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The Dr. John Delony Show

My Fiancé Hid $100K in Debt from Me

08 Dec 2025

Transcription

Chapter 1: What financial secret did the fiancé hide from his partner?

5.498 - 17.71 Renee

So I recently got engaged this summer. We've been living together for a couple of years before this. And every time I've asked him to sit down with the budget, he just kind of brushes me off like, no, we're fine. We're good. We're good.

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Chapter 2: How does the host suggest addressing financial dishonesty in relationships?

18.131 - 19.452 Unknown

How bad is it? How much does he owe?

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19.892 - 23.055 Renee

It's well over $100,000. Okay. Well over.

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29.101 - 51.439 Dr. John Delony

What's going on? What's going on? This is John with the Dr. John Deloney Show. So glad that you're with us. Pull up a seat, grab some nachos, grab something to eat, and we're going to figure out what's the next right move when it comes to your marriage, to your relationships, to your friendships, to holiday travels, to your mental and emotional health, whatever you got going on in your life.

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51.459 - 72.745 Dr. John Delony

For two decades, I've been sitting with hurting people trying to figure out what's the next right move, and that's what we're going to do today. All right. Let's talk about your marriage right now. We have February and October weekends on sale for the money in marriage getaway. It's the best marriage retreat on the planet. Tickets start at 749 bucks.

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72.785 - 83.075 Dr. John Delony

A couple get yours at Ramsey solutions.com slash getaway. Let's go out to Bismarck, North Dakota and talk to Renee. Hey Renee, what's going on?

84.196 - 84.497 Renee

Hi.

86.919 - 87.379 Dr. John Delony

How are you?

87.78 - 120.411 Renee

Um, So I recently got engaged this summer. We've been living together for a couple of years before this. And every time I've asked him to sit down with the budget, he just kind of brushes me off like, no, we're fine. We're good. We're good. We have a couple of credit cards that I am a co-signer on. And I started noticing my... credit score dip.

121.812 - 134.525 Dr. John Delony

Um, and let me, let me, let me pause right there. Let me back all the way out of this. So some people are a lot of people listening to the show. Don't know that I also co-host another show, the Ramsey show where it's a finance show. We're talking about money.

Chapter 3: What impact does social media have on personal relationships?

277.171 - 285.5 Dr. John Delony

I want you to... Part of trauma recovery is owning what I'm going to do next.

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286.421 - 286.881 Unknown

Yes.

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286.901 - 310.795 Dr. John Delony

Right? And so I want to own in this particular situation... I have let it go on for two years. And I'm not going to let it go on any longer. Yes. The deception and the dishonesty and the fantasy life, which is we're just going to ignore the realities of math. And I'm going to continue just to borrow money, buy money.

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311.396 - 315.441 Dr. John Delony

I mean, buy whatever I want or whatever I think is going to make one of these kids feel good in the moment.

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Chapter 4: How can someone break free from a social media addiction?

315.741 - 317.744 Dr. John Delony

And regardless of whether I have that money or not.

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318.745 - 319.446 Unknown

Yes.

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319.466 - 337.212 Dr. John Delony

But I also hear in your question, Let me say it this way. Rarely does someone who is completely avoiding reality in one area of their life, not doing that in other areas of their life. So where are there deeper issues of trust fracture in this relationship?

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340.397 - 343.482 Renee

He is an alcoholic.

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343.502 - 344.203 Unknown

Okay.

344.964 - 367.604 Renee

He recently went to treatment and he's, I mean, he has been working on himself as far as that goes, but I don't think that he's getting to the deep, deep reasons of why he feels the need to do... He's a people pleaser, 100% a people pleaser. He wants to make sure people feel good all the time.

367.644 - 389.8 Renee

And this is something that I have asked him to work on in therapy so that, you know, like I've said, be selfish, be, you know... work on you. You don't have to worry about the rest of us. We'll take care of us. You need to work on you. So you're the best possible version of yourself for us. But I just don't think that he's getting it.

390.02 - 407.028 Dr. John Delony

Well, and I think this is one of the cancers of the, what I would call a great landmark. I'm a part of this community, the mental health that has happened over the last 25 to 50 years. Yeah.

407.088 - 423.99 Dr. John Delony

I think it's awesome, but this is one of the cancers, which is going to figure out why I'm a people pleaser, going to figure out why I'm so desperate that everybody around me be happy doesn't excuse the fact that he's lied to your face for two years.

Chapter 5: What steps can be taken to rebuild trust after an affair?

649.81 - 649.97 Unknown

Right.

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651.119 - 676.944 Dr. John Delony

And so you giving him a map that says, regardless of how uncomfortable you feel, regardless of how tired you are, we will sit down on Sunday nights and go over the budget together for the upcoming week and a calendar. If you come home to this house and you've been drinking, you can't stay here. Like you set those boundaries up. He's the one who violated the trust.

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677.004 - 678.966 Dr. John Delony

In my world, I call it financial infidelity.

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680.245 - 681.647 Unknown

Yes, I agree with that.

681.807 - 689.539 Dr. John Delony

He cheated on you with money and he severed your attachment to safety. And let's take ownership. You allowed it to happen for two years.

690.881 - 691.662 Unknown

Yes.

691.683 - 715.704 Dr. John Delony

And so cool. I allowed this. And that's often a great way to enter into these conversations by using an I statement first. I allowed this. I asked you for budget numbers and you said it was all fine and I didn't follow up. That's on me. I'm taking 100% responsibility. And that stops today. How's that sound?

716.945 - 718.367 Renee

I like it. It sounds good.

Chapter 6: How can one navigate family dynamics after infidelity?

830.028 - 832.312 Dr. John Delony

It makes untangling that a nightmare.

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834.675 - 836.478 Dr. John Delony

And the last thing I'm going to tell you, can I tell you one more thing?

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837.26 - 837.48 Unknown

Yes.

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837.78 - 839.483 Dr. John Delony

If you're done, have the courage to leave.

843.79 - 851.803 Renee

Yes. And that is something I'm working in in therapy is how I'm feeling about things and trusting my gut.

852.884 - 877.898 Dr. John Delony

Okay. If you're done, be done. If part of you healing is having been done or at the least say that the relationship we had is officially over, I'm willing to build a new one if you are. And here's what I want that architectural and design to look like on this new building, this new marriage, this new relationship.

877.918 - 878.158 Renee

Right.

879.134 - 898.498 Dr. John Delony

And we're going to build it from the floor up and we'll try to work through it that way. But it's just, I don't want you to go through this experience, have somebody start to work through this roadmap of trust that you've created and begin ticking things off, growing. And the whole time you're like, yeah, but I'm still out. I'm still out. I'm still out. If you're out, have the courage to be out.

Chapter 7: What strategies can help in managing feelings of loneliness?

1045.145 - 1071.822 Dr. John Delony

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1074.746 - 1090.547 Dr. John Delony

I travel the country for a living, and if you've seen me on stages, if you've seen me at comedy clubs, wherever you've seen me, you've almost surely seen me wearing poncho shirts. I love my poncho shirts, and it's cold outside now, so I can wear my

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1090.527 - 1113.463 Dr. John Delony

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1113.443 - 1136.513 Dr. John Delony

Poncho shirts come in slim or regular fit, and they're built for real life. I wear them on stages, I wear them to church, and I wear them when I'm out working in the woods. They are ready for whatever life throws at them. When you're shopping for the men and boys in your life this holiday season, go to ponchooutdoors.com slash deloney and get them hooked up.

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1136.914 - 1160.843 Dr. John Delony

Sign up with your email, and you'll get $10 off your first order. And tell Poncho you heard about them right here on this show. And if you're into the social media thing, take a picture of the men in your life wearing poncho and tag me and tag poncho. Hurry right now and get your order placed to get free shipping before the holidays. That's ponchooutdoors.com slash deloney. All right, we're back.

1160.903 - 1186.486 Dr. John Delony

Hey, take two seconds and hit the subscribe button. Go into the Apple Store and download the Together app. It's my new app for married couples. It's awesome. Daily practices, one tiny step every single day. behaviors of language. What's one thing I can do to begin to love you more and more and more? And I just left a big, long meeting about the things they're adding into this app. It's amazing.

1186.506 - 1203.764 Dr. John Delony

And it's going to be a long-term thing that grows with you over the course of your marriage and gets to know you better and better. It's awesome. It's called Together by Dr. John Deloney. Go check it out. Android folks, relax. We're coming. We're just not there yet. All right, let's go out to Tampa and talk to Nicole. Hey, Nicole, what's up?

1203.784 - 1205.906 Nicole

Hi, Dr. John. Thanks for taking my call.

1205.926 - 1206.867 Dr. John Delony

Of course. What's going on?

Chapter 8: What role does self-worth play in overcoming past mistakes?

1330.219 - 1347.817 Dr. John Delony

All right. Let me, let me break in there on two things. One, if, so I liked it when someone is struggling with any sort of addictive behavior, I like to start from a place. It's not always true, but I like to start from a place of what if this addictive behavior works? What if it's actually helping you?

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1349.859 - 1373.079 Dr. John Delony

And of course, like any good addiction, it will take everything from you, but it's serving a purpose. What is it protecting you from? And often social media has taken the place of real human connections, real friends, people I call and who call you. It's a great Xanax for loneliness.

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1376.163 - 1404.743 Dr. John Delony

The second thing is I have a buddy who works in HVAC or I've got another friend who's a roofer, has a roofing company. Every day he has a hammer and a drill, but it would be nuts for him to come home and sit at his couch going with his drill or doing that at dinnertime. And so it's okay to have a job where you do a thing, unless that job becomes a moral crisis for you.

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1404.763 - 1427.664 Dr. John Delony

Like, I don't even know if I want to be a part of this system anymore. And I wrestle with that because I know the evils of social media and I've got a couple million followers. I get that too, but It's not a strange thing for me. In fact, it's important to me that I don't go home and try to be a counselor to my wife or to my kids. They need a dad. My wife needs a friend and a husband, right?

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1427.704 - 1441.682 Dr. John Delony

So both of those things can be true. But if I ask you, what is social media protecting you from? What is constant scrolling when you get home? What is that protecting you from? How would you answer that?

1443.653 - 1456.766 Nicole

I think a lot of it's the loneliness thing. And I guess for more context, I've been working remote in some hybrid positions on or off since 2018. So right now I'm currently full-time remote as well.

1457.507 - 1467.137 Dr. John Delony

Okay. Which is a cool, free-to-move-about-the-country position, and it is devastatingly lonely. Fair?

1467.157 - 1468.598 Unknown

Yeah. Yeah.

1471.345 - 1486.385 Dr. John Delony

And so what if we approach this in two ways? One, how can I keep my work tools in my toolkit for use at work? And number two, how can I solve the real challenge here, which is, how old are you?

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