Chapter 1: Should I leave an inheritance to my estranged children?
Really heartbreaking. And I do believe that the drug aspect is part of it because I think that if my kids were in my world today, They know that I would make sure their children were safe. And in my humble opinion, you can't be an active addict to be a very good parent.
I think there's truth to that. I think that's fair.
I also think it's cruel. And they know that I would do something about that.
Yeah. I mean, if you think that the kids, their kids are in danger now, I think just not only as a grandma, but as a citizen, you have a responsibility to make a phone call, right? Yes. Yes. Yes. I think it's cruel to give somebody who's struggling with heroin a big inheritance because it's going to kill it.
I agree.
It's going to kill it.
I agree.
And so how much money are we talking here?
Well, it kind of depends. I'm separated and our homes were, you know, my neighbor sold our home for 1.2 million. So mine's probably 900,000. So I'm separated in that possibility of a divorce and, And let's say down the road, a possibility of $600,000 to $800,000.
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Chapter 2: How can I help my dad with his car being sent to collections?
Okay, so let's just say we have a $40,000 car payment. He has a lease on his truck, which we never had debt before, by the way. This is all new. And then I have about $15,000 in credit cards and then a $15,000 personal loan.
And you're proud of your low mortgage because that's the saving grace in all of this. What are you doing?
You told us you're financially strapped. It's so hard to wrap our minds around, like, oh, my God. No, none of this matters. And my husband's having, yeah, okay.
None of this matters. You don't want to live in Las Vegas again. I don't know what it was about your life back then that you didn't like. Maybe you didn't like how he was in Vegas. You didn't like the heat. You didn't like the dirt. You didn't like the community. Whatever it was, it's all okay. But you have to have the courage in your marriage to say, I don't want to live in Las Vegas.
Every time a couple backs themselves into an either or situation, here's your homework assignment. Because here's what happens. You have falsely trapped yourselves. And you're either about to sell a house in a community that you love because your husband won't look for a job in San Diego. Or you're about to move to a place that is going to make you miserable.
And you're going to become somebody you don't want to be.
We both don't really want to move back, but we just kind of feel like – and he's willing to – out here, he even said, like, I'll get a job, da-da-da-da-da. What does he make from this business? It's not enough.
So what happened to this opportunity? When you say he had an opportunity to buy this business – 1.9.
What's the business?
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Chapter 6: Can I transfer my car loan to a credit card?
Chapter 7: What should I do about a financially irresponsible partner?
I mean, I don't want you to fall into the same traps because you're busy trying to help dad, so now you're in a financial bind, and we continue this generational curse. Or you keep waiting for the Lord to provide, but y'all are burying your head in the sand.
Yeah, no, definitely. And I found you guys this year, so I'm really getting to do my finances the way you guys are advised.
Okay, but step one of our plan is taking 100% ownership of the mess and not avoiding anything. Mm-hmm.
So that might be that you call the impound place and we call this a stupid tax around here. We do say that with a smile on our face. We're not calling anybody stupid, but you call them and say, I got a thousand dollars. That's all I'm paying for this thing. My dad's on fixed income. He has nothing. They will do somersaults and backflips that they got anything from you.
And tell him you already sold my dad's car. We still have the title of it. You took the car, you sold it. So for the price that you got for it, and here's a thousand bucks, this is over. Send me this in writing and I will give you a cashier's check. Period.
Okay.
And you might have to help him out there, but just get it done. And then the condo stuff, don't put your head in the sand on that because those fees are going to pile up on you too and get crazy. You're going to be in the same boat, except he's going to lose his house.
So let's take that sucker head on. So you've got some homework to do. You've got to contact them and say, hey, I need the sale price breakdown proving that this car was sold for how much. I need a fee breakdown of what everything you're charging me is for after the sale of the car was removed from that. And then you need to dispute or negotiate the balance.
Okay.
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