Dave, We Follow Your Advice but Went Off Script…

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[@minnesotajames1]

She's in debt and what-not.

[@Adam-lm5yd]

😂😂😂

[@express184]

lol

[@liveyourbestlife1878]

😅😅😅

[@jimroscovius]

And made a stupid decision and what-not.

[@Aminah6623]

😂😂😂

[@miltonmcdonald2919]

The longer it takes to tell the story about how the decision came about, the stupider the decision always is.

[@1ButtonDash]

Glad Dave understood because I couldn't understand her at all, she was all over the place and sounded like she was on 4 cups of coffee

[@wahinepaddler4]

'..and what not..'

[@BREEZYM6015]

Lots of people talk fast. 😂

[@SO4JTV]

IMHO- She was super easy to understand.. .love the fact they were trying to help her Mom .. she sounded great on this call .. praying for their situation and for the Lord to bless them for honoring and helping her Mom.. 💙🙏

[@mike112079]

I don’t get what changed since when they made the purchase and now. Is she just changing her mind about owning property with her mom?

[@linuxsurfer2002]

"Hopefully this wasn't a stupid decision" I think we all knew it would be.

[@BREEZYM6015]

Don't you know that there's no such thing as a stupid question. By the way, how many pennies are in 1 cent? 😂

[@myfindependencejourney]

Buy her out “and whatnot” 😂

[@buffymcmuffin5361]

Reminds me of folks who just keep having kids without thinking how to pay for them all. "We'll worry about it then"

[@geraldwalker7609]

Too bad "Whatnot" isn't on my Dave Ramsey Bingo card.

[@jh26pt2]

Hope this lady finds a side hustle where she gets paid per “whatnot”. Instant Baby Step 7.

[@weupinherrr6007]

If you choose to divide as Dave suggests, make sure to have the caveat that if mom decides to sell what has been deeded to her then your family gets first right off refusal to buy it back. Mom's situation could change and now you have a new very close neighbor.

[@JudePi-jx7yo]

Well that defeats the whole purpose of dividing it no? The mom wants to "stay in real estate" so she needs to sell it at market price. Otherwise she can just trust her daughter to take care of her.

[@Cammimullens]

I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market.

[@Manselus]

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important.

[@TitaAnderson]

I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.

[@softy-bf5eg]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

[@TitaAnderson]

Just research the name Angela Lynn Shilling. You’d find necessary details to work with a correspondence to set up an appointment.

[@softy-bf5eg]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@theburnetts]

I'm always surprised at how difficult it is for some people to communicate clearly. I listened to this call twice and I still don't really understand exactly what the problem is.

[@maryalicecampbell341]

I agree nothing is wrong.

[@mike112079]

She doesn’t know what the heck she wants to do now that they actually have already made the purchase. She had all the time in the world to decide what the flip they were doing before they signed on the dotted line! She is a mess!!

[@AllynHin]

My take on it is the mom put in 25% of the money, but is now on the deed as an equal owner and the caller knows that at some point, this is going to be a problem.

[@danielcruz2256]

The problem 1. Mom put in initial 25% of down payment or cost. 2. Mom doesn't not want to sell her ownership in the real estate which legally makes her 50% owner 3. The houses are being worked on

[@cynthiawaldorf9353]

I agree. I think she was so embarrassed at the situation that she was trying to go ALL around it instead of just spelling it out. She kept trying to explain decisions away before explaining the choice they did.

[@kevinhamilton6256]

The "what not" will get you EVERY time!

[@kendrapratt2098]

“And whatnot “. Dave, where is Reno, California?😂

[@BrianW211]

I wanted to shove a pencil in my ear after the 5th "and whatnot"?

[@judye2805]

It was Reno, NV

[@robloxvids2233]

He's as bad at geography as he is at math.

[@starrystarrynight6281]

She really needs to stop saying “what not.” I know it’s a nervous thing, but it is so distracting. BTW the lawyer friend gave you quick leave me alone free advice.

[@as2223]

Co-mingling assets is like co-dependency and if you're dealing with a toxic family member it''ll be a complete nightmare.

[@maryalicecampbell341]

and in a normal healthy family everyone benefits. wiser care for mom if needed. more inheritance moor bring power now. why dose everyone assume a problem will happen. the division of equity is set. so if sold it I decided but they may not sell. families use to provide elder care. seems the division of tax is decided. there dose not have to be trouble and it can be sold then.

[@as2223]

@@maryalicecampbell341 Normal healthy families set healthy boundaries and keep their financial affairs seperate and not be a burden to their loved ones. Sadly toxic is the new normal for many these days.

[@stuartstafford7720]

Two years ago I found your advice Mr Ramsey & Co, have got out of debt, have a emergency fund, own my own decent car and am now doubling my mortgage payments to get rid of the only chain left. Thank you for your wisdom. Ps don’t eat beans and rice anymore 😊

[@jimroscovius]

You did everything right 🙂

[@lmcg....]

I am eating beans as we speak. I hope to get to where you're at

[@jimroscovius]

We've been debt-free for about 20 years, and we paid off our house a few years ago. It's a wonderful feeling!! I'm semi-retired, and my wife will retire in a couple of years or so.

[@rajbeekie7124]

So, what is wrong with beans and rice? It is my favorite meal.

[@MariahRamsey-ts3uz]

That’s so funny my dad is Mr. Ramsey

[@Baron2888]

God bless you if u don't get a headache from this lady 😊

[@LegalMind-ds4wr]

What not, and like, what not

[@SubutaiKai]

Take a drink everytime she saids "And what not."

[@SO4JTV]

She did a great job on this call .. 💙

[@dougprentice1363]

If you took a drink every what not... you wouldn't be at work tomorrow. That was horrible.

[@RonniewbNC]

Poor hubby. Permanent headache x 2.

[@TravelOften]

1:34 " a lawyer friend ... we can sort it all out" What could go wrong?

[@chazzkramer7676]

😂

[@sXePunkV2]

And what-not....

[@sj6728]

Dave I listened to you and saved and saved. Paid cash for a 2022 13000 miles. 45k . I love working your program. All I have left is paying off my home. I wish I had heard of your program when I was 18. Better late than never. 😂😂. I went through your program when I was 50. Amazing journey !!!!!!!🎉🎉🎉 Thank you with all of my heart!!!!!

[@QLOVELIFE]

@3:45 Did Dave really say Reno, California?! 🤣

[@DMS1010]

Can she say what not 42 more times

[@FortuneSeek3rz]

When people are nervous they repeat themselves.

[@DMS1010]

@@FortuneSeek3rz yes 457 times out of

[@SO4JTV]

So critical ..

[@luminous6969]

Don't give her any ideas 😅

[@theresahaskew7555]

Why do they need to change anything?

[@cassandrahuete5973]

Real estate is not a retirement plan in your 70s

[@bigbadjohn7053]

This kind of stuff is why my mom is 25% owner of a lot that is going back to the county because after 55 years, the party that was paying to property taxes is tired of doing it and 1 of the other parties is refusing to let them get reimbursed for their efforts if they sale it.

[@lingeriedeparis7274]

You can go to court to get a forest sale

[@Dnelson807]

"We follow your advice, but then we didn't follow it"....

[@GAFB1122]

If they really like the land and they want to keep her mom close by, then trying to subdivide the property in 2 legal parcels is the way to go, even if it is a little more costly upfront.

[@linuxsurfer2002]

But the Mom will still be around, and I believe the daughter will get stuck sorting out the Mom's mess. She'll be right next door!

[@TheWolfXCIX]

Buy the mum out, have her stay for low rent and save aggressively. Then, she would be able to buy a house when she wants to leave or just keep renting and retire off savings.

[@mrsterious5845]

I used to be a lawyer but not one who did real estate. My last exposure to principles in real estate law was in law school 20 years ago. Before Dave even got to it, I wondered why they weren't told to split the parcel.

[@GAFB1122]

Did you listen to the whole call?

[@KathleenMcNe]

The caller needs to do herself and everyone with whom she communicates a favor and stop repeatedly saying "whatnot."

[@robloxvids2233]

If she had a dollar for every time she said "whatnot" she'd be rich.

[@Samanthasupernovaa]

This girl is all giddy and nonchalant but I’d bet this pisses Dave off

[@mwhe3111]

Lady, look up real estate lawyers in the yellow pages. Geez...this ain't rocket science.

[@JohnSmith-nl4zh]

But it's her lawyer 'friend' that organized this mess - lol.

[@janelleg597]

I love the dramatic title 😂

[@tubenachos]

"And what not" take a shot every time she says it. Drunk as a skunk 🥴

[@jgamboa4858]

As a City Planner, it was great to hear Dave talk Zoning😂

[@front331]

The big Herc should hehehe everytime she giggles. Get a control of yourself lady.

[@grayandgray]

Mom lives rent free and owns 1/4 of the property. that's not a mess to me. Also, if mom needs to sell, I can go to court to force a sale. They obviously needed her resources to do the deal. Now they want a better deal. That's not the agreement you made. They should have bought themselves and made a rental deal, zero rent, lifetime, whatever. Only they couldn't!

[@liveyourbestlife1878]

I homegirl figures things out, and what not!

[@stephengamber7000]

How about spending money on a qualified real estate lawyer first!

[@miketracy9256]

WHY WOULD YOU PARTNER WITH SOMEONE WHO IS IN DEBT? YOU NOW HAVE ALL OF THE LIABILITY BUT NOTHING CLEAR AS TO WHAT ASSET IS OWNED BY WHOM. PEOPLE IN DEBT CANNOT GET OUT OF DEBT BY BORROWING MORE. MOM NEEDS TO FIND A SMALL AND AFFORDABLE APARTMENT.

[@jimmymcgill6778]

She own 75% of the property, and the mom owns 25%. What is so hard to understand about that?

[@AllynHin]

They're all on the deed so that makes mom's portion higher than 25%.. The caller is concerned that mom now owns half when she only put in 25% of the money.

[@jimmymcgill6778]

@@AllynHin The mom paid 25%. So simple math say's her portion is only worth 25%. Plus any money that she put in for reno's.

[@AllynHin]

@@jimmymcgill6778 The deed doesn't care what, if anything, she contributed to the purchase. Her name is on the deed, so she is an equal owner.

[@jimmymcgill6778]

@@AllynHin She still only help with 25% of it.

[@AllynHin]

@@jimmymcgill6778 You don't get it. Between family members, she contributed 25%, yes, but legally, she is an equal owner on the deed. If they want to sell the property, she'll get half. If she passes away before this is resolved, her heir or heirs get half the property. Even if she didn't contribute *any* money, if she is on the deed, she is an equal owner.

[@yo9758]

Get a survey and split the parcel

[@bradleymaravalli2851]

If the parcel wasn't split beforehand, there is likely a good reason. Hopefully I'm wrong and the past owners meant to and never got around to it.

[@deecali]

I personally would put a private lien for the amount since put a chunk down as a private second for her estate. Let her stay there and help with a portion of utilities and save her money for her own retirement. When she passes, the amount she put in goes to her estate. She is living rent free in her home, about wording about cost of rent going up. This is what we did with my sister. My dad lives with her. Uses his ss to pay the water bill, used his money to to help her buy a home. It works for all parties, you are honoring them and when he passes his portion will be split between the grandkids.

[@bobbyrockets7566]

and what not...

[@slimcoogan3277]

Not 1st. Not last.

[@DoctorSmartyPants]

And so on and so forth

[@charlescron1454]

But is she safe, and what-not?

[@Debora.14]

Reno, California...😂🤣😂

[@kidzanimalskidz239]

Why did it take her so long to say so little???

[@robloxvids2233]

Notice one of your words was "her."

[@DoctorSmartyPants]

It's not what, it's whatnot. Etc etc etc

[@robertkrumm2470]

Lawyer saw dollar signs $$$$$

[@jimmymcgill6778]

It is not a mess. Just because you do not like it, it not make it a mess. Dave wants her to kick out the mom? I swear, Dave have family problems. Just because the people that she talked to don't agree with what Dave thinks. Does not mean they are wrong, and have to be called names.

[@FortuneSeek3rz]

She called him... she knows it's going to go sideways...

[@jimmymcgill6778]

@@FortuneSeek3rz It's not going sideways.

[@amireallythatgrumpy6508]

@@jimmymcgill6778 Real estate goes sideways 100% of the time dude.

[@maryalicecampbell341]

I dont see why it has to end badly. families use to share with families . mine did for generations and all benefited. no messes. they now how things are divided in a sale and for upkeep so why a problem. everyone may have dose better than separately.if there are rights of survivorship the kids are really benefiting. you may have cost everyone with imagined troubel ahead. people share land in condos . this young woman is geting too much KZbin advice.

[@jimmymcgill6778]

@@maryalicecampbell341 Boomer Dave always have problems with buying houses with family.

[@djpuplex]

if she needs long term care they'll be buying out Medicare.

[@maryalicecampbell341]

I think you Ean Medicare recovery but this plan would exempt that recovery. because they live on the property. also not every one goes on Medicade there is no medicare recovery. she may havelong term insurance or too many assets for Medicare. or get care at home. not every one uses nursing homes. may cultures do not and her close means they can suprovize home care. much cheeper to have come in help. even live in .

[@Aaron-jj6on]

....and what not

[@joshuakelly9743]

There’s a lot of what-not going on here.

[@olivewoo522]

Her laugh the entire call is annoying. Why?!!!

[@22TFreitagRacing]

She spent too much money on whatnot lol

[@joelmartinez2278]

This was all bad and without little to no thought

[@randomrendered1856]

At 5:19 i chuckled and yes i hate my sinful mind 😭

[@cutehumor]

Your statement is proof we need a savior of our sins. Pray for forgiveness with lord Jesus so we can be together in kingdom of heaven we die brother

[@CJ2023Incognito]

🤦‍♀️

[@randomrendered1856]

@@cutehumor Romans 3:23 - For all have sinned and fall short of the glory of God.

[@randomrendered1856]

@@CJ2023Incognito 🤷

[@edgardoalvarez4717]

I really need a new car that last for years and i have 10k I want to get a 38k obviously finacing since I don't have a car right now and my dad is going to help me with cosigned Is it a good idea?

[@kristinewberg7656]

No.

[@Jakkaribik1]

If you do not have 60% of the Money do not take up more Fake money from Banks it will hurt you more in the Long Term Cars Lose much Value like 30% in the Moment you Drive it out.

[@johannesswillery7855]

Spend 10k on a Honda Civic. It will last many years.

[@marysatterwhite1982]

Buy out your mom. Give mom lifetime rights, perhaps?

[@claudettelindsey7542]

Sounds like throw momma from the train to me

[@BrianHaralson-mq4uh]

Hi Rachel. Dinner?

[@jimroscovius]

Why do people do such wacky stuff??

[@ykook7000]

Test

[@SailOnFlyBy]

I've been listening to Dave Ramsey for 20 years. I'm tired of how he expresses himself. Way to many "Sucks!", "Dumb!","Stupid!" and "Loser! Etc... I feel like it's gotten worse and more pervasive over the years. I can no longer listen to him with my children around. What's up with that!? Not cool.

[@tracy5721]

You think your kids aren’t hearing worse than that at school or on TV, video games, at friends homes etc.?

[@SubutaiKai]

Geez dude you can't handle that 😂. I mean that's PG stuff bro 😂😂 i

[@Marine1truth]

He is tame and pretty honest and dealing with people who don’t listen. . Maybe don’t listen anymore then.

[@Chet_24]

He kind of reminds me of how Bob Barker was at the end. He was pretty cagey by the end of his time on Price is Right.

[@robloxvids2233]

When people constantly tell people how Christian they are they forget to keep actually acting like a Christian. It's like HEY IM A GOD LOVER SO I GET TO BE A JERK!

[@LeviRobinson270]

Prosperity doesn't come out that way overnight. What Most people see at a glance-wealth, a perfect career, purpose-is the results of hard labour and hustle over time. I pray anyone who reads this will be successful in life...

[@OliveLeee]

​@VilleHeikkinen549You are right.

[@OliveLeee]

But I don't know why people remain poor due to ignorance

[@Apex81991]

Is there anywhere I can get across to this woman for a startup?

[@Apex81991]

I really appreciate it

[@Wine552]

Is not about watching videos and wasting your time on strategies, I was ignorant of doing so...not on till I gave Grayson Amelia a try and ever since then she has changed my story for the better.

[@cookiesandpie4837]

😮

[@AieMem67]

Why is Dave So Mean and Cranky compared to some older KZbin Videos

[@dylanortiz8407]

Second

[@lvvett1]

First

[@kurtjames9487]

This isn't preschool. You're not getting a gold sticker.

[@lvvett1]

@@kurtjames9487 didn’t asked

[@kurtjames9487]

Then shut up if you're not gonna contribute to the discussion. No one cares about your infantile aspirations.

[@itsdavidlo]

Every time she says what not, take a shot.

[@AbanobHDPlayz]

Second

[@lvvett1]

Third* 🤓

[@cutehumor]

Second loser