaker 1: tell them something along these lines. I'm thinking, uh, you know,

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Speaker 1: and to start saving a little more if you can,

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Speaker 1: to get out of your mom's house and all of that,

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Speaker 1: get out of her own and get your own apartment.

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Speaker 1: Whatever you would tell your clients, be quiet, Steve, finished,

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Speaker 1: almost finished. You get so much your turn hold on.

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Speaker 1: Whatever you would tell your client as an accountant, that's

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Speaker 1: how you deal with this situation for yourself. Okay, now, Steve,

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Speaker 1: don't be rude. I wasn't being rude, Shirley. But you breathing.

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Speaker 1: But Sureley, you so nice. Let's stop you now, this

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Speaker 1: is what we're gonna do. Tied, it is here, you know,

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Speaker 1: I just you know some of these letters, Shureley, we

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Speaker 1: ain't gotta take our time with my mother is ruining

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Speaker 1: my future. I'm a black young lady, my mid twenties.

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Speaker 1: I've been in debt since I graduated in twenty sixteen

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Speaker 1: from college. You wanted to step out in the real world,

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Speaker 1: paying a few bial, but not as many as you

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Speaker 1: have now, because while I was in college, my mom

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Speaker 1: open multiple credit cards in my name and proceeded to

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Speaker 1: max them all out on her bills and personal items.

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Speaker 1: Fast forward to today. My credit card that is eighty

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Speaker 1: five hundred. I'm trying to pay the minimum payment so

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Speaker 1: I can have a good credit score. Pay men. Hold up, Shirley, Yeah,

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Speaker 1: you've gave the nice version, all right. Now listen to me.

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Speaker 1: What I'm about to tell you is not about people.

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Speaker 1: This is about mindset. Let's keep that in mind, so

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Speaker 1: don't hit me up talking about No, I'm from the ghetto.

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Speaker 1: I would never do that. I live in a trailer park.

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Speaker 1: I would never do that. I'm talking about a mindset,

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Speaker 1: and y'all know what I'm talking about. We can live

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Speaker 1: in a ghetto but not think like that. You could

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Speaker 1: live in a trailer park but not think like that.

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Speaker 1: I'm just talking mindset now, not a place a mentality, Yo,

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Speaker 1: Mama to put all these credit cards in their children's name,

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Speaker 1: like in the cable putting your baby's name, getting electric

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Speaker 1: cut on in your baby name did getting electric disconnected?

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Speaker 1: Twenty years later, his ass can't even get lights turned

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Speaker 1: on an apartment. Hold that thought, Steve Hold that heale subject,

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Speaker 1: my mother is ruining my future. Translation, my mama is

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Speaker 1: trailer park and get on all at the same time.

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Speaker 1: That's what this letter is. This woman wise her daughter

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Speaker 1: was in college, then put all these credit cards in

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Speaker 1: this girl's name. She in her early twenties, now her

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Speaker 1: hood mama to put all these credit cards in her

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Speaker 1: name and ran it up. She eight thousand and five

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Speaker 1: hundred dollars in debt. She trying to pay the minimum.

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Speaker 1: The girl got an accounting degree and she's trying to

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Speaker 1: get her life together by making minimum payments. But she

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Speaker 1: can't afford to pay all these minimum payments. And then

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Speaker 1: she lives with her mama. She's upset about it, and

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Speaker 1: she feels like she shouldn't have to pay these bills.

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Speaker 1: But only that's not her only problem, because she lived

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Speaker 1: with her mama rent free. So when you could when

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Speaker 1: she complained to her mama about creating the illegal credit cause,

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Speaker 1: she tells me, I'm ungrateful. I need to be glad

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Speaker 1: I got a roof over my head? What where was

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Speaker 1: you gonna stay if you hadn't to run up to

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Speaker 1: these credit cards? Wasn't you still gonna have a place

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Speaker 1: to stay? Mama? So now I got to be grateful

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Speaker 1: because you have stole my social Security number and open

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Speaker 1: up these damn credit cards. What do that got to

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Speaker 1: do with the roof over here? I needn't die to

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Speaker 1: be glad that you got a roof. I would much

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Speaker 1: rather pay my own ran instead of paying all these

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Speaker 1: high interest rates on these credit cards. But I can't

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Speaker 1: now if the girl is concerned about salvage and her credit.

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Speaker 1: Now as you recently found out that a mama's still

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Speaker 1: using one of the damn cards to buy household items

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Speaker 1: and groceries each month. Now that any girl said, yeah,

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Speaker 1: I do eat the food, but I could chip here

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Speaker 1: to pay for the food instead of using these credit cards.

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Speaker 1: I've asked her again to stop using the car. She

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Speaker 1: got some upset with me. She told me to move

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Speaker 1: out of her house within two months. I would like

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Speaker 1: to approach her again, but I don't know how without

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Speaker 1: retaliating in this way, I can't afford to move out.

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Speaker 1: Please help, Okay, here's what you gotta do. First thing,

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Speaker 1: the cards is in your name. Call all these credit

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Speaker 1: people and stop charging capabilities. That's the first thing you

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Speaker 1: gotta do, because your mama ain't listening. She steady charging stuff.

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Speaker 1: Cut the damn credit cards off when your mama asked

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Speaker 1: about them. Remember now there in your name. So ain't

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Speaker 1: nothing you got to do except turn them off. That way,

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Speaker 1: she can't run it up no more because you gotta

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Speaker 1: stop the bleeding. She's not gonna stop the bleeding, so

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Speaker 1: you have to stop the bleeding. Next thing, when she

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Speaker 1: tell you to move out her house, don't move squat.

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Speaker 1: She ain't gonna throw y'all become a squatter. Yeah yeah, See,

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Speaker 1: one illegal move deserves another illegal move. You illegally stolen,

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Speaker 1: got eas illegal credit card. Now she's telling you you

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Speaker 1: gotta move in two months. You ain't moving. No damn well,

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Speaker 1: my MoMA ain't got nowhere to move. I can't move nowhere.

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Speaker 1: I'm coming right here. If she changed a lot, just

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Speaker 1: beat on the door till she comes to the dough

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Speaker 1: she coming. Can't nobody lay up in there while you

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Speaker 1: just beating a mama and mama, mama, mama, mama, mama, mama, mama, mama, mama, mama, mam.

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Speaker 1: Every parent can't stand for their child and be somewhere

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Speaker 1: and keep calling their name, mama, mama. Dad gets on

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Speaker 1: your dad and hey dad, dad, ay, it gets on

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Speaker 1: your last damn name. So she's not gonna lock you out.

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Speaker 1: And that's how you stop the bleeding from the credit.

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Speaker 1: You keep staying there rent free, and you get these

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Speaker 1: credit cards paid down. Now, if I wish you like

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Speaker 1: Shirley said, I would do some type of bill consolidation

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Speaker 1: so you can just get one note at a lower

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Speaker 1: rate and let's get this stuff paid off and in

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Speaker 1: two years you'll be in good shape. But I want

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Speaker 1: you to squat in your mama's house for at least

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Speaker 1: two years. And if your mama say anything to your body,

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Speaker 1: report her to her job. Take her down to the

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Speaker 1: church and tell the pastor all. Go on Facebook, old people, yeah,

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Speaker 1: old ass people, its own Facebook. Go to her Facebook page,

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Speaker 1: post it down on the bulletin board and her job.

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Speaker 1: My mama trying to put me out? Can I stay

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Speaker 1: with one of y'all? You know I had a little

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Speaker 1: pin ups on the wall, my mom my, mama, Dolores

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Speaker 1: is trying to put me out. Can I stay with

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Speaker 1: one of y'all? Yeah? I know she got one of

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Speaker 1: them named my mama, Harriet, my mama, Gwen, my Mama, Stella,

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Speaker 1: my mama, Dorothy Bobar my mama, and tell on her ass.

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Speaker 1: But you got plenty of time. She ain't called her bluff.

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Speaker 1: She said, I want you out of my house. I'm

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Speaker 1: not going no damn where I can't move because I'm

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Speaker 1: paying your credit card bills. Mama. Thank you, sir. Post

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Speaker 1: your comments on Today's Strawberry Letter on Instagram and Facebook

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Speaker 1: at Steve Harvey FM, and check out the Strawberry Letter

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Speaker 1: podcast on demand. I noticed half ain't posted nothing on

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Speaker 1: my favorites. You're listening to the Stave Harvey Morning Show