Brought to you by the EveryDollar app. Start budgeting for free today. Had a talk with my husband and he thinks that he want to change his job. He's right now assistant manager in a truck company.
So it's a big load of work and stressful work talking with truck drivers, mechanics, towing trucks and everything like that. And he thinks that we need to take a car on credit and preferably online because my credit score is better than his and it will be like Toyota. So he can do Uber. He must have quit his salary job to do Uber and take out a car loan to fund this quote unquote business.
Yeah. Do you like to sum that up? He's making right now a week 1800. And his friend at work told me told him that on Uber they can make like 2000 or more a week.
So that's why he's thinking about it. No, I would not listen to this friend. Especially, especially if you're thinking about going into debt for this. Yeah, here's what's happen.
He's going to drive that car into ground and the depreciation is going to hit so hard that you guys are going to be underwater in this car within the first week. Do you guys have any debt now? Yeah, we have like 40,000. Oh, perfect.
We'll just add the pile then and pretend it doesn't exist. Okay. To be honest, but like I don't know how to tell him that. He doesn't even know what I'm calling right now.
What do you do for Opry? I'm a stay home mom. I'm having a baby one year and nine months and also be having a baby on the way. Wow, congrats.
Okay, that was definitely not the time to put our income in flux and rely on people who need rhymes. He needs to stick to it. Like maybe ask, maybe at work he can do this. Why doesn't he on the side after work go out and drive with the car he has if he wants to try it out, he cannot because he has 20 year old Lexus that doesn't have major issues with the engine.
Okay, so he cannot do it then. I think that's a great indicator that this is not the job for you. There's a lot of jobs, Bri, and this might be the way he frame it to him. I don't know how he is, but there's a lot of jobs that have prerequisites to be able to do it.
Like if you want to be in the NBA, you gotta be like 7 foot tall or you gotta Be able to like step curry and, and if you don't have that, you can't do the job. In this case if you need a brand new, you know, Lexus truck that you don't have, you can't do the job. And I think it's just as simple as that. You could go out and you know, pull all these strings and pull out a set to try to force this in but that there's no guarantee there.
Okay. And so I think that if he doesn't enjoy his job currently, that's fine. I'm all for him looking for different jobs that he enjoys more. But if I were in your shoes I would say honey, I want you to do work that you love.
But we, here's my boundaries. We can't go into debt for it. And if possible I'd like to wait until this baby is born so that we can have some solidity going through that and then once the baby is born, you know, go do your thing. Do you think he would listen?
I think you will. Like I was trying to think like logically, is it a good idea even to get a new car because like you were planning after a given birth. Of course we need more space, especially with a car. I don't have a car.
But yeah, you definitely need a new to you car. But that doesn't mean we're going to debt a car. Yeah, and you should be, you need a different car. What you don't need is another $25,000 loan on top of your 40,000 in debt.
And so what I would do if I was your issue is go, alright, we need to say I have to get a reliable car and then we're going to clean up this 40 grand of debt and we're going to. He's not going to be switching jobs, he's going to be working extra. Yeah, because you guys make seven grand a month right now. Yes.
Yeah, you guys have a fine income. And so how quickly can we have 40,000 income? I think but still be very managing to cover everything. Do you guys have a budget?
Kind of. That's a no. I'm trying to keep up but to be honest, I don't know what is going on with his credit card because basically all that we put on his credit card. So this is all of them.
This is a very. You're helping. So thank you for calling in because you're helping so many people right now. You're right.
When you're on credit cards and you know the spouse has a credit card in their wallet that's different from what the other spouse has in their wallet. It does. It makes it very hard to stick to a budget because unless that person is going to bank connect all their credit cards to the budget so you can see every transaction coming through, you're right. You have no idea what you're spending.
And it's very easy to overspend on credit cards so that at the end of the month, if you plan on paying it off. Yeah. You're spending up every bit of extra margin that you had to pay down this credit card. So that's what I found out for September.
We overspent for a thousand dollars. Yeah. Yeah, you got. You have some big conversations that you need to have, Bri.
And I'll give you three takeaways that I think the first one I already gave you, which is you need to tell him that your boundaries for him switching jobs cannot include debt. And the second thing is, it needs to happen after this baby is born. And then the third thing is you want to talk about a more transparent way of handling finances that doesn't include credit cards. Like, I want a one checking account.
We both have a debit card. We both spend the money that we have on the debit card because I am freaking out because of our debt. So those are the three things you have to tackle. Write them down and you can.
I mean, you know him better than we do, so you know the best way to kind of be tactical about that. But those are, those are your non negotiables. Do you guys, do you guys come from the same cultural background? No, like, similar.
Okay, what's his background? And I'm from Ukraine. Okay. And are you guys immigrants or you born stateside?
Here we are immigrants. Everything clear? Right. My parents were immigrants as well.
Here's what I want to remind you. You guys came here for a better life, I assume. Well, you chose to or your parents chose to. Right.
And so here's what I want to remind you. The American dream is now going to as much debt as possible to fund a fake lifestyle so that hopefully we can impress people. I don't want you guys to fall into that trap. Yeah, they say, hey, come get a credit card.
It's the American way. You love it over here. Get your credit score up, we'll give you more line of credit. Hey, we get you a brand new car.
Wouldn't that be nice? You see how insane this is? It is. And so that's what you need to convince him of.
Remind him of what he's doing on this earth. He's got a little baby, a little baby on the way. We need to take care of our family first, and that means getting out of debt and staying out of debt. That's.
That's what's going to cause some actual peace. That's going to cause a real American dream to happen. Not trying to do Uber full time with a car loan that's supposedly going to put yourself in a better financial position. I can guarantee you it's not.
He's going to be calling the show here for now saying, how do I get out of this? I'm $20,000 upside down on my car loan. So I hope that helps you with the conversation. Again, like I said, you know how to convince him better than anyone.
And I think your feelings and emotions around this should be the first thing you lead with. If he doesn't respect that you have a marriage problem. Yeah, and that's so true. This is a good indicator when you bring this to him.
If he starts flipping out or does it anyway, if he does this Uber thing anyway, your next step is. We need to get into some counseling and spend some money on that. That's the tough part. Oh, my goodness.
Oh, boy, oh, boy. So sorry you going through this break. He needs to find better friends. Dude, you gotta do Uber, man.
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