Zander shops all the top-term insurance companies to save you money. Get started at zander.com.

My husband and I are getting a late start. We don't have any retirement. We don't have a house.

I'm 45. He's 51. We have debt. We want to know what we can do to catch up. He's not as gung-ho as I am, but he's

getting there. He kind of kept the debt from me, and we're trying to live correct right now in

every area possible. We have counseling we're paying for because of trauma we've been through. I'm

working three jobs. He's working too. So it's just kind of a lot right now. Okay. So it sounds like we're getting

very busy. Sounds like you guys are trying to make more money and come after this, correct?

Yes. We've been trying for the last few months. He kind of was doing it on his own. And when I kind of

found out more about it, he, like, we got kind of more aggressive about it.

What was the debt? What was the debt that he kept from you?

We have about like 30,000 debt plus the cars, so 50. And I knew we had like a little bit,

but I never knew how much. He just always told me he was taking care of it.

Yes, but what I'm asking, what was the debt?

Obviously, the cars you probably knew about, but what was the other debt that you didn't know

anything about?

We have a debt consolidation loan, and there was some credit cards.

My insurance isn't good, so we've had some medical debts.

We have IRS that we have to pay.

So it wasn't, I'm just trying to get a read on this.

It wasn't what we call financial infidelity where he was hiding all kinds of expenditures.

You just weren't paying attention, and you guys kind of got behind the eight ball and then he tried to consolidate. I'm just trying

to get an understanding of when you say, I didn't know about it, where are you guys emotionally

...