Hey TBM Fam. So, I think we've hit rock bottom on the budget.Hey TBM Fam. So, I think we've hit rock bottom on the budget. 1st, the wife wouldn't come around on the budget at all. (HATES THEM). After a month of following the BBP method, I got her to "try" to see my side. After 2 months of "trying", she couldn't do it any longer, and said I obsessed, and budgets are just not what we need. So she took over the finances, and I was taking a break (basically kicked off the budget). now, a month later - I just found out we opened 3 new credit cards 8 months ago, and all of them are now charged off, and in collections. Didn't even have a clue. so I didn't pay them. Now, I feel like our dream of owning a home is shot, credit bouncing back is non-existent, and have a little trust issue. I'm 41 and feel like I have to start completely over again. A major blow to the dream I had for our family. I'm probably projecting much of the blame on my wife, but it's my own fault as well, for not handling finances earlier in our marriage and helping get us in this hole. but feel completely deflated. Anyone in the group bounced back with a success story after a total collapse? Looking for a little inspiration.