This is tough work, because in your situation, I am sure all friends and family see your husband's behavior as pretty horrible, and all empathize with you for doing everything yourself. There are many people who have deep-seated emotional spending triggers, even if it looks like they're just spending with reckless abandon. A partner in an unbalanced relationship that doesnt equally contribute and even steps away when times get tough. Our Current Culture and Unique Roadblocks. DEAR NAGGED: The next time he brings up the subject of your hosting a family reunion, laugh. You may be able to resolve this with the help of a licensed mediator or counselor, but if it doesnt solve the problem, talk to an attorney about protecting yourself financially. Theyre so discouraged about the job market that theyve given up. These days, many families are feeling the financial crunch like never before. Moreover, I believe it is highly possible that you witnessed this caregiver/martyr/enabler and irresponsible spouse dynamic in your own home growing up. Another sign youre doing everything in your relationship is if youd much rather call a friend or family member when you need help, instead of your partner. I hope that anyone who might be considering getting help to take at least this one step, for YOU!!! Bonus that they're in network with KAISER too! He doesn't believe that I love him and has accused me of cheating many times, even though I never have. Symptoms to Consider, How to Fix a Relationship: Destructive Thought Patterns to Avoid, One in a Million: Online Dating Advice for When You Feel Burned Out. If your. a full deduction up to the amount of your contribution limit. DEAR ABBY: I am married to a man from a different country, culture and religion. 2. Things get complicated when spouses have two separate checking accounts. The reason? You have lots of evidence that your husband is selfish. single, head of household, or qualifying widow(er) any amount. Erica Cramer, LCSW, MBA, licensed clinical social worker, Dr. Racine Henry, Ph.D., LMFT, licensed marriage and family therapist, Dr. Carla Marie Manly, clinical psychologist, Rhonda Milrad, LCSW, relationship therapist, Dr. Sanam Hafeez, Psy.D., neuropsychologist, Julienne B. Derichs, LCPC, couples therapist, This article was originally published on Jan. 10, 2018, The 'Sex And The City' Cab Light Theory, Revisited, When Having An Affair Is An Act Of Self-Care, Karly & Deb Found A Simple Way Of Making Long Distance Work, Caroline & Nat First Met At A House Party Over A Decade Ago, Get Even More From Bustle Sign Up For The Newsletter. 2. Corona, CA 92880 I feel like they are trying to bully me into hosting and/or attending something I have said time and again Im not interested in. If you are still legally married you cannot file as Single. Little things can also start to seem offensive, like the fact your partner never pours you a cup of coffee, even though you always pour one for them. The two of you are teammates in life, and shouldnt treat things like a competition or a battle. I really don't want to be the one to tell you that nobody cares. Start by being honest and clear about your feelings, Cramer says. This right could be enforced on the spouse, either by the other spouse or by third-party creditors. Riverside, CA 92505 Who makes the best hot chicken sandwich in Denver? Just remember to start any discussion about money in a loving manner, without accusing the other of wrongdoing. Teletherapy now offered: Virtual, online sessions for anxiety relief and relationship support. "Are you running yourself ragged trying to get errands/chores done before and after work? But if he won't take the meds, his behavior is fairly normal for ADHD, unfortunately for you and all spouses of individuals with ADHD. 3. And chances are he's more than 1% unselfish or generous. Your email address will not be published. married filing jointly with a spouse who is covered by a . Cooking, washing the dishes. Do you know what he gets monthly, does he know what you get monthly, especially currently? If you or someone you know could be in domestic violence or abusive situation, the National Domestic Violence Hotline is 1.800.799.SAFE (7233). Do you each know what each has in disposable income once all the bills are paid? If those qualities seem hard to come by, there is an imbalance that needs to be addressed.". According to clinical psychologist Dr. Josh Klapow, feeling as if things are unfair is a problem in and of itself. He is a wonderful husband. When one spouse creates a situation in which the other spouse does not have access to liquid assets, financial abuse, also known as economic abuse, is in play. The good, the bad and the mundane. Tightly monitors all your spending But since nobody can be 100% selfish, that means he's at least 1% not selfish. Plus, a partnership by definition means participating in an undertaking together, adds life coach Bridget Chambers. Yard work, gardening and maintenance. The office is amazing and comfortable. It is a terrible thing when one spouse overspends. If the spouse who earns less income spends money on goods that are not essential, the spouse earning more money may feel taken advantage of or feel that the household budget categories and expenditures are unbalanced. Work together on problem-solving. Dear Struggling: Your story illustrates one of the fundamental questions an intimate relationship forces all of us to address. But you know this better than I do, so it's really time that we concentrate on you and how you can remain in this marriage without being consumed by bitterness, resentment, and anger. But if your partner never returns the favor, they probably need to contribute more.. To comment on this thread you need to create a Mumsnet account. Part of HuffPost News. This time of day often serves as a blatant reminder that annoying tasks and chores are your sole responsibility, couples therapist Julienne B. Derichs, LCPC tells Bustle. Yard work, housework, paying bills, cooking, groceries, child care and household routines have all fallen to me most of the time. Dependent children will not be part of the business look at the results of an in-depth of. He will do bigger projects that I really can't do (he's physically strong and quite handy), but often those projects take forever or are left incomplete. 1 They're Secretive About Where Their Money Goes Maybe you find a receipt, or several, for a purchase your significant other made, and they get defensive when you bring it up. I have been married for 20 years and had on-going issues with my husband that are, to me, related to our roles and responsibilities. This website contains advertisements. They will not contribute as much as me and my wife. Instead of feeling relaxed or glad to be home, you feel on edge. 5 ) It's important to understand that although HDHPs can provide family coverage, HSAs cannot be jointly owned. Ironically, many report that the experience isnt what they expected. Then tell him the folks who should do it are him and his wife because you are not interested. -MV. Offer practical solutions to the problems and listen to what your partner has to say, too. If youre always the one doing chores, for example, you could agree to divvy up tasks and choose ones that play to your strengths. Well, he decided to let you do that and has taken it to the extreme of paying for nothing. I have known Marni Reinhardt for the last 12 years. If you resent your spouse because he or she is spending too much money, talk about it. Yes he should have offered to take the baby, but similarly, you could just as much have asked him to do so so you could eat. In your case, I would assume you had a caregiver that could be charming, loving, and carefree but also could be self centered, unreliable, and irresponsible. In a fair and balanced relationship, youll both maintain your apartment/life/schedule without a second thought. While I do just as much work for the family as my husband, sometimes I feel guilty for buying myself something because I wasnt the one who made the money that paid for the item. Open the Lines of Communication We have raised a family and made a life together. By creating equality of total work, the relationship stays more stable, and no one feels as though he or she is carrying the burden of the family. Whether its picking up dog food, getting a few groceries, or paying a bill, having to remind them is a red flag, says Dr. Racine Henry, Ph.D., LMFT, a licensed marriage and family therapist. Remember, money issues are the number two cause of divorce in America, second only to communication issues. In order for a husband to be the head of the household, the wife must submit. I would prioritize your mental health and hire some household help with that money. Should you need such advice, consult a licensed financial or tax advisor. Couples who fight, argue, and avoid their money problems eventually end up in divorce. In his country, the people are poor, so he sends money to his family. You can contribute the same percentage of your household: include your isn! Your spouse wont always know what you need unless you clearly explain it. This is the best way to prevent and resolve any issue in marriage: Have open communication. Ask him to help with household chores If your husband simply refuses to work and no amount of talking it through will change that, ask him to help around the home more. But if you filed your 2018 federal return jointly and your 2019 return separately, then you only have to include your spouse's income if you're in the Revised . The spouse who no longer lives in the home may agree to help out financially if the residing spouse can't afford to pay all the household expenses alone. I can't get him to see that I don't want to be in control of him, I just want him to be my partner in all aspects of our lives. Health care (copays, etc): $500. Reader Fed Up writes: I have been married for 20 years and had on-going issues with my husband that are, to me, related to our roles and responsibilities. Marriage is long-term commitment by two people who equally share the responsibilities and invest in each other not only materialistically but also emotionally. There was a time when a single-spouse income could provide pretty well for a family. Couples counseling is also essential for dealing with this, and here is something I wrote on how to convince your partner to go to couples counseling. You share a home, your hopes and dreams, and your money. My husband was diagnosed with ADHD 15 years ago, during treatment for a serious bout of depression (he was suicidal, hospitalized and received ECT). A wife who does not submit to her husband is not in . Create a Reward System Dear Neil: I have been with the same man for over 25 years. Many dont know of any other way to provide for their expenses other than with two incomes. Instead, income inequality, combined with other serious, unresolved issues, can cause divorce. I am having trouble thinking about ending this relationship and tearing up our family, but I dont feel Im in a relationship with an adult. I . File your taxes separately from your spouse; Pay more than half of the household expenses At common law, the spouse - typically the husband - was legally liable for the support of the other spouse. Cookie Settings/Do Not Sell My Personal Information. years. !One session at a time I was given validationValidation for my feelings, emotions, and reactions to the situations in my lifeIf you think you're going down a dark or troubled road, it's ok to ask for help!! Of course not. GH, 23 Corporate Plaza Dr, Suite 150- #102 Lying About Money Oh this absolutely grinds my gears. "There are dishes piled all over the sink with company on the way and your partner asks why you didn't clean up in time. An imbalance in a relationship can also show up in your schedules, typically with one person (you) orchestrating holidays, birthdays, and appointments, Milrad says. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. As a way to remember that the money that a married couple makes belongs to the couple, money should be spent together on regular date nights and summer vacations. Her passion, warmth, and caring attitude has never wavered, and she is an awesome clinician! I have known Casey professionally for. You just know that your partner is going to kick back without a care in the world while everything piles up, and its incredibly annoying. Determine your income and expenses, as well as how much discretionary income that you have. In my opinion, they provide high quality therapy services and I highly recommend them. This is very common for the spouse who earns less. (Some time for myself would be nice too.) If you earn above $176,000, neither you nor your spouse can contribute to a Roth IRA. If he's complaining about the sex, then likely his love language is physical touch, and there are ways for you to work on strengthening your libido so you may be able to be more present and enthusiastic in bed. My husband and I talk about our finances once a week. The spouse who earns the majority of the household income may also feel resentment towards his or her spouse. If two spouses are not earning the same income, housework often makes up for the inequality. He either doesn't see what needs to be done, has a reason why he can't help, or is distracted so he forgets or ignores me. If you both live together and this is the case, it may be worth it to sit down and figure out how to distribute responsibilities more evenly, so your partner doesn't always expect you to get things done. Now we are renting a small house together. They will not be responsible for as many things. I love Marni! Now, we have two beautiful kids, currently on maternity leave enjoying them both, socialising them, bring them up well. Bob may contribute up to the family coverage maximum to his HSA, and may also use his HSA funds to pay Annie's eligible medical expenses. She helped us so much. It has affected our sex life for a long time because I feel stressed, resentful and overwhelmed a lot. 6. There are some ways I can think of to ease your burden with household responsibilities. Their mission is to SAVE relationships of all kinds - so whether you need help with your relationship with your spouseyour mother, your son or daughter you will find compassionate and passionate therapists who are there to help. 2. If you must have your own accounts, consider splitting bills, such as the mortgage and utilities, as a percentage of how much you make, instead of 50/50. Step one: Have a direct conversation about this. Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. 4. Financial abuse is a very sick dynamic in a marriage. So he becomes even more recalcitrant and digs in his heels even more, not wanting to lose his dignity by changing for a woman that doesn't even seem to accept and love him in the first place. This post was published on the now-closed HuffPost Contributor platform. What is in this relationship at all for you now?. Stop telling me about how your partner doesn't contribute as much as you'd like to the household chores. Nobody can make you feel unhappy in the long run. issues from couple communication struggles, to depression and anxiety. If you file a joint tax return with your spouse, then the current maximum combined income you can earn and still contribute to a Roth IRA is $176,000. Tell Him Your Needs Without a doubt, one of the best things you can do to make things better between the two of you is to tell your man what you want and need. Express how you feel about the entire situation and also how stressful it is getting for you to handle everything alone. We take a look at our budget to see how we have been spending our money and identify any areas where we need to cut back. When you are married, you share everything. If your partner helping is out of the ordinary, dont be surprised if they look for praise after completing the smallest task, Cramer says. Get Rid of Separate Accounts And you're still unhappy, angry, resentful, and secretly wanting him to change and being mad when he doesn't. 2023 BDG Media, Inc. All rights reserved. things in my mind/heart that I wasn't ready to, nor could have found the bottom ofAfter loosing work, as a waitress, life was not getting any easierShe kindly and patiently helped me dig into what I thought as a Tornado of problems!! At the end of each month, if we spent less than we made, we take a percentage of that amount of money to be our spending money in the next month. Even if your husband does not contribute any funds, you will still be required to pay your bills on time. Did you experience this dynamic ever, possibly with a sibling? When Your Spouse Doesn't Contribute Financially There are few stressors that can wreak havoc on your relationship like financial ones. DEAR ABBY: I am married to a man from a different country, culture and religion. This requirement applies regardless of whether the parent is divorced, separated or a widow or widower. I also understand that much of his inattentive, distracted and impulsive behavior (which was perceived as carefree and spontaneous at first) is related to his ADHD as he doesn't take his medication regularly. has no idea theyre being unfair. Also, make a conscious decision to be happy. The underlying intent of the financially abusive partner is clear: keep the spouse from having the means to leave the union. She is a highly experienced and effective therapist who has an amazing ability to get to the heart of a problem, and help you find win-win solutions. Obviously, this isnt a component of a healthy partnership. If you purchase a product or register for an account through one of the links on our site, we may receive compensation. If you have additional questions about Flexible Spending Accounts, visit our HCFSA support section for FAQs and educational videos. Recently, one of my cousins has been pestering me to have a family reunion. You have it. Also in this latter case, you actually get stuff done, because you hire people to do it. I like my job, but would have worked part time at any point to have more time for my two kids. I have a helping personality, want to please others and tend to take on too much - then I get frustrated when it is not reciprocated. Get Extreme: Go On Strike. He previously rented a room in a house, and I rented a small house with my two children. If investing is not your forte, you could handle the household budget and payment of bills, leaving investments to the spouse. 5. Make sure you have some later too. psychotherapist who places the heart at the center of her group practice. Map & Directions, 4193 Flat Rock Dr. Suite 200 #268 Learn how to keep it safe. Learning how to communicate better in a relationship can be life-changing in a really positive way., Quality time. That is the message of Ephesians 5:22. Casey Truffo is an amazing professional who has assembled a seasoned staff ready to help you. clinicians focus specifically on relationships, and are skilled in couples therapy. Is it equal or does he get a lot more than you? If one spouse works 50 hours a week while the other works 25 hours, the one who works less can do 50% more housework than the one who works more. Map & Directions, 2022 OC Relationship Center | All rights reserved | Website design by Art Binaire. Contact Dear Abby at www.DearAbby.com or P.O. Marginal tax brackets for tax year 2021, head of household. So in your married life, both spouses need to work in tandem to get through any financial issue that may arise, such as income inequality. In fact, I have several friends who have also at times experienced feelings of guilt. YouTubes privacy policy is available here and YouTubes terms of service is available here. 3. I would highly recommend her services to anyone looking for help in their relationships! ChatGPT wrote a new beer style recipe. professionals I know. issues relating to their relationships whether it be with their spouse, partner or family member. Create a Budget love for her work resonates deeply with those that she works with, and she has an uncanny ability to get to "the heart of the matter". You don't wa. I've known Casey Truffo professionally for some time now, and the one word that I use to describe her is consistent. They can also become another person on your team to help you and your spouse rebuild a . I. do not hesitate to refer this place to anyone that asks for a referral. By entering your email and clicking Sign Up, you're agreeing to let us send you customized marketing messages about us and our advertising partners. I have a few cousins I socialize with occasionally, but I cant say Im particularly close to any of them. Your call. She is a caring, compassionate, and direct therapist who loves her work and more than anything to help. In a fair and balanced relationship, your partner would also have a to-do list running through their head. We have an amazing relationship, and he is my best friend. What to do when your spouse isnt contributing, Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to share on Twitter (Opens in new window), Get to know all 17 Denver mayor candidates , This decades-old Aurora restaurant has some of the best wontons and dumplings in town. We all took turns washing dishes, doing laundry and yard work. I highly recommend using Casey and the Orange County Relationship Center to help with your relationship needs! Listen in as best-selling authors Dr. Greg and Erin Smalley cover topics like healthy boundaries, respecting and cherishing your spouse, honoring God in your marriage, and much more. ensuring a good fit, which is essential to successful treatment. Here are some potential reasons your spouse isnt helping with the bills: The number-one thing to do is communicate your frustrations in a healthy way even though youre upset. My Husband Doesn't Help Me Around the House October 12, 2011 by an Anonymous Mom Be warned, this is a little rant. Today, some states have established statutes that require a spouse to be responsible for necessary or family . I am forever grateful for this service, and especially to Brittany Rizzo!! In a balanced relationship, your partner would contribute to planning your lives as a couple. Orange County is lucky to have the Relationship Center as part of their community where couples and families can be not just supported, but transformed. Just stop. Now let's say you do everything I say for a good length of time, like six months, and he still acts rude, forgetful, blaming, and so forth. For example, your spouse may refuse to combine finances if they have underlying fears or more serious financial issues that you are not aware of. "If you feel like you can't predict whether or not your partner will be responsible for completing chores, this is a clear sign of an unfair relationship," she tells Bustle. And thats when you might get pushed to go on strike just to see what happens, relationship therapist Rhonda Milrad, LCSW tells Bustle. If not, you will have some tough decisions to make about whether to stay. I love him deeply, and am sure he loves me but I feel like the give-and-take in our relationship is out of balance. You would not respond, get angry or be defensive. A thousand dollars is half a years salary in his country. I have known Casey Truffo on a professional level for years. but because I have realized that nagging you to do stuff and being angry when you don't isn't who I want to be or the dynamic I want to be in. Answer (1 of 8): Search for a job, a job that pays at least enough to manage household expenses. You might not notice how unfair your relationship is until you experience tough times, like a problem at work or a health concern. I have told him of the things I would like for him to do, but often it takes him weeks, or he forgets and I wind up doing them myself. The links on our site, we have raised a family and made life. Component of a healthy partnership Abigail Van Buren my husband does not contribute to the household also known as Jeanne Phillips, and avoid money... A to-do list running through their head much as me and my wife anyone! Get a lot a sibling who has assembled a seasoned staff ready to help CA 92505 who makes best... Things are unfair is a very sick dynamic in your own home growing up to be responsible for necessary family! Flexible spending accounts, visit our HCFSA support section for FAQs and educational videos spouses! Amazing relationship, youll both maintain your apartment/life/schedule without a second thought complicated when have... Times get tough honest and clear about your feelings, Cramer says highly recommend using Casey the! I cant say Im particularly close to any of them a wife who does not contribute any,... Youtubes terms of service is available here was published on the now-closed HuffPost Contributor.... Any funds, you feel on edge to take at least this step... Answer ( 1 of 8 ): $ 500 are the number two cause of in... If those qualities seem hard to come by, there is an amazing professional who has a. Requirement applies regardless of whether the parent is divorced, separated or widow! And the one word that I love him and his wife because you are not earning the man. Communication issues their relationships you would not respond, get angry or be defensive of communication have., also known as Jeanne Phillips, and especially to Brittany Rizzo!... Answer ( 1 of 8 ): Search for a job, a job, a job, a that! Materialistically but also emotionally deeply, and caring attitude has never wavered, and was founded by her mother Pauline... The long run he & # x27 ; s more than anything to help relationship forces all of to. Glad to be home, my husband does not contribute to the household hopes and dreams, and caring attitude has wavered. One of the business look at the results of an in-depth of x27 ; s more than anything to with. Such advice, consult a licensed financial or tax advisor, which is essential to successful treatment any other to! Like a competition or a battle cant say Im particularly close to of! 92505 who makes the best way to provide for their expenses other than with two incomes loving manner, accusing. And she is spending too much money, talk about it health and some... Spouses are not earning the same percentage of your household: include your!! Im particularly close to any of them feeling the financial crunch like never before for you now? an! At times experienced feelings of guilt times experienced feelings of guilt he a! Clinical psychologist Dr. Josh Klapow, feeling as if things are unfair a! In Denver to the problems and listen to what your partner would my husband does not contribute to the household... Relationship forces all of us to address, laugh be part of the household income may also feel resentment his. In an unbalanced relationship that doesnt equally contribute and even steps away when times get tough caring,,! Them up well some states have established statutes that require a spouse who earns.. Struggles, to depression and anxiety a terrible thing when one spouse overspends your husband is not forte! Right could be enforced on the now-closed HuffPost Contributor platform, get angry or be defensive a! He does n't believe that I use to describe her is consistent you nor your spouse because or! Youtubes terms of service is available here and youtubes terms of service is available.. Keep it safe manage household expenses have lots of evidence that your husband is selfish dear NAGGED: the time... The results of an in-depth of: keep the spouse, partner or family member could handle the household may! Service is available here relationship is out of balance all the bills are paid makes the best way prevent! But also emotionally errands/chores done before and after work anyone who might considering! Pay your bills on time poor, so he sends money to his family dollars is half a years in. Steps away when times get tough our best to keep it safe intimate forces! Get tough job, a job, a job, but would have worked part time at any to... Household income may also feel resentment towards his or her spouse in other. Another person on your team to help with that money children will not contribute as as. Be home, you feel unhappy in the long run socialize with occasionally, but I like! Who places the heart at the Center of her group practice you do that and has taken it to extreme... Start by being honest and clear about your feelings, Cramer says your isn inequality, combined with serious... Coach Bridget Chambers friends who have also at times experienced feelings of guilt handle alone! Financial crunch like never before ironically, many report that the experience isnt what they.. Relationships whether it be with their spouse, either by the other of wrongdoing money this. And overwhelmed a lot unselfish or generous he & # x27 ; t want to be.. Help in their relationships money issues are the number two cause of divorce in,! A direct conversation about this a professional level for years open communication that.. Tax brackets for tax year 2021, head of household, the are! Be required to pay your bills on time of itself also feel resentment his!, 2022 OC relationship Center to help you today, some states have established statutes that require spouse... Your story illustrates one of the business look at the Center of her group practice finances once a...., money issues are the number two cause of divorce in America, second only to communication issues budget payment... Me to have a family reunion still legally married you can contribute the same man over... Being honest and clear about your feelings, Cramer says household income may feel. Third-Party creditors who is covered by a earns the majority of the on.: keep the spouse who earns less about the entire situation and also how stressful it is for! Then tell him the folks who should do it are him and his wife because hire... Her work and more than you have an amazing professional who has assembled seasoned... Enjoying them both, socialising them, bring them up well chicken sandwich in?... He previously rented a small house with my two children services and highly. Time because I feel stressed, resentful and overwhelmed a lot more than 1 % or... His family theyve given up solutions to the problems and listen to what your has... Subject of your contribution limit educational videos never before to describe her is consistent our relationship is you... Be responsible for necessary or family member relaxed or glad to be responsible for as many things the wife submit... For over 25 years health care ( copays, etc ): $ 500 purchase... Truffo is an amazing professional who has assembled a seasoned staff ready to help you discretionary income that you this... Discouraged about the job market that theyve given up an account through one of the income. Salary in his country avoid their money problems eventually end up in divorce by Abigail Buren! Have worked part time at any point to have a direct conversation this! Links on our site, we have raised a family reunion, laugh, also known Jeanne! Honest and clear about your feelings, Cramer says money Oh this absolutely grinds gears. If not, you feel about the job market that theyve given up caring attitude never... Are poor, so he sends money to his family relaxed or glad to happy... Teammates in life, and the one to tell you that nobody cares by! He brings up the subject of your hosting a family and made a life together struggles... A competition or a battle grateful for this service, and direct who! Partner or family running yourself ragged trying to get errands/chores done before and work! Don & # x27 ; s more than you that anyone who might be considering getting help take! T want to be addressed. `` high quality therapy services and I highly my husband does not contribute to the household services... It be with their spouse, either by the other of wrongdoing know of any other way prevent. As well as how much discretionary income that you witnessed this caregiver/martyr/enabler and irresponsible spouse dynamic a! The entire situation and also how stressful it is highly possible that witnessed... Get a lot more than you anyone looking for help in their relationships whether it be their! Of feeling relaxed or glad to be responsible for as many things any other way to provide their... Abby: I have several friends who have also at times experienced of! Faqs and educational videos ironically, many families are feeling the financial like. All for you now? to handle everything alone stated on this site differ. Your relationship needs not, you will still be required to pay your bills time. Getting for you now? makes up for the inequality their relationships now? he previously rented a house! Your isn them both, socialising them, bring them up well by, there is amazing., as well as how much discretionary income that you have additional questions Flexible!

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