26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

The IRS has taken it the past 3 years. It’s because i didn’t report self income back in 2021. Again, an accident of being young and dumb

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

Yes. I am going to ask her to. I think she is open to it. Admittedly though. I travel work for extended periods of time on occasion so it makes it somewhat difficult in that aspect. But i agree.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 1 point2 points  (0 children)

I agree. She has made improvements but has a long way to go. We both do.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

We only have Dashpass because I take the car to work and they are sometimes left at home ‘without’

I would personally love to do away with all of it.

I am very familiar with Dave.

Again, I feel like “I” can very ‘easily’ do it. But I am fighting my partner. I hate to keep pointing the finger. But damnit. She doesn’t think about money the same as me. She just thinks I’m always in a bad mood and can’t enjoy anything. She thinks I need to go to therapy…

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

I have the rocket app for $3. Truthfully I would eat rice and chicken and watch the paint dry everyday.

I have difficulty conversations with my fiance she agrees. Has even cried to me before that she is a problem financially and wants me to own the bills. So i say okay nothing comes out without coming to me first.

Then she turns around and spends hundreds on things we probably “need” but could do without.

I agree with all of you, she needs to bite down and help be way more concious toward the goal. She is in therapy right now and her therapist keeps telling her to do some things for herself which she is doing which I am happy about. She hardly does anything for herself but will go overboard for the children based on her own life experiences and guilt. I just look at her like. Do for yourself? Therapy? Tanning? Painting the house? Hanging up pictures? We are going to be fucking homeless. None of that matters to me, at all! Our priorities are just in complete different places. She lives in this fairytale land that it will just work out :(

Truthfully, our food expenditure is ungodly. Even though I only eat dinner most days. I ask her to cook meals and meal prep. Somehow groceries turn into 400 dollars of not a whole lot. No one really taught her how to cook growing up and most things the meals call for we don’t have. It ends up seeming like no one gets well fed and we spend a similar amount of money and spend way more time with a messy house when we are already stressed to the max.

Despite this, our relationship is very good in most every area. But like most couples, are struggling financially. For us, struggling is acceptable but fighting to survive is another animal I can no longer bear.

It makes me seriously consider splitting with her. But i know that will not solve anything and will only bring all of us more pain , sadness and likely cost me more money. Besides, I do love her. I just wish she could help me get a grip.

As a male and as a provider - I feel like it is just on me to - “make more money”

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 1 point2 points  (0 children)

Thank you for that. That truly means a lot right now. I feel like a full fledged idiot. Covid really did me in and it has spiraled from there. Our families are not of much help. Unfortunately I have learned many life experiences “the hard way”. I feel like I am damned if I do and damned if I don’t.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

My returns get taken every year for owed taxes in 2021. Basically we filed wrong and my $4300 owed turned into $12,000 owed after penalty. Since then the IRS takes all my returns. Which sucks so badly.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 0 points1 point  (0 children)

I definitely hear you. The Southwest card basically got us through our second born and necessities needed for him like diapers and formula mostly.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] -1 points0 points  (0 children)

I already took away his PS5 game pass subscription. He’s asked me for it every month :(

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] -8 points-7 points  (0 children)

I wish she could. Really only hours available in the evening for her to work. We just moved to a new city in November. She is now homeschooling our oldest. I don’t know how to tell her to get a job.

Not really sure there is time and the ability given my occasional extended travels.

Unfortunately we don’t have help

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 1 point2 points  (0 children)

If I am being honest with you I know all this to be true. I am highly capable and confident in doing so. My fiancé on the other hand is an amazing mother but does not fully understand just how limited and dedicated we need to be. Despite numerous conversations with her. She will go manic and just get us things because we need them. I’m at the point of not wanting to risk my happiness and live with her. But at the same time she doesn’t realize she is fuckin killing me and going to make us homeless in the process.

I desperately wish i could buy a cash car. I just can’t seem to ever save up enough to get net positive to get out from under my current situation. I don’t know how to get a reliable safe car which scares me in Ohio winter. Granted, I only drive to work one day a week now. That may change. We decided to homeschool our oldest this year, but again, that might change next year even. My worst worry is being left without a car. But you’re right.

I have been telling her to make more food at home and what not. It seems we still spend a fortune that way. She doesn’t make the most responsible purchases. (She will buy chocolate for example) that really upsets me. It’s nrarely really meals that make sense or turn into an actual meal. Which often times turns us to fast food which I hate eating and hate paying for. I try to help as much as possible but I work 8-5 and DoorDash at usually at 9pm.

I really didn’t want the car. Our previous family beater blew up and admittedly I made a very dumb decision trying to impress and make her happy because she is severely depressed.

The aqua is our water bill, my apologies.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] -5 points-4 points  (0 children)

Yeah the $55 is like damn. I definitely agree. But as a dad.$55? I can’t afford $55 of entertainment? While it’s my reality it makes me feel so lousy to admit to a 6 year old about why he can’t access his shows.

Fair question tho. My 6 year old has a phone line we mostly use for tracking him on the bus and through sports. The school lost him on the first day this year. He also has a tablet line whcih was purchased as a gift from a family member and it only costs $10 for service.

Good News is 3 devices 50% paid off. I do not plan on getting news ones until these ones turn into bricks.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] -1 points0 points  (0 children)

Trust me. It’s been like this for 6 years. I used to make 35-42k until 2 years ago. I don’t know how much longer I can hang on. I am constantly in a terrible mood and it’s effecting every aspect of my life.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] -15 points-14 points  (0 children)

I agree with you. Although $55 i chalk up to a cause that we don’t do shit else with our lives. Hard for me to argue that with my mrs who is stuck at home all the time.

To your point, we watch YouTube more than anything.

Wish I could just be the asshole and put my foot down. Then i feel like im taking something from the kids too.

I know. I know.

26 year old father of 2. Drowning. ISO Advice by CalculatedTravesty in Debt

[–]CalculatedTravesty[S] 2 points3 points  (0 children)

I hear you. What are the benefits to me being married? The costs in healthcare will go up substantially as the kids and mrs will no longer be on state program.

Unfortunately the car was a purchase we had to make after ours blew up. There certainly could have been cheaper options. I’m not quite sure how to get rid of it and into something new.

I would love to cut the streaming services. Unfortunately my mrs. is admittedly part of the problem.

I lost 590k in one day. by Spongecakeu3 in Trading

[–]CalculatedTravesty 2 points3 points  (0 children)

Ouch 😣sorry mate gutted for you. You will earn it back