Chapter 1: What should I do if I took a pay cut for family?
Well, what was the reason for you to uproot them and take this pay cut? It was clearly a big enough reason that you guys decided to do this.
Just to keep the family together, be a little bit closer to my partner's family. They're super close.
Okay, and now you're realizing we can't sustain this financially. With our lifestyle, our bills, and our much lower income, this is stressful for us, even though we're closer to family.
Exactly.
When you moved away, how far away are you from where you guys moved? Because when you said, to go back to my job, does that mean move again to go back to the old job, or you could do something different with where you guys live now?
It's 3,000 miles away. And I was told if I go back, I'm going back by myself.
Whoa, like an ultimatum?
Yeah. Does she understand what's going on financially at all? How is she feeling? Is she stressed about it?
She knows that it's not well, but she's kind of blind to it. And she just took a different job to work less hours, too. Which isn't helping anything.
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Chapter 2: How can I combine finances with my boyfriend?
Which is a little different. I was like, man, what if something happens? We're only paying off his debt. And then I look, you know, I'm coming out behind.
That's right. There's a thousand things that could go wrong with this situation. And that's why we recommend just waiting. You'll have legal protection. You'll have the marital unity of going, all right, it is we now. It's our one account, our one pile of debt. And that is the best way. When you get to that point, you will find that it does accelerate. But now is not the time to do that.
So if and when you guys get married, combine, and we hope both of you are on your journeys and keep each other accountable. Is he on board with this plan?
Yeah, yeah. We've been kind of flirting with the idea separately, obviously, for about three years.
I think you make it a competition. You know what I mean? Absolutely.
No, that's great. That's actually a great idea because everything's a competition.
How about this? You pay yours off first. He's got to pop the question if he's serious about this.
My gosh, it determines on the... He pays his off first.
He has to pop the question.
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Chapter 5: How to manage debt in a relationship?
We were, yeah, totally.
Which is a little different. I was like, man, what if something happens? We're only paying off his debt. And then I look, you know, I'm coming out behind.
That's right. There's a thousand things that could go wrong with this situation. And that's why we recommend just waiting. You'll have legal protection. You'll have the marital unity of going, all right, it is we now. It's our one account, our one pile of debt. And that is the best way. When you get to that point, you will find that it does accelerate. But now is not the time to do that.
So if and when you guys get married, combine, and we hope both of you are on your journeys and keep each other accountable. Is he on board with this plan?
Yeah, yeah. We've been kind of flirting with the idea separately, obviously, for about three years.
I think you make it a competition. You know what I mean? Absolutely.
No, that's great. That's actually a great idea because everything's a competition.
How about this? You pay yours off first. He's got to pop the question if he's serious about this.
My gosh, it determines on the... He pays his off first.
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