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Speaker 1: Hey, this is Sam, this is John, and we are

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Speaker 1: the founding hosts of Okay Storytime podcast and we have

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Speaker 1: some foundational stories coming up for you. But the thing

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Speaker 1: is this foundation needs a little support from these sponsors.

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Speaker 1: So stick around two minutes and we'll get into the episode.

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Speaker 2: I'm leaving everything to my dogs after I pass away.

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Speaker 3: They're gonna be rich dogs.

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Speaker 2: I have fifty nine female never had children, never wanted them,

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Speaker 2: but my whole family is very Catholic, so naturally I

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Speaker 2: have tons of nieces and nephews. I've always been content

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Speaker 2: with my role as the cool aunt who buys them

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Speaker 2: the best presents at Christmas and their birthdays. Not to brag,

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Speaker 2: but I make significantly more money than the rest of

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Speaker 2: my family, so all the consoles and shared tablets and laptops,

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Speaker 2: et cetera were always gifted by me. I didn't mind

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Speaker 2: it at all. I love my nieces and nephews and

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Speaker 2: enjoyed spoiling them. Nowadays I buy the cool stuff for

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Speaker 2: their kids. By the way, this comes from pities our family.

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Speaker 2: And if you want to smit your own stories, go

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Speaker 2: to the our slash Okay Storytime Separate it.

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Speaker 3: I'm Sophia and I'm Brittany and I'm Keon.

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Speaker 4: And Brittany, our special guest today is a certified financial planner, speaker,

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Speaker 4: and former RIA founder who has guided thousands of people

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Speaker 4: on their financial journeys. After building and selling her firm,

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Speaker 4: financially Wise, Inc. She now focuses on empowering others through speaking,

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Speaker 4: consulting in brand partnerships. You may have seen her featured

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Speaker 4: by top platforms like CNN and The Wall Street Journal

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Speaker 4: and more, or working with brands like Chase, E, Trade, Mint, Airbnb,

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Speaker 4: and Zoom to make financial literacy simple, accessible and inspiring.

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Speaker 4: Thank you, Brittany for coming in today, and you.

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Speaker 2: Thank you for giving us well. I'm sure Op, he's

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Speaker 2: going to be happy to hear some advice from you.

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Speaker 2: On the story. Yeah, and Op says, I sold my

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Speaker 2: practice about seven years ago to retire and bought a

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Speaker 2: huge piece of land in order to start a pit

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Speaker 2: bull rescue.

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Speaker 5: Love that.

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Speaker 2: I absolutely love pitbulls and choose to rescue them because

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Speaker 2: of how misunderstood they are, which unfortunately makes them a

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Speaker 2: difficult breed to rehome. And I love running my dog kennel.

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Speaker 2: I even have two awesome neighborhood kids I pay to

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Speaker 2: help me clean up after them, not to mention the

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Speaker 2: trainer that comes by every week to work with them.

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Speaker 2: But here's where it gets sticky. Recently I sat down

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Speaker 2: to start writing my will, and I realized that when

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Speaker 2: I pass away, there won't be anyone to take care

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Speaker 2: of my dogs. And I have fourteen of them right now,

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Speaker 2: at least five of which are probably never going to

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Speaker 2: find homes because I rescue them from really bad situations.

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Speaker 2: It takes a special expertise to handle them. I spoke

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Speaker 2: with a lawyer and we drew up a will ensuring

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Speaker 2: that when I pass away, all of my assets will

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Speaker 2: be sold to go to making sure my dogs are

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Speaker 2: taken care of, and anything left over from that will

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Speaker 2: go to my local humane society where I volunteer. I

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Speaker 2: finished all the paperwork about a week ago, and last

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Speaker 2: night I decided to confide to my sister, who was

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Speaker 2: honestly my closest friend. She had my back when I

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Speaker 2: became an atheist, always defended my decision to be child

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Speaker 2: free to our more overbearing family members about the will,

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Speaker 2: and to my surprise, she completely flipped. She said she

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Speaker 2: couldn't believe I would prioritize a bunch of dogs over

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Speaker 2: my nieces and nephews, and how they would all feel betrayed.

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Speaker 2: She listed off everyone's financial struggles, saying it was insane

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Speaker 2: for me not even to leave at least ten to

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Speaker 2: twenty K for my family members when the value of

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Speaker 2: my estate is in the millions. True, and I just

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Speaker 2: told her that I'm sorry, but their financial struggles are

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Speaker 2: not my fault nor my responsibility. If my great nieces

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Speaker 2: and nephews have to take out student loans, so be it.

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Speaker 2: I had to pay for my own law school. I

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Speaker 2: feel bad because I know how cold it sounds, but

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Speaker 2: my sister was really laying into me. We haven't talked since,

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Speaker 2: but my phone is steadily blowing up as the news

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Speaker 2: gets around to my family. Some of them are staying

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Speaker 2: out of it, but some are being pretty vitriolic towards me.

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Speaker 2: Am I the a hole, all right? Okay, And that's

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Speaker 2: actually the end of that story. That's where it ends.

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Speaker 3: Harsh inded.

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Speaker 2: Yeah, I am I the ale for leaving all of

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Speaker 2: my money to my dogs.

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Speaker 5: You know, these pet trust and pet will's are becoming

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Speaker 5: so popular.

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Speaker 2: I think it's after aristocrats everyone got into trust.

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Speaker 5: Could be because I remember going like, oh, this was

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Speaker 5: like maybe ten years ago when I was still like

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Speaker 5: really running my practice and everything to ce credit course

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Speaker 5: and was all about estate planning leaving money to animals

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Speaker 5: and it was a real thing, and I remember being

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Speaker 5: so shocked by that. And now it's even more popular,

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Speaker 5: and I think Diane Keaton just in the news left

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Speaker 5: five million to her dog, Reggie, and.

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Speaker 3: So that was like the first time.

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Speaker 5: Maybe I just haven't paid attention, but it was the

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Speaker 5: first time I felt like it was a public celebrity

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Speaker 5: news about a pet trust.

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Speaker 2: I just don't under if you could explain, because I

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Speaker 2: don't understand what that five million is exactly.

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Speaker 3: For me too.

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Speaker 5: I was curious, and I actually consulted with my estate

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Speaker 5: planning attorney friend because I'm a CFP, but we don't

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Speaker 5: do trust and will, so I was like, how.

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Speaker 3: Does this work?

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Speaker 5: Like really, obviously a pet Reggie can't use five million dollars,

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Speaker 5: Like there's no way over the course of.

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Speaker 2: You know, maybe ten more.

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Speaker 5: And I don't I don't know how old this dog

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Speaker 5: was in particular, but you know, dog life span seven

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Speaker 5: to ten second fifteen years maybe yeah, yeah.

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Speaker 2: Well probably I'm just saying this dog probably has.

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Speaker 3: Five years more. Okay.

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Speaker 5: So then I was like the typical LA girl. Yeah,

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Speaker 5: could the dog request a g wagon?

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Speaker 2: Is that okay? The dog needs a MacBook Air.

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Speaker 5: The dog needs a big house with a big backyard,

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Speaker 5: is that okay?

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Speaker 2: Yeah?

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Speaker 5: So I was curious, like what technically flies. So the

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Speaker 5: way that they're written, it's like for the dog's obviously

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Speaker 5: food and care and fat bills, but like beyond that,

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Speaker 5: I was curious, like, how do you get this approved?

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Speaker 5: And like with a trust, you get the trustees, so

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Speaker 5: they're the ones who have to do like the accounting. Usually,

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Speaker 5: she said, in this situation, it's it's a bank, so

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Speaker 5: there's financial regulations, and then it would be really hard

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Speaker 5: for someone at the bank to like approve.

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Speaker 2: Yeah.

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Speaker 5: So yeah, you're the caregiver of this dog, Reggie, I

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Speaker 5: hear your request of a g wagon and it's approved,

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Speaker 5: Like that wouldn't It would be them on the line,

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Speaker 5: so it would be very unlikely. Yes, And then ultimately

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Speaker 5: the money just goes to the whoever see yeah, like

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Speaker 5: if the dog passes or whoever the pet is if

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Speaker 5: it passes. I mean, in this case, it's interesting because

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Speaker 5: she had fourteen dogs. Yeah, so I mean technically that

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Speaker 5: could Yeah, that could be a while.

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Speaker 2: Yeah, well, I feel like, I mean, if I were

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Speaker 2: this person, I would probably put it into the organization.

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Speaker 2: I think she said she wants to rehome.

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Speaker 3: Right like the rehab.

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Speaker 2: Yeah. Yeah, so I feel like if you wanted longevity

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Speaker 2: to you know, I don't think.

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Speaker 3: She's an a hole.

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Speaker 5: And it's not like they're her kids, they're her nieces

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Speaker 5: and nephews. And I liked her point if they want

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Speaker 5: to go to school, take a student loan.

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Speaker 3: That's what she did.

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Speaker 2: And it seems also like she's been giving them a

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Speaker 2: lot of gifts over the years.

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Speaker 4: So yeah, yeah, I mean I like the point where

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Speaker 4: it's like it's my money. Yeah, I can do what

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Speaker 4: I want with my money.

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Speaker 5: Yeah yeah, And you know what I've seen, no matter

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Speaker 5: what you do, someone's going to be mad, you know.

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Speaker 5: Like I was just thinking if she did say ten

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Speaker 5: thousand dollars or whatever the number was, to each one

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Speaker 5: of them, they would probably still think like, but why

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Speaker 5: wasn't amour or like this?

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Speaker 3: You know, so there's always going to be something.

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Speaker 2: Yeah, I'm trying to remember. Did she say she was

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Speaker 2: giving all of the money.

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Speaker 3: I think so.

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Speaker 5: I think it was all of the money she hasn't

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Speaker 5: been it all for the dogs and the rehab that

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Speaker 5: she wants to build.

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Speaker 2: Yeah, so that's millions of dollars to this rehm, which

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Speaker 2: you know that is her right.

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Speaker 3: Yeah, I'm happy for the pitbulls. They do have a

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Speaker 3: bad reputation.

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Speaker 2: They have a really it's really, it's really tough for

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Speaker 2: you know, pit bulls. It's tough. It is very tough

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Speaker 2: because they can be so sweet. But there is a

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Speaker 2: second story that we have, so we're going to get

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Speaker 2: into that one. We're preparing for the worst. So we're

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Speaker 2: giving our dog a trust fund.

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Speaker 3: Who let the dogs out.

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Speaker 2: Me and my wife are child free. We have decided

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Speaker 2: to get the finances and administration in order in the

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Speaker 2: event of the unexpected. The first thing raised was the

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Speaker 2: welfare of our three year old labrador. By the way,

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Speaker 2: this comes from Jigsaw one five three And if you

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Speaker 2: want to sumit your own stories, go to the r

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Speaker 2: slash Okay, storytime, separate it.

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Speaker 5: I'm Sophia, I'm Britney Castro, and I'm Keon and we're.

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Speaker 2: Here to give good advice. Gooofully. But we don't have

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Speaker 2: all the answers. We only know what we'd do, so

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Speaker 2: let us know what you would do in the comments.

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Speaker 2: But today we do have an expert, and OP says.

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Speaker 2: My last will was five years ago, before owning a dog.

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Speaker 2: We have talked about what if SIN decided the best

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Speaker 2: way forward was to prepare a trust fund for the

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Speaker 2: dog in the event we are both taken out at

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Speaker 2: once car accident, et cetera. We have vowed to pay

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Speaker 2: for her food, vets, and other costs for the rest

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Speaker 2: of her expected life. Even in passing, I will pay

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Speaker 2: for The trust fund is to be based on forecast

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Speaker 2: average lifespan. All in all, the dog gets one hundred

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Speaker 2: and fifty thousand and is the number one instruction in

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Speaker 2: our wills. Any residual money returns to the estate. After

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Speaker 2: the fact, my family balked at the caveat and were

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Speaker 2: shocked what I have placed in the will. My dog

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Speaker 2: must have a quality of life equal or greater than

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Speaker 2: the one she has now. Secondly, family members are not

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Speaker 2: exclusively to be selected if they do not meet the

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Speaker 2: set criteria. It has been decided to bring a charity

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Speaker 2: in to select the best home to her needs and

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Speaker 2: our wants, even if it's a complete stranger. I'd say,

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Speaker 2: we are the most well off in our family, being

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Speaker 2: double income, no kids, and in short, the family are

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Speaker 2: shocked that we have decided to give so much to

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Speaker 2: our dog. Wait until they find out half of them

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Speaker 2: are already on the blacklist based on how they treat

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Speaker 2: their own pets. I submitted this not to vent, but

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Speaker 2: to make sure all here consider and prepare a world

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Speaker 2: for the fur babies in the event you are taken

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Speaker 2: away from them. As she has her head resting on

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Speaker 2: my knee, you reflect and realize that we are their

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Speaker 2: entire universe. Some people do not deserve this much loyalty.

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Speaker 2: At the very least, I can provide some back to her.

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Speaker 2: What do you guys think? But uh, we have some comments,

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Speaker 2: but I want to hear your comments. I know it's

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Speaker 2: a similar story.

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Speaker 3: Similar.

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Speaker 5: Yeah, I think it was one fifty, she said, one

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Speaker 5: hundred and fifty. I mean I still have the question

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Speaker 5: of one hundred and fifty thousand. You know, I'm always curious,

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Speaker 5: like did they sit at a table and like look

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Speaker 5: at the budget and say, like.

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Speaker 2: Dogs, woofy wants.

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Speaker 5: Like you get them out because I have a dog

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Speaker 5: and there's no way I'd spent one hundred and fifty

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Speaker 5: thousand in her lifetime. Yeah, let alone one year, two years.

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Speaker 2: So I mean, I guess, you know, like unless you

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Speaker 2: had a bunch of vet bills and food, I just don't. Yeah.

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Speaker 5: I mean even then, that's like over ten grand a month. Yeah,

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Speaker 5: So I mean, obviously it's a number. It's arbitrary. They

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Speaker 5: can decide whatever they want. But I'm just curious like

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Speaker 5: how they'd come up with the number.

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Speaker 2: But I guess I feel like if you were trying

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Speaker 2: to talk to your family and make them understand, you

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Speaker 2: could just say, yeah, we're we're over extending the number,

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Speaker 2: or just kind of being very cautious, but it will

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Speaker 2: go back into the estate if we don't, you know,

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Speaker 2: end up using.

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Speaker 5: I see a comment that says Brittany doesn't put her

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Speaker 5: dog in Gucci.

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Speaker 2: Yeah, your dog is not good.

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Speaker 3: No, But you know, we do live in La so

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Speaker 3: I would say we're very bougie with our dogs here.

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Speaker 3: If this is a city that loves dogs, it's this.

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Speaker 2: Oh yeah, my parents feed my dog. We'd get like

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Speaker 2: raw chicken with like cook it every night. Well it's

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Speaker 2: not cooked, it's like yeah, but it's yeah, it's like,

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Speaker 2: well they'll freeze it too. But literally it's like chopped

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Speaker 2: up carrots and rice and a hole. Yeah, I'm a dog.

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Speaker 5: I come from a dog family. My grandmother would cook

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Speaker 5: stew every night, every night for her two dogs. No,

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Speaker 5: it was intense, and back then it just seems kind

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Speaker 5: of normal, kind of crazy.

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Speaker 3: But if I were to think about me.

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Speaker 2: Doing that, I don't even myself.

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Speaker 3: It's like, wow, that's a different.

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Speaker 2: Different time. How long did that dog live?

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Speaker 5: I think for it was a Schnauzer, and forget what

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Speaker 5: the other dog was, but they lived awhile. I mean

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Speaker 5: they have a good long lifespan. Anyway, it's too and mere.

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Speaker 2: That's really impressive. But we have some comments. Common one

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Speaker 2: says this is wise, but please consider talking to someone

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Speaker 2: you trust and that you know would take care of

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Speaker 2: the dog.

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Speaker 5: Yeah, they have caregivers, So you name a caregiver in

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Speaker 5: the tester will in addition to the trustee, which is

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Speaker 5: the one who like manages the funds.

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Speaker 2: Yeah, which is I think what they said that they would,

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Speaker 2: you know, go through a person who would ved. Yeah,

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Speaker 2: not blacklist. Yeah you have it's like three people that

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Speaker 2: are still left on this list. I know of a

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Speaker 2: similar situation where a dog has been left to someone

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Speaker 2: and the money is taken care of out of an estate.

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Speaker 2: They view the dog as a check and the dog

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Speaker 2: would frankly have been better going to someone who would

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Speaker 2: have had the knowledge in training. He has been in

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Speaker 2: the new owner multiple times and others. So please arrange

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Speaker 2: for your dog of the time to go to a

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Speaker 2: specific person who you know will care for and know

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Speaker 2: how to live with the animal. Otherwise, you are wise

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Speaker 2: to consider the charity option you know. PI says, thanks

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Speaker 2: for the insight and experience. We will create a list

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Speaker 2: of preferred people. We have devised a mechanism that means

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Speaker 2: that the person must meet all criteria or the dog

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Speaker 2: is removed. Comment two says, please do not name a

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Speaker 2: family member, name a charity or specific animal rescue. I've

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Speaker 2: personally seen a family member take a dog to get

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Speaker 2: the inheritance and then six months later they put the

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Speaker 2: dog down. I feel like that illegal.

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Speaker 3: That okay, yeah, that's crazy.

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Speaker 2: I feel like that has to be illegal.

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Speaker 3: Now, yeah, that seems illegal.

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Speaker 2: Yeah. I've also seen a family member really try to

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Speaker 2: take care of a dog, but it just did not

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Speaker 2: get along with her own dog. She ended up using

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Speaker 2: the rescue I work with to rehome the dog, but

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Speaker 2: a less informed person might just take them to the

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Speaker 2: shelter or worse, rehome them on Craigslist. And we all

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Speaker 2: know the horror stories of dog fighters looking for bait

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Speaker 2: dog on there. The truth is, once your assets are distributed,

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Speaker 2: there is no follow up, not unless you're a millionaire

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Speaker 2: with an estate management lawyer who your state will continue

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Speaker 2: to pay to do checkups on the dog, which is

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Speaker 2: so expensive. Well, they got one hundred and fifty thousand

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Speaker 2: in there. You cannot trust family when it comes to

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Speaker 2: money and your pets. I feel like you have a

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Speaker 2: really bad experience with your family. I would trust my

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Speaker 2: family with my virue.

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Speaker 3: I would trust my family.

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Speaker 2: Yeah, even a fellow animal lover. What if your dog

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Speaker 2: doesn't get along with their dog, Suddenly they re home

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Speaker 2: your dog and who knows what environment they're going to,

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Speaker 2: and that's the end of that story. I do have

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Speaker 2: I would love to hear your final thoughts, but I

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Speaker 2: do have one question. It might be really easy, but

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Speaker 2: what happens if, like, you have one dog, you make

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Speaker 2: this trust and then they pass away and you have

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Speaker 2: a new dog, do you just kind of is it

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Speaker 2: pretty easy to transfer?

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Speaker 5: Yeah, they would have to update the legal documents. Yeah,

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Speaker 5: and just make sure it's updated to name the new dog.

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Speaker 5: It's like actually like a person trust, like when you

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Speaker 5: get a family truy, if there's any updates they had

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Speaker 5: another kid. Yeah, sometimes they would write it legally in

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Speaker 5: the sense of in any future dogs or like you know,

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Speaker 5: and any future kids with the assets equally or however

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Speaker 5: they word it. But I always would advise clients anytime

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Speaker 5: there's change is like a new dog, a new kid,

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Speaker 5: go go update it, make sure it's legally updated.

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Speaker 2: Yeah. For final thoughts on that story.

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Speaker 5: These are just really amazing to me, like the fact

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Speaker 5: that we have pet trusts and it's not just dogs.

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Speaker 5: By the way, my attorney friend was telling me that

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Speaker 5: she's done ones for turtles.

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Speaker 2: Okay, well you know what cats.

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Speaker 3: I mean, of course cats.

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Speaker 2: If it was a tortoise, I would understand because they

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Speaker 2: live so long.

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Speaker 5: We have that we my family's an animal family, so

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Speaker 5: we actually have a family tortoise. And my brother who

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Speaker 5: has like property and passa roblas just got a turtle too,

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Speaker 5: so same and they're endangered species. Yeah, you have to

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Speaker 5: actually go through like not a legal process, but you

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Speaker 5: can't just like own a turtle. There's like a certification

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Speaker 5: or something. I don't know exactly, but.

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Speaker 2: You know a lot more than I expect you about

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Speaker 2: pet I don't even know I need that much to

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Speaker 2: be honest about some perfect stories.

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Speaker 3: Yeah, very very total.

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Speaker 2: Yeah, but we do have some questions from our viewers

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Speaker 2: that we're gonna pull up. So this comes from an

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Speaker 2: anonymous sender who says, I come from a family that

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Speaker 2: wasn't financially knowledgeable. After my mother passed away, our family's

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Speaker 2: finances went back to the stone age. I now earn

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Speaker 2: slightly above average and have some savings. I live with

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Speaker 2: my significant other, and we've decided not to have kids

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Speaker 2: until we can fully take care of ourselves because we

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Speaker 2: don't want to pass financial instability to our future children. Still,

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Speaker 2: I'm afraid of losing what I've earned, even though I

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Speaker 2: want my money to be of use. I tend to

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Speaker 2: see investments as gambling, and the question is, how can

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Speaker 2: someone like me start investing safely and confidently, focusing on slow,

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Speaker 2: steady growth without feeling like they're risking everything?

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Speaker 3: Great question.

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Speaker 5: Investing nowadays is actually super easy because technology. Yeah, like

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Speaker 5: what used to be the minimum to get started, you know,

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Speaker 5: you had to have a certain amount just to start investing.

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Speaker 5: It no longer applies. I mean, you could start buying

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Speaker 5: into the S and P Index, which is just like

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Speaker 5: a diversified way of investing your money for the long haul.

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Speaker 5: You have to switch your mindset.

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Speaker 4: Though.

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Speaker 5: It's not gambling if you do it strategically. It's not

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Speaker 5: like you're just throwing your money at like some random stock.

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Speaker 5: I mean, obviously that is a different strategy of investing,

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Speaker 5: but gambling is the wrong word if you're doing investing right.

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Speaker 5: Investing is really putting your money in the stock market

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Speaker 5: in a diversified portfolio and hopes that it's going to

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Speaker 5: do better than inflation. Inflation in the US is like

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Speaker 5: three to four percent on average, so if you have

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Speaker 5: all your money just sitting in savings accounts, there's no

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Speaker 5: way you're going to grow your money faster than inflation.

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Speaker 5: So that's why you take on more risk to get

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Speaker 5: more return. So the SNP Index on average does nine

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Speaker 5: point seventy three percent average return, So it's not going

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Speaker 5: to give like Sophia. It's not going to be like

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Speaker 5: five nine point seventy three twenty twenty six. It doesn't

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Speaker 5: work like that it's an average, so some years it's

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Speaker 5: going to go up, some years it's going to go down.

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Speaker 5: But if you understand this range, like there's a healthy

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Speaker 5: range that you have to be willing to say, yes,

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Speaker 5: I'm going to accept that range in order to get

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Speaker 5: this average return, then it's so much easier to stay

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Speaker 5: the course. And a big part of investing success is

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Speaker 5: staying the course.

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Speaker 3: Believe it or not. It's not picking the right stock

403
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Speaker 3: the right time.

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Speaker 5: It's literally buy and hold is if you have an allocated,

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Speaker 5: properly portfolio, is probably gonna do better than ninety five

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Speaker 5: percent of people out there.

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Speaker 3: Yeah, so it's I don't want to.

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Speaker 5: Say it's hard not to make money if you do

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Speaker 5: it right, but if you just like put your money

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Speaker 5: in the S and PNEX, you kind of know, like

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Speaker 5: just based on history, what to.

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Speaker 3: Expect moving forward. Yeah, absolutely, And you could do that easily.

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Speaker 5: You can just open an account online start investing, Like

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Speaker 5: fifty bucks a month.

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Speaker 2: Great information for me, Yeah, don't.

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Speaker 3: Invest in Yeah, it's my rellience.

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Speaker 2: Yeah, grandparents gave a like had started investments for all

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Speaker 2: of the older cousins and I missed the cut. Oh yeah,

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Speaker 2: I know.

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Speaker 3: Oh yeah, Well you better do it. I'm like, oh, yeah,

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Speaker 3: you could do it on your own.

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Speaker 2: Yeah I know, I know, but they started it when

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Speaker 2: they were kids. Yeah yeah, I could have had baby investments.

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Speaker 3: But yeah, oh well start now.

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Speaker 2: I know. Yeah, I gotta get on it. Yeah, I'm

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Speaker 2: take this information all right.

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Speaker 3: D go Yeah super easy.

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Speaker 2: Yeah. Yeah that's great. Thank you.

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Speaker 3: You're welcome.

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Speaker 2: So I hope that helped our anonymous center. But we

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Speaker 2: have another story.

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Speaker 4: Yeah, we have two more stories. While you're pulling it up,

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Speaker 4: we have a special guest today. Please introduce yourself again.

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Speaker 4: We have people coming in and coming out.

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Speaker 3: Yes, I'm Britney Castro.

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Speaker 5: I'm a certified financial planner based here in Los Angeles.

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Speaker 5: I do a lot of financial literacy content. I've worked

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Speaker 5: with major brands like Chasement, Altruist into It, currently Head

439
00:19:46,760 --> 00:19:49,920
Speaker 5: of Education at Signal Advisors. I also ran my own

440
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Speaker 5: financial planning practice for eight years before I sold it,

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Speaker 5: so I've worked with a lot of clients over that

442
00:19:55,440 --> 00:19:59,360
Speaker 5: period of time, helping them with their finances, budgeting, investing, saving,

443
00:19:59,400 --> 00:20:01,240
Speaker 5: all of that. What I try to do is just

444
00:20:01,280 --> 00:20:05,080
Speaker 5: make money simple and fun so we can all just

445
00:20:05,160 --> 00:20:07,960
Speaker 5: do our best because it never ends. Money is a

446
00:20:08,040 --> 00:20:09,200
Speaker 5: lifelong journey.

447
00:20:09,480 --> 00:20:11,399
Speaker 2: Sure is tour is.

448
00:20:12,200 --> 00:20:13,080
Speaker 6: Thank you so much.

449
00:20:12,920 --> 00:20:15,760
Speaker 3: For being here, thank you for having me. This is fun, I.

450
00:20:15,880 --> 00:20:19,120
Speaker 2: Like, but I think we're ready for our next story.

451
00:20:19,480 --> 00:20:22,119
Speaker 2: I want to marry my dad's widow now that he

452
00:20:22,240 --> 00:20:22,919
Speaker 2: passed away.

453
00:20:23,400 --> 00:20:25,359
Speaker 3: Sounds like a Netflix movie coming.

454
00:20:25,680 --> 00:20:29,000
Speaker 2: So this is gonna sound awful no matter how I

455
00:20:29,160 --> 00:20:32,320
Speaker 2: word it, but please try to keep an open mind.

456
00:20:32,480 --> 00:20:36,119
Speaker 2: I will try. My twenty six male dad passed away

457
00:20:36,160 --> 00:20:38,000
Speaker 2: about a year and a half ago, and he was

458
00:20:38,040 --> 00:20:42,040
Speaker 2: married to Elizabeth fifty four female for around twenty years.

459
00:20:42,240 --> 00:20:46,000
Speaker 2: She's not my mom. Emphasis, she's not my mom, and

460
00:20:46,080 --> 00:20:49,520
Speaker 2: my dad never actually signed my birth certificate. Long story,

461
00:20:49,560 --> 00:20:54,440
Speaker 2: family drama, whatever, so legally and biologically we're not related

462
00:20:54,560 --> 00:20:58,280
Speaker 2: in any way. I think, Sophia, OPI, you can't make

463
00:20:58,320 --> 00:21:01,160
Speaker 2: this sound better by the way, this come from Gravy

464
00:21:01,240 --> 00:21:03,479
Speaker 2: the Dragon, And if you want to submit your own stories,

465
00:21:03,520 --> 00:21:05,480
Speaker 2: go to the r slash. Okay, storytime Separate.

466
00:21:05,760 --> 00:21:09,400
Speaker 3: I'm Sophia, I'm Britney Castro, and I'm ke On and.

467
00:21:09,400 --> 00:21:11,320
Speaker 2: We're here to give good advice. Goofy, but we don't

468
00:21:11,320 --> 00:21:13,199
Speaker 2: have all the answers. We only know what we'd do,

469
00:21:13,400 --> 00:21:15,160
Speaker 2: so let us know what you would do in the comments.

470
00:21:15,280 --> 00:21:18,320
Speaker 2: But again today we do have an expert me and

471
00:21:18,400 --> 00:21:21,359
Speaker 2: OP says. After my dad's funeral, I kept in touch

472
00:21:21,359 --> 00:21:24,280
Speaker 2: with Elizabeth because she didn't have anyone else. She was

473
00:21:24,320 --> 00:21:28,360
Speaker 2: diagnosed with stage four cancer earlier this year, and her

474
00:21:28,400 --> 00:21:32,000
Speaker 2: insurance barely covered anything. The bills were getting insane, and

475
00:21:32,080 --> 00:21:35,439
Speaker 2: she was talking about stopping treatment because she couldn't afford

476
00:21:35,480 --> 00:21:38,480
Speaker 2: to keep living like that. I see where this is going.

477
00:21:38,600 --> 00:21:41,639
Speaker 2: I work a stable job with incredible health benefits, the

478
00:21:41,720 --> 00:21:45,119
Speaker 2: kind that cover dependence at one hundred percent. I asked

479
00:21:45,440 --> 00:21:47,679
Speaker 2: HR about it, and they said the only way to

480
00:21:47,720 --> 00:21:50,160
Speaker 2: get someone on my plan like that is if they're

481
00:21:50,200 --> 00:21:56,280
Speaker 2: a legal dependent. So I offered to marry her, and

482
00:21:56,359 --> 00:22:00,200
Speaker 2: she hesitantly accepted. It was that or adopting her. I

483
00:22:00,200 --> 00:22:03,960
Speaker 2: suppose before anyone jumps to conclusions, it's not romantic. We

484
00:22:04,040 --> 00:22:07,360
Speaker 2: don't live together, we don't sleep together, and there's nothing

485
00:22:07,480 --> 00:22:10,399
Speaker 2: going on. I just didn't want to watch her pass away.

486
00:22:10,440 --> 00:22:12,840
Speaker 2: When I had the ability to help her live. She

487
00:22:13,040 --> 00:22:15,280
Speaker 2: cried when I asked her to do it, not because

488
00:22:15,320 --> 00:22:17,280
Speaker 2: she's in love with me, but because she didn't think

489
00:22:17,320 --> 00:22:20,879
Speaker 2: anyone would care enough to help. Now, my family found

490
00:22:20,920 --> 00:22:25,680
Speaker 2: out and they're absolutely losing their minds. My aunt said

491
00:22:25,760 --> 00:22:29,719
Speaker 2: I dishonored my dad's memory. My cousin said I discussed

492
00:22:29,720 --> 00:22:33,280
Speaker 2: a family and called me a walking Jerry Springer episode.

493
00:22:33,680 --> 00:22:36,560
Speaker 2: My stepbrother told me I was sick and probably doing

494
00:22:36,600 --> 00:22:39,600
Speaker 2: it for attention. I get it, it's weird. I know

495
00:22:39,680 --> 00:22:42,280
Speaker 2: it sounds bad, but I swear this wasn't about anything

496
00:22:42,320 --> 00:22:45,680
Speaker 2: other than helping someone I care about survive. I've already

497
00:22:45,720 --> 00:22:48,560
Speaker 2: been through losing one parent figure. I couldn't just stand

498
00:22:48,600 --> 00:22:51,359
Speaker 2: by and let it happen again just because of red

499
00:22:51,440 --> 00:22:55,720
Speaker 2: tape and medical costs. So Reddit, am I the ahle

500
00:22:55,760 --> 00:22:58,359
Speaker 2: for marrying my dad's widow so she'd get of health

501
00:22:58,359 --> 00:23:01,040
Speaker 2: insurance while she fights cancer. I don't think I am,

502
00:23:01,320 --> 00:23:04,879
Speaker 2: but maybe I'm wrong. And there are some comments, But

503
00:23:04,960 --> 00:23:06,800
Speaker 2: what do you think this one?

504
00:23:07,240 --> 00:23:07,760
Speaker 3: I don't know.

505
00:23:08,359 --> 00:23:11,800
Speaker 2: I feel like you're doing it for such an altruistic reason.

506
00:23:12,000 --> 00:23:13,520
Speaker 3: How can you be mad at that?

507
00:23:14,320 --> 00:23:14,439
Speaker 4: Like?

508
00:23:15,000 --> 00:23:18,240
Speaker 2: Have you explained to your family why you're doing it?

509
00:23:18,320 --> 00:23:20,560
Speaker 2: I mean, you should just hand this Reddit post out.

510
00:23:20,760 --> 00:23:24,639
Speaker 5: It was sounded so sincere. Yeah, the way it was written.

511
00:23:24,440 --> 00:23:26,760
Speaker 2: You can divorce her once she beats cancer.

512
00:23:27,240 --> 00:23:29,720
Speaker 5: I mean, I was just thinking about the legalities. I

513
00:23:29,720 --> 00:23:32,280
Speaker 5: don't know enough about health insurance. It's the outside of

514
00:23:32,320 --> 00:23:35,960
Speaker 5: my scope of expertise because it's a whole different area

515
00:23:36,040 --> 00:23:39,399
Speaker 5: of insurance. But anyway, yeah, I mean I guess if

516
00:23:39,440 --> 00:23:42,480
Speaker 5: it flies with the HR and your health insurance plan

517
00:23:42,640 --> 00:23:45,720
Speaker 5: and they'll actually cover her, I mean that was what

518
00:23:45,840 --> 00:23:46,600
Speaker 5: I was concerned.

519
00:23:46,640 --> 00:23:49,080
Speaker 3: I was like, would they actually cover her though.

520
00:23:49,000 --> 00:23:51,400
Speaker 2: Yeah, I mean make sure that before you do it. Yeah,

521
00:23:51,440 --> 00:23:53,359
Speaker 2: they would cover all of the payments for cancer.

522
00:23:53,760 --> 00:23:56,520
Speaker 3: Yeah, exactly. Yeah, yeah, very interesting.

523
00:23:56,920 --> 00:23:59,439
Speaker 2: It's sir, I think this is it's you're not at

524
00:23:59,440 --> 00:24:01,280
Speaker 2: all the a whole You're actually I think you're kind

525
00:24:01,280 --> 00:24:03,440
Speaker 2: of an angel in the situation. But you are going

526
00:24:03,440 --> 00:24:07,000
Speaker 2: to have to explain this in detail every time it

527
00:24:07,040 --> 00:24:07,439
Speaker 2: comes up.

528
00:24:07,440 --> 00:24:09,200
Speaker 6: I feel like you got to start off with like, hey, hey.

529
00:24:09,040 --> 00:24:11,680
Speaker 2: Hey she had cancer, I had healthcare.

530
00:24:11,520 --> 00:24:12,640
Speaker 6: Very very clear.

531
00:24:12,720 --> 00:24:16,680
Speaker 4: I did this for a specific reason, nothing else, nothing more. Yeah,

532
00:24:16,760 --> 00:24:19,960
Speaker 4: it's just for consideration, trying to help someone I care about.

533
00:24:20,080 --> 00:24:23,000
Speaker 2: I guess, just get ready to explain.

534
00:24:22,600 --> 00:24:23,879
Speaker 6: This multiple times.

535
00:24:24,359 --> 00:24:28,520
Speaker 5: Yeah, I mean, this is just my professional brain.

536
00:24:28,600 --> 00:24:30,760
Speaker 3: But also just know the legalities.

537
00:24:30,800 --> 00:24:33,680
Speaker 5: I don't know enough about the legalities of is this

538
00:24:33,680 --> 00:24:35,840
Speaker 5: this like considered insurance fraud.

539
00:24:35,960 --> 00:24:37,920
Speaker 2: I don't know. Someone said, like green card marriage or

540
00:24:38,040 --> 00:24:40,000
Speaker 2: yeah like that, but is it considered.

541
00:24:39,600 --> 00:24:42,440
Speaker 5: Something like that where you work the system and they

542
00:24:42,440 --> 00:24:45,840
Speaker 5: would like maybe retroactively look at this later and.

543
00:24:46,359 --> 00:24:48,120
Speaker 2: Wait a minute, you're marrying your dad.

544
00:24:48,280 --> 00:24:49,400
Speaker 3: This didn't qualify.

545
00:24:49,480 --> 00:24:50,600
Speaker 6: I'm in love with her.

546
00:24:50,920 --> 00:24:54,879
Speaker 3: Yeah, just look into it. I suppose look into the details.

547
00:24:55,320 --> 00:24:58,520
Speaker 2: Common one says, does your stepbrother and family know why

548
00:24:58,560 --> 00:25:01,040
Speaker 2: you did it? OHP says they they know. I my

549
00:25:01,119 --> 00:25:04,639
Speaker 2: stepbrother was born before she married my father in a situation.

550
00:25:05,119 --> 00:25:07,200
Speaker 2: He never knew his dad, and I was never close

551
00:25:07,240 --> 00:25:10,320
Speaker 2: with my biological mother. We were raised as brothers. He

552
00:25:10,359 --> 00:25:12,679
Speaker 2: said I should have found some other way because this

553
00:25:12,800 --> 00:25:15,480
Speaker 2: is uncomfortable for him. Would it not be worse for

554
00:25:15,560 --> 00:25:18,840
Speaker 2: him to lose his mom? He isn't financially stable, so

555
00:25:19,080 --> 00:25:21,800
Speaker 2: gives no support in any way. My family are against

556
00:25:21,800 --> 00:25:24,400
Speaker 2: it because she was not born into money. They disown

557
00:25:24,480 --> 00:25:26,760
Speaker 2: my father when he married her, and I assume they

558
00:25:26,800 --> 00:25:29,159
Speaker 2: will do the same with me. Comment two says not

559
00:25:29,280 --> 00:25:31,439
Speaker 2: the ahle, So did you explain or did you just

560
00:25:31,520 --> 00:25:35,400
Speaker 2: let people's mind wander. You don't owe anyone any explanation

561
00:25:35,680 --> 00:25:38,320
Speaker 2: for anything you do. But if you didn't say anything.

562
00:25:38,560 --> 00:25:41,840
Speaker 2: I kind of get the reaction, OPI says. I explained,

563
00:25:42,000 --> 00:25:44,240
Speaker 2: my family doesn't like her from when she married my

564
00:25:44,320 --> 00:25:47,040
Speaker 2: father because he came for money and she didn't. So

565
00:25:47,080 --> 00:25:49,960
Speaker 2: they practically show them away to prove a point that

566
00:25:50,080 --> 00:25:52,240
Speaker 2: didn't work out for them. I assume they will push

567
00:25:52,320 --> 00:25:55,080
Speaker 2: me away now as well. My stepbrother thinks it's weird

568
00:25:55,160 --> 00:25:58,200
Speaker 2: because it's just his mom to me's. She isn't biological,

569
00:25:58,280 --> 00:26:00,439
Speaker 2: but we've been raised together, so he doesn't see it

570
00:26:00,480 --> 00:26:04,360
Speaker 2: past the paper and there is an update. But yeah,

571
00:26:04,440 --> 00:26:07,000
Speaker 2: if your family can't, I don't know. I'm really surprised

572
00:26:07,000 --> 00:26:10,240
Speaker 2: by the step brother's reaction when it doesn't seem like

573
00:26:10,280 --> 00:26:13,040
Speaker 2: he's helping his mom financially, also.

574
00:26:12,840 --> 00:26:13,879
Speaker 3: With health insurance.

575
00:26:14,359 --> 00:26:16,560
Speaker 5: Again, this is not my expertise, but you don't have

576
00:26:16,600 --> 00:26:19,920
Speaker 5: to be clear about the pre existing conditions because if

577
00:26:20,000 --> 00:26:23,080
Speaker 5: you go in with this, I mean again, this is

578
00:26:23,119 --> 00:26:24,800
Speaker 5: where the details you really want to know.

579
00:26:25,480 --> 00:26:28,160
Speaker 3: Yeah, it's like legal or not. Yeah, and they would

580
00:26:28,160 --> 00:26:29,000
Speaker 3: actually you have.

581
00:26:28,960 --> 00:26:34,200
Speaker 2: To have insurance before you get sick. Yeah, so yeah,

582
00:26:34,359 --> 00:26:35,000
Speaker 2: really look.

583
00:26:34,880 --> 00:26:36,639
Speaker 3: Into him a lot of details.

584
00:26:37,480 --> 00:26:41,399
Speaker 2: Update. Okay, everyone, thank you for all the input you've given.

585
00:26:41,680 --> 00:26:43,520
Speaker 2: I've taken a lot of it to heart and the

586
00:26:43,640 --> 00:26:46,360
Speaker 2: kind words truly mean a lot. My father was an

587
00:26:46,359 --> 00:26:48,960
Speaker 2: amazing man and I miss some more every day. For

588
00:26:49,080 --> 00:26:51,520
Speaker 2: those in similar situations, I hope things have worked out

589
00:26:51,560 --> 00:26:54,040
Speaker 2: for you. After my last post, I stayed up late,

590
00:26:54,119 --> 00:26:56,520
Speaker 2: reading and responding to as many of you as I could.

591
00:26:56,720 --> 00:26:58,919
Speaker 2: I came to the conclusion that I would have a

592
00:26:58,960 --> 00:27:01,440
Speaker 2: meeting with my family and that Elizabeth and I would

593
00:27:01,440 --> 00:27:03,800
Speaker 2: also meet with my brother. The meeting with my family

594
00:27:03,840 --> 00:27:06,600
Speaker 2: went about as well as I expected. I arrived at

595
00:27:06,600 --> 00:27:09,560
Speaker 2: my aunt's house and surprisingly it was greeted with nothing

596
00:27:09,600 --> 00:27:12,840
Speaker 2: but love. Shortly after, while eating lunch, they made a

597
00:27:12,840 --> 00:27:15,640
Speaker 2: few insensitive jokes and even told me to divorce her

598
00:27:15,720 --> 00:27:18,840
Speaker 2: before she passes away. Eh. That was enough for me.

599
00:27:19,240 --> 00:27:21,960
Speaker 2: I didn't say anything. I just cleaned my dish and left.

600
00:27:22,240 --> 00:27:25,240
Speaker 2: I received numerous calls throughout the day and a few

601
00:27:25,240 --> 00:27:27,199
Speaker 2: texts that I don't care to read. I plan to

602
00:27:27,240 --> 00:27:29,440
Speaker 2: block them, but it still hurts. At the end of

603
00:27:29,480 --> 00:27:31,880
Speaker 2: the day. Those people are my blood and are supposed

604
00:27:31,880 --> 00:27:34,919
Speaker 2: to care about me most. We spoke with my stepbrother

605
00:27:35,320 --> 00:27:38,280
Speaker 2: after talking it through. He said it's really weird and

606
00:27:38,320 --> 00:27:40,960
Speaker 2: that he isn't comfortable with it, but he thanked me

607
00:27:41,080 --> 00:27:45,040
Speaker 2: for helping. It isn't perfect and it's hardly functional on paper,

608
00:27:45,200 --> 00:27:47,639
Speaker 2: but you guys are right. It's a messed up system

609
00:27:47,680 --> 00:27:49,960
Speaker 2: that I'm just trying to work with. As many of

610
00:27:50,000 --> 00:27:53,399
Speaker 2: you asked, No, it isn't insurance fraud. The marriage is

611
00:27:53,480 --> 00:27:57,000
Speaker 2: completely legal, and I don't plan on doing anything explicitly

612
00:27:57,119 --> 00:28:00,879
Speaker 2: against the law. I've been openly ace since middle school,

613
00:28:00,920 --> 00:28:03,760
Speaker 2: so I'm not worried about future partners. If Elizabeth weren't

614
00:28:03,760 --> 00:28:07,200
Speaker 2: abous away, I'd be okay covering any remaining medical or

615
00:28:07,240 --> 00:28:10,879
Speaker 2: other expenses. Even if she weren't legally my wife, she'd

616
00:28:10,920 --> 00:28:11,879
Speaker 2: still be my mom.

617
00:28:12,560 --> 00:28:17,520
Speaker 6: Wow, cool, good sentence. Wife. Step mom wife?

618
00:28:17,600 --> 00:28:22,280
Speaker 2: Yeah, fun, which is weird to say, but you all

619
00:28:22,359 --> 00:28:23,560
Speaker 2: know the story now.

620
00:28:23,720 --> 00:28:25,800
Speaker 3: Yes, I guess step mom wife.

621
00:28:26,000 --> 00:28:28,359
Speaker 2: Yeah, we've never had a step mom wife.

622
00:28:28,359 --> 00:28:30,520
Speaker 5: But I've never that could be the name of the movie.

623
00:28:30,760 --> 00:28:36,200
Speaker 2: Yeah, step mom wife. We've had a brother, uncle, we've

624
00:28:36,200 --> 00:28:39,080
Speaker 2: had an uncle father. We get a lot of different ones,

625
00:28:39,160 --> 00:28:40,680
Speaker 2: but I've never had a step mom wife.

626
00:28:40,720 --> 00:28:42,360
Speaker 6: Yeah, we get some weird stuff over here.

627
00:28:42,440 --> 00:28:45,760
Speaker 2: Yeah. Finally, I never intended on telling my family. A

628
00:28:45,800 --> 00:28:48,840
Speaker 2: cousin of mine saw a company photo I posted on Facebook.

629
00:28:48,960 --> 00:28:51,360
Speaker 2: It was from our banquet, and I had taken Elizabeth

630
00:28:51,360 --> 00:28:53,680
Speaker 2: as my plus one. But there is a little bit

631
00:28:53,760 --> 00:28:57,720
Speaker 2: left to this story. Any final thoughts or advice to

632
00:28:57,720 --> 00:29:03,560
Speaker 2: give Ope about his step mom wife, boy, I mean again,

633
00:29:05,360 --> 00:29:06,880
Speaker 2: I hope that her treatment goes well.

634
00:29:06,960 --> 00:29:09,520
Speaker 3: Oh I know, I really yeah, because that is a

635
00:29:09,560 --> 00:29:12,120
Speaker 3: really that's very hard.

636
00:29:12,080 --> 00:29:14,040
Speaker 6: If people just ask. I think you should have like

637
00:29:14,040 --> 00:29:15,000
Speaker 6: a little business card.

638
00:29:15,120 --> 00:29:17,400
Speaker 2: Yeah, a little card and it's a really tiny text,

639
00:29:17,400 --> 00:29:19,160
Speaker 2: and it's like, this is the reason that she's missed

640
00:29:19,200 --> 00:29:21,120
Speaker 2: up my wife and we you know, did it for

641
00:29:21,440 --> 00:29:24,920
Speaker 2: healthcare reasons and you turned that out a little past.

642
00:29:25,120 --> 00:29:27,840
Speaker 5: Yeah, you get this whole story here scan QR code

643
00:29:28,040 --> 00:29:28,560
Speaker 5: learn more.

644
00:29:28,960 --> 00:29:30,720
Speaker 2: That's smart. You don't even have to fit at.

645
00:29:30,640 --> 00:29:33,080
Speaker 3: All little videos r code qr code.

646
00:29:33,240 --> 00:29:36,760
Speaker 2: But there is a little bit left to this story. Oh.

647
00:29:36,920 --> 00:29:40,240
Speaker 2: One more note to add. My company knows Elizabeth as

648
00:29:40,320 --> 00:29:43,240
Speaker 2: my wife. Pose colleagues know the full situation as they

649
00:29:43,320 --> 00:29:46,520
Speaker 2: knew her before. It's all above board. I work closely

650
00:29:46,600 --> 00:29:49,520
Speaker 2: with an ex legal aid and I assure you all

651
00:29:49,720 --> 00:29:52,480
Speaker 2: we've checked every box. Thank you to everyone who offered

652
00:29:52,520 --> 00:29:55,440
Speaker 2: words of encouragement. I wish I could respond to everyone,

653
00:29:55,560 --> 00:29:57,760
Speaker 2: but there are just too many messages. Have a good

654
00:29:57,840 --> 00:30:00,760
Speaker 2: day and a fruitful life. I haven't shown this Elizabeth yet,

655
00:30:00,760 --> 00:30:03,400
Speaker 2: but I just might. And that is the end of

656
00:30:03,400 --> 00:30:07,920
Speaker 2: that story, folks. But good luck. Ope. It seems like

657
00:30:07,960 --> 00:30:11,040
Speaker 2: everyone in his life besides his family are chill with it.

658
00:30:11,120 --> 00:30:11,800
Speaker 2: So that's good.

659
00:30:12,080 --> 00:30:14,240
Speaker 3: That is good. You gotta have support somewhere.

660
00:30:14,520 --> 00:30:18,200
Speaker 2: Yeah, Okay, Whitney Anderson, thank you for the five bucks.

661
00:30:18,720 --> 00:30:22,120
Speaker 2: Blink twice if you can't answer, But craziest story you

662
00:30:22,200 --> 00:30:25,000
Speaker 2: have that you have dealt with, I think that's for you.

663
00:30:25,000 --> 00:30:26,360
Speaker 6: You can blink twice if you got to.

664
00:30:26,360 --> 00:30:30,880
Speaker 5: Answer, like a client story or any story.

665
00:30:30,920 --> 00:30:36,040
Speaker 2: I guess specifically within your financial I'm like, craziest story.

666
00:30:36,240 --> 00:30:37,160
Speaker 2: I was fine.

667
00:30:39,600 --> 00:30:42,600
Speaker 5: I mean, I can't for client confidentiality, but I will

668
00:30:42,600 --> 00:30:46,280
Speaker 5: say being a financial planner, it's a real inside. It's

669
00:30:46,280 --> 00:30:49,320
Speaker 5: almost like a therapist, because not that I'm trained as

670
00:30:49,320 --> 00:30:52,640
Speaker 5: a therapist at all, but you have it inside, scooped

671
00:30:52,680 --> 00:30:56,560
Speaker 5: to people's finances, which triggers a lot of things for people,

672
00:30:56,680 --> 00:30:57,760
Speaker 5: especially couples.

673
00:30:57,880 --> 00:31:01,240
Speaker 3: And I would be like front rows for it, you know,

674
00:31:01,360 --> 00:31:01,760
Speaker 3: I'd like.

675
00:31:01,760 --> 00:31:06,920
Speaker 5: A couple problems, couple problems, lack of communication, we get

676
00:31:06,960 --> 00:31:11,800
Speaker 5: that here, crying and meetings. Oh yeah, it's wild. And

677
00:31:11,880 --> 00:31:16,960
Speaker 5: money and do my best to you know, mediate the situation.

678
00:31:17,560 --> 00:31:21,800
Speaker 5: But money is is very triggering. Yeah, it's emotional. It's

679
00:31:21,840 --> 00:31:25,120
Speaker 5: not just you should save your money, you should budget.

680
00:31:25,240 --> 00:31:28,760
Speaker 5: It's never that. It's our behaviors, our emotions, how we

681
00:31:28,800 --> 00:31:31,280
Speaker 5: grew up society, what we think we should be, what

682
00:31:31,320 --> 00:31:33,480
Speaker 5: we think we should have in our lives, and so

683
00:31:33,920 --> 00:31:35,680
Speaker 5: absolutely it's very interesting.

684
00:31:35,880 --> 00:31:38,520
Speaker 4: Yeah, what's what's the most common thing that you get

685
00:31:38,560 --> 00:31:41,960
Speaker 4: that's like it seems really weird or like really out

686
00:31:42,000 --> 00:31:45,080
Speaker 4: of pocket for you know, anybody, but it's actually more common,

687
00:31:45,160 --> 00:31:46,680
Speaker 4: especially in Los Angeles. I feel like there's a lot

688
00:31:46,720 --> 00:31:49,400
Speaker 4: of weird things that maybe to other people maybe weird,

689
00:31:49,440 --> 00:31:52,080
Speaker 4: but for us or for you you you know yourself.

690
00:31:51,760 --> 00:31:54,520
Speaker 3: Weird things as in what we spend our money on, or.

691
00:31:54,480 --> 00:31:56,760
Speaker 4: Like they looking for like they're looking for like financial

692
00:31:56,800 --> 00:31:57,640
Speaker 4: advice or someone.

693
00:31:57,800 --> 00:32:00,000
Speaker 2: Yeah, maybe like a like a dog trust situation.

694
00:32:00,240 --> 00:32:04,560
Speaker 5: Oh, like a dog trusty like an LA's version. Yeah,

695
00:32:04,920 --> 00:32:07,320
Speaker 5: I mean that is pretty La. I'm just thinking like

696
00:32:07,400 --> 00:32:09,800
Speaker 5: sometimes it's just I don't want to say, like hiding

697
00:32:09,920 --> 00:32:14,120
Speaker 5: money but not like giving the full picture on certain things,

698
00:32:14,480 --> 00:32:17,560
Speaker 5: or maybe we've.

699
00:32:17,360 --> 00:32:21,240
Speaker 2: Put you on the spot, I know too much, Like

700
00:32:21,280 --> 00:32:22,760
Speaker 2: I don't know what I can say.

701
00:32:22,920 --> 00:32:24,200
Speaker 6: I don't want to preach anything.

702
00:32:24,520 --> 00:32:30,080
Speaker 7: Yeah, we talked, but I will say this might sound

703
00:32:30,120 --> 00:32:34,040
Speaker 7: a little boring, but living in big cities, especially La, Yeah,

704
00:32:34,240 --> 00:32:35,000
Speaker 7: it's just you.

705
00:32:35,000 --> 00:32:38,440
Speaker 3: Need a lot of money. There's yeah like expensive, it's expensive.

706
00:32:38,480 --> 00:32:40,959
Speaker 5: And I think that's one of a common thing I

707
00:32:41,040 --> 00:32:43,800
Speaker 5: hear among my friends who make good money.

708
00:32:44,000 --> 00:32:45,840
Speaker 3: It's like, we make good money.

709
00:32:45,680 --> 00:32:48,680
Speaker 5: And it's still not enough, Like it's not like two

710
00:32:48,760 --> 00:32:51,840
Speaker 5: hundred and fifty thousand used to be Wow, that is

711
00:32:51,960 --> 00:32:54,920
Speaker 5: so successful and you could do so much with that.

712
00:32:55,040 --> 00:32:58,480
Speaker 5: Now it's almost the basic amount if you're married with

713
00:32:58,600 --> 00:33:02,160
Speaker 5: kids living in a city to survive, which is wild.

714
00:33:02,440 --> 00:33:05,920
Speaker 2: I have friends in New York who are making really

715
00:33:05,920 --> 00:33:08,000
Speaker 2: good who are my age twenty four, who are making

716
00:33:08,040 --> 00:33:12,000
Speaker 2: really good money but are living in like shoe boxes. Yeah,

717
00:33:12,000 --> 00:33:15,960
Speaker 2: it's crazy. Yeah, but we've got one more story. He

718
00:33:16,040 --> 00:33:17,000
Speaker 2: is John og host.

719
00:33:17,040 --> 00:33:18,520
Speaker 1: We don't get back to the stories, but a quick

720
00:33:18,560 --> 00:33:20,400
Speaker 1: freeman of break of ads from our sponsors.

721
00:33:20,640 --> 00:33:23,240
Speaker 2: I want a large amount of money, but I refuse

722
00:33:23,360 --> 00:33:27,800
Speaker 2: to tell my husband that is common. Oh, I twenty

723
00:33:27,840 --> 00:33:30,800
Speaker 2: six female and my husband, twenty six male, have been

724
00:33:30,840 --> 00:33:33,760
Speaker 2: married for almost two years. For the past year I've

725
00:33:33,760 --> 00:33:37,640
Speaker 2: been the breadwinner and I'm not okay with this. Hobby

726
00:33:37,760 --> 00:33:40,680
Speaker 2: lost his job after some budget cuts and since then

727
00:33:40,720 --> 00:33:45,000
Speaker 2: he's been doing nothing but playing video games. Wow, he

728
00:33:45,040 --> 00:33:48,000
Speaker 2: went two interviews, but that stopped after two months. And no,

729
00:33:48,400 --> 00:33:51,920
Speaker 2: he isn't doing any chores. We used to split chores

730
00:33:51,960 --> 00:33:54,040
Speaker 2: fifty to fifty, but now he isn't even doing his

731
00:33:54,120 --> 00:33:57,480
Speaker 2: fifty percent. So I'm financially supporting both of us while

732
00:33:57,520 --> 00:34:00,520
Speaker 2: also doing one hundred percent of the chores. By the way,

733
00:34:00,600 --> 00:34:02,560
Speaker 2: this comes from deleted and if you want to submit

734
00:34:02,600 --> 00:34:04,760
Speaker 2: your own stories, go to the r slash Okay storytime

735
00:34:04,800 --> 00:34:05,240
Speaker 2: severed it.

736
00:34:05,440 --> 00:34:08,560
Speaker 4: I'm Sophia, I'm Brittany, and I'm key On and we

737
00:34:08,640 --> 00:34:11,720
Speaker 4: do have a special guest here. Brittany, please introduce yourself

738
00:34:11,760 --> 00:34:13,160
Speaker 4: on who you are and what you do.

739
00:34:13,440 --> 00:34:16,680
Speaker 5: I'm Britney Castro. I'm a certified financial planner. I do

740
00:34:17,280 --> 00:34:20,640
Speaker 5: financial planning content. I had my own practice for eight

741
00:34:20,680 --> 00:34:23,600
Speaker 5: years where I worked with clients in financial planning. I

742
00:34:23,640 --> 00:34:26,239
Speaker 5: sold that to focus on brand partnerships full time. I

743
00:34:26,280 --> 00:34:28,560
Speaker 5: worked with a chasement into it. Now I'm Head of

744
00:34:28,640 --> 00:34:31,080
Speaker 5: Education at Signal Advisor, so I do a lot of

745
00:34:31,120 --> 00:34:31,960
Speaker 5: financial content.

746
00:34:32,200 --> 00:34:33,160
Speaker 3: Is basically what I do.

747
00:34:33,360 --> 00:34:35,400
Speaker 6: Yes, and thank you Gray for being here.

748
00:34:35,239 --> 00:34:36,960
Speaker 5: Thanks for having me, and we're going to get some

749
00:34:37,000 --> 00:34:40,000
Speaker 5: advice for opee yesh And we're here to give.

750
00:34:39,840 --> 00:34:43,759
Speaker 2: Good advice goosefully. But we don't have all the answers.

751
00:34:43,840 --> 00:34:45,960
Speaker 2: We only know what we do. So let us know

752
00:34:46,000 --> 00:34:49,040
Speaker 2: what you would do. And again today we have an expert,

753
00:34:49,200 --> 00:34:52,200
Speaker 2: and op says, I've discussed this with my mother in

754
00:34:52,280 --> 00:34:54,239
Speaker 2: law and father in law and they had to talk

755
00:34:54,280 --> 00:34:56,200
Speaker 2: with him. Father in law even got him a couple

756
00:34:56,239 --> 00:34:59,080
Speaker 2: of interviews that he missed because he was playing and

757
00:34:59,200 --> 00:35:02,520
Speaker 2: forgot to go. Two weeks ago, father in law called

758
00:35:02,600 --> 00:35:05,279
Speaker 2: him and scolded him. Father in law told him he

759
00:35:05,400 --> 00:35:07,880
Speaker 2: raised him better than to leech off me and not

760
00:35:07,960 --> 00:35:10,479
Speaker 2: even help with household chores. He told him he needs

761
00:35:10,520 --> 00:35:12,840
Speaker 2: to get his act together and start doing his chores

762
00:35:12,920 --> 00:35:15,160
Speaker 2: and look for a job because a marriage is fifty

763
00:35:15,160 --> 00:35:17,600
Speaker 2: to fifty and right now I'm doing one hundred percent

764
00:35:17,640 --> 00:35:20,239
Speaker 2: of everything. He ended the call by telling him he

765
00:35:20,280 --> 00:35:23,720
Speaker 2: was very disappointed. My husband always had this thing about

766
00:35:23,719 --> 00:35:26,479
Speaker 2: making his dad proud. He started looking for a job

767
00:35:26,520 --> 00:35:29,279
Speaker 2: and even went on two interviews. I mean, that makes

768
00:35:29,280 --> 00:35:31,880
Speaker 2: me a little worried that everything that you were asking

769
00:35:31,960 --> 00:35:34,320
Speaker 2: him to do he didn't listen, But when his dad asked,

770
00:35:34,760 --> 00:35:38,080
Speaker 2: then you listened. Now, last week, I went on a

771
00:35:38,120 --> 00:35:40,400
Speaker 2: trip with some friends and we went to a casino

772
00:35:40,520 --> 00:35:44,680
Speaker 2: where I won two hundred thousand dollars. How much of

773
00:35:44,719 --> 00:35:45,600
Speaker 2: that is taxed?

774
00:35:45,960 --> 00:35:49,799
Speaker 6: It would be I think doesn't depend the state or county.

775
00:35:49,560 --> 00:35:53,160
Speaker 5: Or yeah, okay, I wonder if it's in Vegas.

776
00:35:53,200 --> 00:35:54,000
Speaker 3: Where's this person?

777
00:35:54,560 --> 00:35:57,000
Speaker 2: Well, if we just assume it's Vegas, I think.

778
00:35:56,840 --> 00:36:00,120
Speaker 5: It's ordinary income, any winnings, Yeah, to report, Okay, A

779
00:36:00,200 --> 00:36:00,759
Speaker 5: fact check this.

780
00:36:00,880 --> 00:36:04,640
Speaker 2: Yeah. I haven't told my husband, and I don't know

781
00:36:04,760 --> 00:36:07,520
Speaker 2: if I will. I'm afraid if I do, he'll go

782
00:36:07,600 --> 00:36:11,040
Speaker 2: back to doing nothing, excusing that as we don't need

783
00:36:11,080 --> 00:36:13,160
Speaker 2: money and I could hire someone for the ass work

784
00:36:13,360 --> 00:36:16,320
Speaker 2: before you ask. Our finances are separate and he doesn't

785
00:36:16,360 --> 00:36:18,960
Speaker 2: have access to my bank account, so I don't think

786
00:36:18,960 --> 00:36:20,800
Speaker 2: he will find out. I want to use some of

787
00:36:20,840 --> 00:36:23,520
Speaker 2: the money to pay my student loans. What's left after that,

788
00:36:23,640 --> 00:36:26,120
Speaker 2: I want to put in savings. We are discussing the

789
00:36:26,160 --> 00:36:29,560
Speaker 2: possibility of having kids and if we decide to expand

790
00:36:29,600 --> 00:36:32,200
Speaker 2: our family. I want my kids to have a college fund.

791
00:36:32,320 --> 00:36:34,880
Speaker 2: But I'm also reconsidering having kids with a man that

792
00:36:34,960 --> 00:36:37,960
Speaker 2: needs to be scolded by his parents in order for

793
00:36:38,040 --> 00:36:41,040
Speaker 2: him to do his part in the relationship. And there

794
00:36:41,160 --> 00:36:44,040
Speaker 2: is an update. But uh, what do you think about

795
00:36:44,040 --> 00:36:44,719
Speaker 2: this situation?

796
00:36:45,320 --> 00:36:48,680
Speaker 5: I did fact check. It is ordinary income, so it's

797
00:36:48,760 --> 00:36:52,520
Speaker 5: like normal, normal taxes, normal taxes. I think this is

798
00:36:52,600 --> 00:36:55,560
Speaker 5: very interesting. Like I said earlier, it's never just money.

799
00:36:55,680 --> 00:36:59,080
Speaker 5: This is like to me money out there's like you said,

800
00:36:59,120 --> 00:37:03,440
Speaker 5: there's some deeper relationship things that need to be worked on.

801
00:37:03,640 --> 00:37:05,920
Speaker 5: Why is he listening to his dad but not you?

802
00:37:06,600 --> 00:37:09,640
Speaker 2: Yeah, and clearly OPI doesn't trust I mean for very

803
00:37:09,680 --> 00:37:14,279
Speaker 2: obvious reasons, but doesn't trust her husband excially. Yeah, I

804
00:37:14,280 --> 00:37:15,839
Speaker 2: don't know of that, especially with kids.

805
00:37:15,880 --> 00:37:18,719
Speaker 5: I don't or yeah, kids, I mean, I think that's

806
00:37:18,760 --> 00:37:21,040
Speaker 5: a fair thought that she has. Do I want to

807
00:37:21,080 --> 00:37:23,520
Speaker 5: have kids with this person? I mean, because if you're

808
00:37:23,560 --> 00:37:27,040
Speaker 5: seen For me, it's about the character more so than

809
00:37:27,080 --> 00:37:29,880
Speaker 5: if he Like I just in relationships in the past,

810
00:37:29,920 --> 00:37:34,000
Speaker 5: when my boyfriend wasn't working or in between things, it

811
00:37:34,040 --> 00:37:35,919
Speaker 5: was like, but I knew he was going to get

812
00:37:35,920 --> 00:37:37,800
Speaker 5: the next one because he was ambitious and he was

813
00:37:37,840 --> 00:37:40,839
Speaker 5: a go getter. Or they're not, do you So it's

814
00:37:40,960 --> 00:37:45,480
Speaker 5: more of a character issue than making money right this moment,

815
00:37:45,560 --> 00:37:47,959
Speaker 5: because absolutely you don't want to be the breadwinner forever,

816
00:37:48,080 --> 00:37:49,399
Speaker 5: especially if you're going to have kids.

817
00:37:49,440 --> 00:37:51,880
Speaker 2: Yeah, it seems like he's getting a job or you know,

818
00:37:51,920 --> 00:37:54,799
Speaker 2: it's been putting work and effort into it now. But

819
00:37:55,239 --> 00:37:57,600
Speaker 2: if you think that the second that you tell him

820
00:37:57,600 --> 00:37:59,319
Speaker 2: you have extra money, he's going to just drop that,

821
00:37:59,520 --> 00:38:01,840
Speaker 2: then yeah, this is not something that you know you

822
00:38:01,880 --> 00:38:03,360
Speaker 2: can stay in long term.

823
00:38:03,560 --> 00:38:07,520
Speaker 5: And it's not that you have to necessarily share the money.

824
00:38:07,640 --> 00:38:09,880
Speaker 5: You can still do what you want. I mean in

825
00:38:09,920 --> 00:38:13,520
Speaker 5: this scenario, technically she got the money. It's almost like

826
00:38:13,640 --> 00:38:17,520
Speaker 5: when someone inherits money. Technically it could stay under there

827
00:38:18,120 --> 00:38:21,120
Speaker 5: like individual ownership, even if they're married, as long as

828
00:38:21,120 --> 00:38:25,440
Speaker 5: they don't divorce in an inheritance or in this in.

829
00:38:25,400 --> 00:38:29,120
Speaker 2: This situation, because the money was got or was received

830
00:38:29,239 --> 00:38:33,640
Speaker 2: during their marriage, but it's in separate finances or separate accounts.

831
00:38:34,000 --> 00:38:36,759
Speaker 3: What happens, it depends on what state they're in.

832
00:38:36,840 --> 00:38:40,080
Speaker 5: So like California, were community property, so when you're married,

833
00:38:40,120 --> 00:38:45,160
Speaker 5: it's automatically everything is community property exactly unless it's inheritance,

834
00:38:45,320 --> 00:38:48,279
Speaker 5: unless you keep it separate. But the moment, like if

835
00:38:48,360 --> 00:38:51,080
Speaker 5: you inherit money and you buy a house together, then

836
00:38:51,160 --> 00:38:53,640
Speaker 5: it's considered community property again.

837
00:38:54,160 --> 00:38:57,680
Speaker 2: So if she wanted to divorce and she was in California,

838
00:38:57,760 --> 00:38:59,839
Speaker 2: then it would just yeah, she would still lose half.

839
00:39:00,160 --> 00:39:01,520
Speaker 3: Yeah, yeah, I like that.

840
00:39:01,600 --> 00:39:03,920
Speaker 5: My money is my money, your money is my money,

841
00:39:04,080 --> 00:39:07,440
Speaker 5: Our money is our money. I think that's the best

842
00:39:07,440 --> 00:39:09,680
Speaker 5: way that I'm very unique in that.

843
00:39:11,200 --> 00:39:13,400
Speaker 2: But there is an update. I posted this in another

844
00:39:13,440 --> 00:39:16,600
Speaker 2: sub and someone made me question if he was really

845
00:39:16,680 --> 00:39:20,320
Speaker 2: laid off because of budget cup or if that's a lie.

846
00:39:20,800 --> 00:39:23,520
Speaker 2: So I talked with one of his former colleagues and

847
00:39:23,600 --> 00:39:27,120
Speaker 2: he told a different story. According to him, my husband

848
00:39:27,239 --> 00:39:29,960
Speaker 2: left because I made enough to support both of us

849
00:39:30,000 --> 00:39:32,319
Speaker 2: so we didn't need to work. I went home and

850
00:39:32,360 --> 00:39:34,560
Speaker 2: he was playing as usual, so I called for him.

851
00:39:34,760 --> 00:39:37,400
Speaker 2: I think he forgot his door was open because I

852
00:39:37,400 --> 00:39:40,440
Speaker 2: heard him tell his gaming buddy, my witch is home

853
00:39:40,680 --> 00:39:44,000
Speaker 2: and use the B word. But that's our replacement. I

854
00:39:44,160 --> 00:39:48,920
Speaker 2: lost it that that's awful. Yeah, I think this is

855
00:39:48,920 --> 00:39:51,719
Speaker 2: a I don't think this is gonna last. I don't know.

856
00:39:52,120 --> 00:39:55,719
Speaker 3: Sorry, I mean, that's just rough. That's not nice. No,

857
00:39:55,960 --> 00:39:58,360
Speaker 3: I mean, like relationship exactly.

858
00:39:58,440 --> 00:40:01,560
Speaker 2: And she's supporting him and allowing him to do nothing

859
00:40:01,719 --> 00:40:04,880
Speaker 2: and play games all day and not clean the house,

860
00:40:05,239 --> 00:40:05,839
Speaker 2: and this.

861
00:40:05,800 --> 00:40:07,640
Speaker 3: Is always treating her bad behavior.

862
00:40:07,840 --> 00:40:10,920
Speaker 2: Yes, I don't know how I managed to stay composed,

863
00:40:10,960 --> 00:40:13,759
Speaker 2: but a lot of people pointed out he may be depressed,

864
00:40:13,920 --> 00:40:15,839
Speaker 2: so I tried to talk to him. This is how

865
00:40:15,840 --> 00:40:16,200
Speaker 2: it went.

866
00:40:16,520 --> 00:40:16,600
Speaker 5: Me.

867
00:40:16,880 --> 00:40:19,239
Speaker 2: I'm very unhappy with how things are right now. I

868
00:40:19,280 --> 00:40:21,520
Speaker 2: work to support both of us, and I'm also doing

869
00:40:21,600 --> 00:40:24,799
Speaker 2: all the household chores. It's not fair you have a

870
00:40:24,880 --> 00:40:27,480
Speaker 2: gaming problem. I think you should go to therapy and

871
00:40:27,520 --> 00:40:30,399
Speaker 2: maybe we can try couples counseling too. Him. I don't

872
00:40:30,400 --> 00:40:34,160
Speaker 2: see the issue. I like games, So what me? Okay,

873
00:40:34,239 --> 00:40:36,960
Speaker 2: have you found a job yet? Him? No, Me, I

874
00:40:37,000 --> 00:40:39,440
Speaker 2: know you weren't fired. Why didn't you quit? I didn't.

875
00:40:39,640 --> 00:40:42,480
Speaker 2: After an hour, he finally admitted that he does a

876
00:40:42,680 --> 00:40:45,280
Speaker 2: lot of work and he never looked for jobs either.

877
00:40:45,480 --> 00:40:48,680
Speaker 6: He's like, honey, life's a video game. I'm right now.

878
00:40:48,760 --> 00:40:51,440
Speaker 2: I mean, I don't want to work either, but we do.

879
00:40:51,680 --> 00:40:53,439
Speaker 2: We have to wadds.

880
00:40:55,120 --> 00:40:57,040
Speaker 6: I'm putting life on easy mode, babe.

881
00:40:57,200 --> 00:40:59,879
Speaker 5: I want to chill all day too. Yeah really, yeah,

882
00:40:59,880 --> 00:41:03,080
Speaker 5: I really like your voices. I think you should continue on.

883
00:41:04,280 --> 00:41:04,839
Speaker 3: Make up more.

884
00:41:04,920 --> 00:41:08,520
Speaker 2: Me and him, Oh absolutely, yeah, No, I'll improvise the

885
00:41:08,560 --> 00:41:10,680
Speaker 2: next part of that. I think it would just be

886
00:41:10,800 --> 00:41:15,680
Speaker 2: him going, I love clash and I don't want to

887
00:41:15,719 --> 00:41:19,640
Speaker 2: clean the house, that's all. And then his dad comes in.

888
00:41:19,800 --> 00:41:23,520
Speaker 2: He's like, I didn't raise a Clash of Clan's kid.

889
00:41:23,880 --> 00:41:26,959
Speaker 2: I raised a hard worker. And then it would yeah,

890
00:41:27,040 --> 00:41:29,360
Speaker 2: and then she would divorce him, and she would go

891
00:41:29,360 --> 00:41:32,680
Speaker 2: to a small town and meet a little baker boy

892
00:41:32,960 --> 00:41:33,719
Speaker 2: who hustles.

893
00:41:33,840 --> 00:41:37,319
Speaker 5: Yeah, made man, and she came from nothing, grows up,

894
00:41:37,400 --> 00:41:38,480
Speaker 5: made his money.

895
00:41:38,520 --> 00:41:40,520
Speaker 2: And he teaches her about the magic of Christmas.

896
00:41:41,560 --> 00:41:43,400
Speaker 3: That's the end Hallmark movie.

897
00:41:44,200 --> 00:41:47,120
Speaker 2: All the interviews he went to were actually outings with friends.

898
00:41:47,200 --> 00:41:50,759
Speaker 2: Oh no. His friends were like, how's that Clash of

899
00:41:50,800 --> 00:41:53,000
Speaker 2: Clan's game going, And he's like, yeah, I went to

900
00:41:54,239 --> 00:41:56,439
Speaker 2: They asked me about that. He doesn't want to work

901
00:41:56,480 --> 00:41:59,640
Speaker 2: because we don't need money. So I said, okay, I'm

902
00:41:59,640 --> 00:42:02,160
Speaker 2: fine with being the sole provider. But then he needs

903
00:42:02,200 --> 00:42:04,680
Speaker 2: to do the chores. He said no, he would rather

904
00:42:04,760 --> 00:42:09,320
Speaker 2: play games. So I handed him the divorce papers. Nice,

905
00:42:10,640 --> 00:42:14,279
Speaker 2: I'm overreacting, and I would still work and do all

906
00:42:14,400 --> 00:42:17,080
Speaker 2: chores if I was alone, So why can't I just

907
00:42:17,160 --> 00:42:21,759
Speaker 2: do it now? This guy sucks. I don't like this guy.

908
00:42:22,480 --> 00:42:24,319
Speaker 2: We got into a fight and I did end up

909
00:42:24,360 --> 00:42:27,600
Speaker 2: telling him about the money. His reaction was exactly the

910
00:42:27,640 --> 00:42:31,160
Speaker 2: one I was afraid of. He suggested getting a maid.

911
00:42:31,840 --> 00:42:34,560
Speaker 5: What Well, yeah, you could get a maid. Yeah, still

912
00:42:34,680 --> 00:42:36,640
Speaker 5: not the right solution in this scenario.

913
00:42:36,680 --> 00:42:38,640
Speaker 2: I think the solution is you get a made and

914
00:42:38,760 --> 00:42:42,720
Speaker 2: divorce him. Yeah, boom, it's easy. So I'm currently staying

915
00:42:42,760 --> 00:42:45,400
Speaker 2: with my sister. I'm not backing down from the divorce.

916
00:42:45,600 --> 00:42:47,719
Speaker 2: And for those of you that are worried, he has

917
00:42:47,920 --> 00:42:51,200
Speaker 2: no right over the money. We have a prenup. Nice

918
00:42:51,760 --> 00:42:55,200
Speaker 2: good one, Hey, John Ogi host here. We're gonna get

919
00:42:55,239 --> 00:42:56,000
Speaker 2: back to this episode.

920
00:42:56,120 --> 00:42:57,840
Speaker 1: But a quick three minute break of ads from a

921
00:42:57,880 --> 00:42:59,160
Speaker 1: sponsor's keeping the show alive.

922
00:42:59,760 --> 00:43:02,600
Speaker 2: So after the divorce, each leaves with what's in our

923
00:43:02,680 --> 00:43:05,759
Speaker 2: name and he won't see a dollar. My lawyer reassured

924
00:43:05,840 --> 00:43:07,919
Speaker 2: me of that. And there is a second update. That's

925
00:43:07,960 --> 00:43:10,000
Speaker 2: I mean, that's what I was wondering. So that's great

926
00:43:10,040 --> 00:43:12,680
Speaker 2: that you had the prenup prior to the marriage.

927
00:43:12,920 --> 00:43:14,719
Speaker 3: Maybe she had an intuition for that.

928
00:43:14,880 --> 00:43:18,759
Speaker 2: Yeah, I wonder if any of this was kind of

929
00:43:19,160 --> 00:43:20,280
Speaker 2: there before.

930
00:43:20,960 --> 00:43:21,719
Speaker 3: Usually it is.

931
00:43:22,040 --> 00:43:24,080
Speaker 2: Yeah, I feel like you can kind of tell I.

932
00:43:24,040 --> 00:43:27,760
Speaker 5: Find with money, people's character is the same before and after.

933
00:43:27,880 --> 00:43:31,000
Speaker 5: It just gets exaggerated, especially when you live one way

934
00:43:31,080 --> 00:43:33,680
Speaker 5: or the other. It's like how they say when people

935
00:43:33,840 --> 00:43:36,000
Speaker 5: inherit a lot of money, or when a lot of money,

936
00:43:36,040 --> 00:43:37,680
Speaker 5: It's not that all of a sudden they become this

937
00:43:37,920 --> 00:43:42,880
Speaker 5: like some you know, stereotypical, sure, lavish, outrageous, obnoxious person.

938
00:43:42,920 --> 00:43:43,759
Speaker 3: They were already like that.

939
00:43:43,800 --> 00:43:46,319
Speaker 5: It's just the money made it worse. Yeah, now they

940
00:43:46,360 --> 00:43:48,720
Speaker 5: have now they have money. Or if like a person's

941
00:43:48,800 --> 00:43:52,040
Speaker 5: humble and then they have money, they can stay humble.

942
00:43:52,080 --> 00:43:54,319
Speaker 5: I know a lot of humble wealthy people and you

943
00:43:54,320 --> 00:43:56,560
Speaker 5: would never know. And it's so attractive.

944
00:43:57,880 --> 00:43:58,560
Speaker 3: It's not like.

945
00:43:58,520 --> 00:44:01,840
Speaker 5: Their money is not the the thing they brag about.

946
00:44:01,920 --> 00:44:03,879
Speaker 5: And look at me, look at me and have all

947
00:44:03,880 --> 00:44:06,040
Speaker 5: this money. It's like, great, you have money. Yeah, who

948
00:44:06,120 --> 00:44:08,520
Speaker 5: are you as a person?

949
00:44:09,560 --> 00:44:15,439
Speaker 2: Yeah, there is a second update. Hubby is crying, gets

950
00:44:15,480 --> 00:44:18,560
Speaker 2: me to reconsider. He's promising to get a job in

951
00:44:18,640 --> 00:44:21,600
Speaker 2: layoff gaming. I don't know if I should laugh or cry,

952
00:44:21,760 --> 00:44:24,560
Speaker 2: but dang, I don't believe anything, he says. He also

953
00:44:24,640 --> 00:44:27,440
Speaker 2: apologized for calling me a witch and swears he'll do

954
00:44:27,560 --> 00:44:30,000
Speaker 2: all house stores and get a full time job. It's

955
00:44:30,000 --> 00:44:32,520
Speaker 2: got a pathetic But nonetheless, if divorce is the only

956
00:44:32,560 --> 00:44:34,680
Speaker 2: way to get him to participate, I don't want to

957
00:44:34,719 --> 00:44:38,600
Speaker 2: always need to print papers every time he isn't doing anything.

958
00:44:38,960 --> 00:44:42,839
Speaker 2: Any final thoughts or words of advice for OP now

959
00:44:42,880 --> 00:44:45,360
Speaker 2: that she's going solo financially.

960
00:44:45,440 --> 00:44:49,719
Speaker 5: If I've learned anything, actions speak louder than words, and

961
00:44:50,000 --> 00:44:53,439
Speaker 5: if this guy says all of that, then let's see

962
00:44:53,480 --> 00:44:57,440
Speaker 5: it before anything, before you accept anything.

963
00:44:57,560 --> 00:45:00,960
Speaker 2: Absolutely yes. And also we know that she's asked all

964
00:45:01,000 --> 00:45:04,080
Speaker 2: of this of him and is already parents have asked it. Yeah,

965
00:45:04,160 --> 00:45:08,200
Speaker 2: and have you know has seen no change? Right, So

966
00:45:08,400 --> 00:45:10,640
Speaker 2: it feels like, you know, his last ditch attempt to

967
00:45:10,760 --> 00:45:14,640
Speaker 2: exactly stay exactly. He doesn't want to work.

968
00:45:14,560 --> 00:45:15,840
Speaker 3: Yeah, it's his income source.

969
00:45:15,960 --> 00:45:19,920
Speaker 2: Yeah, Gabe, I'm not going to be able to play

970
00:45:20,000 --> 00:45:22,920
Speaker 2: games all the time anymore. I have to work.

971
00:45:23,280 --> 00:45:25,320
Speaker 3: I don't want to work, and he choice.

972
00:45:27,360 --> 00:45:29,799
Speaker 2: But there is a little bit left. I told him

973
00:45:29,920 --> 00:45:33,080
Speaker 2: I'm not going to reconsider because his actions showed me

974
00:45:33,320 --> 00:45:36,080
Speaker 2: he isn't someone that I could count on. I want

975
00:45:36,160 --> 00:45:45,200
Speaker 2: a family, not to be a slave where I slack

976
00:45:45,360 --> 00:45:49,040
Speaker 2: safe to say. He left crying saying I don't love him,

977
00:45:49,320 --> 00:45:52,920
Speaker 2: and that no one will want me. Does he think

978
00:45:52,920 --> 00:45:57,240
Speaker 2: that someone's gonna want him? But there is a third update.

979
00:45:57,480 --> 00:45:59,480
Speaker 2: I really quickly though. I wonder if he's going to

980
00:45:59,520 --> 00:46:03,200
Speaker 2: get a job, get someone to you know, get a relationship,

981
00:46:03,200 --> 00:46:04,399
Speaker 2: and then just continue that pat.

982
00:46:04,600 --> 00:46:06,839
Speaker 5: It could be That's what I'm saying you. You just

983
00:46:06,880 --> 00:46:10,920
Speaker 5: don't know. It's a character thing more than job. No job,

984
00:46:11,000 --> 00:46:14,120
Speaker 5: absolutely doing the chores or no chores, And it's trust

985
00:46:14,200 --> 00:46:16,000
Speaker 5: and at this point no trust.

986
00:46:16,040 --> 00:46:18,280
Speaker 2: Yeah. Yeah, And it seems I mean, they got married

987
00:46:18,320 --> 00:46:20,000
Speaker 2: pretty young. They got married at twenty four.

988
00:46:20,239 --> 00:46:21,440
Speaker 3: Yeah, so I don't know.

989
00:46:21,760 --> 00:46:24,400
Speaker 2: Yeah, but there is a final update. I've talked with

990
00:46:24,440 --> 00:46:26,560
Speaker 2: a few different lawyers and they all reassured me that

991
00:46:26,640 --> 00:46:29,480
Speaker 2: the prenup was very well structured, so he doesn't have

992
00:46:29,520 --> 00:46:31,960
Speaker 2: a claim on the money. But they advised me not

993
00:46:32,120 --> 00:46:36,160
Speaker 2: to discuss further details until the divorce is finalized. So

994
00:46:36,320 --> 00:46:38,960
Speaker 2: I won't update for a while. And that is the

995
00:46:39,120 --> 00:46:41,800
Speaker 2: end of that story. And also that was the final

996
00:46:41,880 --> 00:46:43,560
Speaker 2: story that we have you.

997
00:46:44,360 --> 00:46:45,440
Speaker 3: Story time's over.

998
00:46:46,040 --> 00:46:48,080
Speaker 2: It's over for now, but you'll come tomorrow.

999
00:46:48,200 --> 00:46:49,839
Speaker 3: Yeah, it's all come back and.

1000
00:46:49,840 --> 00:46:52,680
Speaker 2: We'll have you read more stories at the time in

1001
00:46:52,800 --> 00:46:54,960
Speaker 2: the party. Yeah, yeah, you have to read them at

1002
00:46:54,960 --> 00:46:55,520
Speaker 2: the party.

1003
00:46:55,600 --> 00:46:58,200
Speaker 5: I'm just reading stories that that could be my costume.

1004
00:46:58,360 --> 00:47:00,279
Speaker 2: Yeah, we've seen you in a We sit in a

1005
00:47:00,320 --> 00:47:02,719
Speaker 2: corner and I just read stories and we put you

1006
00:47:02,800 --> 00:47:04,239
Speaker 2: in our outfits.

1007
00:47:03,960 --> 00:47:07,360
Speaker 3: That I could be you. I can actually just be you.

1008
00:47:07,440 --> 00:47:08,800
Speaker 3: I'll just carry this my career.

1009
00:47:09,360 --> 00:47:12,319
Speaker 2: You could. We have some extra mics, but that's all

1010
00:47:12,360 --> 00:47:14,359
Speaker 2: of our stories. Do you want to introduce yourself one

1011
00:47:14,400 --> 00:47:14,759
Speaker 2: more time?

1012
00:47:14,960 --> 00:47:17,839
Speaker 6: Yes, people and any socials or anything. Yes you want

1013
00:47:17,840 --> 00:47:18,279
Speaker 6: to give.

1014
00:47:18,239 --> 00:47:19,919
Speaker 3: Us, Yeah, this is the time.

1015
00:47:20,040 --> 00:47:23,759
Speaker 5: I'm Britney Castro, certified financial planner. I'm a planner here

1016
00:47:23,760 --> 00:47:27,400
Speaker 5: in Los Angeles. I had my own firm for eight years,

1017
00:47:27,440 --> 00:47:31,040
Speaker 5: worked with clients on financial planning, sold it. I've done

1018
00:47:31,040 --> 00:47:34,240
Speaker 5: brand partnerships for a long time, work with Chasement into

1019
00:47:34,280 --> 00:47:37,640
Speaker 5: it big brands to do financial literacy content. If you

1020
00:47:37,680 --> 00:47:40,520
Speaker 5: would like to work with me in some capacity, I

1021
00:47:40,560 --> 00:47:43,560
Speaker 5: still do some consulting on the side. You can go

1022
00:47:43,560 --> 00:47:45,680
Speaker 5: to Britney Castro dot com. You can follow me on

1023
00:47:45,760 --> 00:47:49,160
Speaker 5: Instagram Britney Castro d m me say hi, let me

1024
00:47:49,239 --> 00:47:50,440
Speaker 5: know that you watch this show.

1025
00:47:50,560 --> 00:47:51,480
Speaker 3: I would love to connect.

1026
00:47:52,040 --> 00:47:53,280
Speaker 6: Thank you so much for coming.

1027
00:47:53,239 --> 00:47:55,080
Speaker 5: Thanks for having me. This was a lot of fun.

1028
00:47:55,239 --> 00:47:57,359
Speaker 2: Yeah, I know I had a great job. Thank you,

1029
00:47:57,440 --> 00:47:59,000
Speaker 2: and you did a great job. Thank you.

1030
00:47:59,480 --> 00:48:00,000
Speaker 3: Thank you.

1031
00:48:00,000 --> 00:48:01,719
Speaker 2: Do we have any other like donuts or anything that

1032
00:48:01,760 --> 00:48:02,760
Speaker 2: were for party?

1033
00:48:02,920 --> 00:48:05,560
Speaker 4: No? Nothing, It seems like everyone. I think someone said

1034
00:48:05,640 --> 00:48:07,919
Speaker 4: you could wear a fedora. You could pull that off.

1035
00:48:07,960 --> 00:48:08,520
Speaker 6: So I don't know.

1036
00:48:08,640 --> 00:48:13,560
Speaker 3: She could wear a fedora for for what? For Halloween? Yeah,

1037
00:48:13,600 --> 00:48:16,160
Speaker 3: you're just you with the fedora, just coming a fedora.

1038
00:48:16,960 --> 00:48:17,400
Speaker 3: I don't know.

1039
00:48:17,760 --> 00:48:18,640
Speaker 6: Maybe you could be Sam.

1040
00:48:19,280 --> 00:48:22,560
Speaker 2: Everyone, but if you love us, make sure to subscribe.

1041
00:48:22,960 --> 00:48:25,560
Speaker 2: We love you and see you tomorrow.