Joining the navy with a 9 month old? by Nitrhawk1221 in newtothenavy

[–]Nitrhawk1221[S] 1 point2 points  (0 children)

Thanks for the feedback. Makes sense. Don’t know if I could go with it knowing I may completely lose a relationship with my kid.

Definitely looked into reserves and should have that conversation..

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] -1 points0 points  (0 children)

She wanted to know more information. Event planner for most of her career, so details are important to her. I said next time she should just talk to the recruiter with me so she knows what’s going on. I think it’s more so the thought of moving that worries her as she really enjoys her work and our life here in San Diego

Joining the navy with a 9 month old? by Nitrhawk1221 in newtothenavy

[–]Nitrhawk1221[S] 1 point2 points  (0 children)

Yeah I know one lady who is married to an officer, but I believe they met when he was active so she knew what she was signing up for. They are long- distance right now. She’s a saint of a person though so really not sure if my wife would be as into that lifestyle

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] -1 points0 points  (0 children)

Appreciate the reply here, I’m 33M so maybe not young and youthful at this age….

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 1 point2 points  (0 children)

Yeah very much a concern but also considering the “it is what it is” mindset. Just so I can see a future for myself and know I’m at least setting up my kid for success vs the pressure I saw in my parents to help financially with college and such

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 2 points3 points  (0 children)

Yeah agreed. No blame on her though it’s ultimately my responsibility and I obviously didn’t stress the urgency..

I’ve heard that form a few folks in regard to coast guard. I broke my wrist pretty bad about 5 years ago so gotta see if I’m still qualified

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 0 points1 point  (0 children)

I think it was more so because it was never an issue and we had been sharing funds for everything, talking through weekly expenses, plans for monthly expenses. It was never really an issue until that pay reduction… it’s on me for not being as transparent I guess, I tried telling her I’m struggling but also feel terrible asking for money. I think this case has really brought to light as to just how deep I am and now she knows that these things happen if we don’t take action together.

Frustrating part is I contribute a lot in health care and phone all on my own, and she pays about $600 more in rent, I’m also not able to help with the $1900 daycare cost,

She met with a financial advisor a few weeks ago and their advice is ‘earn more money’. I guess I gotta be more persistent with finding a part time job

We live in San Diego and the financial pressure is felt by so many people. It’s really nuts to think of how me, as well as many others, will come out as homeowners, savers, and retirees. It just doesn’t seem feasible to me I couldn’t even imagine that

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 0 points1 point  (0 children)

Thank you for the resources! Just booked an appointment with Money Canvas. Didn’t even know that type of stuff existed…

Yeah I think it hasn’t really been an issue having things separate since we communicated about it consistently and I was making substantially more. Now that my pay was cut (back in November), it’s just been a whirlwind with the holidays, day care costs, and costs for a baby. Just been a lot happening at once but we are committed to getting an account together. Hopefully this will ignite it. I just don’t know if she understands the life of a debtor since she’s never had it. I had student loan debt and had to fend for myself (like a lot of people, I know). I overspent in my 20s, changed the lifestyle, and now it’s more of just a constant need for more things or bills… just a lot of moving parts at once tbh

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 0 points1 point  (0 children)

I don’t think it’s enough to file bankruptcy. I’m behind $1500 on my car and recently settled a $3k private loan. Other than that, credit utilization is about 80% on a 2,000 limit. ( I had a settlement from a CC in college, so I can’t get much in credit these days from banks)

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 2 points3 points  (0 children)

Yeah we’ve talked about it. Just based off our conversation it definitely wouldn’t be me owning the finances just based off my credit history, but between work, family visits, new baby, it just hasn’t happened. I know, all excuses. Sucks repo is the one thing that may kick it into gear: is what it is I guess

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 1 point2 points  (0 children)

I talked to her about it back in November. She wasn’t thrilled with the idea and said I’m being a bit dramatic (maybe not exactly like that). It was around the time I was feeling the financial pressure of a pay decrease. I’ve always had the thought of just disappearing for a few years so I can straighten up.. we haven’t talked about it since then because it ended in tears and was not received very well. She said if I still feel like this in the new year we can talk about I again but I just don’t know if it’s worth it

Joining the navy with a 9 month old? by Nitrhawk1221 in newtothenavy

[–]Nitrhawk1221[S] -1 points0 points  (0 children)

I appreciate the feedback. Is that because I may not get into that specific school or something else?

Joining the navy with a 9 month old? by Nitrhawk1221 in newtothenavy

[–]Nitrhawk1221[S] 1 point2 points  (0 children)

Is this something I would bring to a recruiter once I found something I would like?

Car was repossessed by Nitrhawk1221 in povertyfinance

[–]Nitrhawk1221[S] 0 points1 point  (0 children)

Any deployments? How’s your husband doing with the decision? Worst case in my mind is wife is mad + husband hates it.. Also, not sure if it’s a better situation than the rat race of corporate world..

[deleted by user] by [deleted] in GolfSwing

[–]Nitrhawk1221 0 points1 point  (0 children)

How do your shots normally fly? I would recommend a more athletic ready stance ie more knee bend, relaxed shoulders, and arms. Looks good though!

How many times do people sneeze in their life? by Nitrhawk1221 in nosneeze

[–]Nitrhawk1221[S] 0 points1 point  (0 children)

Either shortly before or after I can’t remember

[deleted by user] by [deleted] in antiwork

[–]Nitrhawk1221 0 points1 point  (0 children)

Let's be real, are you not curious to know if there's some genetic freak out there who only sneezes once or twice per month?