WEBVTT 00:06.430 --> 00:08.597 I wish you had been there packed house 00:08.597 --> 00:10.763 crowds going insane . 4th quarter last 00:10.763 --> 00:12.986 couple seconds , Marcus passed the ball 00:12.986 --> 00:15.097 to Jackson for a last minute 3.0 , it 00:15.097 --> 00:17.374 was so good . It was a thing of beauty . 00:17.374 --> 00:20.700 You would have loved . It sounds like 00:20.700 --> 00:24.340 it . But I was busy with things at home . 00:24.365 --> 00:26.476 We're trying to get Tyler ready to go 00:26.476 --> 00:28.925 back to school for the fall . He is so 00:28.925 --> 00:31.258 excited about his sophomore year . Yeah , 00:31.258 --> 00:33.592 I bet . Oh , I remember my college days . 00:33.592 --> 00:35.758 I miss everything about college except 00:35.758 --> 00:38.085 for the expenses . I am still paying my 00:38.085 --> 00:40.575 college loans . Tell me about it . Our 00:40.575 --> 00:43.635 combined loans . That's why we refuse 00:43.635 --> 00:45.990 to take any loans out for Tyler . I 00:45.990 --> 00:48.157 just wish he could have gone somewhere 00:48.157 --> 00:49.823 in state or at least gotten a 00:49.823 --> 00:51.879 scholarship . That's the thing about 00:51.879 --> 00:53.712 ivy league schools . They are so 00:53.712 --> 00:55.657 expensive yet they don't offer any 00:55.657 --> 00:57.920 assistance . Looks like it's time to 00:57.920 --> 00:59.587 get back to work . I've got a 00:59.587 --> 01:02.180 conference call . Yeah , like every day . 01:10.270 --> 01:13.520 Everything okay . Yeah , 01:14.530 --> 01:16.697 everything is fine . All right , Pat , 01:16.697 --> 01:17.863 I'll see you later . 01:36.830 --> 01:38.774 Did you hear back from that job in 01:38.774 --> 01:40.997 Springfield ? You're supposed to have a 01:40.997 --> 01:42.941 phone interview . Right ? Yeah , I 01:42.941 --> 01:45.052 heard back . I got an email that they 01:45.052 --> 01:47.219 had moved on in the hiring process . I 01:47.219 --> 01:49.219 am so sick of having interviews and 01:49.219 --> 01:51.552 then getting sorry to inform you emails . 01:54.780 --> 01:56.724 Look , I know you're worried . I'm 01:56.724 --> 01:58.613 worried too . But we just have to 01:58.613 --> 02:00.947 believe that everything's gonna be okay . 02:00.947 --> 02:03.002 That is much easier said than done . 02:05.120 --> 02:07.064 Oh by the way , there are a couple 02:07.064 --> 02:09.120 messages on the phone . Someone must 02:09.120 --> 02:11.120 have called while I was out grocery 02:11.120 --> 02:10.430 shopping . 02:18.180 --> 02:20.291 Have you seen these bills , laura . I 02:20.291 --> 02:21.847 mean I've seen them . Yes , 02:24.750 --> 02:26.917 this is Martha from Mastercard calling 02:26.917 --> 02:29.028 for Patrick Scott . We've noticed the 02:29.028 --> 02:30.917 late payments on your account and 02:30.917 --> 02:33.139 wanted to discuss your options . Please 02:33.139 --> 02:36.970 call me back at 18889994545 . Again I 02:36.970 --> 02:40.930 can be reached at 18889994545 . 02:40.940 --> 02:44.660 Thank you . Hello . This is eli from 02:44.660 --> 02:46.780 City Bank . We are trying to reach Mr 02:46.780 --> 02:49.002 scott . This is an attempt to reach you 02:49.002 --> 02:50.891 pertaining to a personal business 02:50.891 --> 02:52.613 matter that requires immediate 02:52.613 --> 02:55.930 attention . I can't deal with this . I 02:55.930 --> 02:57.597 have had a long day at work , 03:04.210 --> 03:06.910 knock knock . Hey Patrick . What's up ? 03:06.920 --> 03:09.142 Hey , I'm just trying to finish up this 03:09.142 --> 03:11.309 analysis . I've been working on it all 03:11.309 --> 03:13.476 morning . I'm trying to get it over to 03:13.476 --> 03:15.198 jerry by end of day . Yeah , I 03:15.198 --> 03:14.890 understand that . I've had a busy 03:14.890 --> 03:16.779 morning myself but at least we're 03:16.779 --> 03:19.001 halfway through the week . Am I right ? 03:19.001 --> 03:21.112 What do you say ? We take a break and 03:21.112 --> 03:25.000 get some lunch ? No , I can't . 03:25.010 --> 03:27.360 You go ahead without me . Are you sure ? 03:27.370 --> 03:29.703 We used to go out like every other week ? 03:29.703 --> 03:31.703 You haven't been out in a couple of 03:31.703 --> 03:33.703 months . I'm fine . Oliver . I just 03:33.703 --> 03:35.926 have to get this work done . Go ahead . 03:35.926 --> 03:38.092 Maybe next time . All right . I'll see 03:38.092 --> 03:39.092 you after lunch . 03:43.470 --> 03:47.260 Can I bring you something back ? Thanks . 03:47.270 --> 03:49.326 It's really okay . Low road packed a 03:49.326 --> 03:51.492 lunch for me . Go ahead . I'll see you 03:51.492 --> 03:51.140 later . 03:59.060 --> 03:59.720 Mhm . 04:06.020 --> 04:07.964 You haven't been home this late in 04:07.964 --> 04:10.210 months and you've missed dinner . Must 04:10.210 --> 04:12.321 have had a hectic day at work . Huh ? 04:12.321 --> 04:15.220 You have no idea , honey . I have been 04:15.220 --> 04:18.400 working on this new analysis Nonstop . 04:19.100 --> 04:21.870 It's the most complex I've had . But my 04:21.870 --> 04:23.814 work on this could lead to an even 04:23.814 --> 04:26.030 better performance review . Maybe even 04:26.030 --> 04:29.610 a raise . So , you know that 04:29.610 --> 04:32.080 company in Springfield ? They had 04:32.080 --> 04:34.080 another opening but for a different 04:34.080 --> 04:36.358 position . So I went ahead and applied . 04:36.358 --> 04:38.636 It's not quite what I hoped for though . 04:39.430 --> 04:42.530 What do you mean ? Well , it's in a 04:42.530 --> 04:44.697 different department . So the pay is a 04:44.697 --> 04:46.919 little lower and the benefits aren't as 04:46.919 --> 04:50.490 good . But it's something and something 04:50.490 --> 04:53.460 is better than nothing . Right ? I hope 04:53.460 --> 04:55.682 it works out . We could really use some 04:55.682 --> 04:59.450 good news . Speaking of news , 05:01.900 --> 05:05.110 We got Tyler's housing intuition bill 05:05.110 --> 05:07.500 in the mail today . I am so proud of 05:07.500 --> 05:09.833 him for getting into the honors program . 05:09.833 --> 05:12.000 But does the housing intuition have to 05:12.000 --> 05:14.111 be this expensive ? It's gone up more 05:14.111 --> 05:17.220 than 10% from last year . Unbelievable . 05:18.020 --> 05:20.242 It just seems like everything is piling 05:20.242 --> 05:23.350 up all at once . The mortgage company 05:23.360 --> 05:25.370 called me twice this week about our 05:25.370 --> 05:27.481 miss payment last month and now we're 05:27.481 --> 05:29.314 almost four months behind on the 05:29.314 --> 05:31.500 Mastercard . I know we bought this 05:31.500 --> 05:33.611 house when we had two incomes . Never 05:33.611 --> 05:36.870 thinking I would lose my job . And I 05:36.870 --> 05:39.920 hate to say it . But you were right 05:39.920 --> 05:42.250 before . We definitely should have 05:42.250 --> 05:44.850 waited on getting Tyler a new car . He 05:44.850 --> 05:48.420 just did so well last year . I know 05:48.420 --> 05:51.630 we've talked about it before but still 05:51.640 --> 05:53.696 can't believe that we weren't better 05:53.696 --> 05:56.350 prepared for this . I checked the 05:56.350 --> 05:59.190 savings again . The accounts are almost 05:59.190 --> 06:00.523 drained at this point . 06:03.590 --> 06:07.490 I mean should we consider taking out a 06:07.490 --> 06:10.380 loan or asking somebody for help ? 06:13.100 --> 06:15.267 It's not my first choice . But I could 06:15.267 --> 06:17.322 call my dad and see if he can help . 06:20.000 --> 06:22.880 I don't know . Laura alone would 06:22.880 --> 06:25.047 probably not be a good idea . We can't 06:25.047 --> 06:27.490 even pay the bills we have now . And 06:27.490 --> 06:30.610 your dad he has his own things to worry 06:30.610 --> 06:32.700 about . Especially with his recent 06:32.700 --> 06:35.800 medical issues . And let's not forget 06:36.210 --> 06:38.377 we had to give them some money not too 06:38.377 --> 06:42.320 long ago to help them out . We have to 06:42.320 --> 06:45.150 do something now People at work can't 06:45.150 --> 06:46.983 find out how deep in debt we are 06:46.983 --> 06:50.820 getting . It's embarrassing . Oliver 06:50.820 --> 06:52.987 has definitely seen the calls from the 06:52.987 --> 06:55.209 creditor . They called while we were on 06:55.209 --> 06:57.610 a lunch break . Besides the 06:57.610 --> 07:00.240 embarrassment . This could put me at 07:00.240 --> 07:03.090 risk with work reminders were sent out 07:03.090 --> 07:05.257 today about reporting requirements and 07:05.257 --> 07:09.110 responsibilities . I understand . But 07:09.120 --> 07:12.680 your job is our only lifeline right now . 07:13.420 --> 07:15.364 That's why I'm really on the fence 07:15.364 --> 07:17.476 about reporting that . Could you lose 07:17.476 --> 07:21.230 your job ? I honestly don't know . 07:22.380 --> 07:24.380 But I do know it's better if I tell 07:24.380 --> 07:26.102 them versus them finding out . 07:29.360 --> 07:31.582 Good morning marisa . Do you have a few 07:31.582 --> 07:33.804 minutes ? I need to talk to you about a 07:33.804 --> 07:35.916 personal matter . Sure Patrick , come 07:35.916 --> 07:38.193 on in and close the door . Have a seat . 07:41.370 --> 07:44.070 Is everything okay ? Not exactly . 07:45.240 --> 07:47.860 Things have been tough for my wife and 07:47.860 --> 07:49.990 I . We've been going through some 07:49.990 --> 07:52.630 financial struggles that all started 07:52.630 --> 07:54.741 when my wife lost her job because her 07:54.741 --> 07:58.030 company was downsizing since then . It 07:58.030 --> 08:00.030 seems like everything has just been 08:00.030 --> 08:03.150 piling up . We've missed a couple of 08:03.150 --> 08:05.930 credit card payments , a car payment 08:05.940 --> 08:08.120 and last month we couldn't pay our 08:08.120 --> 08:11.140 mortgage and our son Tyler is going 08:11.140 --> 08:13.420 back to college this fall and his 08:13.420 --> 08:15.600 tuition and housing bills all fall 08:15.600 --> 08:18.160 completely on me since my wife lost her 08:18.160 --> 08:22.090 job . I feel an overwhelming sense of 08:22.090 --> 08:24.260 frustration almost as if I'm running 08:24.260 --> 08:26.890 out of options for what to do . Well , 08:26.890 --> 08:28.946 first things first you were right to 08:28.946 --> 08:31.168 come to me and I appreciate your candor 08:31.168 --> 08:33.640 about your personal situation . It is 08:33.640 --> 08:35.584 your responsibility to self report 08:35.584 --> 08:37.584 anything that may negatively affect 08:37.584 --> 08:39.640 your national security eligibility . 08:39.880 --> 08:42.102 This includes the delinquent debt . You 08:42.102 --> 08:45.150 have , has it been over 120 days ? Yes , 08:45.150 --> 08:47.650 it has for some of them . I get it . 08:47.990 --> 08:50.050 Times are hard for a lot of people 08:50.050 --> 08:52.161 right now . You did the right thing , 08:52.161 --> 08:54.700 Patrick . We have automated record 08:54.700 --> 08:56.867 checks according to continuous vetting 08:56.867 --> 08:59.130 requirements and seed six . That will 08:59.140 --> 09:01.390 flag delinquent debt , failing to 09:01.390 --> 09:03.540 report financial issues raises much 09:03.540 --> 09:05.720 more of a security concern . Had you 09:05.720 --> 09:07.831 not reported this information , there 09:07.831 --> 09:10.030 could have been adverse consequences 09:10.130 --> 09:11.908 that put your national security 09:11.908 --> 09:14.240 eligibility at risk . As you know 09:14.250 --> 09:16.417 financial issues make you a target for 09:16.417 --> 09:19.130 compromise . Many people believe that 09:19.130 --> 09:21.130 having financial issues will always 09:21.130 --> 09:22.908 have a negative effect on their 09:22.908 --> 09:25.320 national security eligibility . However 09:25.340 --> 09:27.118 prompt reporting decreases your 09:27.118 --> 09:29.040 vulnerability or risk to national 09:29.040 --> 09:30.984 security and allows you to get the 09:30.984 --> 09:33.096 necessary support you may need before 09:33.096 --> 09:36.410 it escalates from what you have shared 09:36.410 --> 09:38.690 with me . Circumstances that appear 09:38.690 --> 09:41.060 beyond your control seem to have caused 09:41.060 --> 09:43.690 the delinquent debt by self reporting . 09:43.700 --> 09:45.860 You are acting responsibly to resolve 09:45.860 --> 09:48.930 the issue . Your next step is to create 09:48.930 --> 09:51.041 a clear plan to resolve your debt and 09:51.041 --> 09:54.050 adhere to that plan . Okay , understood . 09:54.060 --> 09:55.727 Have you considered financial 09:55.727 --> 09:58.700 counseling ? Not yet , Laura and I have 09:58.700 --> 10:00.811 talked about needing some help but we 10:00.811 --> 10:03.033 didn't really know where to start . Are 10:03.033 --> 10:04.922 there resources that we could use 10:06.920 --> 10:10.660 call the employee assistance program or 10:10.670 --> 10:14.080 as we know it ? E A P . They have 10:14.080 --> 10:16.191 resources may be able to assist you . 10:16.510 --> 10:18.910 Here's the ep phone number . Thank you 10:18.910 --> 10:20.799 Marissa . I will get this process 10:20.799 --> 10:23.020 started today . Before you go . Take 10:23.030 --> 10:25.141 one of the reporting requirements and 10:25.141 --> 10:27.308 continuous vetting pamphlets on top of 10:27.308 --> 10:29.474 that bookcase over there . You can use 10:29.474 --> 10:31.030 these as a reminder of your 10:31.030 --> 10:32.974 responsibilities and the potential 10:32.974 --> 10:34.974 security concerns . And remember no 10:34.974 --> 10:37.086 matter how difficult things like this 10:37.086 --> 10:39.380 seem , there are always solutions . I'm 10:39.380 --> 10:41.158 glad you came to me , Patrick . 10:41.158 --> 10:43.158 Hopefully this is the first step in 10:43.158 --> 10:45.213 putting you onto the path to resolve 10:45.213 --> 10:47.269 these financial issues . Thank you , 10:47.269 --> 10:47.840 Marissa .