I Have No Confidence in My Finances

[@robertw5391]

Man was setting his life and family up right and he didn’t get the chance. Good Man!

[@BigRed2]

Sorry but he didn’t leave that much and they will struggle

[@angeluceta5688]

​@@BigRed2 they wont.ubless she does stupid

[@thomascho3318]

​@BigRed2 of course he did considering how young he was while raising FIVE kids. Try that yourself

[@wewhoareabouttodiesaluteyo9303]

@@BigRed2 He made enough for himself to live up until he passed. When is the gal going to see it through? Now days, women and men can both work.

[@jimmymcgill6778]

@@BigRed2 He did leave them a lot.

[@amendaalmonte2236]

Even after his death this man is still taking care of his family.

[@RetirementbyDesign26]

❤❤❤❤❤❤❤

[@dialac1]

I love how she knew all her numbers before she called. Kudos on her husband for his planning

[@lisabaltzer4190]

She is intelligent. She will work this out and be fine.

[@user-xp9ry8yh9z]

Yes. There is nothing more frustrating than people who call the show without knowing their financial numbers.

[@LearnAsYouGo.]

Her husband did a great job setting his family up for financial success.

[@luthiify]

No he did not. He was sick for 3 years with CANCER and still didn't teach her how to handle the money.

[@gailrodgers3079]

He got them set up to have the finances they would need, but yes he should have taught her how to take care of the finances.

[@fiyamage]

@@luthiify so in addition to battling for his life being constantly in pain and keeping a stiff upper lip for his family, he should have been teaching her along the way when there are a bunch of resources that she could access and get the training. The husband did more than enough, and if I had to guess, he's probably done more than you have for your family.

[@neisci]

His health was the priority. I can see how this happened. And they'll probably holding on to hope that he would live. Her husband did great. That's how a man looks after his family.

[@cliffm8112]

​@@luthiifyTrue, She should have been learning the finances yrs ago

[@kathleencooney1518]

Dave made me cry because he was so kind to that lovely lady.

[@nonyelumdivinefavourobi9804]

Crying too. When my dad passed away my mom couldn't handle anything as she didn't have the guidance. In two years we were flat broke, my sister whom I love so much ended up hitting the streets. Till this day I wonder if I would ever get her back. I fought to have a career, get back to school and now blessed with a wonderful man. I pray everyday that he never passes suddenly like my dad did. I would be lost. The paranoia kills me sometimes. Oh well, guess I am going to have to stop crying now. Lol. I will pray for this caller everyday.

[@swannyriver75]

Bless the man who leaves his children an inheritance

[@Mr.Boring_Man]

Good husband. Awesome wife. Great advice. Sorry for her loss.

[@carlaritchie331]

Thanks, Dave, for your faith and generosity to bless this woman with the skills and knowledge she needs to confidently carry on after such a heartbreaking loss to her family. Great example to live out your beliefs.

[@fauxbro1983]

Unfortunate the husband past, but he did a great job ensuring his family can move forward from a finacial aspect

[@ModdedDreams]

Not to be rude, but in the future it’s “passed” like passed away not past as in the opposite of future :)

[@Ethiodawg]

She sounds like she is a smart woman. She will do great! My condolences to you and your family.

[@anthonys5568]

Good on you Mr Ramsey for helping out a fellow person of faith in need!

[@KiLLED5639]

If there was ever anyone to fully benefit from FPU, this lady is the prime candidate. Hopefully she's doing better now that a few months have passed by.

[@shannonrose4916]

This is why term life insurance is so important. Her situation could have been entirely different without it. She had a smart and loving husband. 🥰

[@dummgelauft]

Term life. Bought early. Buy it in your twenties.

[@kelliconlan8133]

Again...I'm crying broken hearts for this lady and also cry because Dave is loving and living out what the word of God says to do!

[@listerinr]

You need therapy.

[@e1bo]

Why are you even crying? The lady wasn't even crying. Get over yourself, you emotional wack.

[@kbanghart]

​@@listerinrand probably a new pastor

[@natetill812]

@@listerinryou probably do too

[@listerinr]

@@natetill812 nah, I have my emotions in check. But thank you for the concern 👍

[@John-du2mq]

Sell those properties. You do not want to be a landlord with 5 kids.

[@steelcastle5616]

Would your decision to sell be different if "she" was a "he"?

[@kbanghart]

​@@steelcastle5616probably lol. But personally, I'm a he and I don't want a rental property just bc I've seen too many people go through headaches. All I want and need is to make sure my primary residence is set up. I'll probably go into retirement with a small mortgage which will suck, but I have to deal with the reality.

[@steelcastle5616]

@@kbanghartLOL...I wish you good luck!

[@roathripper]

Nah, just get a letting agent take care of them

[@steelcastle5616]

@@roathripper You think the "letting agent" will do everything the husband was doing on the rentals?

[@Cata.w176]

Thank you uncle Dave! God bless you and the caller.

[@clwest3538]

Please check out the loan documents - including the car. My past loan docs had a 'death clause' in it. If I died, for any reason, my loan was paid off - my 'mortgage' and car both had it. Just something to check on.

[@John-du2mq]

What the heck, I have never heard of this. How would the banks just let that happen?

[@megalodon1726]

@@John-du2mq they didn't just let it happen. They tacked on a bit of life insurance to the loan, so they'd get paid if the borrower dies.

[@clwest3538]

@@John-du2mq No sure what you mean by "just let that happen" ... perhaps, like a life insurance policy, if you do not produce the documentation they cannot 'honor' it? Banks are not going to refuse a payoff of a loan rather than use their own 'insurance' ... I Happened to ask, as a young, ignorant person with my first car loan (late 80's), "what happens if I die?" and the bank pointed out the clause to me (they also pointed out a life insurance on my savings account - not sure if they still do that). I was always afraid I would pass away and leave my child with debts or something.

[@anndeecosita3586]

@@John-du2mqReally? My grandparents had this. Their mortgage loan had an insurance attached to it that said if he died the balance would be paid off. My grandma was a homemaker and would not have been able to pay it. I asked about this insurance when I bought my car but the salesman advised me against it since I am single with no children.

[@ElePranaityte]

​@@anndeecosita3586 but if you marry soon?

[@lisalister8002]

I'm sitting here crying.... so glad Dave is going to take care of her...

[@3ddiEdotcom]

God bless this dear lady and her family. ❤

[@Abelram1153]

Thanks Dave for helping guide this woman! LOVE IT!

[@KathyClark-us9op]

God Bless you for helping this lady. She has a load to pull.

[@susanedghill609]

@KathyClark-us9op ....agreed however, she has also done her part in educating herself in an area that is financially viable ....she sounds like she has herself and family together even though she is going through the sad season......

[@KathyClark-us9op]

No one said she didn't know what to do. She called in for advice. She got advice that she was doing it right. Your comment doesn't make any sense. She never even paid one bill before her husband died. They advised her that she wouldn't want to be a landlord. @@susanedghill609

[@lkj0822g]

A few points to consider: 1. This caller needs to sit down with a tax professional and determine the tax implications of selling the rentals. Lot of factors come into play here. 2. She could hire a property management company to manage the rentals. Of course, there are good and bad property managers just as there are good and bad tenants. You might exchange one issue for another. 3. $1200 monthly cash flow on $550k worth of properties sounds low to me.

[@adamchavez999]

She had a real MAN.

[@listerinr]

He didn't even show his wife how to handle money. Even with 3 years knowing time was limited.

[@mightyminifarm]

@@listerinrdo you have no shame? He provided. End of story.

[@kbanghart]

And now she can get bedroom performance from a different man.

[@rickyayy]

He provided her everything and more. And died for it.

[@listerinr]

@@mightyminifarm shame? He should have shame because his wife had to call into a radio show to get advice on how to use the money he left her. End of his story for sure

[@Nrustica]

These are my favorite calls

[@9liveslisa]

That would be a very overwhelming time in someone's life. She should be fine if she does what Dave says and she doesn't listen to advice from the peanut gallery.

[@swesr]

I would sell both income properties right away. Use that money to pay off the main house %100. Then I would fully invest that life insurance money

[@citygurrrl6387]

this!! this is why every adult in the household needs to know what the bills are, when they are paid, where the money is.

[@anndeecosita3586]

My grandma was a housewife. My granddaddy had their mortgage set up to where the balance on their house would be paid off if he died before he paid it off. He died. They built their new house when my mom was in high school. My grandma never had to make a mortgage payment. All the insurance money was then for her to pay for her needs plus she had his SS. This provided some peace of mind as she went through the process of reshaping her life. Especially if only one person works, this is something to look into.

[@nickhubsky3400]

It's good to be self financing just in case you lose or cannot rely on a partner to pay your bills or be on their medical plan.

[@nualanicghearailt8011]

In America - do you not have death in service benefit insurance? In Europe this is normal - your employer normally pays it and it means that if you die your estate gets 4 x times your salary. This is separate to any personal insurance life policy one might have. In addition, in Ireland and the UK, one has to take out mortgage protection insurance - meaning that if one dies, that policy kicks in and pays the remaining balance of your mortgage. This product is mandatory either a mortgage. This generally means that any proceeds from a personal life insurance policy don’t get eaten up by any outstanding mortgage.

[@rvog6584]

In general, benefits in Europe that r mandated 4 employers 2 provide ... don't occur in 'Murca. 😊 here, most employers offer modest life insurance policies 2 employees & then we can purchase additional coverage thru them.

[@deb9806]

So different than the widow a couple of years ago. Dave said someone helped her with her mortgage and she was really clueless with finances but didn't have the life insurance. I wish both of them well.

[@caseyhuchison1477]

"My book that my heavenly father gave me tells me to take care of widows". -A True Man of God

[@metoon3092]

*2 Rentals combined flow $1200 a month* Good Lord, dump them tomorrow!

[@user-rw8zj1td9v]

Don't sell the rentals....pay them off and keep them. Hire a property manager to cut back the hassle. Mainly because they will go up in value, it's not as much about the cashflow but even if they break even in that regard they will sell for way more when she's ready to retire. Appreciating asset.

[@HelosWorldRailroadReseller]

I understand your point but peace of mind has a value. She needs peace of mind.

[@user-rw8zj1td9v]

@@HelosWorldRailroadReseller that’s some expensive peace of mind

[@moonaj89]

Love this call!

[@rbraxton00]

Condolences. Very good 👍🏾.

[@jillgott6567]

Real estate is a good investment. However repairs need to be done by you or professionals then supervised. That takes time and money away from the rental income which wasnt that high to begin with. So selling the rentals is good, solid advice. Prayers for this family

[@luquest1848]

Wow. Nice one, Dave, and team! God bless, man!

[@kelvinjohnson4]

In these uncertain times, it's more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

[@RichardBayer]

If you need advice, consider speaking with a financial advisor. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.

[@LionTowercoporation]

you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counsellor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.

[@KelvinWallace]

@@LionTowercoporation would greatly appreciate if you could share some information about your financial advisor. I'm also interested in making positive changes to my finances this year, so any insights would be highly valuable to me.

[@LionTowercoporation]

Finding financial advisors like Colleen Janie Towe who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@KelvinWallace]

@@LionTowercoporation Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Coreyb55]

I wish her and her family the best 🙏🏼 Her husband was a great man

[@Salih_Ergül]

My heart goes to the entire community for PbatesLTD building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

[@davidmilhouscarter8198]

This is why both people should be working together on the finances.

[@suen5006]

Sorry for her loss. Too bad he didn't pull her in to show her how to manage the finances. All couples should do that, you never know how much time you have left, things can happen in an instant.

[@djpuplex]

Wow no debt from the husbands medical that's rare.

[@sadfasde3108]

No most people out out of pocket maximums that they can afford.

[@dummgelauft]

He probably had good employer provided insurance with manageable out-of-pocket.

[@thisguy7201]

Yes, her husband should've done this or that. But the fundamental thing still stands. If you're out of debt, you can afford to help out more to people in hard situations.

[@_CPerk]

Salute to her husband. See It up for her to worry just a little less

[@MiraMira0ntheWall]

Wow. He set her up wonderfully. Good job, husband.

[@indianatime]

I've handled our finances since we got married, but decided to move a majority to an advisor a couple of years ago, specifically because of this - want my wife who has not handled any finances for our 24 yr marriage, to have someone who understands our situation and give her competent and trusted advice if something happened to me.

[@jillgott6567]

I hope that Dave follows up with her and holds her hand through this for quite some time.

[@lisabaltzer4190]

I am a widow. My advice to this woman is to NEVER TRUST FAMILY when it comes to money, especially in laws. I also own a rental management company. Being a landlord is work and unexpected bills pop up all the time, so I agree, she should sell these houses. Most people have no idea how much work and expense it is, contrary to popular belief.

[@ChrisCardenDrums]

I mean I'd pay off all 3 mortgages and the car, she'd still have a healthy pile of cash she could set some aside for an emergency fund and invest the rest. that monthly income from the 2 houses would instantly turn into 1200 plus whatever the 2 mortgage payments are. If she decides she really doesn't wanna be a landlord, she can always sell the homes down the road and get a much bigger check walking away from them. It'd be different if it left her flat broke doing that.

[@Christonygomes5316]

I 💯 % agree 👍!

[@Aaa0483]

If you see this message Christin stay strong your are strong woman ALWAYS remember your lovely husband making him proud. He did a great job

[@USMCHelloKitty]

No credit cards! 👏 🙌

[@robloxvids2233]

Time to simplify. Sell the 2 rentals. Keep the primary mortgage at

[@jimmymcgill6778]

It'll be better for her to not pay off the rentals, but just sell them. They put the profits into an index.

[@adamseidel9780]

I’d balance it so she has the income she needs between her job and the cash flowing properties. She can keep maintenance cash around that exceeds her interest rate cost. But if she has the income she needs without it, probably easier to sell.

[@JustinCase780]

Jimmy wrong. Dave did advise to "sell the rentals" to pay off the house they live in.

[@aschulte7502]

@@JustinCase780 I wouldn't pay off the primary residence mortgage given how low the rate is. Sell the rentals, pay off the car, and invest the remainder. Invest the life insurance proceeds. Don't make any other big financial decisions for at least a year, giving yourself time to adapt to the new reality of being a single working mom.

[@JustinCase780]

@@aschulte7502 She doesn't yet have the cash flow to keep paying that mortgage and her husband wanted that paid off for her and the kids from the insurance to be set up without worries.

[@jimmymcgill6778]

@@adamseidel9780 She also said she haven't paid bills or does the finances in 15 years.

[@EmpressMermaid]

Parents, you can want "traditional gender roles" for your children all you want, but girls need to be taught how to support themselves and handle money and boys need to be taught how to keep a home, care for children, and tend to themselves. You never know what life will throw at you, what we don't want is for them to feel that they NEED to have the partner who is "supposed" to do that task. I've heard many a tale of a woman who finds herself alone getting tied a man she shouldn't be with because she feels she can't support herself and her kids. Likewise, there have been probably as many men who pair up with the first woman he sees because he can't take care of his home or children. Both can lead to feeling trapped in toxic, abusive marriages.

[@MattyLiam333]

I wonder if there may be a lesson in this tragic story. My heart goes out to the caller. So sad.

[@billydiaz7280]

This could be me if anything happens to my husband. He does the job and bills, I do the house and kids. I don't even know how to access our account on line. I buy groceries and gas and Walmart.

[@lisahinkofer2085]

Sell the two properties. Get rid of that headache. You are set for life because your husband is a good man. You are in a great position. So sorry for your loss. Go and live your life.

[@joeplem5329]

Imo this is why the majority of people have a YOLO mindset with money....tomorrow isn't promised. Cancer does NOT care how healthy or not you are.

[@sadfasde3108]

Very low odds of dying young. You should always make the right decision with the information you have at the time.

[@Psuedo-Nim]

Sell the rental properties. Agree with simplifying. The revenue generated isn't that huge; combined with the learning curve and risks a small landlord faces in a crazy legal culture that loves squatters is not worth it. Take the leftovers, and invest the majority, with substantial emergency fund, and the life insurance. Do NOT pay off the 2.65 mortgage. Beating a 2.65% rate is crazy easy. Paying it off early is losing money even considering only using moderate, conservative investments. You can get tax free 4%+ AAA municipals right now. you could ladder CD's to beat that interest rate.

[@listerinr]

Keep the rentals and hire a property manager. Give them to your kids in the future.

[@steelcastle5616]

1.2k/month won't cover a property manager and the maintenance for 5 rented properties.

[@listerinr]

@@steelcastle5616 property managers charge 10% of gross rents.

[@steelcastle5616]

@@listerinr Well so much for the monthly 1.2k monthly profit from the 5 properties. Between maintenance, insurance, and taxes it looks like a financial bomb waiting to explode.

[@listerinr]

@@steelcastle5616 they were doing fine before so what's the problem now. Do you even own rentals? I do. She should pay them off and now those rents are all profit.

[@steelcastle5616]

@@listerinr I don't need to own rentals to see the issue here. Let's not act like a working single mother of 5 kids can replace the support her husband was providing. Between her day job and kids, hiring a property manager won't cover her husband's support on the rentals...or any where else.

[@pwhudnall]

What about a property management place to help her keep the property and they can take the burden off of her.

[@genxx2724]

Property managers do not do a good job.

[@greggpurviance7252]

No, sell the property. Know a good PM but it is still a hassle

[@neeferpd]

A single mother of 5 with youngest only pre-school age who is also trying to build a career doesn't have time or energy to give to the headaches of rental property. The biggest investment she can make at this stage of life is in her children. She needs to go all in on parenting these kids, helping them to become productive adults with good character. She'll be just fine financially. With all that she has on her plate, I certainly wouldn't want to waste 15 minutes on rental properties. She's already got a nice real estate chunk in her home. It would be different if she were really interested in being a landlord but she said she's not.

[@bobdadruma]

Sell the rental properties. Pay off the house. Invest the real estate and ins money and earn 10% interest and dividends. Draw the money needed for expenses.

[@Tehui1974]

Damn, her husband really did well to take care of his family. My only criticism would be that he didn't fully upskill his wife about financial management.

[@sblijheid]

I think she should learn how to be a landlord. She has a kid that will need a place to live soon. These amounts look like the properties were bought when prices were still reasonable. In fact, her kids might hate her for selling the houses. It's not like she's scrambling for money and needs to sell.

[@TShirtAndReeboks]

Her kids have no right to hate her for doing whatever she decides with her assets!

[@ENİYİSİ2134]

Im staying in PbatesLTD till after ETFs being approved and will move into alts after that...

[@queen.kristal8395]

Husband did great making sure his kids were ok and yes sell and just take care of the kids they are going to take to much your time if u want to work work from home 🏡 to make expenses low

[@rabidgoon]

she needs to sell the rental properties.

[@roathripper]

surely a better idea is get a letting agent to cover the day to day - passive income baby!

[@rabidgoon]

@@roathripper rental agents are interested in making money for themselves, not owners. And an owner, who doesn’t know what they are doing, is ripe for being taken advantage of. If you don’t know what you’re doing, you can actually lose money on rental properties. Happens a lot. On the other hand, depending on how much equity she has in these homes or buildings, that money could be invested otherwise for better returns.

[@anndeecosita3586]

@@roathripperMaybe if the properties were paid off. She’s not making a ton off rent since there is still a mortgage and she would have to pay the management company.

[@amireallythatgrumpy6508]

Sorry honey but in the real world there is no such thing as passive income@@roathripper

[@sblijheid]

@anndeecosita3586 She has the money to pay off the mortgages and that's what her husband told her to do.

[@countessstevens63]

Dave shows empathy/sympathy in the beginning then wants to get straight to the numbers. He does not care 😂

[@flygirl2447]

How’s he gonna help if he doesn’t know the numbers?? 😂 There is limited time in a call-in situation. He’s a straight-shooter not a sugar-coater. Everyone knows that. He absolutely does care.

[@robloxvids2233]

Do NOT hire a Smartvestor Pro. You don't need to pay anyone to tell you simple stuff.

[@lorrainei1622]

I’ve been paying bills on my own since age 18, I feel sorry for this lady.

[@RafaelHernandez-vt8fu]

Respect to the dad and husband. 🫡

[@lorrainei1622]

It’s very important for women to be financially literate & independent in this day & age. Poor lady sounds lost & scared, I feel sorry for her.

[@Fpe_FanGame]

institutional buying into PbatesLTD could totally break the cycle and the peak expectation of end of 2025 will likely spectacularly fail to appear. If the last double peak was odd, the next one will catch most people out again.

[@Excalibur2]

Is this spam? Bots? What?

[@r.o2938]

Sell the rentals. Too much to handle with little kids and new bereavement.

[@rajbeekie7124]

Yes, this woman lost her husband. However, financially, she is in a great spot. I didn't see post on the survivor benefits from Social Security. She will get thousands every month. Add this to her salary if she works and they are set for life.

[@loriej9297]

Oh how I wish she had gotten involved in the family finances 3 years ago when her husband first got sick. But if she isn't confident in her ability to handle the family finances she definitely shouldn't be trying to handle 2 rental properties.

[@deathbysonar]

Hmmm, I wonder what happened three years ago that has been causing all this cancer? I’m sure if I poke around I can surely take a shot at finding out.

[@tinsy7105]

i love the teachings

[@TharsanJeyachandran]

Lit ep

[@n.g.1577]

"On us"? I wonder which part?

[@mgnoodle2589]

I would sell the rentals, pay off the house, set up trust funds for the kids, invest the rest, live off my job.

[@fredericadouze152]

He set his family up, they owned three properties while he was alive. She will send both rentals and put that money towards the main property 👏🏾

[@Fishouta]

You mean sell?

[@greggpurviance7252]

Sell the rentals

[@steelcastle5616]

Agreed. All it'll take is 1 or 2 bad renters and the rentals become a financial liability.

[@janhatcher6991]

sell those two rental properties. Don't be a landlord anymore. Keep your house or pay that off too. You have enough money to do that and hopefully you don't have any car payments. You can get a counseling job now that you got your masters that's exciting. So sorry to hear about your husband passing.

[@tkdevlop]

Cancer suks

[@truenorthriders6083]

Didn't even care about her husband. Even in death she still complains about him.

[@natetill812]

Long live her husband

[@DawnMaxwell-y4z]

“ What happened “ is sooooo rude !

[@user-xp9ry8yh9z]

Agreed. If the person doesn't offer the details, it's best not to ask. What if he had committed suicide? or was murdered?

[@dummgelauft]

I never understand how and why people who can't afford a lot of kids have a lot of them, and those that they can only have a couple of kids, if that. $720K, with 5 kids, and three mortgages won't go very far. Still, better than a lot of people that call this show. Must have been a good, responsible man. Let her keep the rentals. She will need the cash flow.

[@megalodon1726]

She doesn't even know how to manage her own household finances. She won't be able to manage the hassles of 2 rentals.

[@dummgelauft]

@megalodon1726 for now, it maybe challenging for her, but she is 39. She will move on. Her oldest will be 21 in a fee years. In the meantime, the rentals could be managed by a property management company. She won't cash flow the $1200. It will probably be $500, after the management company takes their cut, but having cash flowing rentals when one is older, is awesome. But, whatever

[@megalodon1726]

@@dummgelauft if she sells the properties and uses the proceeds to pay off her primary home, her mortgage goes away and that will improve her cash flow by certainly more than $500/month.

[@creolelady182]

incredible to me that these wives dont know how to handle the business of marriage

[@garyclark6427]

As a widower I could have used this advice 8 years ago. I’m crunching the numbers and what I see is the interest on that remaining mortgage once paid off is going to result in close to that $1,200 cash flow from the rental properties. She still has the property tax deduction on the main home.

[@wewhoareabouttodiesaluteyo9303]

She should put all the mortgages on the primary.

[@HTOWN535]

For the idiots saying he didn’t set his family up well. None of you have a million to leave your family. This guy did great and at least she wants to learn. Doom and gloom people as always.

[@bravotrades5614]

Go against his plan, undo everything he built, throw it in stocks and go back to work? Thats the advice?

[@DJRiyzen]

All of her kids are in school, so she can work in the mornings. Not working, isn't good for your mental health. I would know, being off work, for half a decade, with an injury. Life becomes bland.

[@jimmymcgill6778]

$1200 profit from rentals is not a lot.

[@cita_m]

Her life has changed drastically. She has to do what's best for her kids and herself. Don't judge this situation so harshly unless you've been in it.

[@bravotrades5614]

​​@@jimmymcgill6778 She said they "Net" $1200, with the debt. The rental mortgages are probably $3k-$4k. She could clear the debt, and be earning $4k-5k a month, and have $256k left over earning $1k a month in a High yield savings account... Now she's making $6k a month, zero debt, and give herself some time to decide if selling the properties is necessary. Not make some impulse decision to sell everything and "invest it", so she strapped for cash a forced back to work... She does not need to rush into changing the path he spent 16 years creating for his family.

[@jaygold4467]

Oh, the problems of the wealthy people.

[@liorap5636]

Wow

[@kyleallen6129]

Most definitely not first

[@wewhoareabouttodiesaluteyo9303]

Third actually. Nice try though.

[@sharath20501]

Why have. 5 kids and make like challenging

[@SingingThroughLife]

Her life. Her choices. Maybe she loves children. ❤️ That's the beauty of free will. I do think it's important for women to have their own thing going on because of situations like this....but she couldn't have anticipated this. Prayers to her family.

[@sasukesuite1]

Caller: “Hi Dave, I have debt” Dave: “Pay it off” Caller: “The interest rate is -(1 million)%, they pay me to have the debt” Dave: “Doesn’t matter, pay it off”