63-Years of ADDICTIONS: A Financial Disaster
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- Опубліковано 11 лип 2024
- 🔥Meet Diana, a 63-year-old facing financial distress due to her multiple addictions. As she nears the end of her financial reserves but expects new funds soon, this video explores strategies Diana can adopt to manage her finances better and turn her life around, because she needs it!
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🕒TIMESTAMPS🕒
0:00 PARTY STARTS
01:20 WHAT THE HECK IS GOING ON?
05:51 FIRST TROUBLES
07:46 INCOME & ASSETS
10:05 THINGS GET INTERESTING!
15:00 FAMILY MONEY
19:42 EXPENSES & DEBT
26:38 AWFUL CREDIT SCORE
31:00 SHE PAYS FOR NOTHING!
37:15 WHERE THE HECK DO YOU SPEND MONEY?
40:00 MONEY CASE
42:22 WHAT CAN SHE DO?
47:43 CASH STRATEGY
52:10 INCOME SPLIT
1:00:00 YOU ARE DONE!
1:01:45 DID SHE TAKE ACTION?
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Disclaimer: Please be aware that this video and all other content produced by Romain Faure are not intended to serve as investment guidance or formal financial advice. The information presented is solely for entertainment and educational objectives. The money displayed in our video podcast is for entertainment purposes only and is not real currency. All cash shown is prop money, and should not be mistaken for genuine legal tender. Please enjoy our content responsibly!
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"You are at an age of experience but you still have the behaviors of a teenage person" What a respectful but direct way to address this guest's spending habits. I really appreciate your approach with the guests Romain, it is very refreshing on this platform :)
I dont have any nice things to say about Diana, but I'll say that Romain is a very patient man
That's very well said 😅
She is her own biggest fan - but look at her face. Huge bags under her eyes & she acts like she is on something….🫤
I say this respectfully; this lady seems intoxicated.
I agree.
I honestly think that is just the way Diana is
@@itsRomainFaureagreed…. If she takes any kind of depression meds that can cause what appears to be intoxication.
She’s drunk on delusion.
Maybe Diana could get a part time job as a buyer. She can work from home and spend money buying stuff for some organisation, that will give her the dopamine that she needs.
Romain even when a client is infuriating you never lose your kindness and compassion. I hope this lady receives therapy. If she still has her health, her life could be so much more fulfilling.
I think she really needs to let that man go instead of trying to prey on his assets and account for herself instead of hoping someone else (her soon to be ''ex-husband'') will account for her after she deliberately screws him over. At 63, this is an alarmingly low level of maturity.
Her plan literally relies on her mom dying or husband accepting a divorce
or her son and his girlfriend supporting her in NZ
Romain, this has to be your worst guest ever. Money hungry, broke, living with her mom and spending everything on cosmetic surgery because she thinks she’s an actress. Diana, give it up girl, get a job.
Yup
Wow, she is very cunning. Yet with her addictions, she will always be broke if she does not fix her ways.
You can divorce without your spouse accepting it. But he's not going to pay for her gas and insurance when she takes half his pension. And Mom will eventually die anyways, but maybe she won't have any money left. I don't understand why Romain isn't encouraging her to get some kind of part time job to supplement her income now.
She IS NOT a caretaker for her mother. She is living off her mother.
Horrifying
She wants to travel but will take care of her mother?
And she hates every minute of it! How she said that she feels trapped, my heart goes out to her poor mother.
Amen. I am a caregiver for my 98 yo mom with dementia and I have not had a vacation since 2019. THAT is what most family caregivers experience. Loss of income and loss of freedom. Happily my mom is worth it and I choose to do it because she was/is a wonderful mother/
@@renatep.7566its probably why her ex and mother get along lol
I hope her ex sees this and cuts ties straight away. She doesn't deserve one cent from him.
What a horrible woman.
Diana does not need a financial advisor. She needs a spiritual awakening. She's a 14 year old girl in arrested development. I just want to ask her, 'Diana. Level with me. What happened to you?' 😞
This woman divorced her husband 15 years ago still calls him her husband and is waiting for him to retire to be entitled to half his pension lmao a lot wrong with this one
@@TcPTheclanProject They're not divorced, they're separated. Technically, he is still her husband.
Why not both? I say this because for years I considered my financial life as separate from my spiritual/emotional lives and it wasn't until I integrated them that I was able to begin to repair my financial life. I feel like it all works together. Though as I type and think about my own path with recovery from addiction, perhaps that spiritual awakening really did need to come first. Who knows.... thanks for giving me something to think about.
@@haute03 she literally said she was gonna wait for him to retire to follow through with the rest of the steps, technically yes still her husband but still disgusting doesn’t deserve any of that retirement
I hate to say but she's in for a rude awakening! 🫨
News flash, this lady needs her elderly mother more than her elderly mother needs her. Careful who you marry, they could financially devastate you for eternity.
Whatever she gets as far as the pension, sale of the home, or inheritance, it’ll be gone within 12-24 months, guaranteed. I’ve never seen someone that age be so irresponsible and delusional
This lady reminds me of my 28 year old sister. Sister has never worked, and she is NOT special needs. Sister has over $150k in student debt without a diploma/degree ... she uses the money to travel. Sister lives with our 63 year old mother, mother pays all the expenses. Sister inherited about $80k when our dad died and pissed it away in about a year on trips.
There’s legality, and then there is morality. I will leave it at that. Great job as always Romain.
I do hear your thoughts
My family lawyer friend has always said “there’s no justice in the justice system”
Romain - please out her in touch with debtors anonymous. If she really wants to change, that’s a great place to start. Also, much respect to you for your patience and the plan you gave her.
I hope the soon to be ex-husband sees this video. Poor guy! He should have gotten divorced 15 years ago instead of being just separated it. This lady wants everything.
I always appreciate how kind, empathetic, and professional you are with your guests. Excited to watch this one!!
Thank you Emile, I hope you enjoy this one, it definitely is a bit controversial :)
She is trying to fill a hole in her soul with stuff (shopping) and, previously, food.
Agree, she goes from excess of one thing to another ( food, alcohol, shopping)
Indeed🎉
yes indeed
$5,500 she’s ripping her own mother off. This is so incredibly wrong and sad af!!!!!!!!!!
Best comment. 👍
Can we please give love and prayer's to this ladys husband 😭
YES . Sounds like a wonderful man. Terrible how she takes advantage of him and plans to take half of his retirement on top of it all
And the 92 year old mother
“I rather you have $78,000 in your checking account, than 78,000 miles.” 😂 Romain, I spit out my drink when you said that 😂
Magic ... well nightmare actually :(
This lady really drank the 'airline miles' Kool aid 😂😂. She would rather have airline miles than actual money.
She wouldn't lose the Alaska Miles that she has already earned by canceling her credit card. She just won't have an excuse to spend money to earn more miles.
@@lorijharman-runyan6433 you're missing the point. The fact that she is fixated on airline miles when she has no retirement savings at 62 years old and her grand strategy is to take her husband's pension is comical.
@rustyshackleford9450 just wanted to say I love your screen tag.
This woman is disgusting! I hope she doesn't get a penny from her husbands pension! Romain you have the patience of a Saint! Keep up the great work!!!!
All the debt, zero savings at retirement age and she’s getting Botox 😭
Yes ... it shouldn't be a priority for sure
Prob trying to snag some man to leach off
@Crazybatladyx don't see it happening
She is too old for that. Unless she finds a man that is 20 years her senior.@@Crazybatladyx
It's not working.
Leave that man Pension alone. I lost all respect for her
Same here. Terrible
He is watching this video and next week will change his identity and move to a country with no US extradition treaty.
A pension is just like a house. Has to be split between a divorced couple. She is not being greety on that, it's her civil right.
@@Bianca-yt7pd a pension is given of the hard work of a person. Hey word a PERSON. People rely on their pension to survive at a young age. A pension should not be shared unless a person request it
@@Bianca-yt7pdbut another one with no mercy. Spend every penny that isn’t in a secure asset and then take 1/2 of what is. “Don’t be selfish, give it all to me.” You’re just as despicable. Taking everything from someone should not be a RETIREMENT PLAN!!
I hope she doesn't get a penny of her husband's pension this is ridiculous.
She definitely seems entitled. However, if she put her career on hold to raise their kids, his retirement savings were supposed to support both of them. I think she should have gone back to work instead of trying to have an acting career in her later 40s, and she'd probably still be married. It feels icky that she's counting on his pension when she hasn't put forward the effort to save anything for herself. But technically that's how marital assets work.
@@pfifltrigg I agree the law will likely give her a piece as it is a marital asset and additionally this guy has set himself up for failure after working his entire life and being a seemingly solid guy still providing for her and her mother. He added 15 years to the pain; a common pension is 2% of average 3 years pay per year in service so he added ~30% and 15 years worth of raises to the marital asset mix vs getting it sorted out in 2009. She is also likely going to blow her mom's inheritance (it's not much ~$66k I think and I could see it being gone in
It's community property- he would also be entitled to half of her pension and assets made during the marriage, now if she spent all of it then there is nothing to give - they never actually got divorced and just let it ride so doubt it may even happen at this point honestly. As an attorney- I've seen the judge try to be fair and simply deduct what she's taken from his share of her pension etc. but they won't want to leave one party destitute and rely on the state you didn't cut your spouse off legally, you didn't make any concrete moves - so most likely she will have some support - he's also continued to support her financially, unfortunately that will be used against him
I hope her ex husband listens to this episode and takes whatever action he can to protect himself. This is why you should not get married to anyone without a prenup.
No half of a married couple should be entitled to the other ones' pension if they refuse to work/save once their children are no longer in the house.
Romaine, there are some times you have to just admit you’re out of your depth and I think you did that quite well here. You cannot help her, she needs intensive therapy & self work more than anything. Thank you to both of you for sharing her story but she needs to get help.
Yes, she needs therapy ASAP😮
Shr doesn't want help. She's like a child in an adult body.
As a 53 year old who has really struggled with finances my entire life, I have a great deal of compassion for Diana. It is incredibly difficult to shift these ways of thinking that get us into financial trouble. I wish her the best.
And Romain, I really appreciate and respect your efforts to treat your guests with compassion and dignity. There is so much shame that accompanies financial problems, and your calm and understanding here really reminds us that your guests are human beings who deserve to be treated with respect.
I appreciate your comment, thank you!
@@itsRomainFaure anytime!
Diane must be completely depleted, navigating the world like she does. You showed immense compassion and expertise in addressing her terribly sad situation. Each episode I’ve seen of yours inspires me to be a better human being.
Im 63yo & have had addiction issues- last one is gambling (started 4 years ago)- lost a ton in stock market doing risky shit & black jack- managed not to loose house...but 50k in debt- was retired but started working again- so much guilt & shame... but am willing to be a big girl & get me out of this mess!! Ugh! Don't gamble people!
You're not alone. Please try to shake off the feelings of shame and guilt. It's all in the past now, and you're working and making things right. Be kind to yourself.
Look for Tim Fletcher on youtube. You will understand the root cause of your addictions and heal from it. Good luck, it is not your fault.
Did you go after your husband pension 😂
You’re an amazing person to be able to take responsibility and do what is necessary to get back on the right track. 👏
@@jordandowland7256 thanks - doesnt feel that way when i have to leave my dog @ 7:30 am and break her little heart- but yes, for many decades i blamed everyone else- not anymore- i can't believe how impulsive & stupid i was- did i mention i bought a bead shop for 100k the February before covid for 100k - put 209k into it(everyone said slow down) & closed last July- i feel so stupid- but im actually kinda smart lol- i just dont want to be eating cat food- hey, I definitely would buy a tiny home too of a pimped out van rv but that can be very taxing on knew life i bet- ill stop writing now! Oh & i'd ❤️ to go on yhe show & get some help & hope (?)-🤷♀️🥳
The patience you have Romain is legendary.
I appreciate your kind words - I just try to remain neutral and objective 😊
Caleb Hammer dodged a bullet
He would have a heart attack or stroke lol
Ticket-quitos!!!!!!!!!!!
😂😂😂
@@Crazybatladyx both simultaneously
This is her real unspoken plan.
1. Divorce husband and take him for all he has
2. Live hot girl summer and find a new richer husband
3. Repeat
Exactly . Any good sane man out there BEWARE
Ok who plays the part of "hot girl"?
Not a lot of rich guys are interesting in marrying a 63 year old woman so I hope she’s got a backup plan
Hence the face work.
@@karingarrett7862 The realness is so real in your comment, it is Realception
Cannot work as she is the only person to look after 93yr old mum - but can go to NZ to stay with son & gf? Hmmm...
Right!? 🐂 💩
She’s a USER
I hate to say it cause I don’t want spread negativity but this woman will never change. She’s not going to magically change her mindset at 63. I think it’s too late for her.
She is drinking her money away. She needs help with her mental health. Her whole family is suffering for sure. Wouldn't surprise me if her son was running away to Australia.
Wow this was painful to watch! She really needs a total mindset change . . .not just about money. She seems to lack a sense of responsibility and self reliance. Her willingness to leach off others is troubling. I sincerely hope she takes your advice Romain. You are so patient! Love your channel!❤
Not all stories are easy to follow and we are working with individuals who for the most part find themselves in difficult situations ... I appreciate you trusted me with your time on this video :)
Man, as a woman myself, I am so frustrated about how some of us freeload off of spousal entitlements from a divorce. Why should her husband pay for her mistakes?
I think in this case it’s somewhat fair since she took care of the kids and comes from a different time. Her focus was on motherhood and not work. That’s what worries me about these tradwife trends. This generation of women should not have their children and just focus on work since it will be seen as freeloading. Working and being a mother causes too much stress.
@@caitlynclinewrites. Or there is a baby boomer lady like me whose exhusband couldn’t keep a job so I went back to finish college & made the big income to keep my family in a nice home, neighborhood & kids in activities. Not all women get to be stay at home mothers.😟
@@caitlynclinewrites. Trust me - working when you have babies & small kids - is difficult. I have seen more than one woman break down sobbing when they have to leave their newborn with a daycare. Kids need their moms - especially when they are tiny. Women do give up a lot staying at home - usually their retirement investment suffers big time - even social security amount is less when they spend 5 to 12 years having children.
Thats not fair. You dont know her story. She worked, was wife and mother. Its possible her well to do husband was having affairs or left her for a trophy. People develop these addictions for reasons. Who are you to judge what you dont know?
it can get even worse than that. A former friend of my mother (that friend is in her late 50's now...) divorced her husband, took an apartment away from it (that is literally right atop of his!) and right after the divorce was through, moved in there, hooked up with a dude half her age and f*cked him on a regular in that apartment. Her ex-husband literally saw him come and go, heard them while they were at it, etc... Another friend found out from her husband, confronted her about it and she just went ''I'm just getting what I missed out on!'' Everyone cut ties with her after that and she came crawling up saying that ''Everyone is so rude to her, hurts her feelings'' and whatnot... As if that's not what she was doing, all along.
Some people just refuse to learn anything between Kindergarten and their grave, sadly.
I went slack jawed when she explained how she was financing the New Zealand trip. The scariest thing about this woman is she thinks she's really clever. She hasn't made money since the last millennium but she's still spending. Her husband is supporting her but she wants more. Her mother is housing her but she wants more. She gets less likable the longer she talks. There's no way her husband could get screwed worse in a divorce than he is currently. She doesn't know how good she has it; no expenses and she's still in debt.
Thank you for bringing in an older guest. Such great reminder and deterrent for younger ones to be mindful of needs vs wants.
I know Diana is there for financial counseling but she really needs some kind of mental counseling. Seems like she’s spending money and wanting to relive her younger years that she either didn’t get to do or missed doing.
From her story, her husband seems well-off and even her mother isn’t doing too bad either as her mother has more money than Diana. Her husband seems to be an awesome man to still continue to be involved in her mother’s life and I’m glad he gives the money to her mother instead of Diana as she’ll probably spend it on frivolous things.
Diana, please seek psychological counseling.
Romain, just FYI, you always make me laugh even in very tough situations 😂 You’re firm without being disrespectful.
I appreciate the fact that even in the most difficult situations I still give you a smile :) Thank you for being so loyal to the channel :)
I think this is the first EP where Romain finally has an actually crazy in the brain guest.
I did wonder if she had dementia, but she is quick with answers and rationalisations for what SHE wants, so it's really a simple case of self interest and indulgence.
This is kind of a mean comment, no? I’m sure the guests read comments. I don’t understand why people would say things that are mean 🤔.
@@Randompotatoes-qs7bm You're on the internet. How you feel is out of my hands. 🤷
This was just painful.
Cosmetic surgery at 62 and a trip to New Zealand to go to a fantasy park. She lost me at that point. Hopeless. Also, it is okay to say "I cannot help you. Your plan is unrealistic."
I hear you - I did plant a seed, time will tell if it grows :)
@@itsRomainFaureYes, a seed planted on barren soil. Update us of her progress.
You are so wonderful Romain
This episode made me a huge fan is this channel. The amount of empathy and sanity provided towards Dianna was amazing.
Did I hear that right, she talked her mom into sharing a $5500 a month apt so that she (not her mother) could take advantage of the amenities and now doesn't contribute to the rent?
I can't confirm or deny ... I don't have full context but it is true that originally Diana seemed to be interested in the activities available yes
I heard $550 a month - is it $5.500 a month?😮
@@cassianaphillips3665 yes, unfortunately, yes.
@@cassianaphillips3665 Yes, because it is an assisted living facility.
@@cassianaphillips3665where is an apartment with amenities only $550?
$3000 to get a free ~$300 flight… that makes sense 🫠
Don't forget the interest on that 3k.
@@susanalexander4683oof
Girl math
@@Justmylukcit totally annoys me how many women are so clueless. I get that women are socialised to be ditzy and dependent, but not growing up and facing real issues and responsibilities gets on my nerves - I've tried helping women with some advice, but so many just keep laughing about their dire situation and no savings for retirement.
Not that some men are all that mature and sensible either!
As crazy as this story is, it is more common than you think. They all have their own twist of this story. Credit card companies place a long line of dollar bills going to the edge of a cliff (financial death) and people keep going off that edge. The line of people standing in line goes on for miles. If you are in the line step out of that line and move into the line of financial freedom. Keep up the great work!
Interesting way to picturing it!
I wonder sometimes if it should be illegal, if only to make people get some personal accountability for their choices in life rather than lining the pockets of some fat cats at the misery or others.
@ForwardLooking832 people need to stop acquiring more credit cards if they are just maxing them out. They can read a finacial book or look up bookkeeping, budgeting, investing etc on UA-cam. It can't be the government making everything illegal. The govt is making money( not as much a they should) from corporations.
😡😡😡 She got her mom into an expensive rent!! what the hell.
Shameful. Taking advantage of her own elderly mother
I’m wondering what she plans to do when her mother inevitably passes…she won’t be able to afford rent anywhere
@@shannonlarsuel3278 good point.
She will have some money but not for long
That $200K her mom has in savings isn’t going to last long if she’s got her paying $66K a year in rent
@@TonyCox1351The mother probably has enough with SS and pension to cover all or most of the rent. Plus Diana’s husband gives the mother $1500 a month, though Diana likely takes most of that.
I think it's not just rent, it's a retirement place so includes meals.
"I had a credit card"
Romain: (NO*).....
LOL
😊
New Romain video! Immediate thumbs up can't wait to watch!
You're the best!
I’m getting to the “spousal support” part with her still wanting to go for half his pension and I am getting very frustrated, Romain 😅
She seems incredibly selfish. She gouges from her ex husband and her own mother (housing) for her own benefit. She is wrong on so many levels and fails to see it.
I understand her being due some of his retirement *if* while they were together they agreed they'd both live off his retirement in their old age, and she wasn't building her own retirement.
But the fact that he's still taking care of her, even separated, there's no way she's due 50%.
She's a grown up teenager.
It’s unfortunate that she’s essentially a 63 year old girl. At this point in the game I’m unsure if she’ll be able to mature, she’s still just waiting on things to bail her out, but has yet to actually work on her flaws to prevent from repeating the same cycle that got her in this predicament to begin with.
This pisses me off. I work, I try to be responsible etc and people like this don’t give a Damn, screw around then they get bailed out by my hard earned tax dollars. Like how???? No remorse noting. Getting botax???
I can understand your frustration ...
She’s not getting bailed out. She’s headed toward homelessness and it won’t be very long.
Wait how is your tax dollars bailing her out. She's only receiving her SS which she PAID for herself. The ones bailing her out are her mother and husband
I don’t look at it with this mindset because you can never win. I just view my tax dollars as going to fixing the roads and helping kids (of which I have none) and animal shelters, etc. Sure it all gets spread out..but you’ll drive yourself crazy if you think like this.
That income for her age terrifies me. Fix her, Romain!
Romain becoming unhinged during this conversation giving me @Calebhammer vibes. Wild stuff 😂
@@carlah2167 that’s a stretch lol 😆
Bro it's kinda cringe you're sucking up so hard
@@carlah2167 Caleb would have really flipped out lol! I admire Romain for his restraint lol
@@carlah2167 I honestly think he's just matching the guest's vibe here, she's quite expressive so he got up to speed with her, haha.
Romain, I love that you are patient and kind to every guest, even with the most extreme cases. Unlike some of your competitors *cough cough*, it seems that you really do want to help each guest.
Poor guy is financing her life out of good merit and she still wants to take half his pension 😢 I don’t think it’ll work 15 years after separation and financial support
I know! Some people seem to think its their entitlement to take from others while people who work hard and make sacrifices have it taken fron them. Its very frustrating and unfair
Oof
If he got a legal separation then maybe he stands a chance. But if they are legally married...she gets half of his assets and he gets half of her debt. 😮 Bummer!
I sure hope not. Hopefully karma catches her before this and somehow he catches wind of this video. What a loser!!!!!
I wonder if him currently financing her so much could be to his disadvantage in future too. I hope he reads all these comments and watches rhe video. I hope he isn't a gullible fool.
Takes a special guest to cause Romain to become unhinged 😂
Calm unhinged 😁
Romain becomes 'unhinged' with style and grace. An occassional 'Yikes', what in the heck, Sheeite! ". Especially love the facial expressions and rubbing his forehead. Funny :)
Her income is other people’s money. Any money she gets will be blown. I really feel bad for her ex husband. Just the way she proclaimed that she would get half of his pension really made my stomach turn. Then talking about getting expensive cosmetic surgery just a year ago. I’m being respectful but this woman is really really awful. I really hope her husband see this episode and go get some legal advice. Never get married without a prenup.
The problem is family court won’t leave someone destitute even if they deserve it. In family court compassion wins over justice. Whose money will they use to prevent your loser ex-spouse from being destitute? Your money. Funny how easy it is for these family court judges to be generous with other people’s money. This is why you don’t marry a loser. And if your spouse becomes a loser you need to divorce them immediately before they use the court system to exploit you
She has no consequences. Her behavior will not change with new money coming in.
Your videos feature a wider variety of guests than some other such shows. And more older persons, whom are more relatable for me. Great job! 👍
Omggg she’s playing the long game with his pension…!!? 😳
I am positive that her ex already talked to the lawyer about that, and since they have not been living together for 15 years, she won't get anything
That's why she's not divorced.
@@timmymiron2727exactly, plus where is she going to get the money to hire a lawyer to fight him.
SMH she is going to play Taxes Hold em on the ex's pension. She just wants everything her way.
As I’ve gone through rest of episode I see she is someone who likely always had someone take care of her (financially) her parents/mother and now a separated spouse. She has never learned to make, manage or save money. Actress seems like the right role as she has been living in la la land for years.
the client demonstrates some beliefs, behaviors, and thought processes which are not consistent with objective reality.. i am very impressed with Romain's ability to stay focused on the goals and gain information for the financial analysis ... but the client's future seems bleak unless she progressively seeks mental health counseling and support... this situation seems to be not unique within our society
Yet, she is planning a trip to New Zealand.
She doesn't want to change. She is happy to sponge off everyone else in her family while indulging her fun of drinking, karaoke,and travel.
She came on the show to work out how to get money for the tour component of her NZ trip.
@@sharoncollins7722 i agree with the plan to visit NZ as inappropriate within her dire financial status... BUT there are many persons that will use any means to achieve their goals (to include illegal and immoral acts) and do not experience remorse in their actions... and as these persons are unrestricted within the community then it behooves all persons to measure your situation when interacting with a person who demonstrates behavior such as the client... in essence, beware and vigilant
Romain, you are a class act! Thank you for treating people with respect, this is everything.
Although it might be easy to criticize a 63-year old person for being completely undisciplined in her behavior, I have to say that she was at least willing to come forward to seek help, exposing her financial (and other) missteps publicly. I'm SO glad she has "a couple years" before she gets a windfall from her husband and maybe from her mother's inheritance, so she can work on changing her financial management behavior before that happens. Otherwise, the windfall will make no difference, and the money will be gone in no time, leaving her in 10 years as a 73-year old with nothing (since she will no longer have her mother and husband to pay for everything). Thank you, Romain, for treating your guests with dignity no matter how difficult they may make it for you!
I can see why this is your favorite Romain! 😂 this was wild to watch. You chuckling through disbelief is exactly how I felt too! Good job on this one regardless
This one was my favorite because there was so much complexity and layers to the case. When all odds are against, and the behavior has been stuck for decades, can I make a change to what seems impossible!
Wow I felt bad for the husband. Seems like he’s a responsible guy 🥹 It would be interesting to hear his side of the story😂
Yeah, when they separated because he wasn't supportive of her acting, I was mostly on his side. Like, sure, engage in hobbies. But also get a job! He's still working so he can get his full pension and she's just coasting by expecting him to support her while she does nothing to take care of herself!
@@pfifltriggagree! She is so irresponsible and expects everyone else to support her.
She’s evil and selfish
Romain, you are so patient and kind. Diana asked for a plan, and you delivered! You offered excellent suggestions despite this very challenging situation. Your clarification of how debt collection works was well done. Debt collection and bankruptcy are often grossly misunderstood. While I have no debt, I am always encouraged to save more and more after one of your videos! Thank you for including a variety of financial audits and treating each interview with respect and reason. 🙌
I know someone like her. Encouraged her to get counseling, get a job with benefits but unfortunately she does not listen. Sad.
She doesn't know she's broken
$5,500 a month for her mom’s rent? WTF! She’s ripping her own mother off. This is so incredibly wrong and sad af!!!!!!!!!!
Her mother is in a retirement community, likely moved there years ago. This woman is mooching off her mother.
I think her mother lives in assisted living and she's living with her mother there
If her mum is in Assisted Living then she *can* leave her and go out to work, as she has support 🫤
She’s disgustingly selfish.
@@user-hc9vz7oo3w It depends on the contract.
kudos to you tackling very nicely the ethical issue of her planning to go for her husband's money. Poor guy, Your professionalism and calm is admirable. I just wanted to shake you. I wish you were doing this advise here in the UK also . Great content , you are such pro! good luck with your channel.
Diana, please consider your inheritance and pension are far from guaranteed. End of life care is sooo expensive (can be like $10k/mo or more) and your rent is heavily eating into your mom's savings as well.
Not to mention funeral costs too!
This should be shown to high school boys and titled, "Who Not To Marry."
And girls: "who not to be".
😂😂😂
I just finally caught up after a binge of all of your videos here (but also on Spotify. Loved the convenience of that!) and absolutely love your content! Your sense of empathy is amazing and I love that the format of the show emphasizes finding ways to address the guest's problems and get them out of their situations, even if it means still letting them spend some money on fun where applicable. I really appreciate having follow-ups not only as separate updates in their own videos but also within the main video before it ends. The reports on Instagram when a guest becomes debt free are incredible too. You clearly care a lot about what you're doing here and that the guests are on the right track. Keep being awesome, Romain!
Woow !! I am surprised you also found us on Spotify haha ! I really really appreciate your support 😁
If her mother is spending $5500 a month on rent it must be a retirement community.
Yes that is the case
Which makes me wonder how much she's actually taking care of her mom. She mentioned taking trips and having her husband check on her mom while she's away. Then we find out that her mom is in a retirement community and most likely paying for some kind of care there as well.
It's an assisted living facility, which is not at all what a retirement community is.
Diana seems to be in a place where she knows she needs help and a solid plan. Romaine, I think you were brilliant here with the advice about the envelopes. The envelopes give her a whole new way to visualize her money as well as the lack thereof. There may be some emotional issues here that cause the addictive behavior. She mentioned that before the spending, there was the weight issue. We never know what people have been through in their lives by many many years ago and there may be an old deep story here that she has a hard time dealing with. She may not even know what it is. But I think compassion is needed and I saw that in your consultation with her. Praying for her, she will see the reality of her needs and follow that "get well plan". Good luck Diana!!!
The government will actually pay her to be a caretaker for her mother! She should look into it
Or the health insurance …one of those but I know you can apply for pay for being a full time caregiver
I encourage you to go all the way through the video haha you are spot on :)
Maybe to get social security she can’t go over what she gets now. Taking it early limits your earnings drastically!
They live in a retirement/assisted living facility - her mother probably doesn't need a caregiver there, and possibly you can't live in it either unless you are retired- which the 62 year old is.
That's true through an agency for the elderly ❤
The 5500 rent is for an apartment in an assisted living facility. This guest does not need to take care of her mother. That is what the facility is for.
Not necessarily. If the dementia is bad, the daughter is there to direct her and take care of her. Memory care would be way more money per month if the daughter didn't live with her.
Romain! Keep hustling and keep up the excellent work!!!
I appreciate your comment - thank you
She’s playing the role of the ditsy blonde SO hard! When her mom passes, she’s going to have to beg her husband to stay with him, be homeless, or find government housing.
Ma’am… start applying now! Bc the waitlist for the poorhouse is long! She’s going to blow through whatever money her mom leaves her and hopefully the husband’s lawyer will pull this video to prove she’s been dragging her feet to get his pension
I adore your patience Romain! She made me feel icky and I would have lost my cool
She doesn't know she's been taken care of. She thinks she's a wheeler dealer future movie star.
She’s making some assumptions that may not happen if she divorces. She is not automatically entitled to half of anything, in many places. Especially if they haven’t lived together. Good luck to her. She’s definitely an example of why some parents sometimes establish a trust.
Washington is a community property state. That can be good. And that can be bad. I was responsible for my ex husbands credit card bills (that I was unaware of) that he ran up purchasing drugs with cash advances. The laws may have changed since then. He was the biggest mistake of my life.
@@user-lf2lf6wy4z Yeah, there must be more going on because he should never responsible for her debt as well. She probably had no idea what his pension is. They are never enough to support two people.
AZ is a community property state too and my divorce did not require me to pay my spouse's credit cards. It was all negotiated. The courts don't make those decisions if the parties agree on what to do with assets/debts.
This might be the video that gets ya more subscribers. This one was tough to watch, due to her attitude. You were very composed and did well!
What a hot mess. She has zero self-control and needs serious financial literacy. You have the patience of a saint, Romain! Love what you do.
I feel sorry for her, thanks for helping her out with kindness...lov ur work
What about a remote job while she takes care of her mother,
She doesn't want to work. She said she needs to be available to take care of her mother at any moment so she can't work, but she's taking trips? I'm not even a third of the way through, I'm sure it gets worse
@@tomwatson6560indeed
Because she is a moocher
You think this woman wants to work?
When I was taking care of my mother, I still kept my job. We paid someone to come in just the hours that I was at work. It came out of my mother's savings. With the mother having $200,000 she should be able to pay someone to come in and sit with her mother the hours she is at a job. That way she can still work full-time and start digging herself out of this.
Those CNAs are BIG MONEY in Seattle!!
I don't think she has an iota of interest in getting a job. She seems like a parasite to me.
This lady refuses to take any responsibility for her own selfish irresponsible choices. Her husband being a good man probably doesnt want her to end up homeless. But he too probably doesn't have much faith that she will stay on the plan and not blow through any inheritance/ and or pension she gets from her husbands pension .. and then is penniless again . I hope Im wrong and she gets it together..
She doesn't know what she spent the money on because none of it is actually her money.
Interesting point!
These are so helpful. You are the best.
Thank you so much!
She does seem a little tipsy. Perfect example of someone not taking responsibility for her choices and never grew up.
So excited to see a new video! Love your videos !
Yay! Thank you!
Fantastic episode. Thank you! 🦋
Hope you make it all the way :)
@@itsRomainFaure Yes, watching the entire great episode. Seattle area is my also my neck of the woods. so even more interesting!
I'm only about 15 minutes in, but I can't help but wonder if this woman has undiagnosed bipolar 1 disease. Not that it would excuse her behavior, but this kind of recklessness coupled with a casual relationship with reality is alarming. Part of me wants to believe it's an illness, otherwise she has a really rotten sense of values. 😐 She seems oblivious to what a cautionary tale her life has turned out to be. Very sad. Romain, you are a very good man for trying to help her with such grace and kindness.
She's mentally ill.
She acts like she's Bi-polar.
She is delusional crazy. Divorced a good man who took great care of her/mother plus taking him for everything he has and thinks she is going live like a single 20 year old...
Exactly.
Spot on
She’s a narcissist, husband is an enabler.
Well we don’t know he’s a good man, he could be acting good only because he wants that part of the inheritance…
@@Britt4880 He fooled everyone. He is coming off as the good guy, but should be paying her spouse support not in law supoort. If they would divorce the judge would put him to pay spouse support plus rent for living at the couple's home. He is taking advantage of the fact that his wife is not very bright. He pays her car insurance and give her mother in law money because that's way less than he would be required to pay if their divorce went to court, and he comes off as a generous man. The judge can make him pay back support starting from 2008. He is having such a sweet deal!
This channel should be far more popular than it is. I appreciate your genuineness and patience. It seems like you're more interested in helping these people, rather than exploiting them for views (*cough cough Caleb Hammer cough*).
First she says she can’t work even part time because she has to be there for her mother and then she talks about traveling out of the country and also spending a lot of money you going out for food and drinks with friends. 🙄
When you say it like this ... yes it is not the most optimal I agree
Is she employable? I can't imagine what she could do after decades not working. That mindset is long lost.
There was nobody in the audience who genuinely thought this woman helps her mother all day lol
@@ForwardLooking832she could work at a grocery or clothing store with no experience.
Feminism
She probably purposely didn't get divorced because she knew she was going to get his money smdh. Her husband fu**ed up on this one
He needs to stop being Mr Nice Guy - I hope he's sought legal advice and protection before now.
She will have to fight to get any of his pension. It's not automatically split in half like she says. It is up for negotiation and I'll bet the husband will win his case.
3 minutes in....I'm worried and I hope she starts to change and listen to you Romain!
30 minutes in...still very worried I hope she doesn't go to New Zealand...
Good luck Diana. You have a wonderful family supporting you.
You’ve made my day, a new video!!! I’m so happy! ❤👍🏻👏🏻
Hope you enjoyed it!
Coming to you every Monday :)
Great educational video! ❤
Thank you! Cheers!
I think Diana broke poor Romain!
Romain, I appreciate you handle this situation with patients. It was so painful to listen to this
I hear you, yes some situations are not the easiest ...
OMG!
Roman, I feel this case study is a challenge even for you.
Yes! I would say this was one of the most complex I have had the chance to work on
Great episode