Dr. John Deloney

Retirement's not an age, dude. Retirement's not an age. How old is he?

Retirement's not an age, dude. Retirement's not an age. How old is he?

Retirement's not an age, dude. Retirement's not an age. How old is he?

I know, Kevin, but you're not hearing what we're saying. They need to keep working. Yeah, it's not like Michael Scott that went out and declared bankruptcy. I declare retirement. Retirement isn't just an age you get to. If y'all are looking and saying we're not scraping by, the variable you're not taking into consideration is they can't stop working then. They want to.

I know, Kevin, but you're not hearing what we're saying. They need to keep working. Yeah, it's not like Michael Scott that went out and declared bankruptcy. I declare retirement. Retirement isn't just an age you get to. If y'all are looking and saying we're not scraping by, the variable you're not taking into consideration is they can't stop working then. They want to.

I know, Kevin, but you're not hearing what we're saying. They need to keep working. Yeah, it's not like Michael Scott that went out and declared bankruptcy. I declare retirement. Retirement isn't just an age you get to. If y'all are looking and saying we're not scraping by, the variable you're not taking into consideration is they can't stop working then. They want to.

That's the world they want to have, but they don't have enough money to do that. What's their house worth?

That's the world they want to have, but they don't have enough money to do that. What's their house worth?

That's the world they want to have, but they don't have enough money to do that. What's their house worth?

So what are you asking us about your situation?

So what are you asking us about your situation?

So what are you asking us about your situation?

Dealing with reality is hard, man. Nobody wants this, but this is just where we find ourselves.

Dealing with reality is hard, man. Nobody wants this, but this is just where we find ourselves.

Dealing with reality is hard, man. Nobody wants this, but this is just where we find ourselves.

That's not where the problem lies. Here's the problem number one. You don't even know how bad this is. And until you both sit down and pull credit reports and you actually have real data in front of you, pull all three of them. And you look and see who do you owe money to. And here's why you have to do it that way because you don't trust him because he keeps lying to you.

That's not where the problem lies. Here's the problem number one. You don't even know how bad this is. And until you both sit down and pull credit reports and you actually have real data in front of you, pull all three of them. And you look and see who do you owe money to. And here's why you have to do it that way because you don't trust him because he keeps lying to you.

That's not where the problem lies. Here's the problem number one. You don't even know how bad this is. And until you both sit down and pull credit reports and you actually have real data in front of you, pull all three of them. And you look and see who do you owe money to. And here's why you have to do it that way because you don't trust him because he keeps lying to you.

He keeps telling you, no, this is it. And you find out there's a couch note. And then you find out there's another note. And here's the second problem. You tell him, hey, I'm so scared about our financial future. You know how you say those words to him? You're stupid. This plan doesn't work. Why don't you budget? You don't say those. Instead, you say, I'm scared. Instead, you say, I'm scared.

He keeps telling you, no, this is it. And you find out there's a couch note. And then you find out there's another note. And here's the second problem. You tell him, hey, I'm so scared about our financial future. You know how you say those words to him? You're stupid. This plan doesn't work. Why don't you budget? You don't say those. Instead, you say, I'm scared. Instead, you say, I'm scared.