September 9, 2025 • 9 mins
See omnystudio.com/listener for privacy information.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Real people realize situations. Let's dive into it.
Speaker 2 (00:03):
All right, Dear Sam. I've been married for just over
a year, and I'm facing a decision that's tearing me
up inside. My husband has a dream of starting his
own business, but because of his poor credit history, he's
asking me to take out a large loan in my name.
He says it's about building a future for our family,
that as his wife, I should support him no matter what.
(00:25):
But if the business fails, I'll be the one left
holding the debt. My credit will be destroyed and I
could end up bankrupt. I want to believe in him.
I want to be the kind of partner who stands
by her husband's ambitions. But I also can't ignore the
risk or the pressure I feel to say yes because
I'm his wife. Is it selfish to protect myself or
(00:45):
foolish to gamble everything for love and loyalty? I don't
know how to weigh my heart against my future? Sam?
Speaker 1 (00:52):
What would you do? What would I do?
Speaker 2 (00:55):
Do you?
Speaker 1 (00:55):
What would I do? Yeah? All y'all called in on
this too, especially if you ever been through I just
won't know what I would do. I don't know how
old you guys are, that's one of I don't know
the age that plays a big part too. You know
him more than me. You know his habits. You know
if he can handle this, if he can handle that,
(01:16):
what is the history like.
Speaker 2 (01:19):
Well, apparently not good ancestry.
Speaker 1 (01:22):
So on the business side, and some of y'all might disagree,
I think that you not doing it is actually helping
both of y'all. I'm just saying. I'm just saying, it's
fifty to fifty. If you feel like you want to
do it, do it. It's a risk. It's starting a
(01:43):
business is a risk. Whether you got good credit, bad credit,
it is a risk. It is okay, anything can happen,
anything can go to the left, to the right. Okay.
So again, I don't know him right to really tell
(02:04):
you what to do. You know him better than any
of us on on Facebook, here, on YouTube, you know better. Okay. Yeah,
so you you have to have a real conversation. What
do we have left? What do we have set up? Yeah,
you gotta do the what if I'm not telling you
not to? You got you that, you said me, So
(02:28):
I'm gonna tell you. Yeah, it's not easy. But if
you if this is what he wants, to do. He
will figure it out, and I get it. You want
to be there. I can tell she's very supportive. She's
very supportive. Okay, you know what I'm saying. I could tell.
I mean I could from me listening. Okay, well, but
I can hear what he said. But you know, if.
Speaker 2 (02:49):
He's not a good planner. You know, if you're opening
up a business, you got some money set to the side,
you have more than just an idea, Like give me
your money and let me execute this idea.
Speaker 1 (03:00):
What's the game plan?
Speaker 2 (03:01):
What is the game plan? I would need to know
some details. I would need to know what could happen.
But the thing is that when you're married, you get
to have two credit two separate credit files, so you
don't want to mess up both of them at the
same time.
Speaker 1 (03:16):
So you put that in some real estate. Help build him,
help build him up. So what about does he have
a does he have a business plan? I relay it
out or is this something he's just talking about he
want to go do? Like does he have an outline?
Like we're going to go here, this is the place,
this is the vision, this is what we need, and
(03:38):
this is the date on the return abc D does
he have that written down? Does he have a plan
or is this just a great idea?
Speaker 2 (03:47):
She said a dream. She ain't say a plan. He
has a dreaming his own business.
Speaker 1 (03:52):
Okay, But with the dream, you have to have a plan.
God gives everybody dreams, yes, and he drops ideas. I
always say, he drops ideas on everybody, for sure, on
all this people. But it's up to you to do it.
So if he doesn't have an outline this weekend, you
know what I was doing. I sat for a while
(04:15):
and I had to write down all these things. I
have to attack. Yes, in a certain amount of time. Yeah,
Like if you don't write the vision, you know, it's
just it's just a dream. And once the once the
emotions and the feeling of a great dream.
Speaker 2 (04:33):
Leaves and that work kick in.
Speaker 1 (04:36):
Yeah, then the work that you actually gotta do it. Like,
I don't know his work ethic. What is his work ethic?
Speaker 2 (04:42):
Like?
Speaker 1 (04:42):
Right? You know what I'm saying, Like.
Speaker 2 (04:44):
I mean, if he's not coming with a plan, then
his work ethic is not up to par. What's going
on with the credit? Why is it not? Why is
it not up to par? Is there money there?
Speaker 1 (04:55):
With their money? Then well, he can fix it again,
Like you said, what was it e Then what happened
to get that way? Things happen in life, you know,
everybody don't stay at seven eighty at seven twenty all
the time. Sometimes when things can turn and then you
gotta flip it to go. Has he been able to rebound?
If there was a case, is he on a way
to do that? Those are questions only you.
Speaker 2 (05:14):
Right, No, we don't know that's a broader conversation, because yeah,
it would definitely be some more questions.
Speaker 1 (05:21):
Yeah, you know, this economy's jacked up right now. I'm
not putting fear in you. If you want to do it,
you know, you know your man, your husband more than
we do or to anybody want to do you can
do it. Just put a plan together.
Speaker 2 (05:35):
Yes, that's not feared. That's planning. I mean I if
planning is where he lacks, then it's up to you
as his wife. I mean you you guys help each
other out. So okay, honey, if we were gonna do this,
let's go through the plan. Because everything, every business, something's
going to go wrong something, But you got to have
(05:56):
that base plan in place at least so that when
the star hits the fan, you could at least figure
out ways to recover.
Speaker 1 (06:03):
Yeah, oh yeah, all right, we do the comments section next,
and we're taking your calls right now. Help this wife out.
It sounds like she's really she really wanted to see
and be a part of making her husband's dream become
a reality. Five seven eight DROs Sam.
Speaker 3 (06:19):
So obviously he broke because.
Speaker 4 (06:21):
He need her money, her name or whatever. Oh you
broke and you got bad credit and now you got
a dream?
Speaker 3 (06:29):
Absolutely not.
Speaker 4 (06:32):
No, Now, how about how about I help you get
your credit together and then we can work together to
start a business.
Speaker 3 (06:38):
But you need to get.
Speaker 4 (06:39):
Your credit righted, take a business class. Now, you can't
just tear the family down because you got a dream.
Now you're broke and you got bad credit.
Speaker 1 (06:48):
No, no, all right, real appreciate that. Walk to the
show reality. I'll help her out, slad.
Speaker 3 (06:57):
What's happening man? You listening that topic discussion? You know,
by her saying that she's a little leiery about it
can kind of tell you a lot about what type
of brother or what type of person she's dealing with.
Because if he had that strong work ethic, I don't
(07:18):
think she would be too concerned about setting him up
in his own business. I mean, first of all, and
I know you know everybody and then ran through some
hard time. As far as credit, it's concerned and it
ain't easy to keep that credit tight. But here's the thing.
He don't even want to go and get a job
and maybe work for a year or two and then
(07:38):
start the business to prove to her that he's responsible.
You got bad credit, are you going to start a business? Exactly?
I mean, I don't understand that. That's like oxymoorron. How
you gonna start a business if you don't have good credits?
What type of business is it? So I understand that
(07:59):
she's a little myry about it. I would say, you know,
maybe she could just go ahead and lend him a
few dollars and say if he can get on his feet,
see if he can set him up elimited saying or something,
and see if that works out. Yeah, and then go
from there. But I can understand her fear as far
as that's the sern. Credit is not easy to come back, man,
And when you got good credit, you protect you, say,
(08:21):
for in, since they have a problem at the house,
he ruins her credit and they need a furnace. They
need a hot water tank.
Speaker 1 (08:27):
That's right.
Speaker 3 (08:27):
Everybody. Credit is shot. What you're gonna do.
Speaker 1 (08:31):
Now, go get another house?
Speaker 3 (08:33):
Well you know, but you still need credit for that.
Speaker 1 (08:35):
That's what I'm talking about. It but her, but her credit,
But her credit is not tied to that. Maybe you
know what I'm saying. Like you said, you can go
get this, go get that, make.
Speaker 3 (08:43):
Them moves exactly exactly.
Speaker 1 (08:46):
Having us both locked down.
Speaker 3 (08:47):
I would, yeah, I can to go get a job
or something and see how you handle he can handle that,
and then maybe revisit this question in a year or something.
Speaker 1 (08:57):
All Right, I like that?
Speaker 3 (09:00):
Yeah, all right, all right, appreciate it, thank you.
Speaker 1 (09:03):
All right, last comments before we go.
Speaker 2 (09:05):
All right now, Tiffany said, does he have a business plan?
Is the business something that makes sense and is feasible?
I would really sit down and dig into it, get
professional advice on the business, and then talk to your husband.
Does he have the drive to own and run a business?
Is there a way to start small without the loan
and revisit later?
Speaker 1 (09:26):
I love it. Yeah, again, you know him more than
we do. Yeah, but I would take all of us
pretty much said the same thing. Yeah, all of us
said the same thing. We all agree.
Speaker 2 (09:36):
Nobody trick you into being irresponsible, all right.
Real people realize situations. Let's dive into it.
Speaker 2 (00:03):
All right, Dear Sam. I've been married for just over
a year, and I'm facing a decision that's tearing me
up inside. My husband has a dream of starting his
own business, but because of his poor credit history, he's
asking me to take out a large loan in my name.
He says it's about building a future for our family,
that as his wife, I should support him no matter what.
(00:25):
But if the business fails, I'll be the one left
holding the debt. My credit will be destroyed and I
could end up bankrupt. I want to believe in him.
I want to be the kind of partner who stands
by her husband's ambitions. But I also can't ignore the
risk or the pressure I feel to say yes because
I'm his wife. Is it selfish to protect myself or
(00:45):
foolish to gamble everything for love and loyalty? I don't
know how to weigh my heart against my future? Sam?
Speaker 1 (00:52):
What would you do? What would I do?
Speaker 2 (00:55):
Do you?
Speaker 1 (00:55):
What would I do? Yeah? All y'all called in on
this too, especially if you ever been through I just
won't know what I would do. I don't know how
old you guys are, that's one of I don't know
the age that plays a big part too. You know
him more than me. You know his habits. You know
if he can handle this, if he can handle that,
(01:16):
what is the history like.
Speaker 2 (01:19):
Well, apparently not good ancestry.
Speaker 1 (01:22):
So on the business side, and some of y'all might disagree,
I think that you not doing it is actually helping
both of y'all. I'm just saying. I'm just saying, it's
fifty to fifty. If you feel like you want to
do it, do it. It's a risk. It's starting a
(01:43):
business is a risk. Whether you got good credit, bad credit,
it is a risk. It is okay, anything can happen,
anything can go to the left, to the right. Okay.
So again, I don't know him right to really tell
(02:04):
you what to do. You know him better than any
of us on on Facebook, here, on YouTube, you know better. Okay. Yeah,
so you you have to have a real conversation. What
do we have left? What do we have set up? Yeah,
you gotta do the what if I'm not telling you
not to? You got you that, you said me, So
(02:28):
I'm gonna tell you. Yeah, it's not easy. But if
you if this is what he wants, to do. He
will figure it out, and I get it. You want
to be there. I can tell she's very supportive. She's
very supportive. Okay, you know what I'm saying. I could tell.
I mean I could from me listening. Okay, well, but
I can hear what he said. But you know, if.
Speaker 2 (02:49):
He's not a good planner. You know, if you're opening
up a business, you got some money set to the side,
you have more than just an idea, Like give me
your money and let me execute this idea.
Speaker 1 (03:00):
What's the game plan?
Speaker 2 (03:01):
What is the game plan? I would need to know
some details. I would need to know what could happen.
But the thing is that when you're married, you get
to have two credit two separate credit files, so you
don't want to mess up both of them at the
same time.
Speaker 1 (03:16):
So you put that in some real estate. Help build him,
help build him up. So what about does he have
a does he have a business plan? I relay it
out or is this something he's just talking about he
want to go do? Like does he have an outline?
Like we're going to go here, this is the place,
this is the vision, this is what we need, and
(03:38):
this is the date on the return abc D does
he have that written down? Does he have a plan
or is this just a great idea?
Speaker 2 (03:47):
She said a dream. She ain't say a plan. He
has a dreaming his own business.
Speaker 1 (03:52):
Okay, But with the dream, you have to have a plan.
God gives everybody dreams, yes, and he drops ideas. I
always say, he drops ideas on everybody, for sure, on
all this people. But it's up to you to do it.
So if he doesn't have an outline this weekend, you
know what I was doing. I sat for a while
(04:15):
and I had to write down all these things. I
have to attack. Yes, in a certain amount of time. Yeah,
Like if you don't write the vision, you know, it's
just it's just a dream. And once the once the
emotions and the feeling of a great dream.
Speaker 2 (04:33):
Leaves and that work kick in.
Speaker 1 (04:36):
Yeah, then the work that you actually gotta do it. Like,
I don't know his work ethic. What is his work ethic?
Speaker 2 (04:42):
Like?
Speaker 1 (04:42):
Right? You know what I'm saying, Like.
Speaker 2 (04:44):
I mean, if he's not coming with a plan, then
his work ethic is not up to par. What's going
on with the credit? Why is it not? Why is
it not up to par? Is there money there?
Speaker 1 (04:55):
With their money? Then well, he can fix it again,
Like you said, what was it e Then what happened
to get that way? Things happen in life, you know,
everybody don't stay at seven eighty at seven twenty all
the time. Sometimes when things can turn and then you
gotta flip it to go. Has he been able to rebound?
If there was a case, is he on a way
to do that? Those are questions only you.
Speaker 2 (05:14):
Right, No, we don't know that's a broader conversation, because yeah,
it would definitely be some more questions.
Speaker 1 (05:21):
Yeah, you know, this economy's jacked up right now. I'm
not putting fear in you. If you want to do it,
you know, you know your man, your husband more than
we do or to anybody want to do you can
do it. Just put a plan together.
Speaker 2 (05:35):
Yes, that's not feared. That's planning. I mean I if
planning is where he lacks, then it's up to you
as his wife. I mean you you guys help each
other out. So okay, honey, if we were gonna do this,
let's go through the plan. Because everything, every business, something's
going to go wrong something, But you got to have
(05:56):
that base plan in place at least so that when
the star hits the fan, you could at least figure
out ways to recover.
Speaker 1 (06:03):
Yeah, oh yeah, all right, we do the comments section next,
and we're taking your calls right now. Help this wife out.
It sounds like she's really she really wanted to see
and be a part of making her husband's dream become
a reality. Five seven eight DROs Sam.
Speaker 3 (06:19):
So obviously he broke because.
Speaker 4 (06:21):
He need her money, her name or whatever. Oh you
broke and you got bad credit and now you got
a dream?
Speaker 3 (06:29):
Absolutely not.
Speaker 4 (06:32):
No, Now, how about how about I help you get
your credit together and then we can work together to
start a business.
Speaker 3 (06:38):
But you need to get.
Speaker 4 (06:39):
Your credit righted, take a business class. Now, you can't
just tear the family down because you got a dream.
Now you're broke and you got bad credit.
Speaker 1 (06:48):
No, no, all right, real appreciate that. Walk to the
show reality. I'll help her out, slad.
Speaker 3 (06:57):
What's happening man? You listening that topic discussion? You know,
by her saying that she's a little leiery about it
can kind of tell you a lot about what type
of brother or what type of person she's dealing with.
Because if he had that strong work ethic, I don't
(07:18):
think she would be too concerned about setting him up
in his own business. I mean, first of all, and
I know you know everybody and then ran through some
hard time. As far as credit, it's concerned and it
ain't easy to keep that credit tight. But here's the thing.
He don't even want to go and get a job
and maybe work for a year or two and then
(07:38):
start the business to prove to her that he's responsible.
You got bad credit, are you going to start a business? Exactly?
I mean, I don't understand that. That's like oxymoorron. How
you gonna start a business if you don't have good credits?
What type of business is it? So I understand that
(07:59):
she's a little myry about it. I would say, you know,
maybe she could just go ahead and lend him a
few dollars and say if he can get on his feet,
see if he can set him up elimited saying or something,
and see if that works out. Yeah, and then go
from there. But I can understand her fear as far
as that's the sern. Credit is not easy to come back, man,
And when you got good credit, you protect you, say,
(08:21):
for in, since they have a problem at the house,
he ruins her credit and they need a furnace. They
need a hot water tank.
Speaker 1 (08:27):
That's right.
Speaker 3 (08:27):
Everybody. Credit is shot. What you're gonna do.
Speaker 1 (08:31):
Now, go get another house?
Speaker 3 (08:33):
Well you know, but you still need credit for that.
Speaker 1 (08:35):
That's what I'm talking about. It but her, but her credit,
But her credit is not tied to that. Maybe you
know what I'm saying. Like you said, you can go
get this, go get that, make.
Speaker 3 (08:43):
Them moves exactly exactly.
Speaker 1 (08:46):
Having us both locked down.
Speaker 3 (08:47):
I would, yeah, I can to go get a job
or something and see how you handle he can handle that,
and then maybe revisit this question in a year or something.
Speaker 1 (08:57):
All Right, I like that?
Speaker 3 (09:00):
Yeah, all right, all right, appreciate it, thank you.
Speaker 1 (09:03):
All right, last comments before we go.
Speaker 2 (09:05):
All right now, Tiffany said, does he have a business plan?
Is the business something that makes sense and is feasible?
I would really sit down and dig into it, get
professional advice on the business, and then talk to your husband.
Does he have the drive to own and run a business?
Is there a way to start small without the loan
and revisit later?
Speaker 1 (09:26):
I love it. Yeah, again, you know him more than
we do. Yeah, but I would take all of us
pretty much said the same thing. Yeah, all of us
said the same thing. We all agree.
Speaker 2 (09:36):
Nobody trick you into being irresponsible, all right.
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
The Herd with Colin Cowherd
The Herd with Colin Cowherd is a thought-provoking, opinionated, and topic-driven journey through the top sports stories of the day.