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So I'm 29 years old and back in 2023, after a harsh talk with my wife to manage her spending,

we made the decision to get out of debt and we achieved that.

And 2025 was going to be our year that we were house shopping and going to buy our first house.

And about a month and a half ago, I got a statement in the mail for some credit cards and found that my wife has pulled about three new credit cards and has maxed them out and we now accumulated some new debt.

She's always had a bit of a spending problem, and I thought we got through it,

and we were pretty happy being debt-free.

Just not quite sure how we have this conversation again

and how to make this stick

and beyond the journeys of being debt-free

and managing our money.

How much debt on the three cards?

From zero, we've now accumulated a little over $3,000.

Okay.

And when you said, hey, I thought we were getting out of debt and saving for a house,

and you ran up credit cards, and you knew I hated debt, and we had worked to get out of debt,

and you did this, and didn't tell me, what did she say?

Well, she's pretty embarrassed but defensive.

Her mother stole her identity at a very young age and she's never

had great finances. We've did a lot to get her out of debt from debt bills accumulated as she was

eight years old with TV utility bills, cable bills, all done by her mother.

But we did a lot to do that, and she doesn't want to end up like her mother.

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