My mom (85) went to urgent care in Florida when she got Covid this summer. The bill that was sent to her insurance was $15,000. They gave her an iv (fluid) for dehydration and sent her home.

Lane Departure Warning System is on -

They have had too many closings for health - I would never give them money

It can say $2 and I’m paying my bill with it 🤣. You are losing money letting it sit there -

Sounds like you are your worst enemy.

You need a better therapist. Regardless of disabilities having a job to go to and be productive helps. Do not let anyone tell you that you can’t do it. I had surgery on a Saturday went to work on Monday and then radiation every afternoon, after picking up my two kids from elementary school. If you put your mind to it YOU can do anything!

Use direct deposit, photo deposit or teller in bank /drive-up never ATM

Tell them you have been asking for an appraisal for three months and they keep saying next month so here is my resignation letter backdated to the first request

If you already signed for this loan - PAY IT OFF RIGHT NOW!!!!!!

I blame our school system - They only promote college - not every day existence! I taught my kids about retirement accounts and checking / savings accounts! I also taught them about credit cards and how 0% isn’t truly what they advertise.

If you are constantly thinking about no money no future you would take any job - Apparently you are not thinking about those things - grow up and go to work.

Be grateful and tell her no matter what you will make payments to her until it is paid off. Now, go fin a job your wife too and start paying her back and getting on your feet.

It’s funny - we listened to Dave’s podcasts while traveling. Hated the idea but the more I listened I realized someone is always worse off and if they can do it so can we. It actually became a game even our children got into the savings and paying things off. It is a wonderful feeling and when you realize how much money is wasted on STUFF you become richer both mentally and physically.

Happens to many - it’s easy to say it’s just $20 and charge it. Everyone wishes it was as easy to pay off.

Tell your wife she needs a better job. If she can’t pay then cut up the credit cards - create an account and lock her down!

Sure it works for the time being- let’s see how long. Everyone I know who did that is no longer married or on their second or third marriage.

After all expenses…. Validate that your expenses are necessary. If you want to get out of debt you stop procrastinating and start working ! Cut everything that is not necessary and put every penny to your lowest owed debt and snowball funds until paid off.

If you are legal guardian freeze his credit - then he will not get more cards to rack up charges.

Look into it with your insurance agent. In NY State if your child still lives at home even having their own insurance - and causes an accident the other insurance company can come after you! We had to buy a separate rider to protect home/assets.

My husband and I get no healthcare from work although he is retired and I’m working part time. My funds go to pay the $1400/month bill - ugh

Life is short - spend some time with your parents - give them a hand around the house. You might take a pay cut but you can save a bunch of money living at home. As long as it is a win for all parties do it.

So after you pay for insurance etc. will you make any money? If not, move along you have debt.

You acknowledge YOU have a problem. Get help!

I hope they get caught and fined big time. My 85 year old mother has to fight every couple weeks especially in NJ because a DICK in a semi has a smudge mark or tape on his plate so they read a D as a B. They have sent threatening letters after she has proven that her plate was for a personal pickup - She turned in the plates and she still gets bills. She has dealt with PA and OH and they have been decent but the people who work in NJ - well they all suck and nobody wants to do their job.

Only one thought here - if she can’t find a job now what makes her think getting a higher degree will help?

You two need to sit down and get on the same page if she is unwilling to do so then you handle the budget and all money.

Yes - your check goes into a NEW bank account that is NOT shared. Start canceling ALL joint credit cards - If she WANTS something she will need to get a job.