Boyfriend is in debt

Op is a man, this is a larp to rile up you virgin incels

love the link memes. OPs faggot boyfren here. MAGA.

Typical woman

Spend that $8000 on a few vending machines.

Start by not buying a house with someone you're not married to. Go from there.

hey femanon

femanon here

pay high interest card first. then bank card. then car loan. then student loan (wtf did he go to community art college? i'd let it default hahahaha)

that's your best route. dont think about buying a house yet unless you want to pay for it twice with a huge risk of defaulting. you're obviously not good with money so....

pay that shit, THEN save 10-20k to put down on a house, your credit score should be 800+ by then and you can get the best mortgage rate.

business major and bank branch manager here.

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Stop being gay

“Little to know”

real response OP female whore....

We are on the precipice of a currency crisis and the stock and housing market are so rideulously overvalued because of criminally suppressed 0% interest rates for almost a decade now. This MUST end in economic ruin and a deflationary collapse.

A. You are both fucking retard morons if you are considering buying a home now. I convinced my mom to sell her place last year in anticipation of this, and the new owners jipped her on her offer but I said take it. So when it all collapses I'm going to write them a letter saying that we let you jew my mom on your asking price for her house because I knew housing would collapse 50% or more in the near future. GO FUCK YOURSELVES.

B. Don't worry about your husbands debt, debt is going too be extinguished sooner or later when gold is revalued much higher one day.

C. Whatever you do YOU MUST MAKE SURE that you get some gold and silver. Even just 250 ounces of silver and 5 ounces of gold will be a fucking kings random when this house of cards come falling down.

So if you are dumb and buy a home MAKE SURE YOU HAVE some gold and silver and if you play it smart and dont buy make sure you buy gold and silver also.

tfw no twink bf

Discard this opinion. Your only hope now is vending machines, or selling fart videos on the Internet. My wife makes a killing from her ass gas

Don't listen to this fucking whore OP. Listen to my response above. You fucking normie idiots buying a house are going to get so absolutely fucked.

BUY GOLD AND SILVER and you'll be protected and will flourish either way.

YOUR FUCKING CREDIT SCORE WOINT FUCKING MATTER WHEN THE DOLLAR IMPLODES AND THE CREDIT MARKET FREEZES UP.

After the deflationary collapse as little as 100 ounces of silver will buy you a home free and clear (converted it the new currency of course)

Business major DOESNT MEN SHIT. Bank manager? Fiat is going to implode. You used to be able to exchange dollars for gold and vice versa at banks. Your average bank manager doesn't even know gold is money anymore.

FDIC insurance is communist and a scam. The banks dont have enough reserves on hand to pay out in cash. Its all a fucking con and charade.

There will be an overnight gold revaluation and debt will be extinguished. How dumb are you people? The banks are going to fucking fail.

The govt being involved in the economy is not how this country was founded and it will all implode.

Kek 10/10 bait

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How could you.. how could you come on here and tell about the issues we've been having? what ever happened to keeping important matters like this between us? I feel betrayed.

sel nudes

Fart videos are 10x more lucrative than standard nudes.

r u a grul

Agreed with this. Pay off the debt in the order of higher to lower interest rates. It'll save money in the long run.

I'd be wary of getting a house until he is not carrying debt and the two of you have a good amount of cash stacked up.

I agree with this user that housing and stock are at very large risk of a correction within the next year or two. Watch housing and the stock market while paying off debt.

If there is a correction, then prices should drop massively, which will be good. Not sure about silver or gold, but having some type of physical assets as a counter to hyper inflation isn't a bad idea.

O FUCK DARLING, HOW DID YOU GET ON Jow Forums
I AM SO SORRY FOR SPENDING SO MUCH. PLEASE FORGIVE ME

Registered machine guns are excellent investments that can not go down in value.

Wait.. WTF? That's my ho. Are yo trying to tell me she's been seeing someone else and making PLANS to buy a house with them.. Fuck is going on

how long do I have to accumulate gold and silver

Tommorow at 8 by the latest

this IS a viable option.

i inherited a small chest gold and jewelry. appraised at 450k as of 2012. but anyway, THIS alex jones retard needs to crawl back in the hole he was shit out of. the banks have more reserve than you will ever possibly know of. (you know, since they own and operate 99% of the banks on the planet).

Dont listen to any of these retards.

Find what passes for a Community Development program in your area, thet will run you throufh credit counciling, and tell you EXACTLY what you need to be mortgage ready.

REPEAT DO NOT LISTEN TO ANY OF THESE RETARDS DO NOT DUMP YOUR CAPITAL WITHOUT CONSULTING A COUNSELOR.

This will cost you a few bucks for the classes, etc (150 dollars for me and my wife,) but gets you access to low/no down payment mortgages for mid/low income couples.

>t. homeowner for 3 years 3% mortgage, 1% down

Do you ever think bigger?

If the situation got as bad as you imply ( not doubting you. Just that you are blowing it up beyond reason especially with risking your decision to sell the house anticipating the fall ), if this was extreme I doubt that people will be caring about the best ways to accumulate a tangible asset that will be useful in the post crash when everyone else who didn’t prepare or were aware begin to panic. After a certain grace period in my opinion at least - if it gets as bad as you say - both crashing the economic spending activity, stimulations, and economic spendings, companies would tank.

This implies as much as one expects. Massive job layoffs, risk hedging, price re-adjustments, and reserving their buying power by shifting currency into a stable more stronger economic market in forex. Jobs lay off, people will brace - they will first wait while they figure out what the big boys plan - but once or if they realize they are fucked - the caveman reptile instincts kick in. You think they’ll give a fuck of some pieces of metal someone stored away when they starve? If they get to the point of desperation where the money they have is far far from enough or irrelevant to try and budget - well. Who knows.

This is if it gets bad bad. Personally, more boomers will be affected by it than people like me in the gen z era - sure - things could be even worse - say people can’t get money out of these banks who are sunk in mortgage and debt interest capital cash flow - so no money to pay bills, to get power, food, or a sense of security. If that happened. I wouldn’t be concerned with hoarding metals.

Well, since you're a woman you may as well just stick with him, then rinse him for alimony

do you ever hire male escorts? You're swedish right?

I dont know but its better to be early than 1 day late.

i'm italian ;)

you can't default on student loans in america you will get assraped

The reserves are fake paper money. Why do you think your investing in crypto in the first place? Because you cant "make it" anymore...unironically because gold doesn't back the currency anymore.

You both need scores over 650, and all that matters is DTI, debt to income ratio, that will define if you can or cannot get a home.

Find a community development program and get in it, there usually wait lists and they run out of money toward end of year, so get on it.

Also buy LINK.

say that again slowly with emphasis on MONEY. it's a promise note actually. You do work, sell goods or services, for a PROMISE that you can exchange that PROMISE NOTE for more goods and services.

what if i told you bartering is the only fair and inflation free "currency"?

Money and currency is a SYSTEM. It was SIMPLE... but now it's not.

i understand your concern, but your little brain needs to think bigger.

youtube.com/watch?v=krtnt191Drg

well bonjourno ;)
if you're ever in manhattan and feeling a lil lonely or like you want to adventure for a night we should meet up

People WONT be able to accumulate gold and silver after the revaluation....it will be out of reach. Think Venezuela.......had you bought say 10 ounces of gold and 250 ounces of silver 7-8 years ago before their currency crashed you'd be sitting fucking pretty relative to the rest of the population who is eating their pets and zoo animals.

Venezuelans DONT CARE about gold and silver now that it is ridiculously out of reach they care about food. Gold and silver is only valuable before the currency crash.

Example.... If you have $1,200 USD in Venezuela right now (which equals a gold ounce) you are fine. That $1,200 will go a long way. 5 years ago maybe $2,500 Venezuelan bolivars bought you an ounce of gold which roughly equaled a weeks pay in venezuela lets say....but now that 2,500$ in venezuelans bolivars buys you only 2 dozen eggs. But had to put that $2,500 into gold 5 years ago you'd be able to buy probably 1,000 dozen eggs. (the numbers aren't accurate I'm just making a point)

The population will be fucked but it wont be COMPLETELY fucked. There will be a sizable haircut. So your 100k is now only worth 40k or something. People will get poorer, but those who have gold and silver will be able to buy up assets for super cheap (Again, converted to the new currency that will probably be crypto)

this 100%. wall street has the government completely by the balls. if they turn off the easy money (i.e. raise rates too much for wall street) shelves will be empty in 3 days or less and there will be a breakdown of law and order. politicians will do whatever is asked of them to make sure this doesn't happen, even if it means completely faking everything and entering into an untrodden territory of complete fiction behind the scenes. This is what happened in 2008, we are 11 years into it now. If you STILL think there is going to be some kind of Ron Paul doomsday, you're retarded. They have demonstrated that they can centrally manage the whole thing, because as much of a dumpster fire as it is, it is less of a dumpster fire than any of the other major economies who are all doing the same thing. Bitcoin is the way out of this systemic decline, which will continue for our entire lives. The nominal price of bitcoin will continue to rise, but there will be no grand collapse, only more and more taxes.

>He actually makes a little more money than me, around 38k.
>30k + debt
Buying a house is not for you

Rather i meant to say gold and silver is only useful to you before the currency crash, because after it crashes you wont be able to accumulate any gold, not that it will matter because you'll need food.

So if you live in Venezuela right now and someone offered you 1 ounce of gold or $1,300 USD you'll take the $1,300 USD because USD is obviously still accepted and easier to transact for shit you need.

So if you have $1,200-$1,300 magically appear in your hands in venezuela it makes zero sense to buy gold now because the crash already happened.

You cant deny physics and reality. They can continue lowering rates and soon a Jimmy johns sub, chips and drink will cost 25$

Pick your poison.....Sovereign debt collapse or a currency crisis. gold and silver will save your ass either way.

Look at the prices of things bro...its getting out of control.

>pay high interest card first. then bank card. then car loan. then student loan (wtf did he go to community art college? i'd let it default hahahaha)
This dumb whore has no idea what she is talking about. Student debt isnt defaultable. You cant discharge it in bankruptcy like you can credit cards or anything else. Pay student loans off first then declare bankruptcy.

break up with him. Im sure this is the answer you were looking for.

This gal has it right

Focus on one thing at a time, make minimum payments on the rest.

38K, is that before tax?

What is that, like 22-24K after?

And he has like 12K of payments a year?

Fuuuuuuuuuu

If the 38K are after taxes it's another matter. I would advice paying off the 1500 dollar credit in one fell swoop just to get it out of the way and "get started", even if it might be a lower interest than the amex

is this thread proof that humanity is regressing as fault of women procreating with betas?

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fpbp

Take your faggotry elsewhere OP. The world sent your gay pride parade, we don't want to hear it.

first thing first, are you white and your boyfriend is black?

>calling out and taking the only joke in my post seriously

$7,600 aint SHIIIIIIIT for a student loan. but you wouldn't know anything about that would you, retard?

hence the community college art degree jab.

dumb whore lol

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FIRST OF ALL: Do not get a house with him you will fuck yourself.

Encourage him to pay off all his debt before making a fucking investment like this. You may find this pressure is enough for the two of you to break it off. Just imagine two years from now his debt spiral is affecting you and the two of you are now stuck because of the co-sign. That's the reality. Take it slow and just fill your ROTH IRA in the meantime while he pays off his debt. What does he even do that earns 38k annual manager at a big box store or worse?

I will pray for your gains.

Apply for some zero interest balance transfer cards for the amex.

Auto loan and student loans are not consumer debts. They should be thought of as long term debts and don’t have nearly the same affect on a credit score. It does affect your debt to income ratio though. Pay off the high interest credit card balances to below 30 percent utilization and increase Fico score and make more money to lower DTI and then save up extra money and buy the house without issues. They can stretch dti pretty high when buying a home. Long story short pay down credit cards first while saving more over a period of time maybe a year or two

Also don’t spend the savings on the debts because that takes years to build back up. And stop being a nosy cunt and know what your getting into before you buy a house. Get married before buying

You should unironically ask this in rebbit.

where can I find them?

thats like 5 years of debt if hes only making 38k.

I hope you’re my ex wife and you get fucked

and dont let the cunt borrow money from you. you're better off applying for a loan on your own and charging him rent if hes such a deadbeat.

>I was merely pretending to be retarded
Cope more sweetie.

Wait, so your boyfriend makes $38k, you make less, and you're buying a house? I guess it depends on where you live, but I wouldn't be buying anything that expensive on that budget. Plus, if he has 30k in debt, he may not be the type of person you want to share a house loan with.

Fpbp