1 00:00:00,120 --> 00:00:01,360 Speaker 1: This is the Fread Show. 2 00:00:02,120 --> 00:00:05,120 Speaker 2: Dame is taking over Las Vegas this January for his 3 00:00:05,200 --> 00:00:08,360 Speaker 2: seven night residencey Adobe Live at Park MGM, and we've 4 00:00:08,360 --> 00:00:10,680 Speaker 2: got a trip for two to the January twenty fifth 5 00:00:10,680 --> 00:00:14,000 Speaker 2: show to night Hotel State at Park MGM January twenty 6 00:00:14,000 --> 00:00:17,239 Speaker 2: fourth through the twenty sixth and round trip airfare. Text 7 00:00:17,480 --> 00:00:20,279 Speaker 2: Zane to three seven three three seven now for a 8 00:00:20,360 --> 00:00:22,680 Speaker 2: chance to win. A confirmation text will be sent standard 9 00:00:22,680 --> 00:00:23,960 Speaker 2: message of data rates may apply. 10 00:00:24,120 --> 00:00:26,599 Speaker 1: All thanks to Live Nation. The Fread Show is on. 11 00:00:27,160 --> 00:00:32,720 Speaker 2: It's stay or go Okay, more opinions from us Kelsey. 12 00:00:32,280 --> 00:00:35,760 Speaker 1: This time Hi Kelsey, Hi, how's it going? 13 00:00:36,000 --> 00:00:38,680 Speaker 2: Good morning, thanks for being here, Welcome to the programs. 14 00:00:38,760 --> 00:00:43,040 Speaker 2: So this is where people hit us seven ask us 15 00:00:43,080 --> 00:00:47,080 Speaker 2: for our opinions. Are the thirteen's opinions about steps going 16 00:00:47,120 --> 00:00:48,560 Speaker 2: on in their life? You can hit us at Freendshow 17 00:00:48,640 --> 00:00:50,839 Speaker 2: radio dot com on all the different socials. This is 18 00:00:50,840 --> 00:00:52,800 Speaker 2: about your boyfriend. You guys have been together for a 19 00:00:52,840 --> 00:00:55,240 Speaker 2: year and a half and decided to move in together 20 00:00:55,280 --> 00:00:55,840 Speaker 2: and then what. 21 00:00:57,520 --> 00:01:01,680 Speaker 3: So we looked up places. We did find one that 22 00:01:01,720 --> 00:01:04,280 Speaker 3: we really liked, and so we put in that application 23 00:01:04,480 --> 00:01:10,319 Speaker 3: for it standard process and then for whatever reason, like 24 00:01:10,360 --> 00:01:13,280 Speaker 3: we got denied for it. I said that it ran 25 00:01:13,319 --> 00:01:15,200 Speaker 3: our credit and. 26 00:01:15,240 --> 00:01:17,280 Speaker 1: You have good crowd or was it a little bit 27 00:01:17,280 --> 00:01:18,520 Speaker 1: of a roll the dice there? 28 00:01:19,440 --> 00:01:20,560 Speaker 3: My credit is pretty good. 29 00:01:20,760 --> 00:01:23,280 Speaker 4: I mean, you know it is what it is. 30 00:01:23,440 --> 00:01:26,440 Speaker 2: Okay, so you expected to get this though, like you didn't. 31 00:01:26,440 --> 00:01:28,680 Speaker 2: You didn't do this, and you're like wet to see 32 00:01:28,680 --> 00:01:30,400 Speaker 2: if they find that credit card bill or whatever. 33 00:01:30,440 --> 00:01:33,720 Speaker 1: But then you expected it wouldn't be an issue, right. 34 00:01:33,800 --> 00:01:35,400 Speaker 3: I didn't think it would be that big of a deal, 35 00:01:35,520 --> 00:01:37,480 Speaker 3: Like obviously I wouldn't put the application in because we 36 00:01:37,520 --> 00:01:40,800 Speaker 3: had to pay for that, right, So I just wasn't expecting. 37 00:01:43,120 --> 00:01:46,000 Speaker 3: So they denied this. I called, I'm like, hey, what's 38 00:01:46,000 --> 00:01:46,440 Speaker 3: going on? 39 00:01:46,720 --> 00:01:46,960 Speaker 4: You know? 40 00:01:47,240 --> 00:01:50,520 Speaker 3: They said they couldn't proceed because of my boyfriend's credit, 41 00:01:50,600 --> 00:01:51,400 Speaker 3: not because of mine. 42 00:01:51,520 --> 00:01:54,600 Speaker 1: Oh and that was surprising. 43 00:01:55,120 --> 00:01:57,880 Speaker 3: Oh definitely it was. It was even more surprising because 44 00:01:58,040 --> 00:01:59,840 Speaker 3: not only was the credit like that, it was like 45 00:02:00,000 --> 00:02:02,240 Speaker 3: really bad, Like I didn't even know you could get 46 00:02:02,240 --> 00:02:02,960 Speaker 3: a credit score that. 47 00:02:03,000 --> 00:02:03,440 Speaker 4: I love. 48 00:02:05,360 --> 00:02:09,280 Speaker 3: No shade, no shade, Okay, I love him, I love 49 00:02:09,360 --> 00:02:13,200 Speaker 3: my boyfriend, but it's also just like day, like when 50 00:02:13,240 --> 00:02:14,480 Speaker 3: were you going to tell me that? It was a 51 00:02:14,480 --> 00:02:17,400 Speaker 3: lot of like details to it too, like they owe 52 00:02:17,520 --> 00:02:23,120 Speaker 3: he specifically owes that rental company thousands of dollars like 53 00:02:23,280 --> 00:02:26,440 Speaker 3: thousands of rent like over a past lease. And he 54 00:02:26,440 --> 00:02:28,520 Speaker 3: didn't tell me that. And it's like if you knew, 55 00:02:28,639 --> 00:02:32,240 Speaker 3: if you knew that before we applied, why wouldn't you 56 00:02:32,280 --> 00:02:32,680 Speaker 3: say that? 57 00:02:33,360 --> 00:02:33,840 Speaker 1: Okay? 58 00:02:33,960 --> 00:02:36,920 Speaker 2: So and then you converted him, right because you're like, hey, 59 00:02:36,960 --> 00:02:38,480 Speaker 2: what's going on with this? Like why didn't we talk 60 00:02:38,520 --> 00:02:41,000 Speaker 2: about it? And then what does he what's his response? Oh, yeah, 61 00:02:41,080 --> 00:02:45,000 Speaker 2: my bad, Like I thought, maybe I don't know, I 62 00:02:45,040 --> 00:02:46,320 Speaker 2: forgot the old roommate. 63 00:02:46,720 --> 00:02:48,919 Speaker 3: Basically, no, not even my bad, right, I would even 64 00:02:49,000 --> 00:02:50,960 Speaker 3: be okay with my bad. It wasn't even that it 65 00:02:51,040 --> 00:02:55,000 Speaker 3: was oh my old roommate, they didn't pay it affected 66 00:02:55,040 --> 00:02:57,480 Speaker 3: my credit, blah blah blah. We were both on the lease. 67 00:02:57,800 --> 00:03:00,560 Speaker 3: And so I'm like, okay, why wouldn't you just tell 68 00:03:00,639 --> 00:03:02,480 Speaker 3: me that, like ahead of time? You know it's the 69 00:03:02,520 --> 00:03:05,480 Speaker 3: same company. So I don't know. I just really am 70 00:03:05,520 --> 00:03:08,480 Speaker 3: confused about it because I also feel like it almost 71 00:03:08,480 --> 00:03:11,120 Speaker 3: feels like lying, like it's almost like a liable mission, 72 00:03:11,160 --> 00:03:11,720 Speaker 3: like you knew that. 73 00:03:12,600 --> 00:03:14,000 Speaker 1: Yeah, he knew he had bad credit. 74 00:03:14,040 --> 00:03:16,160 Speaker 2: He knew they were running the credit because that's pretty 75 00:03:16,160 --> 00:03:18,919 Speaker 2: standard when you go rent something and he didn't give 76 00:03:18,919 --> 00:03:21,400 Speaker 2: you any heads up and then and then it's someone 77 00:03:21,480 --> 00:03:24,200 Speaker 2: else's fault entirely, which then I would start to say, well, 78 00:03:24,200 --> 00:03:27,960 Speaker 2: if my credit was completely screwed, then I'm tracking that 79 00:03:28,000 --> 00:03:29,840 Speaker 2: person down. I'm trying to get the money. I'm trying 80 00:03:29,840 --> 00:03:31,880 Speaker 2: to get ustraightened out, you know, because I don't want 81 00:03:31,880 --> 00:03:33,359 Speaker 2: to live like that. I don't want to run into 82 00:03:33,440 --> 00:03:36,040 Speaker 2: this every time, especially if it's actually someone else's fault. 83 00:03:36,120 --> 00:03:38,240 Speaker 1: But then he seems a little complacent. 84 00:03:37,840 --> 00:03:41,760 Speaker 2: About it, even because it's oh, yeah that Yeah. 85 00:03:40,720 --> 00:03:42,800 Speaker 1: It's a shame, isn't it. I like that it's someone 86 00:03:42,800 --> 00:03:43,400 Speaker 1: else's fault. 87 00:03:44,280 --> 00:03:46,120 Speaker 3: Yeah, But he's you know, I will give him this, 88 00:03:46,320 --> 00:03:48,720 Speaker 3: Like he is working, and he's working towards a lot 89 00:03:48,720 --> 00:03:50,839 Speaker 3: of different things. And so that's also part of why 90 00:03:50,840 --> 00:03:53,280 Speaker 3: I feel like conflict. They're right, because I see him 91 00:03:53,280 --> 00:03:56,640 Speaker 3: putting in the efforts to like really rebuild himself and 92 00:03:56,680 --> 00:03:59,360 Speaker 3: rebuild his life, and so I just I don't even 93 00:03:59,440 --> 00:04:01,080 Speaker 3: know if that's But I also at the same time, 94 00:04:01,080 --> 00:04:02,280 Speaker 3: I don't know if that's something I want to be 95 00:04:02,280 --> 00:04:04,880 Speaker 3: involved in. Right, It's like I can help you a 96 00:04:04,880 --> 00:04:07,200 Speaker 3: little bit, but I don't I don't want to be 97 00:04:07,280 --> 00:04:08,160 Speaker 3: responsible for. 98 00:04:08,720 --> 00:04:09,640 Speaker 1: Yeah, can I do that? 99 00:04:09,680 --> 00:04:10,160 Speaker 5: Makes sense? 100 00:04:10,360 --> 00:04:14,040 Speaker 2: I've never I've never rented an apartment with someone else, 101 00:04:14,040 --> 00:04:15,800 Speaker 2: But I mean, can you You're going to run into 102 00:04:15,800 --> 00:04:18,040 Speaker 2: this every time? So then are you able to are 103 00:04:18,080 --> 00:04:20,080 Speaker 2: you able to rent the apartment just you and they 104 00:04:20,120 --> 00:04:22,000 Speaker 2: don't run his credit? Or I mean, is this something 105 00:04:22,040 --> 00:04:23,240 Speaker 2: that you're not going to be able to get an 106 00:04:23,279 --> 00:04:26,680 Speaker 2: apartment until or a good apartment or whatever and until 107 00:04:26,720 --> 00:04:27,600 Speaker 2: he clears this up? 108 00:04:27,880 --> 00:04:28,760 Speaker 1: It is my question. 109 00:04:30,800 --> 00:04:33,000 Speaker 3: I don't even know, like we haven't even gotten there. 110 00:04:33,279 --> 00:04:35,640 Speaker 3: It's just I need to make the decision first. I 111 00:04:35,640 --> 00:04:38,960 Speaker 3: think as far as like am I gonna bring him 112 00:04:39,000 --> 00:04:41,960 Speaker 3: along with me? Or am I just gonna not? 113 00:04:42,680 --> 00:04:42,920 Speaker 1: You know? 114 00:04:43,200 --> 00:04:46,520 Speaker 3: So I think, you know, it is a liability. It's like, 115 00:04:46,560 --> 00:04:48,120 Speaker 3: do I even want to put his name on the 116 00:04:48,200 --> 00:04:49,520 Speaker 3: leash if that's the case. 117 00:04:49,760 --> 00:04:50,000 Speaker 4: You know. 118 00:04:50,160 --> 00:04:53,000 Speaker 2: So it's like, yeah, which is something you're gonna have 119 00:04:53,040 --> 00:04:54,320 Speaker 2: to But then you're stuck with the whole thing if 120 00:04:54,360 --> 00:04:57,640 Speaker 2: something happens eight five five five three five. I'd love 121 00:04:57,640 --> 00:04:59,480 Speaker 2: to tell what people if they've been through this, what 122 00:04:59,520 --> 00:05:01,760 Speaker 2: they have to say, but it you know, it's I'm 123 00:05:01,800 --> 00:05:03,839 Speaker 2: glad that he's not just sitting on the couch playing 124 00:05:03,920 --> 00:05:06,360 Speaker 2: video games with bad credit and yeah, I don't know, 125 00:05:06,600 --> 00:05:08,440 Speaker 2: and it doesn't seem to be any motivation for him 126 00:05:08,440 --> 00:05:11,400 Speaker 2: to sort of have success in his life. That being said, 127 00:05:12,120 --> 00:05:14,200 Speaker 2: I do think it's us that he didn't ever bring 128 00:05:14,240 --> 00:05:17,720 Speaker 2: this up, like, like, why why didn't he going into 129 00:05:17,760 --> 00:05:20,640 Speaker 2: this process? Go hey, look, heads up, you know I 130 00:05:20,680 --> 00:05:23,160 Speaker 2: do have this situation. It's going to come up when 131 00:05:23,200 --> 00:05:24,800 Speaker 2: they run the credit. We may not be able to 132 00:05:24,839 --> 00:05:26,760 Speaker 2: get the places that we want. And here are the 133 00:05:26,760 --> 00:05:28,560 Speaker 2: steps that I'm taking to resolve it so that it's 134 00:05:28,600 --> 00:05:30,839 Speaker 2: not something that, you know, hangs over our heads for 135 00:05:30,880 --> 00:05:33,480 Speaker 2: the rest of our lives. He didn't do that, which 136 00:05:33,520 --> 00:05:36,440 Speaker 2: makes me then wonder why not you know, because again, 137 00:05:36,520 --> 00:05:39,000 Speaker 2: this isn't a surprise to him. 138 00:05:39,880 --> 00:05:42,599 Speaker 3: No, And if he did, if he didn't know, that's 139 00:05:42,600 --> 00:05:45,080 Speaker 3: a problem too, because how didn't you know that? Like 140 00:05:45,160 --> 00:05:46,880 Speaker 3: what why aren't you diligent enough? 141 00:05:47,000 --> 00:05:47,600 Speaker 1: You know what I mean? 142 00:05:47,680 --> 00:05:50,279 Speaker 3: So either way, this is a problem, and I'm trying 143 00:05:50,279 --> 00:05:51,839 Speaker 3: to figure out if I want to keep being involved 144 00:05:51,880 --> 00:05:52,080 Speaker 3: in it. 145 00:05:52,320 --> 00:05:54,320 Speaker 2: Well because if if it's not resolved, I don't know 146 00:05:54,360 --> 00:05:56,400 Speaker 2: how long that stuff lasts or how quickly you can 147 00:05:56,440 --> 00:05:59,159 Speaker 2: turn it around. But you know this you might have 148 00:05:59,200 --> 00:06:01,560 Speaker 2: to buy all the you might have to buy the house, 149 00:06:01,600 --> 00:06:03,839 Speaker 2: you might have to do all the renting of everything. 150 00:06:04,040 --> 00:06:05,960 Speaker 2: You might have to have the credit cards in your name. 151 00:06:06,000 --> 00:06:08,840 Speaker 2: And that's now we're talking about something. If I'm right 152 00:06:08,880 --> 00:06:11,800 Speaker 2: about that, because again I've never I've never call mingled funds. 153 00:06:11,920 --> 00:06:14,960 Speaker 2: Now we're talking about where everything is on you and 154 00:06:15,000 --> 00:06:16,960 Speaker 2: he can just walk because it's all on your name. 155 00:06:17,440 --> 00:06:20,200 Speaker 2: And I wouldn't like that feeling either of somebody out there, 156 00:06:20,240 --> 00:06:23,400 Speaker 2: you know, sort of spending and living and existing under 157 00:06:23,480 --> 00:06:25,760 Speaker 2: my credit because you hear about this happening. And I 158 00:06:25,760 --> 00:06:28,440 Speaker 2: don't know this guy, but you sometimes hear about people 159 00:06:28,839 --> 00:06:31,839 Speaker 2: screwing up other people's credit this way and now and 160 00:06:31,880 --> 00:06:33,360 Speaker 2: then you got to fix it again. 161 00:06:34,800 --> 00:06:37,160 Speaker 3: Yeah, and I don't I don't know. I don't think. 162 00:06:38,160 --> 00:06:40,479 Speaker 3: I don't know if it's worth it, Honestly. 163 00:06:40,240 --> 00:06:42,960 Speaker 6: No matter what you do, make sure, sorry, make sure 164 00:06:43,000 --> 00:06:44,880 Speaker 6: you move into a place that you can afford if 165 00:06:44,920 --> 00:06:46,440 Speaker 6: you do end up moving in with him, that you 166 00:06:46,440 --> 00:06:48,800 Speaker 6: can afford on your own in case something happens, just 167 00:06:48,800 --> 00:06:51,080 Speaker 6: so you're protected. But if his credit is bad, they 168 00:06:51,120 --> 00:06:53,600 Speaker 6: will not allow him on the lease, so it would 169 00:06:53,640 --> 00:06:56,440 Speaker 6: be just you getting approved. If they'll still let you 170 00:06:56,480 --> 00:06:58,599 Speaker 6: after running his but you need to make sure that 171 00:06:58,680 --> 00:07:01,000 Speaker 6: you can handle it on your own us to protect yourself. 172 00:07:01,040 --> 00:07:02,800 Speaker 2: Yeah, I don't want you wind it up on Keiky scored, 173 00:07:02,839 --> 00:07:04,719 Speaker 2: because that's a whole different thing. If you wind up 174 00:07:04,800 --> 00:07:07,159 Speaker 2: on both stair going, we got a real problem on 175 00:07:07,200 --> 00:07:09,880 Speaker 2: our hands. It's not good. Let me take some phone 176 00:07:09,880 --> 00:07:12,040 Speaker 2: calls and see maybe people have lived I'm sure people 177 00:07:12,080 --> 00:07:15,280 Speaker 2: have lived this before and figured it out. But yeah, 178 00:07:15,360 --> 00:07:17,960 Speaker 2: my husband Kelsey, have a good day, and thanks for listening, 179 00:07:17,960 --> 00:07:19,440 Speaker 2: and have the radio one up? 180 00:07:19,440 --> 00:07:19,960 Speaker 7: Should we call it? 181 00:07:20,000 --> 00:07:20,200 Speaker 3: Thank you? 182 00:07:20,640 --> 00:07:22,640 Speaker 7: Turn that radio off, Bobby right now. 183 00:07:23,120 --> 00:07:26,280 Speaker 8: Like the thing is I was different, Like I was 184 00:07:26,360 --> 00:07:29,480 Speaker 8: very transparent of like this is like the debt that I. 185 00:07:29,440 --> 00:07:32,640 Speaker 7: Have occurred, A cured whatever the word is. I've done this. 186 00:07:32,640 --> 00:07:34,760 Speaker 1: This is my debt. Is it occurred? 187 00:07:34,760 --> 00:07:35,040 Speaker 9: All right? 188 00:07:35,320 --> 00:07:39,239 Speaker 7: I told him the marriage and I cured it I marriage. 189 00:07:39,280 --> 00:07:41,040 Speaker 7: I told him after marriage and he's like, oh, I 190 00:07:41,080 --> 00:07:41,960 Speaker 7: didn't know it was this. 191 00:07:43,560 --> 00:07:45,240 Speaker 1: You incurred it, by the way, but anay, go ahead, 192 00:07:45,280 --> 00:07:46,560 Speaker 1: sorry that was that was stuck on my. 193 00:07:46,680 --> 00:07:49,600 Speaker 8: Well, Like uh yeah, so you know, living off my 194 00:07:49,680 --> 00:07:52,679 Speaker 8: husband is it's very valid at this moment of life. 195 00:07:52,720 --> 00:07:55,000 Speaker 8: But I do contribute. Obviously, I work, and I and 196 00:07:55,040 --> 00:07:57,080 Speaker 8: I pay bills, and I actually have my own home 197 00:07:57,160 --> 00:07:58,240 Speaker 8: that I purchased on my own. 198 00:07:58,280 --> 00:08:00,840 Speaker 7: Hell yeah, thank you so much. But I do. 199 00:08:00,760 --> 00:08:02,960 Speaker 8: Feel like a I know every dollar, I all where 200 00:08:03,000 --> 00:08:04,840 Speaker 8: it needs to go and where it's gonna come from. 201 00:08:04,880 --> 00:08:06,720 Speaker 8: I know that part and doing something about it. And 202 00:08:06,840 --> 00:08:10,360 Speaker 8: I was very transparent. And this man, this embarrassing man, 203 00:08:10,440 --> 00:08:12,920 Speaker 8: British Fogue, if you know, you know, is not being 204 00:08:12,960 --> 00:08:15,280 Speaker 8: honest and he's gonna take her down if he doesn't 205 00:08:15,440 --> 00:08:16,880 Speaker 8: change his act and clean it up. 206 00:08:16,920 --> 00:08:21,600 Speaker 1: You know, So, Kaylee says, go because you've lived through this. Hi, Kaylee, Hi, 207 00:08:21,680 --> 00:08:23,520 Speaker 1: good morning. So how did that? Good morning? How did 208 00:08:23,560 --> 00:08:26,360 Speaker 1: that go? Like? Like, why are you so intent on going? 209 00:08:27,320 --> 00:08:29,480 Speaker 10: Everything was fine for like five years, but then there 210 00:08:29,560 --> 00:08:31,320 Speaker 10: was like a back injury and then he lost that 211 00:08:31,400 --> 00:08:33,200 Speaker 10: job and then he couldn't go back and the mental 212 00:08:33,240 --> 00:08:36,000 Speaker 10: wear of it all. But I'm so I finally left 213 00:08:36,040 --> 00:08:38,480 Speaker 10: such or seven and a half years, and I am 214 00:08:38,520 --> 00:08:40,320 Speaker 10: grateful enough to be able to have moved back in 215 00:08:40,400 --> 00:08:43,120 Speaker 10: with our dog to my mom's house. But I'm still 216 00:08:43,160 --> 00:08:45,800 Speaker 10: carrying the debt because nothing was under his name. It 217 00:08:45,840 --> 00:08:48,320 Speaker 10: was all my credit card. So I'm I left with 218 00:08:48,440 --> 00:08:50,080 Speaker 10: like thirty five thousand dollars in credit card. 219 00:08:50,200 --> 00:08:51,400 Speaker 7: I am so sorry. 220 00:08:51,520 --> 00:08:53,960 Speaker 2: So you're in love with this guy and you're feeling 221 00:08:53,960 --> 00:08:55,520 Speaker 2: a certain kind of way, and you're like, we're gonna 222 00:08:55,520 --> 00:08:57,120 Speaker 2: be together, we're gonna work this out. So you just 223 00:08:57,120 --> 00:08:58,920 Speaker 2: put everything in your name and then this is where 224 00:08:59,120 --> 00:09:00,480 Speaker 2: this is where you wind up. 225 00:09:01,120 --> 00:09:04,080 Speaker 1: Yep, I'm sorry to hear that. So your advice to 226 00:09:04,120 --> 00:09:04,720 Speaker 1: her is don't. 227 00:09:05,240 --> 00:09:07,360 Speaker 2: If he can't be an equal partner in all of this, 228 00:09:07,440 --> 00:09:10,240 Speaker 2: then then don't do it. 229 00:09:09,520 --> 00:09:10,280 Speaker 1: Correct, don't. 230 00:09:10,440 --> 00:09:11,600 Speaker 10: And she's early in too. 231 00:09:12,240 --> 00:09:14,640 Speaker 2: Yeah, yeah, all right, Kayley, thank you, have a good day, 232 00:09:15,400 --> 00:09:15,760 Speaker 2: you too. 233 00:09:15,960 --> 00:09:16,160 Speaker 1: Yeah. 234 00:09:16,160 --> 00:09:17,640 Speaker 2: And someone is saying it could take as much as 235 00:09:18,000 --> 00:09:20,040 Speaker 2: many as seven years to straighten the whole thing out. 236 00:09:21,720 --> 00:09:26,200 Speaker 2: That someone's call calm, how you doing, Hey? 237 00:09:26,320 --> 00:09:27,079 Speaker 4: Great, how are you? 238 00:09:27,200 --> 00:09:28,800 Speaker 1: Hey? Good morning, welcome, thanks for listening. 239 00:09:28,800 --> 00:09:35,480 Speaker 9: Stair go go because he is not ready and she 240 00:09:35,520 --> 00:09:38,319 Speaker 9: apparently is getting herself together and it's okay. I mean, 241 00:09:38,360 --> 00:09:40,800 Speaker 9: he's just not where she is, so just keep moving 242 00:09:40,840 --> 00:09:43,559 Speaker 9: and if it's meant to be, you can circle. 243 00:09:43,200 --> 00:09:43,960 Speaker 3: Back to each other. 244 00:09:44,080 --> 00:09:46,000 Speaker 4: But you're going to be paying for everything. 245 00:09:46,040 --> 00:09:48,400 Speaker 9: The house will be in your name, the cars will 246 00:09:48,400 --> 00:09:50,800 Speaker 9: be in your name. Creditors will be looking for you 247 00:09:50,840 --> 00:09:54,160 Speaker 9: and not him. He has no built credit, He'll have 248 00:09:54,280 --> 00:09:57,600 Speaker 9: nothing built up. So by the time you all are older, 249 00:09:58,440 --> 00:10:00,800 Speaker 9: everything will be on you. What's the point you can 250 00:10:00,800 --> 00:10:01,840 Speaker 9: do everything by yourself. 251 00:10:02,480 --> 00:10:04,640 Speaker 1: Yeah, yeah, I mean. 252 00:10:06,040 --> 00:10:08,400 Speaker 2: It's tough because she could, I mean, like the last color, 253 00:10:08,480 --> 00:10:11,920 Speaker 2: she could take it on, and because she says that 254 00:10:11,960 --> 00:10:13,599 Speaker 2: he is being diligent. I mean, this would be a 255 00:10:13,679 --> 00:10:16,600 Speaker 2: very different story to me if he weren't doing anything 256 00:10:16,640 --> 00:10:20,439 Speaker 2: about it. And I'm very financially conservative, so I don't 257 00:10:20,480 --> 00:10:22,120 Speaker 2: think this would work for me. But I mean again, 258 00:10:22,320 --> 00:10:25,559 Speaker 2: if you're really in love with someone, then I can 259 00:10:25,600 --> 00:10:27,520 Speaker 2: see why it would be hard to say I'm walking 260 00:10:27,520 --> 00:10:30,400 Speaker 2: away from this thing that I think is forever over 261 00:10:30,480 --> 00:10:33,600 Speaker 2: someone who's trying to get their life together for past mistakes, 262 00:10:34,000 --> 00:10:35,960 Speaker 2: especially if he's telling the truth and it was somebody 263 00:10:35,960 --> 00:10:39,880 Speaker 2: else's fault and this isn't a reflection on his spending 264 00:10:40,000 --> 00:10:43,520 Speaker 2: or financial future or financial goals or ambitions or outlook. 265 00:10:43,559 --> 00:10:46,600 Speaker 2: But yeah, I mean, do you actually end a romantic 266 00:10:46,640 --> 00:10:50,600 Speaker 2: relationship over and not be forward with this? And you're 267 00:10:50,600 --> 00:10:52,640 Speaker 2: saying yes, okay, yeah, there you go, thank you, Carl. 268 00:10:53,760 --> 00:10:54,760 Speaker 1: Okay, have a good day. 269 00:10:55,240 --> 00:11:01,200 Speaker 2: Yeah, it sounds harsh. Oh wow, Well, I mean you're 270 00:11:01,320 --> 00:11:04,560 Speaker 2: in love with someone and you're not going to pursue. 271 00:11:04,600 --> 00:11:06,600 Speaker 2: And again, I'm not the romantic in the room. But like, 272 00:11:07,600 --> 00:11:11,440 Speaker 2: I don't know, I guess, at what point do you say, 273 00:11:11,440 --> 00:11:14,400 Speaker 2: I love you so much? I'm to Caylan's point. We're 274 00:11:14,440 --> 00:11:17,080 Speaker 2: going to live within my means. You're going to support 275 00:11:17,120 --> 00:11:18,960 Speaker 2: me because you have the money to do it, and 276 00:11:18,960 --> 00:11:21,439 Speaker 2: you're working towards it. We're not going to extend beyond that. 277 00:11:21,960 --> 00:11:24,000 Speaker 2: And I'm going to give you some time to fix this. 278 00:11:24,200 --> 00:11:27,440 Speaker 2: And if you don't, then I'm okay, because I'm not 279 00:11:27,480 --> 00:11:29,720 Speaker 2: going to be put in a bad financial situation because 280 00:11:29,960 --> 00:11:32,440 Speaker 2: we're spending for both of us and it's all going 281 00:11:32,480 --> 00:11:32,959 Speaker 2: to fall on me. 282 00:11:33,080 --> 00:11:35,760 Speaker 1: What about that alternative? I think that's the way to 283 00:11:35,800 --> 00:11:36,120 Speaker 1: do it. 284 00:11:36,640 --> 00:11:39,680 Speaker 8: I mean, honestly, I mean, you don't take any risks, 285 00:11:39,679 --> 00:11:42,079 Speaker 8: you stack your money while you pay or and you 286 00:11:42,080 --> 00:11:42,720 Speaker 8: build your credit. 287 00:11:42,720 --> 00:11:44,839 Speaker 2: Why you pay, Well, that's another thing he is you 288 00:11:44,920 --> 00:11:47,240 Speaker 2: might actually want to have been a hell. The penalty 289 00:11:47,320 --> 00:11:49,679 Speaker 2: for him having bad credit might be that it's all 290 00:11:49,679 --> 00:11:52,520 Speaker 2: in your name. You're living within your means and he's 291 00:11:52,559 --> 00:11:54,520 Speaker 2: paying for you to live within your means. And if 292 00:11:54,520 --> 00:11:57,880 Speaker 2: he decides to be a jerky and bail, then you're 293 00:11:57,920 --> 00:11:58,960 Speaker 2: not in a bad spot. 294 00:11:59,000 --> 00:11:59,120 Speaker 3: Now. 295 00:11:59,120 --> 00:12:01,640 Speaker 2: I think if you're living for two people and you're 296 00:12:01,679 --> 00:12:04,040 Speaker 2: living to the life that you want to live someday, 297 00:12:04,320 --> 00:12:07,640 Speaker 2: not the life that you necessarily have on paper, that's 298 00:12:07,720 --> 00:12:09,480 Speaker 2: I feel like, maybe you get in trouble. 299 00:12:10,320 --> 00:12:10,640 Speaker 1: Jackie. 300 00:12:10,720 --> 00:12:18,160 Speaker 7: You say go too though, yes, okay, he definitely should go. 301 00:12:18,080 --> 00:12:23,160 Speaker 5: Because I relived something very very similar where it was, Oh, 302 00:12:23,240 --> 00:12:25,679 Speaker 5: my boyfriend doesn't have good credits, so I was trying. 303 00:12:25,520 --> 00:12:26,040 Speaker 10: To be nice. 304 00:12:26,080 --> 00:12:28,120 Speaker 5: He's like, all right, I'll help you bose to credit 305 00:12:29,200 --> 00:12:33,760 Speaker 5: things like that. Eventually things weren't getting paid. Long story short, 306 00:12:33,920 --> 00:12:35,680 Speaker 5: we've been you know, we were together for six years 307 00:12:35,720 --> 00:12:37,880 Speaker 5: and I had to group bankruptcy. 308 00:12:38,440 --> 00:12:41,560 Speaker 2: Okay, oh god, Now I have to ask you, Jackie, 309 00:12:42,160 --> 00:12:44,199 Speaker 2: in all honesty, when you when I'm sorry that happened 310 00:12:44,200 --> 00:12:46,480 Speaker 2: to you. But when you look back, was he showing 311 00:12:46,520 --> 00:12:49,720 Speaker 2: you signs that he wanted to make it better or 312 00:12:49,760 --> 00:12:52,319 Speaker 2: was he showing you signs that he was complacent about it? 313 00:12:52,360 --> 00:12:53,720 Speaker 1: Because look, I mean, one. 314 00:12:53,600 --> 00:12:55,679 Speaker 2: Thing I've learned in in you know, dating and in 315 00:12:55,760 --> 00:12:58,120 Speaker 2: meeting lots of different people, is people grow up in 316 00:12:58,160 --> 00:13:01,079 Speaker 2: different financial situations. That grew up in different situations and 317 00:13:01,120 --> 00:13:03,440 Speaker 2: they're sort of and I think some of that's instilled 318 00:13:03,480 --> 00:13:06,200 Speaker 2: in you, like this, Hey, spend now, worry about it later, 319 00:13:06,280 --> 00:13:07,679 Speaker 2: put it on credit, worry about. 320 00:13:07,480 --> 00:13:09,800 Speaker 1: It later, or or hey, I don't know, I don't 321 00:13:09,800 --> 00:13:12,800 Speaker 1: really care about it. Okay. So I'm not saying that. 322 00:13:12,920 --> 00:13:15,720 Speaker 2: I'm not saying the signs were there, But would you 323 00:13:15,760 --> 00:13:18,080 Speaker 2: have felt differently if you're someone who was saying it 324 00:13:18,160 --> 00:13:20,480 Speaker 2: was confronting this and saying, hey, I know this is 325 00:13:20,480 --> 00:13:22,200 Speaker 2: a problem and here are the steps I'm taking to 326 00:13:22,240 --> 00:13:26,120 Speaker 2: resolve it. Would that have been different for you? 327 00:13:26,960 --> 00:13:29,720 Speaker 5: I don't think so, because I think the underlying thing 328 00:13:29,760 --> 00:13:32,760 Speaker 5: here that I learned it looking back, as nice as 329 00:13:32,800 --> 00:13:36,920 Speaker 5: I layered, you know, the onion back over the years 330 00:13:37,160 --> 00:13:40,040 Speaker 5: is that there was a line. So when she mentioned 331 00:13:40,080 --> 00:13:44,040 Speaker 5: that he lied about it, he couldn't see accountability and say, yeah, 332 00:13:44,120 --> 00:13:45,840 Speaker 5: I messed up and that this is how I was 333 00:13:45,880 --> 00:13:48,480 Speaker 5: trying to fix it. He braided claimed it on the roommate. 334 00:13:49,120 --> 00:13:50,400 Speaker 5: That's a big red flag. 335 00:13:50,840 --> 00:13:51,200 Speaker 1: Okay. 336 00:13:51,360 --> 00:13:53,440 Speaker 5: So there was a lot of lyne going on also 337 00:13:53,640 --> 00:13:57,440 Speaker 5: with my with my partner, you know, wasn't the accountability 338 00:13:57,440 --> 00:14:00,120 Speaker 5: for things was like, oh, he got an accident that 339 00:14:00,240 --> 00:14:02,960 Speaker 5: wasn't my fault. The bus hit me, things like that, 340 00:14:03,480 --> 00:14:05,760 Speaker 5: So to me, it tells me there's no growth there. 341 00:14:06,000 --> 00:14:08,959 Speaker 5: He's not going to grow, so she should just live 342 00:14:09,000 --> 00:14:11,760 Speaker 5: on her own. She could be around her life if 343 00:14:11,800 --> 00:14:12,240 Speaker 5: he wants to. 344 00:14:12,280 --> 00:14:15,119 Speaker 4: But he needs to deal with this himself, because. 345 00:14:14,880 --> 00:14:16,560 Speaker 5: When he learns how to deal with it, he's going 346 00:14:16,640 --> 00:14:18,080 Speaker 5: to be a man and then he'll be able to 347 00:14:18,120 --> 00:14:18,679 Speaker 5: be there for her. 348 00:14:18,840 --> 00:14:20,440 Speaker 1: Yeah, thank you, Jackie, You have a good day. 349 00:14:21,000 --> 00:14:21,360 Speaker 11: Sorry. 350 00:14:21,600 --> 00:14:23,640 Speaker 2: Yeah, I guess. I guess they could live separately, still 351 00:14:23,640 --> 00:14:25,280 Speaker 2: be together. She could give it a year or two 352 00:14:25,880 --> 00:14:28,400 Speaker 2: and see, you know what direction it's headed, even if 353 00:14:28,440 --> 00:14:30,040 Speaker 2: it's going to take seven years to straighten it out. 354 00:14:30,040 --> 00:14:31,800 Speaker 2: I mean, I think she could definitely say I need 355 00:14:31,840 --> 00:14:35,120 Speaker 2: full transparency about your financial situation. I need to see 356 00:14:35,200 --> 00:14:37,560 Speaker 2: how you're working away at this. You're going to have 357 00:14:37,600 --> 00:14:39,920 Speaker 2: to show me. I'm sorry, but like I'm not. And 358 00:14:40,000 --> 00:14:42,000 Speaker 2: if he really loves her, then he's going to understand 359 00:14:42,000 --> 00:14:44,120 Speaker 2: that that's not a burden that he should put onto 360 00:14:44,160 --> 00:14:47,120 Speaker 2: her or someone else. And it's going to delay their plans, 361 00:14:47,200 --> 00:14:50,000 Speaker 2: but it won't put her in a bad situation if 362 00:14:50,000 --> 00:14:50,760 Speaker 2: it doesn't work out. 363 00:14:51,040 --> 00:14:53,320 Speaker 1: WHOA I tell her how you doing? 364 00:14:53,680 --> 00:14:54,240 Speaker 5: How you doing? 365 00:14:54,520 --> 00:14:58,280 Speaker 1: What's going on? Hey man? You're the loan stay here? 366 00:14:59,440 --> 00:14:59,960 Speaker 4: Come on man? 367 00:15:00,040 --> 00:15:03,080 Speaker 1: Uh oh, I'm coming on now. Why am I coming on? 368 00:15:03,120 --> 00:15:03,240 Speaker 5: Now? 369 00:15:03,280 --> 00:15:03,400 Speaker 2: Though? 370 00:15:03,440 --> 00:15:04,920 Speaker 1: I need you to tell me why I should say? 371 00:15:04,920 --> 00:15:06,440 Speaker 1: Why should I stay in this thing? 372 00:15:06,760 --> 00:15:09,960 Speaker 4: I think? I think in that situation when I first 373 00:15:09,960 --> 00:15:12,840 Speaker 4: got with my wife, like my credit was bad, I 374 00:15:12,880 --> 00:15:14,840 Speaker 4: didn't even have a license. We couldn't even get a 375 00:15:14,880 --> 00:15:17,480 Speaker 4: car unless I put it in her name. And now 376 00:15:17,920 --> 00:15:21,040 Speaker 4: ten years lady later, the whole thing is three sixty. 377 00:15:21,440 --> 00:15:24,160 Speaker 4: Now everything is in my name. I take care of everything. 378 00:15:24,280 --> 00:15:26,760 Speaker 4: I got the good credit school, and now I'm trying 379 00:15:26,760 --> 00:15:27,280 Speaker 4: to help. 380 00:15:27,160 --> 00:15:28,120 Speaker 11: Her get back up. 381 00:15:28,400 --> 00:15:31,800 Speaker 2: Interesting, but you were clear with her about that, Like Nigel, 382 00:15:31,840 --> 00:15:33,680 Speaker 2: you told her all of this up front, like Yo, 383 00:15:34,000 --> 00:15:35,080 Speaker 2: I got I'm in a bad. 384 00:15:35,080 --> 00:15:40,040 Speaker 11: Situation, shut together vaguely, and over the years, I built 385 00:15:40,040 --> 00:15:43,600 Speaker 11: my credit school up and I turned everything around, and 386 00:15:43,680 --> 00:15:45,280 Speaker 11: now it's nothing that. 387 00:15:45,200 --> 00:15:47,600 Speaker 1: We can't get you know, right, that's right. 388 00:15:47,760 --> 00:15:49,800 Speaker 2: See, But you seem to have shown the signs I'm 389 00:15:49,840 --> 00:15:53,160 Speaker 2: talking about, like you took accountability, You were transparent, you 390 00:15:53,200 --> 00:15:55,960 Speaker 2: were clear about it. You you were able to from 391 00:15:56,000 --> 00:15:58,000 Speaker 2: what you're saying, to demonstrate to her how you were 392 00:15:58,000 --> 00:16:01,000 Speaker 2: going to turn it around. You did, and now you're 393 00:16:01,040 --> 00:16:03,240 Speaker 2: doing what you should be doing and so, but it 394 00:16:03,280 --> 00:16:06,440 Speaker 2: doesn't seem like that's what one hundred percent true in 395 00:16:06,480 --> 00:16:07,240 Speaker 2: her case, Like. 396 00:16:07,600 --> 00:16:09,880 Speaker 4: Keep in mind, free I went from making twenty seven 397 00:16:09,920 --> 00:16:12,760 Speaker 4: thousand and eighty thousand years. So that's a big difference too. 398 00:16:13,200 --> 00:16:13,640 Speaker 1: My man. 399 00:16:13,880 --> 00:16:17,760 Speaker 2: So when you're rolling like that, I mean, okay, yeah, 400 00:16:17,960 --> 00:16:20,280 Speaker 2: look here, yeah, I mean it's been money. 401 00:16:21,480 --> 00:16:24,200 Speaker 4: Money changes everything. I don't know how, I don't know why, 402 00:16:24,440 --> 00:16:25,520 Speaker 4: but it is. 403 00:16:26,200 --> 00:16:28,960 Speaker 2: I mean, no money more problems, but it certainly makes 404 00:16:28,960 --> 00:16:29,600 Speaker 2: the problems. 405 00:16:30,520 --> 00:16:32,960 Speaker 1: I don't know. At least you're not hungry with the problems. 406 00:16:34,080 --> 00:16:37,200 Speaker 4: I actually have less problems because I actually matured. I 407 00:16:37,240 --> 00:16:40,080 Speaker 4: don't even flirt anymore or anything like that, any stuff 408 00:16:40,120 --> 00:16:41,720 Speaker 4: that she have to worry about. 409 00:16:42,040 --> 00:16:47,280 Speaker 2: Nigel's got money now, so he ain't even stepping out, right, Nigel, 410 00:16:48,240 --> 00:16:49,000 Speaker 2: it's very wrong. 411 00:16:49,080 --> 00:16:52,480 Speaker 4: I do have a dime though, you know, beautiful. 412 00:16:52,960 --> 00:16:54,120 Speaker 1: It usually goes the other way. 413 00:16:54,720 --> 00:16:56,240 Speaker 2: Usually people clean up their life and all of a 414 00:16:56,240 --> 00:16:58,960 Speaker 2: sudden they think, I not get you anything. So look 415 00:16:59,000 --> 00:17:01,440 Speaker 2: at this man. This man cleans up his life and 416 00:17:01,880 --> 00:17:05,359 Speaker 2: he stopped with the Shenanigans. To Nigel, this right here, 417 00:17:05,720 --> 00:17:08,919 Speaker 2: Nigel's a success story. Right here is Nigel good for you? 418 00:17:09,200 --> 00:17:16,520 Speaker 2: He's got credit straight and he's not chatting anymore. Nigel, 419 00:17:16,560 --> 00:17:19,000 Speaker 2: good for you. I know, honestly, all jokes aside, good 420 00:17:19,000 --> 00:17:21,720 Speaker 2: for you. Stop you stop stepping out, all right, man, 421 00:17:21,800 --> 00:17:25,040 Speaker 2: have a good day. He's a good man, Nigel. Nigel 422 00:17:26,560 --> 00:17:28,920 Speaker 2: is the other way around, right, Like people attach themselves. 423 00:17:29,000 --> 00:17:30,639 Speaker 2: I hate to say this, but people and I'm not 424 00:17:30,680 --> 00:17:32,960 Speaker 2: talking about Nigel will take him out of this, but 425 00:17:33,119 --> 00:17:35,840 Speaker 2: people in bad situations attach themselves to people who can 426 00:17:35,840 --> 00:17:38,280 Speaker 2: fix it for them. And then once their problems are 427 00:17:38,280 --> 00:17:42,119 Speaker 2: fixed and they they then forget about that love the building. 428 00:17:42,240 --> 00:17:45,160 Speaker 2: They forgot about who helped him do it, and they're like, boy, 429 00:17:45,280 --> 00:17:46,920 Speaker 2: I am in a good spot now. 430 00:17:46,960 --> 00:17:47,960 Speaker 7: You made me punch my mic. 431 00:17:48,040 --> 00:17:48,440 Speaker 1: That's true. 432 00:17:48,480 --> 00:17:51,040 Speaker 7: You're making good points today. You are on fire today. 433 00:17:50,800 --> 00:17:53,080 Speaker 1: Right the bar. You know. 434 00:17:53,119 --> 00:17:54,960 Speaker 2: It's the funny thing is I'm on fire most days. 435 00:17:55,000 --> 00:17:56,760 Speaker 2: It's just you're just now realizing it today. 436 00:17:56,920 --> 00:17:58,080 Speaker 7: It is Taylor. 437 00:17:58,320 --> 00:17:59,320 Speaker 1: Yeah, yeah, I. 438 00:17:59,240 --> 00:18:01,120 Speaker 2: Mean I have a pretty good batting average, but today 439 00:18:01,160 --> 00:18:02,240 Speaker 2: I'm a hundred. 440 00:18:02,800 --> 00:18:04,520 Speaker 1: Compliments, I'm a hundred. 441 00:18:04,359 --> 00:18:05,520 Speaker 8: Like I'm going to go home and we listen to 442 00:18:05,560 --> 00:18:08,800 Speaker 8: this like I am too Actually, I'm gonna go home, 443 00:18:08,840 --> 00:18:10,119 Speaker 8: and I'm gonna go home and. 444 00:18:10,119 --> 00:18:13,040 Speaker 2: Play my own brilliance and just be proud of myself 445 00:18:13,080 --> 00:18:15,320 Speaker 2: for once. I'm going to go home, and yeah, I'm 446 00:18:15,320 --> 00:18:17,840 Speaker 2: not gonna step out anymore either. I've been stepping out 447 00:18:17,840 --> 00:18:21,040 Speaker 2: of myself on my non relationship forever