dogs, ethics, Ex, money

The road to wealth doesn’t require “rocket fuel”…

It hasn’t been the best week for finance in the United States. Bill and I don’t have a lot of wealth, but I have been diligently investing money for about ten years. While it’s not anything that would make us wealthy, it’s a tidy sum that neither of us ever thought we’d have. It’s distressing to see our stock portfolio lose value so quickly… but experience has taught me that the stocks will eventually go up again. And even if they don’t, the lower prices just mean that our money will buy more shares when the next automatic draft goes through.

I never thought a falling stock market would ever be one of my problems. I never expected to have enough money to invest. I came into our marriage with a lot of consumer debt and hefty school loans. Bill had a foreclosure and a bankruptcy, plus was paying Ex tons of child support. Meanwhile, she was denying him access to his daughters and his former stepson, for whom he was also paying support. I’ve written a lot about that situation, and how unfair it was… and how damaging and hurtful it was– to Bill, to me, and to his children. Before the divorce, Bill had enjoyed a loving relationship with his daughters and his ex stepson. Ex decided that it was better to demonize Bill than do the right thing by her children.

After the divorce, Bill was wrongly characterized as a woman-hating, cheating, abusive monster. Ex did everything she could to delete him from his children’s memories and make them hate their dad– half of their DNA that she willingly used to fertilize her ripe eggs. Once they were born and their marriage eventually disintegrated, she tried to come off as mother of the year, conveniently ignoring that she apparently has horrible taste in men… having had two failed marriages and forced her eldest three children to reject their fathers because they were “bad” people. Of course, that’s a bunch of hogwash. Ex’s first two husbands were perfectly satisfactory fathers and husbands. She’s just a liar.

Well… maybe I shouldn’t write about this… but I’m going to anyway, because it’s Sunday and I don’t have any other burning topics in mind. And because she makes me want to puke. Also, I have a feeling Alexis will get a kick out of it, and Alexis is probably my most loyal reader.

One thing I have learned over the past nineteen years of marriage is that the road to wealth doesn’t require “rocket fuel”. When I write that, I mean that the vast majority of people don’t become wealthy because they fall for a “get rich quick” scheme. According to a Yahoo! Finance article, the five steps that will lead a person to wealth are:

  1. Avoid (and Pay Down) Debt. Debt is not necessarily bad in all instances, but it is something to be avoided most of the time. …
  2. Spend Intentionally and Minimize Costs. …
  3. Invest as Much as Possible in a Diversified Portfolio. …
  4. Work on Your Career. …
  5. Find Extra Work.

One of Bill’s biggest complaints about his first marriage was that there was never enough money, even though he worked very hard. Ex had a very rigid idea of where and how she wanted to live. But she wasn’t willing to work with Bill to make it happen. So, for most of their marriage, he was the sole breadwinner. He foolishly let her handle their finances, and she spent money they didn’t have on stupid things. She did things like purchase furniture and carpeting for their “money pit” house when Bill didn’t have steady or well-paid employment. She hired people to landscape the house she decided she had to have because it looked like one she’d once seen in a snow globe. She used money she got in an accident settlement to buy truly useless crap– sometimes with the excuse that she intended to sell it on eBay once its value appreciated. One time, she even bought two cars without Bill’s input– other than his money, that is. She bought a brand new van and a Miata and delivered the Miata to Bill when he was working. She did this completely on her own, without consulting Bill.

Consequently, when I met Bill, he was the not so proud owner of several high interest, low limit credit cards, including an Aspire Card (at that time, it was a Providian Card, but it later became Aspire). Aspire, if you don’t know, is a credit card for people who have terrible credit ratings.

I have never had bad credit, but I was never in the habit of saving or investing, and I’ve never been great at making money. And graduate school was expensive, and I had to take out loans to finance it. I did have graduate assistantship positions, which knocked a lot of off the cost of my tuition. But I lived alone, and had to pay my living costs. When I finished school in 2002, which is also the year we married, I was pretty broke.

For the first few years of our marriage, Bill and I basically treaded water to keep our finances stable. But then, Bill got the call to go to Iraq, and I was left to handle the money. I decided that while he was gone, I was going to do what I could to improve our situation. I started by paying slightly more than the minimum on my student loans. It was just an extra $20 a month at first, but as time passed, I paid more. My loans were paid off in 2018, nine years ahead of time. I also paid off all of Bill’s shitty credit cards with high interest rates and low limits. A year after I did that, USAA offered to let him have a credit card again, after he lost it thanks to the bankruptcy he went through with Ex. He also qualified for a much cheaper car loan, so we refinanced our loan for the vehicle we had at the time. Then I paid it off ahead of time. I did the same with my car, which is now 13 years old and has been paid off for eight years.

Since we’ve been married, Bill has finished two master’s degrees courtesy of the Army. He does good work at his job, and is paid accordingly. We don’t worry about money anymore. I have every expectation that he will never again experience financial hardships– at least not the kind he did with Ex, which was mostly brought on by very stupid and wrong-headed financial decisions.

So what does this have to do with Ex? Well, once again, it appears that she’s trying to appear to be someone and something she’s not. Like, for instance, she’s trying to look like a responsible and caring mother. For the past few months, Ex has been announcing her intentions to get a service dog for her youngest child, who has autism and is, according to Ex, non-verbal. Service dogs are expensive, and require a lot of care. Moreover, Ex doesn’t have the greatest track record in taking care of living things like dogs… and her own children. That’s usually left up to other people, like Bill when they were married, and Bill’s older daughter now.

Every time I see her mention on social media wanting a service dog, I am reminded of the fate of the poor elderly poodle she inherited when her father died. That dog knew and loved Bill. She moved #3 into the home when Bill went back into the Army. One day, #3, who was at that time just shacking up with Ex and not yet married to her, got very angry and kicked the dog so hard that she lost an eye. Bill was told about this incident by one of the children, and I later confirmed it when I looked up #3 on Arizona’s public court page. Ex denied that it happened, but there it was, in black and white, #3’s animal cruelty charge. #3 is still married to Ex, but now she’s talking about wanting another dog in their home to be a “companion” to her teenaged son with autism.

How is Ex going to finance this goal? Does she plan to get a job? Is she paying down debts? Evidently not… according to her public social media. Instead of getting the money through practical and assured means, she’s decided to enter a sweepstakes sponsored by Rocket Mortgages. I’ve also seen her tweeting celebrities for help in reaching this goal. Now… I highly doubt that Ex will ever get her hands on a service dog. Her big ideas are usually overcome by events. I’m not sure why she’s so hot on the idea of a service dog now, anyway.

Reminds me of Publisher’s Clearing House.
“That’s what I used to think!”
Or American Family Publishers

Maybe it’s because older daughter is, perhaps, finally making some noises about leaving Ex’s home and living life on her own terms. I would love to hope that’s true, since older daughter is 30 years old and has more than done her time being Ex’s slave. Ex has already used her daughters in many ways, to include forcing them to give her the proceeds of student loans to finance her household expenses. I would love to see older daughter get out on her own. Maybe that will happen someday, but it probably won’t happen before the youngest kid is an adult.

But… to look at Ex’s social media accounts, she’s just the world’s most caring and loving mother. I don’t know how many people are buying her bullshit. I do think, however, that she has no business getting a service dog. I hope any agency considering giving her son a dog will do some research. I highly doubt she’s any better with money or relationships than she was 20 years ago. At best, the service dog will turn into just one more thing older daughter has to take care of. But if Ex happens to win, I take comfort in realizing that she’s probably more likely to spend the money on herself than buy an expensive dog for her son. That’s been her habit so far.

So ends today’s Ex related rant… And yes, I understand that it’s not my business what Ex does. Except that I am a dog lover, and it upsets me to think that an innocent dog might share a home with a man who once got so angry that he kicked an elderly poodle’s eye out… and a woman who is abusive on every possible level. That poor dog would just wind up being another slave in Ex’s wheel of discontent.

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