Husband Did Something Dumb

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[@davide4521]

rice n beans for 2 years, hot sauce only if you steal it from taco bell, you can add tortillas after 6 months, next caller

[@PrhyanMek]

David Esposito 😂🤣😂

[@KhoalBishop]

😂🤣😂🤣😂🤣

[@dr.bassmab552]

Lol 😂 🤣🤣🤣🤣🤣🤣🤣🤣

[@brownelcamino3051]

Lol

[@mandysimmons2769]

Taco Bell?? YOU can't go into a Taco Bell unless you're working there. You can't afford no free hot sauce. LOL. Tortillas from the dollar tree. Freshtastic!

[@skibum6422]

Note to my parents.... Thank you, thank you and thank you for being good with money and being a good example for me.

[@joannabyrd1622]

My parents did have financial issues but they told me a million times over. No credit cards, its a scam. We bought junkers. So no car loans. The only thing i had/have on my credit, is 3 years student loans and lots and lots of medical bills. That i couldnt control, it was an emergency. Im so thankful for my parents. Dave is just inforcing what my parents already told me.

[@kowaligapl8278]

"A cosigner is an idiot with a pen" ...Warren Buffet

[@iPLAYtheSTATION]

Husband: *cosigns for someone else's debt* Mother: *doesn't make the payments, results in a foreclosure* Husband: *surprised Pikachu face*

[@cess5614]

Nocturnal X with ⚡️ electric power

[@upfulsoul826]

That isn't just someone's debt. That's his mother.

[@isaacmiraldi9168]

Hello fellow memer

[@gordongoodman8342]

@@upfulsoul826 Which is someone else.

[@jessicaolson490]

@@gordongoodman8342 it means it's worse.

[@Guitar157]

If you need someone to cosign. You shouldn’t buy it that simple.

[@AdaEstherGJ]

Great advice

[@TheRjmsca]

Love it great comment

[@RevPerdueJosh]

What if you have no arms or jaw?

[@lijohnyoutube101]

I was taught this practically as a toddler, why this is not completely common sense is sad :(

[@vinnyt.8027]

Co-signing is a bad idea no matter who it is

[@roncur]

Facts

[@Ruthie3777]

RAW FACTS!!!

[@thehALomolov2]

My mother cosigned my student loan so I could go to university. I've been out of school 8 months and already paid back 50% of 4 years worth of full loans :) Not even using my degree for the job I got though -_- the rest of my family are the ones with bad credit and bankruptcies. I don't see how her cosigning helped instead of hindered ( multiple bankruptcies in my immediate family), Idk why but the banks seem to give my family high interest credit like crazy with nothing as collateral and the credit being multiple times they're income.. I wouldn't lend them money if I wanted it back

[@1960JCRAY]

thehALomolov2 you happen to be the exception. Generally speaking co-signing on a loan is a bad deal. It puts the borrower in control of the co-signers credit.

[@trebmaster]

The Bible warns against it. "Put up security for" is another term for cosigning, basically.

[@ChrisInvests]

People need to be extremely careful with money when married. Money is the number one cause of divorce. It's not everything but...

[@FunandBudget]

Reason #2729739723 why I will NEVER cosign for anything for anyone!

[@dalekelly7639]

Husband should be on the call with his wife. Otherwise, he's gonna get an earful of "Dave said..."

[@jeanpeters2748]

I hope, hope, hope the husband listened to this call eventually. Dave gave her a boat load of great information that will help them minimize the future damage caused by his whacked out entitled Mother.

[@nicole4779]

Only owned the house for 7 months and already into foreclosure 🤯😬

[@kevinb8881]

Lady, you are married to a mama's boy, LOL!!!

[@sunset6010]

Kevin B : Not only that .... There are 4 people in that marriage. Husband, wife, mom & dad.

[@Ruthie3777]

😂🤣😅 I came for the comments!

[@satyannair4837]

Well, as I see it, your mother must've placed you in a basket and put you on the steps of St. Anthony's Orphanage, when you were a baby, what? A "mama's boy" relationship tends to be more convoluted. This is simple reciprocation, wherein your parents nurture you and repeatedly cover your back when you are young, and you return the favour when they grow older. Yes, it went wrong, in this case, and that was unfortunate. But one must not shirk away from one's responsibility to one's parents. Guess the dear Fathers at St. Anthony's failed to teach you that?

[@timothygibney159]

What is he going to do? Force her?

[@kevinb8881]

@@satyannair4837 And how do you know my mother???

[@MP-nj1qy]

My ex boyfriend of just 3 months asked me to co-sign a car loan of $80,000. He has a history of bankruptcy so he needed a co-signer. I was smart a enough to say no and I am forever grateful for that courageous act. 🙄

[@chrysichrysi7889]

Co-signing for an irresponsible person is basically playing financial russian Roulette.

[@aqua6613]

You'd be better off and have better chances playing Russian roulette

[@araineacutebrownnurse7315]

$300,000 house with $50,000 income. Unreal. Ridiculous

[@staceystrukel1917]

@Yussef Saber it's not for most of the country. There is affordable living available almost everywhere in the country.

[@nathanbug24]

@Yussef Saber i live in CNY. There are houses all over from 50k-200k. unless you are from the NYC area. In that case i would move and leave that dump.

[@mannyjeanpierre4062]

absolute love this show. This show is great for commutes and travel.

[@katherinewalker4196]

Manny Jean Pierre and listening during work 😂

[@bettysmith4527]

Is in on the radio at all?

[@tjmcavoy-jensen871]

@@katherinewalker4196 facts, I listen during work, I’m working at Amazon right now and I listen on the road lol. Trying to decide between nurse or dental hygienist for my career

[@annwilliams6438]

She buys the house knowing full well she cannot afford it! And let's her own child take the whack to his financial reputation each time she defaults on a payment!

[@paulman9989]

YA IM NOT TO SHURE = WHERE MOMS HEAD AT = BUT SEEMS TOTALLY BS

[@chrysichrysi7889]

So the mother has to make payments on the house AND back-payments on the debt that got her into bankruptcy in the first place 😱😱😱. Sorry to say but NOBODY in that family did their homework before he co-signed.

[@jeanpeters2748]

The mom probably guilted her son, "If you love me, you'll sign here." What a savage thing this mother did to her son, (now including his wife and child). I wonder if the husband told his fiancee about this co-signed mortgage, before they got married. Horrible situation...

[@l.ls.8890]

I feel for the wife and baby, she is so concerned. You can hear it in her voice.

[@juliemortenson428]

I hear a sweet baby in the background

[@holylandfan3275]

I do wish he would have at least mentioned it. It sounded newborn and precious. :)

[@princessofnada87j25]

This will affect that baby life

[@brucewayne8955]

Abort it

[@jogmas12]

Julie Mortenson sweet baby?

[@orphanedhanyou]

@@jogmas12 the gurgling and cooing

[@pawsnotclaws2772]

These are so addicting to watch

[@windsongshf]

A lot of evil moms out there!

[@sidharthchand8072]

Mom should rent out some rooms

[@barrettcarter2804]

sidharth chand She should rent herself out by the night.

[@xsnap]

lol they all should be moving into that house and pay it down, and then stay there once its paid off rent free to recoup and then move on.

[@timothygibney159]

@@xsnap I bet the Mom won't let them as it's her house and she is entitled

[@LittleHatori]

Dave was so savage in this call. Just hit every artery. No scalpel. Straight hatchet. "Your mother ain't gonna pay it. Ur husband's credit is gonna get hit. This was stupid. Everyone involved was stupid. And there is nothing u can do (except build some wealth)."

[@reliablemaid]

Lol...truth!

[@aprilcastillo5487]

I hope to one day change a life as Dave has changed mine ❤ financially speaking... I'm no expert but I really want to help others this knowledge is Gold

[@kmadrid2325]

April Castillo take the financial coach training he offers! I love being a Ramsey Preferred Coach for the same reason you listed!

[@TheRjmsca]

What a beautiful goal

[@simonwoodson8029]

never ever co-sign for anything especially when it comes to family.

[@Erica-wz8yv]

Never co-sign for anything!!! It never ends well.

[@FortuneSeek3rz]

I wonder what made his mother think she is entitled to the home regardless of payment status?

[@RaptureHead1993]

No doubt a baby boomer....no other explanation needed.

[@timothygibney159]

Emotions

[@alcoholandfun243]

She's a woman. Thinks she's entitled to a man's help for everything. Husband or son. It doesn't matter to her.

[@melaniej.roberts206]

@@alcoholandfun243 SO many women haters on this channel. But you don't say a thing about men screwing up. Often.

[@MsJoyce31202]

She WANTED it. But too bad it doesn't work that way.

[@RunningWithTyler]

Consigning for someone never ends up being a positive for anyone

[@kmac4331]

Simple message "Never co-sign a long for Anyone!!! Especially Family!! ". I think that sums up Dave's message.

[@TurnFROMsinANDrepent]

Hey! I’m the dumb husband who co-signed! Never co-sign anything! My wife sounded great! With our baby eating her bottle in the back round!!🤣

[@GageHolmes138]

KingdomxPushingxREVOLUTION 20-22 you possibly did something dumb doesn’t mean you are dumb. Life goes on

[@TurnFROMsinANDrepent]

Thanks gage

[@mosesyang4222]

She's an idiot for marrying an idiot which makes her a super idiot

[@crowtservo]

Sometimes you gotta experience something to learn what a bad idea it is. Everyone knows hangovers feel terrible, but until you go through one you never know how bad it really feels. Good luck to you sir.

[@AdaEstherGJ]

I was talking about this at church today. Unfortunately, we all usually learn by making mistakes, but we can get ourselves back up and move forward. She did an awesome job. OK that call. Move forward fearlessly. God bless you all

[@MP-nj1qy]

That baby sounds so cute! 🤱🏾

[@inthevault9603]

Mom: So you’re going to let me move in when I lose the house. 🤬

[@jvolstad]

My late Mother learned the hard way, not to be a co-signer on a house.

[@Elizabeth-ej6ln]

Minnesota resident here, the mom could easily rent a studio/1 bedroom for 900 a month. EASILY. I think the son needs to explain to his mother this is nerve wracking, and you want her to succeed but the current MATH doesn't work and this is keeping you two up at night and it hurts the chances of them becoming future homeowners! Mom needs to become a landlady or sell it to avoid forecloure.

[@raj-cr4nl]

Don't co-sign. Just give them the money. It's cheaper.

[@FlyingMalamute]

Poor girl, you can hear her little baby, and she married into this kind of family.

[@gordongoodman8342]

Shhhh. Be quiet.

[@kimmyymmik]

@@gordongoodman8342 lol nah she’s right

[@ADR7707]

'NO' is a complete sentence. Whether mother, father, sister, brother, and all others, just say no. People become indignant and have a lot of nerve once you sign on the dotted line. Before they can finish getting the question out of their mouth to ask anything, beat them to the punch...'NO'!!!

[@sinamen516]

Changing your family tree...yikes!! 😂😂😂

[@patricianewton4914]

His mom is probably not making conduit payments on that house...

[@clearly7911]

Over a million wow congrats! 🎉 well done as you say lol

[@jessicaolson490]

If you're going to do something like that, it would be better to own the house yourself and rent it to Mom. Of course allowing for missed payments, and the possibility that in the future you will have to evict her. For example my mother went blind in her middle age so after helping her pay rent for a while my grandfather just bought a house with in his budget, he saved money monthly, got to sell the house later on for a profit, and meanwhile his daughter was cared for.

[@drzpapi413]

Never co-sign unless you're seriously willing to assume payments.

[@dfnt12]

IG:DominicanFitness413 honestly unless the person submits a monthly budget that details exact how they plan to make those payments and shows that they can live according to that budget in advance probably just don’t co-sign anything

[@gmarie3053]

Even if they have a budget. If they could afford it, they wouldn’t need. Co-signer. Not worth the stress

[@alexg3348]

The husband signed for what? .... face palm slap time

[@manasgupta8908]

*"i wish i wasn't right, but i am right"*

[@sunset6010]

STOP feeling sorry for people who are BROKE ! PEOPLE !

[@kevinb8881]

I know a handful of people with no money, I laugh all the way to the bank following Dave Ramsey's advice, LOL!!!

[@sunset6010]

@@kevinb8881 exactly. DR Plan is a lifestyle. Not a phase.

[@primesoundzz]

Very “Christian” of you to shame people without knowledge . You know many poor people just don’t have the information and don’t need. To be shamed by you who was also poor at one time . Be humble

[@teev7]

No humility in that comment...confirmation for me to remain humble and remember where I’ve come from. I probably wouldn’t feel sorry, but I will feel empathy.

[@queen.kristal8395]

How she got approved?

[@chrisstaub5880]

She didn't, that's the whole point. That's why she needed a co-signer.

[@Simon-oy7kf]

You don't deserve something if you need someone else to pay for it

[@NateshasAmbience]

Sorry, but I would NOT have married him. That is a major dealbreaker for me!.

[@gordongoodman8342]

Who tf asked you?

[@macaylasmith2022]

My husband and I love you Dave!!!😄

[@shogunofharlom]

Why not just move mom into the house with you, pool resources and buy a house big enough where you don't have to see her every day? This is what every other culture in the world does.

[@samanthasmiles9112]

Huh??? Were you even listening? The mom refuses to leave her home and she refuses to pay her home. She is purposely and intentionally ruining her child's credit. You can't chain your mom to the floor and make her stay somewhere 😂😂😂 this mother obviously is not well. And when you help sick people, they drag you down with them.

[@InvestingHustler]

Sell the house if you can’t afford it , I guess it’s easier said then done.

[@jxsilicon9]

They can't sale it since its in the nutjob mothers name.

[@MsJoyce31202]

It stays on your report for awhile and that's it. Without bankruptcy. At least in Georgia. They're selling the house.

[@RogerPack]

She said the grandma was refusing to move...or sell...

[@christinamaxwell8330]

My dad cosigned for both my brother and I's car loans about 7 years ago. I had good credit history but I had started a new job and didn't have enough income history for the loan. My brother had terrible credit. I learned about Dave Ramsey a couple of years after that and felt so guilty for asking my dad to cosign. I paid my car off early, and my brother still owes on his, and has missed so many payments it's affecting my dad now. I will never cosign for someone ever after seeing what my dad is going through.

[@john1425]

Was Jesus good with finances?

[@nic7100]

Yes! He stashed his tax money in the mouth of a fish. (Matthew 17:24) 😆

[@gordongoodman8342]

@@nic7100 He didn't stash that money there. He just happened to either: 1) knew it was there much like everything else he knew Or 2) it appeared there because he spoke it into existence.

[@jogmas12]

Jimmy Bob well he put Judas iscariot as treasurer and Judas stole from the bag, and Jesus knew this . So go figure.

[@echtubee]

7 months?🤯

[@Josh-by9fv]

She must have gotten the loan through Washington Mutual before the 2008 crash.

[@RogerPack]

If you need someone to cosign, the cosigners should realize they are on the hook for making those payments!

[@donaldrichey3318]

He is now listed as a debtor to his mom. But he is now on the hook for the money. Mom should be selling the house. She is a bad person.

[@findmeatstrappedcoconuts941]

He should have just bought the house and let his mother pay the mortgage. He could have listed it on his taxes as a rental

[@c130comm]

Why does on call with baby

[@elchapojr6219]

Never go into business with family worst thing to do please don’t

[@bellzvasquez]

Girl run!!!!!! From the bottom of my heart run! He will always backup his mother no matter what!!!! I had a similar thing happened, worse decision my husband ever made!

[@bettysmith4527]

How about she doesn't run over something that stupid, from a marriage, with kids involved (I am assuming since I could hear one in the background)!!! He did something stupid, and chances are high he learned his lesson!

[@melaniej.roberts206]

@@bettysmith4527 He can likely not ever say no to his mother. I speak from experience.

[@debussychopin2766]

I don't get the concept of cosign. Why is it always when primary signer jets, the cosigner is fully responsible? Why not just the cosigner jets, the buyer is responsible? Why does the cosigner always get the full brunt of the responsibility?

[@chrisstaub5880]

It does work both ways, that is the point of cosigning. You just don't really hear about the cosigner "jetting" because it isn't really an issue that comes up. If they do, the original purchaser is still responsible, but of course they should be since they are the one who bought the item. It's worse when you're the cosigner since you're responsible for the debt but without actually owning whatever it was that the debt was for, so you're having to pay without getting any benefit. Also, the reason a cosigner is needed in the first place is usually because the lender believes that the borrower isn't likely to pay back the loan based on their credit history, so they need someone else to sign for the loan. What this means is that generally the cosigner is far more likely to actually be responsible, so if either party is going to "jet" and stop paying, it is usually going to be the original purchaser.

[@debussychopin2766]

@@chrisstaub5880 thank you so much.

[@KParks]

Mother of the year!

[@alvinjackson9685]

"I wish I wasn't right, but I'm right"! LMBO!

[@DarkStarAZ]

"I feel gooder than I should!"

[@KA-mq4wj]

Never co-sign or loan anyone money! Ever.

[@jamesjhonson4568]

Never co-sign a loan for anyone period.

[@TheDjcarter1966]

Only did this once but went in eyes wide open...so wide open I had the payment auto deduct from MY account if they paid me back fine, if not I didn't really care I just consider the debt mine from the start...that being said wouldn't do it again.

[@jogmas12]

Marriage does complicate things doesn’t it. No wonder Paul in the New Testament said better to remain single.

[@chartuck]

Husband is a beta. Husband is an idiot. Now wife is stuck with the mess, too. She is now an idiot by association. Next caller.

[@louisdesy781]

Why in the world does any attorney put someone in this situation in a Chapter 13? The problem is that in a chapter 13 the mother would have to be able to pay off the house in full, plus any other liabilities in five years. With the mortgage being $220K, that means the house part is $3,666 per month or $44K per year. The mother making $50K per years means it is impossible for the mother to keep up the payments. This is not the first time I have seen this happen. Usually, the situation is that the debtor goes into a law office and tells them they 'want to keep the house', so the attorney files a Chapter 13 plan of the debtor without making sure they can make the payments that would be required to pay off all of the debt in five years or less. Of course, since the person was having problems with the mortgage payments when the note was over 30 years, there is NO WAY they can make the higher monthly payments to pay the mortgage off in five years, even with the fact that there will be no interest on the mortgage within a Chapter 13 plan. A secondary 'fall out' is that when the plan fails, and the court dismisses the Chapter 13 for failure to keep up the payments, now she will have to wait a period of time to refile a Chapter 7 plus may not have the benefit of an automatic stay. If the mother would get with it and realize what is going to happen, she can file to convert the Chapter 13 to a chapter 7, which is where she eventually is going to end up anyways. The only hope I see is that maybe the house is the only debt, and if it was sold it would take care of the mortgage and withdraw the bankruptcy but it sounds like the mother wants to stay in the house 'just because she deserves the house.'

[@loro1rojo]

Wrong.. she doesn't have to pay off the house in 5 years. She only needs to pay back the back due amount in 5 years and continue making her typical payments.

[@louisdesy781]

My mistake on not clarifying. Normally, I would consider the decision to be in a chapter 13 like this is if they can pay off everything, including the mortgage, in 5 years (60 months), if not then there seems to be little point in going chapter 13 to 'save' a house with a mortgage , especially if a large part of the problem was the mortgage on the house. If the mother couldn't make the payments pre filing Chap 13, filing a Chap 13 to get current on the payments is not going to help. (Of course, if the mother has all kinds of other debt then a chapter 13 does get rid of that all after five years, but in this situation taking five years to save a house that she can not afford does not make sense.) The only way I can see a chap 13 help get current is if a very large part of the liabilities are all the mortgage. The problem is that even making more money may not help because any extra money may get spread out over all of the debts since paying extra on the mortgage could be considered a preferred payment and not allowed. (However I do expect that a court would at least allow making payments to bring the mortgage current. After that I would expect extra income over the formula for disposable income to go to all of the other liabilities.) I do fear that maybe one of the reasons the mother in law is in chapter 13 is not because she is doing that to keep the house, but that she is making more than the income limits to file chapter 7. If that is the case, the only real solution is to sell the house. Financially, if the house is worth less than the mortgage, why spend all kinds of time and money trying to save it? If the house is worth more that the mortgage, then selling the house would allow the mother to start paying off other debt. In any case, going through the time and expense for up to 60 months in a chapter 13 just adds all kinds of costs and takes five years out of her life towards rebuilding her finances.

[@louisdesy781]

I assume in your situation there is equity in the house to be 'saved'. You are also fortunate in that you got a 0% to unsecured to be approved. I have seen problems where the trustee and the court didn't seem to 'like' (meaning approve) plans for 0% situations.

[@Preservestlandry]

If she makes $50k she probably doesn't qualify for ch7.

[@miketheyunggod2534]

Ripping Uranus.

[@ChristianLove7]

Moral of the story is don't go into business with your family!

[@trumayne2010]

He doesn't even make enough to pay for that smh and it shows

[@joelsilverman6899]

my dad cosigned for me when I was 23, and playing online poker for living.. wasn't even making very much money.. Dave would tear me up,, but I've never missed a payment.

[@RogerPack]

Was his co-sign even useful to your application then?

[@felisleo101]

Two words: Chapter. Seven.

[@DrogoBaggins987]

Makes me glad that I didn't get married. Had enough drama with my family and don't need the drama from another one.

[@sibatyu9537]

Drogo Marry right. My wife and her family are a blessing. 🤸‍♀️💃🏿💪

[@Jazcamrob]

This is sad!

[@joellopez5897]

She makes 50k in a 200k house what?

[@chrisludwig9783]

Joel Lopez right.. dumb

[@fame9696]

3rd

[@butterfly-pf8lj]

Maybe he can help pay the bankrupt payments to keep the house then u guys can refinance and take it out of your name and once it appreactes the mom owes u money

[@tpamel]

Unless they're going to 1) move in there, or 2) kick the MIL out and rent it out to not-mom, then _it's not a good idea to take a loan for a place for MIL to live._ What you suggested is repeating the same problem, sans cosigning (which I suppose is a better problem than this).

[@monica62888]

You really think mom is going to pay them anything back? Lol

[@samanthasmiles9112]

If they could afford to pay two mortgages, they would. He is obviously not paying the loan because he cant afford it and he his mom refuses to leave.

[@hateisasignofenvy651]

Brutality Honest lol

[@Ericbryanmr]

My mates parents co-signed for his first house. He was 2-i-c for the building company that he worked for at the age of 20. It worked out. But they would lend either of their other 2 kids a dime because they were smarter than that.

[@shawmeck9323]

I don't understand why these callers don't put their babies down while on the phone.

[@gordongoodman8342]

No one cares what you do or don't understand. Understand?

[@tyler102069]

First comment!!! Thank you Dave!!!

[@fame9696]

you beat me by seconds

[@theforwardfox]

I actually like Dave Ramsey’s advice, I think it’s great 👍🏻 but I wouldn’t merge it with the teachings of Jesus. you can’t juggle faith in God like Abraham, and this “get rich” mindset. I’m sorry, but God’s kingdom economy works differently than the 🌎 worlds. Look at the story of the prodigal son who blew his fathers money, and his father threw him a party. That is the grace, mercy and love of God. Not this old ranting guy calling people stupid for not wanting to be millionaires. Missionaries give up the idea of wealth to spread the message of Jesus. I’m not trying to talk bad about Dave Ramsey, but if you’re a Christian? just take a step back and think about what I’m saying..and what about the women in the Bible that gave the 2 mites? Who Dave cal her stupid? That was all she had, but she put her faith in God.

[@makulizsolti]

Why stupid people calling in with their babies in their hand?

[@xsnap]

why wouldnt they sell their house since she wont sell hers and move into her's, that way she keeps the house and is happy. They pay it off over time while helping her out then stay a few years to save up money rent free in moms house.

[@O-N-U-G]

Why can’t they all live in the house and make the payment

[@TheRisky9]

Would you really want to live with his mother?

[@teev7]

😷 just the thought disgusts me...

[@bettysmith4527]

Also sounds like they have their own home!!

[@germanshepard7842]

i thought DAVE RAMSEY doesn't like gossip! is this considered gossip?!

[@theanachronisticlife8574]

It’s the caller’s household’s problem too, he co-signed.