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Berto is next Berto is in Indiana hi Berto how are you hey Randy how you doing thank you for having me sure not gonna help so my girlfriend and I were in under a little over $190,000 with the debt and [Music] we aren't married there isn't a we you haven't how much debt does she have well I have a hundred and twenty I think I have about a hundred and a hundred and fifty thousand dollars in debt you have a hundred and fifty and she has 40 yet well she's a generous woman to be dating you okay why do you have $150,000 in debt well a hundred twenty-eight of that is my house and and then the rest of that is on a car that I have okay well that's better news at least at least you didn't tell me you've got a student loan debt for a hundred and fifty with a degree in left-handed puppetry so we're making progress good it's a house and a car yeah and what's her 40 um well it's actually our forty thousand because we we I co-signed on on the vehicle that she got so she bought a $40,000 car and you co-signed on it yes okay and what's your household income so together it's about a hundred and fifty thousand okay and so you guys are walking around thinking like you're married acting like you're married violating about six different rules of relationships asking for trouble when is it you're planning to get married sometime sometime soon here and here in the next year or two okay we've been together we've been together for about three years now so I mean we we lit so what else and what's the holdup so the holdup on one getting married because you're acting like you're married you're walking around talking about wee wee wee wee wee and bought a car together $40,000 worth that you can't with your roommate and if she decides to drive that car off into the sunset into a ditch and walk away from you you know what you got a $40,000 debt and a broken heart yeah no divorce nobody no judge is gonna help you they're gonna look at you and go you made a mess no judge is gonna help you yeah get married yeah you're right either quit acting like you're married get married combine your incomes then you would have we have an income because you don't have a household income dude not under the law now you may feel like you do all your friends that are shacked up like you are may feel like you do but you don't have under the law you have a roommate and you cosign for your roommates car that she couldn't afford an expensive car that she can't afford and so it's a mess yeah so that your best shot at cleaning this mess up is as we used to say in the old days make an honest woman out of her and let's get married and now let's combine our finances combine our incomes and start to get these debts cleaned up and basically you've got two major debts that are cars is what you're telling me and then you'll work on your house a little bit later but you man you you have no idea you're walking around in a minefield and you don't even know it and you're going to step on something it's gonna go click and it ain't goin pretty for you so you really have got that you guys are gonna have to straighten up here you're gonna make you made a mess man you really have I mean I know you don't think you think I've got all weird over something that's fine but my job here is not to protect your feelings it's to protect your life and that's what I'm here for is to help you so I hope that helps this is old Dave giving you the wake-up call ringy-dingy