/biz/ - Business & Finance

you married a stupid cunt, gg

>>5264439
buy bitbean

>>5264439
Have her mother talk to her. It needs to come from someone else.

>Wife
>son

fuck off
you're a normie that bought into the marriage/kids meme

>>5264439

selling the house should be considered an option

wow that's pretty serious bro

you need to sit down and talk, i mean seriously don't let this get any worse

Women and money...

Odds are she's spending it all on some turbochad buying him gifts and dinner while you are off for training or something, or else she wouldn't get so defensive and would have bags or shit to show for it.

it's like yeah, definitely having a sidefuck

She is the bread winner so she has the money. I can only tell her she needs to stop blowing our money, but I can't cut her off from her own accounts. The credit card debt is from an accumulation of shit like a CT scan for my son (Insurance sucks, had to pay $4000 out of pocket), emergency car repairs, water damage to the house, a school I went to 10 years ago saying I owe them $3000 for late tuition etc etc...


I work when I can for $11 an hour at a hospital, but I can only work here and there as I watch the kids and if I were working full-time all the money would go into daycare for them. We already pay her mom $500 a month to watch the kids a few times a week when I had class and clinicals and other things. I have two semesters left before I can work and actually make decent money (guaranteed 45k/year starting out when I graduate), but I can honestly see us filing for bankruptcy before then if she doesn't tighten her spending. I know I sound like a cuck that can't control his woman, but she isn't blowing my money from my accounts, she is the one making it all. My credit is fucked already and my old car is nearing its final miles.

I put $900 into crypto with a credit card near it's max and I had it up to $1500 just two days ago, now it's almost back to the initial investment. Crypto won't bail me out of this one...

>>5264439
read pic related,
find a debt advisor / credit counsellor, whatever those fucks are called in wherever you're from
give back the gifts, sell the house, use the proceeds to pay off your debt. get a nice apartment in your price range, and work your way up from there.

>>5264708
well shit man. i really can't say what will happen
i think at this point you need a plan B in case shits goes south.

because from what im hearing, shes not a listener type of wife

>>5264708
This is why you don't marry a working woman unless you are still making significantly more than her or she makes so much that money is immaterial. She's being a typical woman (dumb as fuck) and can't respect you because she makes all the money so you can't tell her she. As you nag her more and more she will eventually resent you and start fucking one of her Chad coworkers which she is probably already doing judging by the story.

Your only hope is to go all in on chain link and hope it goes to $100 a coin so you can get your manhood back.

Protip: your a cuck.

If you want to save ur family get together and make a budget. Stop being a fucking degenerate and spending like drunken pirates. If both of you don't get on board it won't work. Come up with a plan on a spreadsheet and figure it out. Listen to 10 minutes of Dave and you can turn this thing around. Or just go bankrupt and hate yourself.

Don't listen to these neets. It's not all your wife's fault. Ur part of the problem.

>>5264439
What does it have to do with crypto?
/adv/ is this way -> >>>/adv/

>>5264955
"/biz/ - Business & Finance"
Fuck off

>>5264530
Her mom is part of the problem. Her mom was the exact same way, except she wasn't the bread winner. Wife's father is a super jew with his money, like calculates exactly how many hours the lights or air conditioner can be on in the house and can't use them past that point type of jewry. He wouldn't let the mom spend any money on anything without a huge fight about it, so the mom would buy shit behind his back on credit cards until it got out of hand. He found out about it and they almost divorced, but then he got stupid and hit her, broke her arm, so she basically told him he is stuck with her unless he wants to lose everything in a divorce. They paid off the debt and pretend to be functional.


Now the mom lives through my wife, convincing her to buy dumb shit and get on her plexus pyramid scheme etc... I have done my best to stop most of it but she is of no help in our spending problems. Her grandpa is a millionaire that will die soon and his two kids (the Jew dad) will get the money. Her mom asked him if he was planning on giving any of it to his kids and he said "I had to wait this fucking long for my inheritance, they're going to wait until I die for theirs."

>>5264439
This is why the jews wanted women in the workforce, because they SPEND like crazy. Imagine if you were the one with that 100k a year job and running the household. Everything would probably be in order. But women get all sorts of advantages nowadays its a fast track straight to good jobs. Yeah men can still get ahead but its a lot more of a hassle and getting to be more of a hassle all the time.

Anyway, you are right, your life is unraveling because the foundation is poor.

>falling for the marriage jew
>falling for the kids meme
>falling for the kids meme again
>falling for the credit card jew
>falling for the mortgage jew
>marrying a stupid cunt who is a slave to the amazon jew

You have fucked up irreparably

She's probably ordering hella strap ons for her and her side-mommy. Your wifes a dyke bro, a clam bandit, rug muncher. Buy some clamcoin for ya broad ya losa

>>5264708
>4000$ for a CT scan WITH insurance
>paying a grandmother to watch her own grandkids
>Make 120k/year as a couple but still find themselves in horrible debt

Let me guess... you live in the USA

>>5265081
Did you not know any of this before marrying her?

>>5265081
>We already pay her mom $500 a month to watch the kids

stop that shit unless you want your children to poor fags. also why the fuck are you paying family? don't you know the 110th rule of acquisition?: ""Exploitation begins at home."

ask your wifes father for advice. if he kikes, he knows how to jew your way out of this. also stop whining. I haven't seen you inquire to any advice given to you yet. All you do is finding excuses and blaming others.

>>5265189
You got it friendo. Her mom would do it for free or just enough for gas money and food, but her dad wont allow it. He told her she isn't watching them unless we pay, because that's time she could be working instead (She retired early due to medical conditions, so she really can't do a lot, but he is a jew.)

>>5264439
what can you do homie I mean you are leeching off her full time LMAO

>>5264439
unironically buy an etheremon.

>>5265299
goddamn, charging your kids to watch over your grandkids

fucking sociopath

>>5265234
He won't help, he will just say "Don't spend money." What am I supposed to enquire about with the advice given? I know we need a budget, we are going to look at it today or tomorrow and I will tell her exactly how much she has to blow on bullshit every month. If she follows it I don't know, she knows she can't spend like she does now but it hasn't stopped her.

>>5265299
That is disgusting. What an awful human being. She sounds like a typical boomer

>>5265385
Obviously she has some sort of psychological problem. Might even be shopaholic. Spending money on shit to fill the void left by her greedy ass father and stupid ass mom no?

Consider getting professional help for her. She might even agree she needs it but feels to incomfortable in coming up with the idea herself.

>>5264439
Do you sit down to pee bro? Its time to lay down the law on her. Put her on a strict budget and take away her access to CCs.

>>5264850
>and stsrt fucking one of her Chad coworkers which she is probably already doing judging by the story.

This is the first thing that came to my mind when I read this story too. Something isn't adding up on your wife's end. Someone has their fangs in her money. Honestly OP, if you can't get through to her just go into full damafe control mode for you and the kids. Start saving YOUR money independent from her. This seems like a ship that is already sinking.

>>5265299
Why did you marry Shlomo Sheckelberg Goldstein Apfelbaums daughter?

Is she hot or what. The red flags are right in your face.

As far as advice goes, sell your car and buy a cheap beater. Car loans are super jewish.

Jesus fucking christ. Nothing makes me more glad to be full homo than reading stories about evil wife-harpies from hell.
OP, consider divorcing her. 45k/year is enough money to look after 2 kids and live comfortably if you're in a small, cheap town.

>>5264439
You are fucked up. You have 2 kids with a retard that is probably cheating on you. My only advice in this situation is thank God I'm glad I'm not you.
P.S: pls stop posting such depressing shit on my /biz/. I don't want to experience normalfag's existential despair even vicariously.

>>5265385
if her father won't help, fair enough. there are still other people knowledgable about money around. I'm sure you know one or two.
a budget might not be enough when you're unsure whether your wife sticks to it. you might have to actively downgrade your life style. it sucks, and it hurts, but it also decreases the bleeding.
for instance have you calculated whether your almost broken car is a net positive or a net negative compared to public transport, sharing a car with your wife, or even uber?
what about your house? often times what you pay may be equal to rentals or even more. depending on where you live of course.
another thing, and I don't like proposing it, is asking your father in law for a credit with more favourable terms than what you pay now for your debts.
have you considered buying bitbeans? kidding, buy link.

>>5264439
listen to the signals and make yourself rich you cuck
https://discord.gg/srFAtER

>>5264742

truth hurts. but this is the answer. probably will end up in divorce.

>>5265659
She isn't cheating, she is a good Christian girl that was a virgin when when I met her. It's the furthest thing on my mind to worry about with her. She didn't have sex for 25 years because she wasn't giving it up to just anyone. She is being a fucking cunt with our money, but she isn't a whore.

Honestly credit card interest is the biggest bleeder on the budget. It's taking atleast $1000-$1200 a month on pure interest, not lowering the debt any. I am about to just remove her bank account attached to them and default on them so we can save money from interest payments mont to month until we have enough to pay them off, or go long enough they have to reach a settlement and stop killing us with interest. The next biggest is her being lenient about clothes, make up, (((jew)))elry and being generous with gifts for the kids and other people. She usually had good intentions, just shitty results.

>>5265779
but don't you have to worry about your partner fucking 300 other guys?

>>5265961
>She isn't cheating, she is a good Christian girl that was a virgin when when I met her.

You fell for ALL of the fuckin' memes, my dude.

start buying small amounts of anonymous cryptocurrencies every month, eventually it will pile up and you'll have your own private digital cash stash you cuck

>>5264439
this is what happens when the female makes the money in a marriage. its unnatural, the whole dynamic gets screwed up.

>>5265299
Are they literally Jewish? This is an absolutely insane family relationship

>>5264439
that's what you get for living in commiefornia

>>5264439
>being with a stupid cunt
>let alone marry her
ur fault

>>5265385
by the way, when you have payed off your debt, quality health insurance might be worth it as long as your children are children.

another thing is, get a 'shared bank account'. not in the sense that you pool all you money, but as an account you pay your bills from. I don't know what it's called in english, erm ... just use automatic transactions each month to transfer the appropriate amount.
separating the money will help her not ruthlessly spend what she isn't supposed to spend.
banks can be quite nice by the way, and I know it's possible, because I did it once: have the bank account only be 'accessible' with consent of both of you. Just ask the teller when you open it, I'm sure they'll help.

>>5265808
He won't do it, she has asked and he straight up said no, that "he can't afford to right now" despite knowing he had a couple hundred grand saved up. We asked her grandpa for a loan, as that's what his son has done his entire life as to never need a credit card or get a bank loan, and her father flipped his shit, telling her to never ask him for money ever again and not take advantage of him like that. Fucked up thing is told my wife he didn't have enough money to pay for her college, but then when his other daughter was going four years later he paid for her much more expensive school all the way, never tried to make it up to my wife ever. We still have no idea why he would pay hers, we can only figure the mom forced him somehow.

He is not a good person, he only cares about himself and can't put himself in anyone else's shoes. My dad has a little bit of money and in a true emergency he could help, but he is also trying to retire in a year and it would set him back to ask for much, and I don't want to do that to him. My mom is basically on a fixed budget so she can't help.


I have thought about getting one of those credit relief loans that have a much smaller interest payment than what we currently have, but I think they're mostly scams. I don't know much about them though, not sure where to find out more. I get letters from them all the time, but nobody ever recommends them. My credit is already in the 500s so I don't care if it hurts it more.

>gambling $1000 on shit coins
>gambling on video poker
> not fixing your own car
> not fixing your own house
> paying for haircuts

So do you watch the kids or does grandma? you`re sending mixed signals. $500 a month is pretty cheap for child care. $100k a year is good money. Your wife controls the finances and wears the pants. Im sure she has this under control. If not it's her money and her life.

>>5266302
Jesus christ you need to shove that jew in the oven and turn it up to 11.

You should pay some niggers to fuck him up bad. no kidding.

>>5266141
I live in Texas lol, our 5 bedroom, 2 1/2 bath house on an acre of land was $300,000 total. The mortgage is $1879 a month to be exact. Utilities aren't bad, though we get charged a shitty sewer fee. That's fucking great for what we make a year. We shouldn't have a problem paying for it if a good budget was in place. This is the next step, but the credit debt has to go away to really make the budget effective. The card with the most money has like 22% interest, it's fucking nuts.

>>5266302
your wife and her family are so rigid when it comes to money.

iv already known many people like this in my life. it usually whites that live in upper state or rural areas.

but then again, it sounds like you love your wife very much. i suggest you get some counseling.

>>5266510
i suggest that he nutts up and tells her how it's going to be. either she changes or divorce and since she's the breadwinner he could find a kike lawyer to grant him alimony

top fucking kek

>>5266302
that's ... man, he's an asshole. anyway, when it comes to any new credits: use a calculator. it's the secret of financially liquid men.

as to your own father - and please see this as a last resort - consider that even paying half of what you pay now in interest is still a large sum, but paying less also helps you a lot.

you're paying 2/3 of your monthly income in interest (if I understood you correctly). that's way too much.

also what other bills do the two of you have to pay? USD 3000 sounds like you can at least trim a few hundred.

also don't forget there's always the sociopath solution:

http://www.divorcesource.com/ds/newyork/can-men-get-alimony-after-divorce--4574.shtml

>>5266510
>counseling

marriage counselling kills, man. it's asking beta males for relationship advice. just as stupid as asking /biz/ for financial advice.

>>5266381
>gambling $1000 on shit coins
It isn't a gamble until I lose money. So far I am up $200. I will pull out when it looks like I am going to lose any money.

>gambling on video poker
$50 in the last three months. Really breaking the bank so I could have a hobby too, faggot.

> not fixing your own car
I do what I can, I can't replace a control arm or fix the transmission without the fucking tools, can I?

>> not fixing your own house
Yeah, I should take on a DIY project involving the foundation and carpentry repairs I have no experience in whatsoever. That won't fuck it up even more and cost more later.

>> paying for haircuts
$20 bucks every 2-3 months. But yeah, I should just buzz cut it every week and be a fucking slav. Maybe even give myself a bowl cut, because I am a NEET loser like you.

My spending might be $100 a month on non-necessities.


She was getting the $500 a month from August till this month. There were weeks where she would have them for 8+ hours 4 times a week and take them to appointments or preschool. My degree is really clinical-intensive, I had to do over 200 hours of clinicals outside of regular class time this semester. $500 is good I agree, but she is also their grandmother, not the lady next door.

>>5264439
Larp faggot
A real men would smack that bitch

>>5264439
>having a 3 yr old while studying
>50k in cc debt

lel

>>5264439
Divorce her bro. You'll be the one getting alimony

>>5264439
How the actual FUCK do you rack up fifty fucking thousand dollars of credit card debt? I honestly don't understand that.

Sell your testes, buy etheremons. See you at the lambo dealership baybeeeee

>>5267085
Yep, barely passed one class this semester because I didn't have enough time for all the homework. I was incredibly stressed and tired all semester. Luckily I have a vyvanse script and have a a good memory to do well on exams with minimal study time. My entire life has been an uphill struggle, but it's mostly my fault.

Remember when /biz/ was for discussing crypto instead of whining about how shit your are at life?

Even further back, remember when /biz/ was for discussing business generally, with an emphasis on crypto?

I miss them days.

>>5267217
fucking this

>>5267039

dont listen to the retards, your actual problem is that your wife is the boss, she doesnt listen to you, she doesnt give a shit about you and you actually gave her control over YOUR money. Just wow dude.
Seems like she has plenty of her own money and she STILL takes yours? You are cucked dude, tell her to do as you want, make your own account.
You messed up a loooong time ago when you decided that you could let her walk all over you

>>5264488
it's funny because the first reply was your answer. You shouldn't have married her dumbass. On top of that you are a failure by definition. Men are supposed to be the bread winners. How the fuck are you going to gain control of your finances when she is making all the money? Good luck dummy, hope that sweet pussy is worth fucking up your whole life.

>>5265114
You missed

>falling for the fulfilling life jew

>>5264708
>I put $900 into crypto with a credit card near it's max
You deserve everything that comes to you

>>5267467
Yeah, so fulfilling that OP is absolutely fucked forever with no chance of escaping.

>>5264439
>earning less than your woman
Kys as fast as possible. Also you should do whatever she wants because you are the useless parasite that is getting financed by her.

>>5265961
BAHAHAHA you’re cucked and you don’t even see it.

Good christian girl no sex for 25 years KEK

>>5264439
Assuming your not a larper, this is a terrible place to ask for information.

That being said. You are the man of the house, fucking act like it. Contact one of Dave Ramsay's debt councillers and ask for help, tell your wife in a non confrontational way that the debt will lead to repossession of the home, and that you both need to address this, do it calmly.
Sit down with her and work out how much money comes in per month, and how much goes out, and how much actually needs to. Then with this number in mind you need to start a joint account together which neither can get money out without dual permission, every month deposit the payments in and pay out.
Focus on paying off all your debts with the snowball technique, the smallest first to the biggest, this will give you both encouragement to keep on it.
As leverage, tell your wife that the expenses that you both are paying out for in terms of credit card debt, etc, could be used to start building an investment fund for your children's future, so they wouldn't need student loans, etc.
Also once she and you have paid into the family budget, let her have some to put into her own account, as spending money. You need to address her tendency to buy, because she has fallen into this destructive cycle.

Finally, be a man. You have kids with her, there is no getting off the ride now, even if you crash out you will be paying for your kids forever, so try and make the situation work. Recognise that finance is a stress factor in your marriage.
Be kind to your partner, divorce isn't as liberating as you think it would be.

>>5267039
>I am a NEET loser like you.
oh boy, you are much worse off than any NEET on this german metalworking forum

>>5267039
>because I am a NEET loser like you.
>It isn't a gamble until I lose money
>I will pull out when it looks like I am going to lose any money.
>I could have a hobby too, faggot.


you deserve no help.

>>5264439
maybe you should keep track of what you spend.

Take your receipts, open a spread sheet, and add up how much you spend on clothes, gas, groceries, eating out, internet, phone, gas, electricity, water, etc.

Maybe when your wife sees that she's spending $5k a month on clothes or whatever you can get her to cut it down to $1k, and then cut that down to $500, and then cut down to spending $100 or less on clothes every month.

>>5267225
>"Let's put this couch and dryer on the credit card, it will accrue us frequent flier miles!"
>oh man, this emergency dental work for our kid that knocked out a tooth falling off the jungle gym will cost $3000. Can't put it towards the credit card this month.
>"I bought a hotel room for three nights for our vacation, I got a better deal using our credit card!"
>"Hey so remember when the Navy moved us for the last time when we got out? Looks like we were a few thousand lbs over the weight limit and they're charging us $3000. We don't have that money on hand and they're going to start charging 70% interest on it. Guess we will put it on the CC.
>"Hey remember that car we leased when you were in the Navy? They charged us $2000 for going over the mileage and a small dent on the bumper. It went straight to the credit card on file."

Do this for $50k worth of shit. You have credit card debt.

let's be honest here guys, OP's only option is to buy ROPE

>>5264439
Her money doesn't belong to you.
>But the TV feminists told me marriage is a partnership so I should own half of it!
It doesn't work that way. The only reason people even believe that a man's income belongs to the household is due to centuries of Judeo-Christian marriage laws.

She'll spend the money how she likes because it is fundamentally hers in her point of view.

>What do
I'd honestly demand control of the account she receives pay in. If she doesn't, I'd get my shit in order to divorce her to get sweet aliman-y

OP here is my honest advice for this situation.

Fixing the problem is going to start with you, even if you aren't fucked up. You have to be the one to lead by example where then others will follow. No one wants to listen to someone about budgeting when they aren't doing it themselves. So forget trying to convince her to budget spending and be the one to just do it for your own spending.
Think of it like this; your house is messy with trash and garbage everywhere and needs to be cleaned up. Neither you or your wife clean it up despite you telling her "we need to clean!" But she feels like you're ordering her and putting the blame on her. HUMANS NEED AND LOOK FOR GUIDANCE AND DIRECTION. If you took the initiative and just started cleaning, in front of her, just cleaned on your own, she WILL follow suit. She will see it and she will feel pressured to participate. I've done this a million times. Try it with other things to see it work. People will follow your steps if you just lead it first.
So do this with your budget. Forget getting her involved and focus only on your shit. Make drastic changes to your spending, come up with financial plans. But do all this where she can see it. Have her discover this and when she asks, you tell her that you want to fix the problem, but don't make it sound like she is the problem. She will feel the guilt. You don't need to explicitly put it on her. She will come around and do the same thing, which at that point you guys can cut spending together.
Anon, it just needs to start with you taking that first step yourself. Don't rely on other people, don't blame other people even if they're wrong. The only person you have true control over is yourself

>>5267907

Additionally, OP, all this advice to take things by force and to demand x y z or grab your balls is not going to work (at least long term). Even if she does comply immediately, it isn't going to resonate with her for long. Switch roles and imagine your wife demanding control over the account. You'd see her as a controlling asshole and most likely resent her. This type of shit doesn't work in relationships. You need to socially manipulate and steer her to where you want her.

>>5268135
>>5268390
don't give this retard real advice. Who in their right mind lets their wife be the bread winner and then complains about this shit on the internet? Complete fucking loser

>>5267907

u fucking retard?? lmfao

>>5265382
seems pretty typical of middle to upper-middle class boomer dads. At least mine was the exact same way

>>5264439
Reminder that this is why they wanted women and blacks in high paying positions. They're horrible with money and very conducive to Keynesian policies.

>>5267819
Problem, bitch? It's OK for you to gamble your NEETbux on crypto in hopes of escaping the confines of the bedroom in your mom's house, but when someone who actually needs the gains to help support his family it's deplorable and you're going to talk shit? Fuck you little fucking loser, I have kids and a wife, you know, that I engaged in coitus with while you're making pink wojack threads and asking how much crypto it takes for an Instagram escort to touch your pathetic hapa penis for the first time in your life. You're a disgusting amoeba compared to me, you're just a large (VERY large) ugly child in an adults body. Tell me about your military service. How many lives have you saved? Who have you helped outside of yourself, trying to fulfill your own needs in search of a quick rush of endorphins to try and forget about the pathetic, painful existence you don't deserve to have. Fuck you, end yourself.

>>5264439
>woman making 6 figures
>woman working at all

This is why we need to gas the kikes

>>5268475
Shit man, people fuck up and inevitably make mistakes but if no one is out there to help others out then who is going to help me when I fuck up?

>>5268561
>engaged in coitus
your coitus has quite literally cost you your life
I hope it was worth it

>>5268561
Shit, that was brutal!

I sympathize with you man. Half this board apparently either never made a mistake in life, or don't even know what real life is. You can mean well and do everything right and still end up in a bad situation. Don't listen to these fucking losers.
Also consider leaving the shithole USA is. In Europe you earn less, but at least you don't go through the shit you have to go there.

Good luck for you and your kids.

>>5268681
you are too nice anon. I've become bitter I guess. Thanks for making me self evaluate... sigh

>>5268135
This is good advice but I've been in a roommate situation where I decided to do just that, as the kitchen was always a pigsty but nobody ever followed suit, in fact one of them even fucking complained that I didn't clean up at one point. Like they just accepted that I am "cleanup guy". If I wasn't financially in the shitter at the time heads would've dropped. But instead it was just tension and yelling and dealing with COMPLETELY unreasonable cunts. SO yeah it's good advice in almost every situation but when it doesn't work it's a fucking bitch.

>>5265961
>dad is a jew
>raised christian

Something doesn't add up and it's your wife fucking another man, possibly more

>>5267907
You deserve to live paycheck to paycheck like an animal. Your poor kids. I feel really bad for them.

>>5268475
Imagine dynamics outside of what you see on TV and in your anime happening in real life. It's almost like roles don't change based on circumstances, like getting out of the Navy so I could actually spend time with my wife alnd kids instead of being deployed and moving around every few months or going on deployments, getting fucking shot at by jihadists in ancient shit covered lands, watching a friend choke to to death on his own blood after our convoy gets hit by an IED and trying to stop an arterial bleed on a medevac helicopter taking small arms fire. Imagine previously being the breadwinner for most of the marriage, paying the bills while she goes to graduate school so she can get a high paying job, so when I get out of the Navy she can be the breadwinner while I go through a difficult degree as fast as possible so I can get back to work.

But no, you shitheads couldn't comprehend a life that doesn't fit your /pol/ incel view of how reality happens outside of your computer screen. Good luck to your endeavors in life, hope you never have any hardships, trials or tribulations in your life.

>>5264439
lol 3D
2D is far superior

Embedding monika.chr into the blockchain so every Bitcoin node has a copy of Monika!
Monika using her powers to make Bitcoin go over 19000 USD!
Going to the moon with Monika!

>>5268561
>Problem, bitch?

yes. you're insulting the people trying to help you, you ungrateful fuck. additionally you can not afford gambling, nor do you know how to gamble right.
you say you need the gains. right on, do you also need the losses? or does cashing out when it's obvious you're losing sound like you're coming out on top? you won't. you're as useless as you make out yourself to be.

>Fuck you little fucking loser,

right, I'm the loser. take a look in the mirror and ask yourself what a person in your situation is.

> I engaged in coitus
>hurr, I have sex with a woman that has every reason to cheat on me, unlike the dudes with actual money, who can afford going out and most likely work out, because women don't want that.

right? get a rope.

>Tell me about your military service.

ahahahahahahahahahaaha.

>Who have you helped outside of yourself

I'm not a burden for others, m8. what about you?

>>5268894
>You can mean well and do everything right and still end up in a bad situation.

you mean like hitler? get a grip, and read what this fucker's writing. he's doing nothing right, instead blaming his wife. look at this shit: >>5267907
tell me that's doing it right. even if it was his wife, why didn't he say 'no'? and the moment he gets called out on his shit, he turns psychopath. c'mon, that fucker's a dead beat and he deserves it.

>>5269175
Oh yeah man thanks for your help

>reaction pic and a snide comment

Wow top tier advice lad, why aren't I more thankful? I didn't say shit to anyone that has actually offered advice, I have heeded it and will try some of it. You, on the other hand, are a pathetic troll that can't experience happiness outside of the misery of others. So yeah, fuck off, you're barking up the wrong tree.

>>5268561
What the fuck did you just fucking say about me, you little bitch? I’ll have you know I graduated top of my class in the Navy Seals, and I’ve been involved in numerous secret raids on Al-Quaeda, and I have over 300 confirmed kills. I am trained in gorilla warfare and I’m the top sniper in the entire US armed forces. You are nothing to me but just another target. I will wipe you the fuck out with precision the likes of which has never been seen before on this Earth, mark my fucking words. You think you can get away with saying that shit to me over the Internet? Think again, fucker. As we speak I am contacting my secret network of spies across the USA and your IP is being traced right now so you better prepare for the storm, maggot. The storm that wipes out the pathetic little thing you call your life. You’re fucking dead, kid. I can be anywhere, anytime, and I can kill you in over seven hundred ways, and that’s just with my bare hands. Not only am I extensively trained in unarmed combat, but I have access to the entire arsenal of the United States Marine Corps and I will use it to its full extent to wipe your miserable ass off the face of the continent, you little shit. If only you could have known what unholy retribution your little “clever” comment was about to bring down upon you, maybe you would have held your fucking tongue. But you couldn’t, you didn’t, and now you’re paying the price, you goddamn idiot. I will shit fury all over you and you will drown in it. You’re fucking dead, kiddo.

>>5264708
>I know I sound like a cuck who can’t control his woman

This is what a lot of retards on /pol/ and other traditionalists don’t understand

A lot of women cannot be controlled and they will not submit to you, or anyone (unless they are filthy rich and treat them like shit)

Thanks for the redpills OP. Definitely not touching marriage or kids until I’m making a fortune.

The life of a normie sounds miserable. sell the house if the value has appreciated since you bought it. Use those gains to pay off debt. Find a cheaper 1,000 sq ft home. What sort of cars are you driving? You can get a reliable 10-15 year old Toyota Corolla for $2-$3,000. I don't understand why your health insurance is so poor. Why doesn't your wife have top tier insurance from work?

>>5269315
click on my id, you dimwit.

>>5269342
Congratulations, you're a good Jew tool.

This is obviously a pity thread, since one will be blocked for begging, now people have taken to pity. If youre studying at university in the medical profession and youre wife is making 100k a year, you both obviously should have enough sense to live within your means. Nice stories tho, but its a pity that you have to stoop so low, i think i would respect outright begging more than what you are doing, youre fucking with peoples emotions, have you no honour? Youre a disgrace.

>>5269162
You sound like a good man. I've got no advice, best of luck though.

>>5268561
>implying you wouldn’t kill to be a single NEET at this point just to hit the reset button

Shit nigger I’d rather be a NEET than be in your boat, that sounds terrifying

All of my frIends have married women just like yours. Shop on amazon, blow their money on stupid shit ect ect

I have no idea why men marry these women. You can see them coming a mile away, but they do it anyways

Fucking them is one thing, but marrying them? What the fuck guys...

>>5264439
try selling drugs

>>5264439
Maybe she bought you a bitcoin for christmas?

Start fucking your wife aggressively and completely dominate her in bed. It might pass through the bedroom.

It’ll be ok OP, fellow veteran here. First off your wife isn’t cheating - you would know by the bank statements, timelines, etc. I banged out some Christian virgins and know they exist.

It sounds like you’re over leveraged completely. If you can’t make it until your graduation, and family loans aren’t available then your best course of action is to downsize. You could get by with a 3 bedroom house. Sell your place, pay off your debts, get rid of a bunch of shit, and stop your wife from being a consumer whore.

Good luck - Semper Fi (USMC ‘02-‘06)

I'll be honest, and not just being an arsehole or memelord, but I'd seriously considering just suicide in this situation.

Your life sounds utter dogshit.

>>5269801
i never saw anybody lose money sellin crack fuck all this bitcoin monopoly money shit its gonna be like wallstreet 1929 people jumpin out windows when shit hits the fan DO NOT INVEST BITCOIN

>>5264439
That sounds pretty bad anon. Sound like you married somebody who never learned to manage money and how to live below their means. Seems like they raise their spending until they're living paycheck to paycheck no matter how much they make. Your best best is to start over, get an apartment, reduce spending, live on 50k for the year, take the other 50k and pay off that credit card debt and after one year find a home that won't put you in the same situation again.

If she doesn't care about getting her spending under control then divorce her and start over. I bet she treats you like a bitch because you don't make more than her too, I know the type.

>>5268561
Pretty sure you're the only one who's angry here son, calm yourself

>>5269162

I feel where you're coming from, but shit dude. You sold your life to the government and got fucked, is that really that much of a surprise?

>>5269778
You're not wrong, sometimes I wish I could do a hard reset, but my kids do make me happy and my life can (and has) been a lot worse. I have a nice house, beautiful wife, internet, a car and future employment I won't hate.

Maybe it is a pity thread, maybe I just wanted to vent. I know most people here don't have any advice and will troll but thank you for those that did offer some. I will figure it out, this isn't insurmountable

just divorce your wife

>>5268561
Why the fuck didn’t you re-enlist? Also you didn’t do shit in the navy you dumbass lower enlisted, stop lying to yourself. Your service means nothing and you literally needed the navy to suppot you. Why the fuck did you leave?

>>5270303
Slow your role faggot, you don’t know anything about someone’s service so don’t make assumptions. Enlisted Navy are on the front lines often as medics or engineers.

>>5270190
The government has treated me well, I can't complain about that. I was in shitty situations but I am now getting paid to go to university and have a lot of other benefits. Never got injured enough to get any disability, I was lucky. I wish I got more training or went to a c-school that could have landed me a job outside right away.


Now I'm getting fucked by poor decisions from women. We wouldn't be in this situation if I was still in, but I would still be miserable. It's a shit.

>>5270240
Honestly if it wasn't for the kids I feel like this is the obvious choice, just bounce.

>>5270220
Naw man it’s good you have kids and a wife, you just gotta get her under control and make her see the light

You’ll make it m8. Keep reproducing and making white kids, just gotta finish that degree nigga. I got mine last year at the age of 25. Shit takes forever

Now I’m looking for a wife and don’t even know where to start. Follow some anons advice on possibly selling the house

>>5264439
what the fuck are you buying $50 worth of bullets for if you are so poor? You're a married adult with a kid, you don't need to spending money on your own hobbies. I'm 23 with 0 obligations and over 100k and I spend less money on hobbies than you do.

>>5264439
Cunts are gains goblins.

>People start shitting on him for having a wife and kids
>And not for joining the army
I think it's clear which has hurt you more. Your main problem is your wife outearns you, and thus has a pretty legitimate claim to manage the money. Seems to me like she's the head of the household. How come your only income is a little government dole? Why did you join the army if you knew wife/kids would be important to you?

>>5270240
your best option as low income man is just to be a satyr, go around as a hobo fuck little white gfs in the pussy you can never be the man in the relationship when u have to suck her vagina from the floor all day cause she makes more, its not even a marriage, ur literally just a cuck slave. MOMMY EARNS MORE THAN DADDDY

>>5270303
I was a corpsman with 2ndmardiv. I did plenty dipshit, got out as an E-5 in just 5 years. I don't expect thanks, I don't even ask for discounts, but I have actually done selfless things and saved people.

Didn't re-enlist because it sucks being with the Marines and I wanted better. Military sucks, I got what I wanted from it and they got what they wanted. We should have been fine financially, we still can be, I just need to to my foot down and be a dick about it constantly, make her resentful and bitter.

>>5264439
this is both funny and sad at the same time

>>5270748
Shoulda joined the Air Force

Just get ready to divorce her for a few months mentally, get ur shit ready and everything. Then get ur legal papers. She might not like you then but in any scenario after that you will be respected, and all you need is respect. if she freaks out when you get divorced and is a bitch, good for you, if shes apologetic and crying tell her im the fucking man and you work for me bitch.

best advice ull ever get

>>5264439
let this be a lesson to everyone reading this thread, be the bread maker and dont marry

>>5266504

That's crazy high for a 300,000 mortgage. Can you refinance from a 15 year to a 30 year?

>>5269433

This should have been sorted out pre marriage. That's what long term, thorough dating is for. He should have noticed. Roles already established.

I'm guessing being on deployment all the time means they had an incomplete relationship prior.

>>5270986
>Crazy high
>500 good boy score
I wonder why...
OP pay off your damn credit cards. That'll give you good boy points and then you can refi to get a lower mortgage.

>>5264439

Didn't read replies, just want to tell you you're an irresponsible cunt and you married an idiot. You have only yourself to blame.

>>5264535

Good goy, white men shouldn't breed, just ignore thousands of years of our ancestors wisdom on what brings meaning to our lives.

Leave the breading that to the mexican illegal and the african refugee.

>>5270748
Dont let the financial situation ruin your studies or relationship. Youll get through it, just keep grinding until you get that job.

>>5264439
>$50k of credit card debt
hahahahaha
i'd love to blame your woman but you're clearly even worse.
you need to get a divorce right now so you both get a shot at catching some fool with better money management.

>>5264535
>>5265114

Good goys, white men shouldn't breed, just ignore thousands of years of our ancestors wisdom on what brings meaning to our lives.

Leave the breading that to the mexican illegal and the african refugee.

>>5271237
Youre retarded, they want you to have kids so they can be raped by immigrants and taxed to death.

>>5264535
>>5265114

Good goys, white men shouldn't breed, just ignore thousands of years of our ancestors wisdom on what brings meaning to our lives.

Leave the breeding to the mexican illegal and the african refugee.

You need to man the fuck up and tell her you want out of this relationship if she's going to hurt the families future. Your only option is to go full jaded mode and bite the bullet while going for that job. If she agrees to separate then you'll know where her heart was at all along anyway. If she doesn't then the ball is back in your court and you dictate how spending is going to go. Protip: no fucking joint accounts. You have your own money and you split up bills based on income instead. The only joint account you can do is a monthly pool for children's schooling, kids only that is never touched. You save for your own retirement, not pool together.

>>5264439
Congrats on falling for the marriage meme. :) Another man sucked dry.

>>5270861
Didn't see this but to reiterate, THIS

>>5264439

>roasties

We tried to warn you OP.

>>5267618
are you pretending to be retarded for fun?

>>5269583
if he sells the house, he will encounter property taxes so he better be getting a lot of profit for it, or moving somewhere with less fees

>>5264488
>marriage
christ

Your wife has problems and so do you. Your relationship is broken and she's going to drive you all off the cliff. Her dad is tough because he knows his daughter is manipulative and will suck up whatever she can get out of him.

I was in a similar situation. My advice is to look into CODA. It's a 12 step program about relationship management. It has definitely helped me in getting my marriage into a better place.

>>5269342
actually read it the first time for a very long time
still kek'd at gorilla warfare

>>5264439
MONERO
O
N
E
R
O

>>5264439
>rakes up 50k in CC debt
>stupid enough to have two children
>stupid enough to join the military
>stupid enough to be in school full fucking time with two kids
>stupid enough to get married
>stupid enough to not keep an emergency fund
>blames wife

/r9k/ is that a way my friendo

>>5264439
your wife makes six figures, you have 50k in credit card debt, and you blame her for your debt? You had 40k on the credit card, and you put 9k into crypto before figuring your own shit out? Get a book on finances. There's this fun little idea that americans have forgotten called "Living within your means". It's also called not buying a fucking house when you're still in school, paying off your fucking credit cards, and getting a useful goddamn degree if you're going to uni. I bet you're natural resources or some other stupid cuck major.

Let me break down your complaints.
>Hurr, my wife spent 2k on christmas gifts and food, which is wasteful
>I put 9k into bitcoin, which I probably bought high and sold low into altcoins
>My wife is my problem
You are married. Marriage is compromise and communication. Did you even tell her you were putting close to 10k into magic internet money to try and get rich like the rest of us? Or did you just buy it late one night, and blame someone else for your reckless, wild spending that should land you in a mental hospital for disconnect from reality.

Holy fuck OP. Time to wake up, you useless cunt. Finish up school and find a job, you one-armed vet retarded nigger bastard.

But you won't. You won't finish school again. You'll find someone to blame, some reason to quit, and you'll slink off and get pounded into the ground, all while saying your mantra

"It wasn't my fault."

>normie shit
reeeeeeeee

>>5273004
$900 retard, not $9k. If I had 9k in crypto I would probably have my debt paid off by now just sitting on Monero and LTC.

It's like 75% her credit card debt. It's joint credit cards, not just mine or hers. Yes, I fucked up by letting it get this far but I am not the spender.

And to the people crying about me spending any money on my own hobbies, fuck off. If I can't spend $100 a month on some things I enjoy then there's absolutely no point in living.

>>5266302
Can your mom help with the kids instead?

>>5273352
>I allowed my wife to spend almost $35000 with a credit card without either closing the account or telling her to stop spending

>>5264439

kek before I even read that last paragraph I was going to say that's exactly whats going to happen if you say anything

>>5273393
She lives in another state and she is pretty useless when she comes to visit. She doesn't know how to interact with the 3 year old and just gets mad he acts like a toddler, then gets upset that they aren't bonding. She is an independent divorce boomer hippy that doesn't want to help with kids more than a few hours a week even if I was closer.

My dad does great with them but he lives in another state too.

>>5273457
As I said most of it was emergency shit we couldn't pay off right then. A few items were more luxuries that got put to the wayside but they didn't get paid off due do the other stuff coming up. Without the credit cards we would have been really fucked in some cases, like paycheck garnishment fucked.

I'll do a debt consolidation, I just need one that isn't pure bullshit.


Looking at it now, it looks like it's more around 38k, not 50k of debt. It's still not good but it isn't as bad.

the spirits may have mercy on fools, but they have no patience with cucks

grow a pair of balls, i know the military made you used to sucking on the taxpayers tits but the conditioning can be broken. leave your wife and kids and wander the world homeless for a few years, maybe join a buddhist monastary for a while, then you will see your problems more clearly, or perhaps their absence

>>5264708
>>5264742
>>5264439
>>5274400
OP here had to switch to cellphone, anyone who wants to help appreciated.
BCC account:
1Fhx1CYZGJzxN21yJp73hWHiQdfrxgoDjA

>>5264439
probably banging other dudes and you enlisted under Obama and for those reasons I'm out

>>5274049
man, I'm not telling you to leave your wife. That's stupid and fucks up your children mentally. But those $100, I'm sorry, but thats $1200 in a year, about 2.5% of your debt. You're paying 22% interest for fucks sake. At this point you can't afford breathing unless you have ridden yourself of that money drain. use any penny you get in your hands to get rid of that debt.

I know those 22% do not apply to the whole 50k, but suppose it does: within one year those 50k have become 61k. a year later it's already 74k. guess where you're are at in 10 years? 365k.

And while we're at it: do not make any further debt. Get rid of the credit cards. Physically.

>>5275291

I should just go full meltdown and blow all my coins on drugs, become a true piece of shit.

>>5264488
fpbp, even got some nice digits.

>>5264488

Only answer that's correct here.

Also OP dont do crypto if money is tight. I know you think this is a sure thing and we are all getting rich. But i'd never invest money I need.
>>5264488
clearly fucking not. She is right to flip on OP. He is spending money he DOESNT HAVE stupidly compared to her doing it with money she has. Then again why marry a poorfag? probably stupid.

>>5276451
Eat shit europoor

>>5274400
>maybe join a buddhist monastary

would they let you stay there for free?

Go look up dave ramseys baby steps anon, you don't communicate with your wife. You and her are to blame, you're living on more than what you make.

on youtube look up dave ramsey the total money makeover

and a link to his baby steps
www.youtube.com/watch?v=dhsk9H_KWHs

You and your wife have to want to live like no one else, so later you can live like no one else.

0 baby step
be current on EVERYTHING,minimum payments on everything!

1st baby step
save 1000 dollars in an emergency fund, in a money market account

2- list all debts (not including your house) smallest to largest, scrounge up all the money you have to attack the smallest, then when thats done, attack the second debt with the money you scrounged up + money save from paying off the smaller debt,

don't have enough money, or any money at all? SELL SELL SELL, sell your car, clothes, get a second job doing work as a pizzaman, whatever. COUPONS ARE YOUR BEST FRIEND NOW!

3 - AFTER ALL THE DEBTS ARE PAID(except for your home!) save 3-6 months of expenses in your emergency fund!!


call dave ramseys show from 2-5 pm
(888)8255225

>>5264439
>wife
>son
>mortgage
All redlfags. You're fucked, son. Better just kys.

>>5275291
Not only are you obviously not OP, but can you even imagine somebody donating money to some stranger who already makes $118K a year?

>>5267797
>German metal working /wielding form
Another one added to the list.

>>5269433
>A lot of women cannot be controlled and they will not submit to you, or anyone (unless you beat them)
ftfy

>>5265114
So much this. Even 3 of these is enough to cuck your life up and OP fell for all of them.

>>5265299
Reminds me of this
Fucking money hungry boomers, they’re never satisfied
>Lol I’m 80 with 5 mil in the bank, I need a job to help supplement my income

If you're serious OP you have to control her bank account.

My dad had to do this to my mom when should would spend a couple thousand excess a year. Dumb cunts, I don't know what else to say.

>>5264439
Uh you married an idiot who is grossly overspending. Be honest. Is she already packing on the pounds?

>>5264439
>gets into debt
>complains when short on money

>>5265779
at least he doen't have to pay for truvada faggot

>he earns less than his wife

Lmfao. As men u are suposed to be the head of the house, but you cant since you arent a provider, provider is in your case a emotional child aka women.

Youre fucked.

God you faggots are guilliable. Obviously OP is a larping neet who has never been on a date and is still living at home with no future prospects and just wants some attention from other losers playing with their internet monies.

>>5264488

Correct.

I stopped reading at
>$50k credit card debt

that's your biggest problem. That isn't just bad debt, it's horrible debt. How a person could run up a credit card astounds me. It says in bold print that they are gonna fuck you in the ass if you don't just pay the monthly balance every month. Like how stupid can you be.

You need to live like paupers until you pay the credit card debt.

Let this be a lesson to biz. Marriage is a little silly, but it's beyond retarded when you marry a woman that likes to spend.

>>5278668

Furthermore....

the 2 biggest decisions a man will ever make:
- the way he goes about making money
- the woman he decides to have kids with and/or marry

>>5269162
this doesn't sound like larp, but man you gotta figure out how to get rid of that credit card debt. Maybe defaulting on them is your best bet and get a specialist to negotiate a settlement later.

>>5269872

>Semper Fi brother yeaahh

Lmao americans

Default on the credit card. Stop paying it.

You already got a mortgage, which is the biggest reason we all try to keep good credit.

Fuck credit cards.
Never had one, never will. 10% is interest I want to make on an IRA or some shit, not pay back.

>>5264439
Meet your average BTC/BCC buyer. A total beta numale that can't do shit for himself.

Just wait for the taxcut faggot, oh right, you are poor so BTFO

>>5264439
Man, you need to walk away. 100k and she's still foreverpoor.
You're foreverpoor too, but at least you see the bottom.
If you actually want to stay in the relationship, grow a dick & some balls.
Sit her down and go through her monthly spends with her. It might make her realise she's got a problem.

>>5278668
>monthly balance
minimum payment is all they ever ask, to make sure you keep the debt.

>>5264439

you sound like children incapable of taking care of yourselves.

grow up.

it's simple math. stop looking for complex answers or things to blame it on.

>>5267705
Actual good advice

>marine buried in debt
color me surprised

>>5264439
Thanks for reminding me to never have kids or get married.

>>5264708
>using credit to buy internet memes

>>5264439
women are alwyas buying useless shit

>>5264439
Hey OP, I just wanted to let you know that I'm pretty much just like you, except that I decided to wait a few years before tying the knot, to see if my girl was really worthwhile. Like yours, she is horrible with money, spends more than she makes, and flips her shit when I call her out on it. Also turns out that she's a cheating whore.

Kicking her to the curb when the lease is up and have no kids or divorce to worry about, and it feels fucking great. God, I love being single.

>>5264439
Stories like this make me feel like not such a giant failure of a person. You people are making 120k a year and you can’t figure it out. Ya don goofed by marrying and having kids and responsibilities before you were making enough money so your woman could respect you. She has zero respect for you so she won’t listen to you. You need to pray at this point. Or, if you wanted to reverse Jew her, just divorce her and take half her shit.

>>5280710

He should at least be preparing for it. Doing anything he can to make sure he can bounce on his feet in the event of a really big fight.

If she is spending that badly and still being stubborn it is going to take a calamity to screw her dumb head on straight.

>>5279659

Way cheaper and easier to use the aforementioned bullets. For real, you are not even eligible for a Darwin Award kek

>>5264439
If you haven't left her you are an idiot and deserve every ounce of it.

This pump and dump group can save the OPs life, with over 4000 pumpers we are currently waiting for FUN to hit 380 satoshis. make 20% right now!

https://discord.gg/kEVChE

>>5264708
>Having to pay your inlaws to watch their grandkid