I'm 42, My Husband Just Died. I Need Advice

[@camman6912]

I lost my wife in 89 to cancer She was only 31 I wish I had Dave around at that time to give me advise He’s wonderful

[@johansvensson830]

I'm so sorry too. God bless you ❤

[@drizzyfest6285]

God bless you 🙏🏼

[@2themaster]

So thankfully this dad made sure his family was financially okay. This is the reason you buy life insurance.

[@bneyens]

I am 37 and got a $750k life insurance policy for $56 a month from Prudential. I am in good health.

[@Elite54.]

kids ?

[@Mr.Legend_Speaks]

Bob Marley can I put my name on your will???

[@SerbSimulator]

This was great, been searching for "find a husband after 40" for a while now, and I think this has helped. You ever tried - Denrooklyn Wedlock Enhancer - (Have a quick look on google cant remember the place now ) ? Ive heard some incredible things about it and my colleague got excellent results with it.

[@TheJeffdabomb]

I'm sorry to be a downer... but having $400k of life insurance on a guy who makes $70-$80k/year is grossly underinsured. Especially if he had 3 kids (they'll need braces, food, a permenant house for the family to live in now, college tuition for 3, etc). I work for a CFP, and I'm estimating this man needed at least ~$1.3M of insurance to protect the loss of income that he would have brought to his family were he to still be alive. Probably more, since the wife was a stay at home mom with no income, and therefore no 401k/retirement to build for herself. Not trying to beat up on anyone, and I'm happy that he was smart to get at least some insurance, but hoping to warn people out there that you will probably need more life insurance than you think.

[@nadiaroumane1789]

My dad died when I was 9 and my sister was 1. My mum was a stay at home mum while my dad worked. Thank god he worked for the company he was working for. They gave my mum enough money to pay off the entire house and she gets money each month for the rest of her life to live on, and my sister and I get money each month until we're 18 or finish full time education. I'm so thankful.

[@Xydorf]

What a wonderful company!!

[@jeaniecolleen1739]

He gives such good advise. I lost my husband over 8 years ago and was given great advise by my pastor and my 4 school aged kids and I are doing well today.

[@Jo71603]

Hi Jeanie! That's good to hear!

[@chuckhockey9464]

Sorry

[@jeaniecolleen1739]

@@barbararuiz2352 I'M SORRY FOR YOUR LOSS. IT HAS BEEN OVER 12.5 YEARS AND WE ARE STILL DOING WELL.

[@shannonland1137]

The fact that she was in pain and still brave to call for help

[@donnawheeler2195]

Lost my hubby in 2007. It took a good 18 months to get a grip on peace again. My heart goes out to this lady. Been there. Nobody wants to be in the widow/widower club.

[@cathy3546]

I agree. Nobody wants to part of the widow/widower club. Sadly we don't get a choice on joining the club.

[@Krys.T]

Condolences to this family. I can't imagine the pain they feel right now. So happy that they are in a good place financially that they could focus on getting through they grief and don't need to feel rushed to make any big decisions. Praying for peace for them and may God bless them

[@Meira750]

We don't know that. She doesn't even know where the insurance policy is for her. I don't believe there is one. You can put multiple beneficiaries on one policy. Did he have a will? Dunno, doesn't sound like it. I had a Great Aunt whose husband took good care of her in life but left everything to his kids. She went from having a comfortable life to taking in laundry.

[@ij1376]

What a great man. Why anyone has problems with him or his company or his teachings I may never understand.

[@trueCrimeGuruYes]

I'm in the same situation as her, but if he asked me about what church I go to, um my childhood family was very anti religion and I just wasn't brought up like that my parents were atheists that called themselves agnostics but talked like atheists so I haven't been brought up that way.

[@golightly5121]

Larry Burkett was a wonderful godly man, the principles that Dave uses are from him.

[@bennri]

He does expose scammers and bad deals, even from major companies

[@ominous450]

This call hits home for me. My brother passed away August 2016. It's been very difficult for all of us. I had been watching Dave Ramsey since around March 2016 so I knew not to make any big financial decisions. I even stopped paying extra on my loans. I've just been saving. My mom though she just financed a $36,000 car. Normally I'd tell her it was a poor financial decision but I knew she was medicate spending and it's helped cheer her up so I didn't say anything other than try to be happy for her

[@donaldlouie7354]

Great advice and sympathy, Dave!

[@Iszea]

I lost my mum last year (very suddenly, in less than 24 hours she went from being healthy to passing away and she was young) and i did a lot of impulse spending. It was all money i have in the bank but i dont regret it at all. All up i spent about $5000, including a very well needed holiday. I dont regret it one bit, you do anything you need to to survive and the things i bought gave me a little bit of happiness in what still is one of the darkest times of my life.

[@ryandevid3449]

I love the way Dave can calm people

[@a.b.d.3974]

This happened 2017 hope she is doing well.

[@johnclinton8435]

I have not lost anyone but i feel the pain deeply in my heart. My heart goes for those who lost their love ones regardless whether it was recent or long time ago. It's a hard situation to be in. My prayers are with you.

[@gljenni1977]

My husband brad died dec 22 2019...due to complications from an accident that happened on Nov 5 2019..he passed at home..we were married almost 20 years..i miss him and love him

[@imad910]

gljenni1977 I am sorry for your loss, ma’am

[@monicaxyooj905]

My sincere condolence to you. That's a huge void in your heart. Sending you my hug and prayer.

[@chuckhockey9464]

Get a grief counselor and find a financial advisor. So sorry

[@chuckhockey9464]

Get plugged in with a Dave approved financial advisor/ grief counselor for you

[@cathy3546]

I am so sorry for your loss. I understand your pain as I lost both my parents and husband within 3 months.

[@yoyomo5901]

Hi Dave. I am in a very similar situation as your caller. Thank you for your very sound advice as I can apply it to my life right now. I miss my husband so much.

[@isaacmiraldi9168]

Hope you are doing better!!

[@jehenisus]

All the best wishes

[@TheRjmsca]

God bless you

[@hoome260]

I’m 42 n just lost my husband. Sadly, my husband n I were just planning our life insurance, retirement, etc. but I was blessed with family n amazing friends who helped with his funeral cost. We were able to lay my husband to rest close to his parents. To me, that’s better than any life insurance payout but if I had the choice, I would rather have my husband here with me n be poor together. It’s true what Dave said, some days r better than others. I hope this family is doing better

[@EuniceRadebe]

My husband passed away last year, I am still in pain, the worse part Is that am preparing to make a unveiling for him next month but no proper preparation because when ever I think about this I cried help me what to do just to cope

[@timjoygray]

Very strong woman, my mom passed a year ago and recieved money from her life insurance. we paid everything off (student loan from nursing school, credit cards, cars, medical bills for my cancer) except our house. i didnt want to waste the life insurance on stupid things.

[@Meira750]

Nope, strong women insist on knowing their financial situation to the penny, just in case, doesn't matter how well he takes care of her while he's alive. And if there are step children, even more so. Why a separate life policy for daughter? He hid stuff he doesn't want her to have. No will? BIG RED FLAG.

[@Crazycooco]

@@Meira750you’re a jerk

[@venusiandesigns]

I'm so sorry for your loss, Dave my God bless you for everything you do for others 🙏🏼

[@mdwildcat04]

Bless you Dave for that, and curse your audio guy for the audio levels on that video......

[@OHDTX0311]

mdwildcat04 maybe it was the Ladys phone. Maybe she had metro pcs or boost mobile

[@bennri]

@@OHDTX0311 boost? No, it *needed* a boost (sorry for the stupid joke)

[@stephaniejane306]

So thankful that this dad covered his family. My family had a scare a few months back. My dad had a heart attack and had to get triple bypass surgery. He had little chance of surviving the surgery. Thank the Gracious Lord he did. But before the surgery we (his immediate family) made sure everything was tied up in a bow. The will, the power of attorney, enduring guardian, advance health plan, everything. And he made sure that we knew his wishes and the doctors and lawyer knew his wishes. He is perfectly fine now but there is peace of mind there to know everything is done and dusted. He has enough tucked away in his retirement and life insurance that we can easily pay off debts including the house and put some to investment. I started to listen to Dave a couple months before his heart attack so I now have knowledge on how to handle money. Thankyou Dave.

[@darlenepaul2934]

He didn't though.He should've he a million in insurance at his income and with a larger family like he had.

[@mistatoone]

same thing happened to my family. my dad passed away 2 years ago next week. my mom quit her job and started impulse buying everything. we got 200 k from his life insurance and my mom burned through it in less then a year. but she bought a double wide on a 10 acre lot so she doesnt have a house payment so thats good. but it's 3 hours away from where I went to high school. I had to get a job and move out before I graduated. really wish my mom was better with that money because she is broke and struggling to pay her total of 500 in bills for a month. wish she would've seen this before she made any rash decisions. hope everything goes well for this family. I know what your going through and it isn't easy. but everything will be okay and you just have to take it one step at a time. best of wishes to them

[@janebaker4912]

Mista Toone oh my god!! You poor thing!

[@miguelrobb5719]

Mista Toone all of your mom had to do was just buy the doublewide and that's it. She could live rent free and only have to pay property taxes for the land.

[@BusArch42]

This was my dads fear if he passed first. He left strict instructions that I was to move mom a block away and manage her money closely. He had things in great shape but he was afraid she would just go crazy. She ended up gone first so I dodged that chore

[@ambergerhart8346]

Dave we absolutely love you. You are an incredible human being and amazing with money. So so so thankful to be around when you are here to lead us!!!!!!!!

[@ceciliapreziose3783]

minor children each get SS, she needs to go to SS with death certificate and start collection till 18

[@rextm5396]

Yes great point.

[@justinc2633]

Yeah i signed my kids to up to serve with the SS at a very young age, no regrets.

[@crazeekids9744]

@@justinc2633 Go away, troll....

[@mandysimmons2769]

Very Gentle and loving.

[@PInk77W1]

My friend had 7 kids. Her husband fell over dead with a heart attack at 49. She was pennyless. She got a job and raised her kids. It was not ez but she did it.

[@rosaliamartinez8956]

Good God to the lady's who is trying to c shame a women who still was able to support all her children on their own.

[@mabelw7]

problem is society does not have good jobs for working moms

[@stephaniep1761]

Lisa Michelle why does everyone have to shame women who have a lot of children? Maybe their understanding of life is deeper than your superficial view.

[@TartarianTopG]

Day before Christmas wow so very sad

[@MaJieMao]

400,000 is good many people only have 100,000 to 300,000 life insurance.

[@truckingwithtobee]

You are such a blessing, Dave.

[@mikstratok]

jeeezuz!, whoever edited this needs to be more careful, the volume at the end of the video goes suddenly super loud

[@bennri]

Audio in the clip is low, at the end is normal. I do wish KZbin had an auto level control, I'll request it as a feature on their support page

[@EllieofAzeroth]

Thank you for warning my eardrums

[@skyraider1656]

When I lost my wife of 42 years to cancer 9 years ago, the first thing I did after her funeral was to sit down and get a total of my financial obligations so I had a square one so to speak to proceed from. I contacted our credit card companies to close her accounts. I was informed that she was the owner on the cards and I was just an authorized user. That being the said, the debts were written off because she was now deceased and her estate was insolvent, thus I wasn’t obligated to pay them off. After sending them death certificates and a letter from our attorney, I was basically debt free. One lesson I learned from all this was to never put both parties names on car loans, car registrations, and credit cards.

[@angelikalaser7778]

I'm so sorry for your loss! The lesson you should have learned is not to have any Credit Cards and some cash so your loved ones can pay for the funeral and don't have to call anyone

[@lijohnyoutube101]

I am so sorry for both your loss and your perception of the lesson. Just having debt erased doesn’t fix problem that caused the insolvency to begin with.

[@elitesportstakes9913]

He only left them 400K?!? What?!? I mean that’s way better than nothing. But when she said there were two life insurance policies I expected a lot more than that.

[@aa-qx1cg]

He was making $70k a year so he left them about 6 years of his income. That's more than a regular life insurance.

[@jcpowerevangelism]

you're awesome Dave!!

[@Duckywucky92]

Dave just said this is amazing thing for her kids to go through what the heck

[@KristenHH]

She's blessed she had so much to fall back on. My husband is dying and insurance is only 100k. Not even enough to pay for a house.

[@rs7458]

May the Lord keep watching over her. I hope she’s okay.

[@Eagles.Fan.Since.Super.Bowl.52]

8:04. Major audio level jump

[@diamondjohnson3219]

This man had some wisdom making sure his family would be taken care of

[@jjuniper274]

Dave, I need help like this. We did not have insurance. My husband did not believe in it. :( Please help! I work, and don't think I could get on the air with you. Any advice would help.

[@sbrazenor2]

He normally doesn't come into the comments section, but I do know that they have people that manage e-mails from the website that they have. Primarily the advice is about the same as a 'normal' single person or single parent household. Firstly, you have to regulate spending based on the income that you can obtain. Secondly, you have to have a good inventory of what you're up against. (Some people don't even know what they own, owe, or have owed to them.) Thirdly, you've got to figure based on a surplus of income or with additional earnings and selling items, how to get yourself debt free ASAP. (With at least $1000 as an emergency fund.) Then you'll want to put together savings. (His normal rule is 3-6 months, with 3 being more appropriate for single people and 6 for married people or those with children.) Then you'll start working on retirement, educational planning for children and paying off a home. (baby steps 4-6.) I'm not one of Dave's people (and employee or financial counselor, but I do have a personal finance background), but I have read his program and I'm swiftly pushing through baby step 2 myself. I do have the skills and experience to help with budgeting and planning, if you did need any help. There's also Financial Peace University and if you can't afford it, I know sometimes people will help you along and give it to you - so that you have a support structure in place and a plan. Losing someone is hard. Losing someone that's the primary earner in a household without insurance, is unfathomably difficult. I certainly wish you the best with that. I can only imagine how hard it must be. Even being single, I have insurances so that upon my death my family (mother, sisters, nieces and nephews) will have a paid off house, car, and about $210,000 of life insurance. (Eventually if I have a wife and kids, that'll go to them, obviously.)

[@isaacmiraldi9168]

@@sbrazenor2 it is people like you who take 10 min to type up a comment to help a lady you don't know, it is people like you who help restore my faith in humanity. Thank you.

[@hellogbye.2047]

SeanFromPVD you’re awesome

[@hymnodyhands]

@@sbrazenor2 MUCH RESPECT, sir, for you taking the time to break all this down for someone online.

[@dlzk12]

Great Dad.He took care of his family

[@lionelhuts875]

At the risk of sounding heartless, he was underinsured. $400k is not enough. Ideally, you want enough insurance so that the average annual investment gains will equal your wages when you are living and working. That means he should have had about $1M in coverage for his situation.

[@Josh-zk7pf]

Man this video made me hurt so bad for her, poor Kim

[@Ms-Jones]

praying for your family 🙏

[@isabelomolo8853]

Ughhhh 😢😢😢😢, so sorry Kim💔

[@kennsaunders1690]

I lost my wife in 2002 at age 37. I raised our then 5-1/2 year old and a 21 month old. We had life insurance and mortgage insurance. Cost of mortgage insurance for both of us was only a $1.00 a day .

[@kennsaunders1690]

@Bonnie Holman Thank you Bonnie, I don't know you or where you are in the world. I am in Canada in the Province of Ontario near Detroit. Thank you, we made it and survived our loss, and 17 years later my boys are doing amazing.

[@cathythomson1]

hi ken. well done for looking after your sons. wish my dad had your strength. his wife/my mum died age just 32 leaving 6 kids and he walked away back to his own mum. us kids got past from pillar to post all our young lives. 2 died young. I survived it all but even now I'm 60 I wished he'd taken care of us all. so I take my hat off to you and you shoild be very proud and your kids should love you for just being there and having to deal with loosing your wife and coping with your young family. god will reward you.

[@gailrodgers3079]

She needs to apply for Social Security as well.

[@bestly802]

take a vacation with your kids, they need it. Nothing too big, a Disney trip or something but don't do it too soon either. Wait a few weeks or months. Her older kids are probably thinking about how they're going to help their mom and their 6 year old bro/sis when they turn 16 years old and can get a job. They will grow a lot faster now.

[@janebaker4912]

Viet PopLove I don't think I could have fun after death, but a get away to a Forrest retreat could be nice.

[@Crazycooco]

@@janebaker4912it’s a good distraction

[@maryrenaud6732]

I assume she and family are eligible for social security income payments due to death of a worker. Filing for benefits right away should be the #1 step as the payments may cover the bulk of her family expenses.

[@johnlewis195]

Prayers to you and your family.... I lost my husband at 45..its going to be good days and bad days...just remember he is still around you

[@NaNa-lt1po]

This is why we need to make sure as parents that kids be prepared about death... one of the benefits of having an extended family is that you hear from a early age about someone passing and it sort of cushions the pain a little. Of course, a parent dying is no comparison.. but atleast it keeps you from losing it...

[@unnamedchannel1237]

Answer is not to have children. It is The biggest thing you can do to reduce your carbon foot print

[@Crazycooco]

No child/teen should ever have to deal with the loss of a parent. It’s an awful thing to deal with

[@the_expidition427]

@@unnamedchannel1237 Those type of movements tend to die out and it's large enterprises that need to look at carbon foot print from China to rest of Asia. Funny meme

[@johnhodgson9631]

Very well said, Dave.

[@jessicahandler525]

I am new to the channel but love Dave’s advice

[@primabellas6856]

She should receive about 3k/month from social security for her kids. She probably won't even need to dip into the 400k, if she doesn't want to.

[@sethbender2863]

I feel so bad for her. It sucks she only got 400k but that is so much better than parents that leave nothing.

[@FR-tb7xh]

If you are referring to adult children, I disagree. We expect to outlive our parents, and we shouldn’t expect to inherit anything. Inheritance is a privilege, not a right. We don’t expect to lose our spouses in the prime of their lives. This family was dependent on the husband’s income, and they’d been raising their children together. His death was premature and catastrophic in every way at a time when their young children’s needs are the greatest they will ever be.

[@robw4ltz408]

Well Dave you’re a star, all power to you. 🇳🇿

[@angelatheriault8855]

My teenage daughter had a friend whose father was killed in an auto accident. The family got 450,000 in insurance and had blown through all of it in just under two years. They had leased two expensive cars that they couldn’t pay for and had to return. Grief spending is a real thing. They hadn’t even put any money aside for the 16 year old daughter to go to college out of the insurance money. They lost their house too. The mother’s sister and father circled her like sharks and got them to buy cars for them and “ loan” them cash that they never repaid. Her sister even stole checks and stole money from them and she wouldn’t prosecute. If you won’t prosecute your bank will not cover the thefts. It was terrible.

[@michelestellar153]

Three dependent kids, Social Security will be a big help

[@gregcarlson8438]

Wait...he isn’t better than he deserves?

[@califdad4]

wouldn't be be best to spend about half and buy a house to live in ? rents have been going up and up . My Mom was 69 when my Dad passed away and went through a grief class and they recommended not doing anything major financially for a year

[@Curiousnessify]

The audio peak at 8:04 almost set me up there with her husband.

[@lindaglandt5417]

I just found out that my husband has passed away in Facebook and the hospital had told me he was discharged and my granddaughter had all rights of his way of being put to rest and his ashes me and my son need help of are rights of are loss one please let me know what I can do in ilive in Sacramento and he lived in Las Vegas I need to talk to a lawyer to help us

[@patricianelson8]

I disagree about having one car. Once I gave my extra car away, mine broke down and had to get rides to work, drop kids off at daycare. What a mess.

[@franniefargo9454]

GBM4. I feel for you. I am a GBM4 widow too.

[@rhondawiggins5728]

She will also get Social Security for each of those children.

[@karenmcgraw3815]

DEAREST DAVE, I NEED YOU HELP.

[@kjensen7]

AWESOME advice!!

[@lydiachee4800]

I enjoy watching your videos. Very down to earth, so practical, Biblical and full of wisdom. I am learning alot. God bless you for not being money minded but really reaching out to humanity. Money is important but not everything is money. God bless you.

[@ahom_ahom_ahom]

What happens if a man (one recipient of the trust) dies before a trust is executed in California... Doe the wife get his share of the trust, because it's a community state? Or do we need to arrange that with an attorney before it happens?

[@jenacellos614]

Please gave me some answer. My husband passed away 2 weeks ago. Before we get married he already made a will, he own house. but I'm not sure if he made a new will after we get married! If my husband did not made a new will do I can have right to he's property?

[@GBU61]

She should wait a year if possible before she decides what to do. She should also study about handling money first and talk to at least 3 financial advisers. She could also take a class on investment to learn how it works. A home would be a good investment and she could purchase one outright, so that would be one thing. I would invest half of what is left and keep at least a quarter of it in savings.

[@georgeross6304]

Agree, but even with 6% return, $24000 will not enough for kids. She must find work.

[@mariegriffinskonecki1081]

I AM HORRIFIED, BUT REFUSE TO FEAR! MY FUTURE TO MY END IS NOW SETTING IN...BEEN MARRIED 0VER 43 YEARS. MY HUSBAND (RETIRED POLICE CHIEF) IS RAPIDLY DECLINING IN HEALTH AND WE HAVE A HOUSE WE CANNOT SELL (5 BEDROOM BRICK HOME, TOO MUCH WORK) AND MY HEALTH IS QUESTIONABLE. I WOULD BE HAPPIER, HEALTHIER, AND WEALTHY IF I DID NOT HAVE THIS HOUSE TO TEND TO CONSTANTLY! WHEN HE PASSES, HOW CAN I GET RID OF THIS HOUSE FAST TO LIVE MY DREAM??? TO LIVE IN A VEHICLE THE REST OF MY LIFE (LEAST OVERHEAD) AND TRAVEL, PREACH WHAT GOD HAS DONE FOR ME, HELP OTHERS (HOMELESS) ANY WAY, SHAPE OR FORM ($)...ESPECIALLY OF THE HOUSEHOLD OF FAITH, DO CRAFTS, READ, WRITE BOOKS ON THE OVER 300 "MIRACLES, WONDERS, AND SIGNS" AC 2:22 GOD GRANTED ME, EVEN GAVE WITHOUT THE ASKING! GOD GAVE ME THE GREATEST EVER TESTIMONY (BESIDES MARY'S TESTIMONY), I'VE WITNESSED MANY ANGELS, MANY NDES, SAW HEAVEN & JESUS, INCREDIBLE HEALINGS, INSTRUCTIONS, THE DESTRUCTION OF MY ENEMIES, VISIONS, DREAMS, PROPHESIES COME TRUE, WITNESSED THINGS THAT THE ICONS OF THE BIBLE DID, DISCOVERED MYSELF IN THE BIBLE...I HAD "THE OPERATION OF HIS HANDS" PS 28:5, IS 5:12 < NUMBERS (IN ORDER) ARE MY BIRTHDAY, LETTERS = "SPINE" HE HEALED AUG. 22, 1996 8AM, HIS HANDS WHERE INSIDE MY BACK FOR 3-1/2 DAYS LIKE A BRACE!!! GOD GAVE ME THE GREATEST INVENTION OF ALL TIME, ETC. HOW CAN I GET HELP WITH GETTING RID OF MY HOUSE ASAP, I WON'T BE ABLE TO AFFORD WHEN JOSEPH DIES? MY TESTIMONY IS TO BE WORLD NEWS BUT THE BROTHERS AND SISTERS NEED TO HELP ME, I CAN'T DO EVERYTHING! HELP!

[@7rlalko]

AMEN, FOR PEOPLE LIKE THEM ND THANK GOD HE HAD INSURANCE.

[@crusindc5282]

Sad

[@matrixkernel]

What’s his advice on pre-paid funerals. I want to do one now to lock in today’s prices. I also don’t want my family to have the stress of arranging it. I’m in my early 40’s.

[@lionelhuts875]

While you may lock in today's prices, you also lock in the loss of the opportunity cost - what you could earn if you invest the money from now until the actual funeral.

[@matrixkernel]

Thanks I did it anyway. It’ll cost me 1700 a year for next ten years. I basically gave up cable and restaurant Sunday’s. I also have the option just paying it off now at 10000. There’s still plenty of income left over for investing.

[@habibialisha5117]

Dave is wrong about not having 2 cars: when one breaks down you have a backup. If both are paid off, keep them both.

[@justwait9822]

Just get it fixed if it breaks down. If you have 2 cars you have to keep insurance on both or else you won't be able to drive the other one if the first breaks down. Also would have to do yearly registration fees and state emissions/ safety for 2 cars instead of 1. It's also sitting there depreciating and not being used. Sell it, drive the wheels off the van and get a cheap used car when it breaks down.

[@Meira750]

Yep and one kid is close to driving age.

[@kristinemarkle4367]

contact Socal Security ASAP. You will get cash benefits each month for each child up age 18. Remember that surviving spouses can retire on deceased partners Social Security at age 60. Also there is a very small death benefit that would probably pay for a months groceries. All this helped me a lot when I was 44 and my husband unexpectdly died. God bless in this tough time.

[@dpeagles]

audio was horrific

[@TheAmwroble]

HULK SMASH BUTTON!!!!!!!

[@jaypence332]

👂🏻🎧🎚: "HEY, GUYS!!!!!!!!"

[@WCGwkf]

Does Dave hire interns only to do the audio? Full volume and straining to hear

[@christianmalinao]

And at the end they insert Dave's "Hey Guys" clip with your volume still at full. That made me jump up my seat. 🤣🤣🤣

[@coreyharrison2732]

I’m wearing almost those same shoes except opposite situation she was SAHM I did almost exactly what Dave explains here. With one exception I also had a good will drawn up to protect and provide in case something happened to me

[@rosaliamartinez8956]

Lisa Mish. You should not tell some one how many children they should have it may be becuse of religion or simply a decision made by a husband and wife. Women can't win I feel you have the conservatives telling them what to do with her body if she becomes pregnant than we have outhers saying they are horrible for gaving to many baby's. We women should support what ever a women decides to do . Do I think it was a good idea to v have seven children ? It dosen t matter what I think . This lady brought up her kids by a lot of hard work ,I'm shure it wasn't easy. Thire are couples with one child and are not great at providing for thire one kid.

[@RandyLott]

I've been there, only it was sudden death from a heart attack (two weeks after 9/11). My dad died when he was 44 and I was 12. My mom is an absolute warrior. She raised two responsible, successful men all while dealing with bipolar disorder. She didn't have any financial knowledge, but she tried her best. The good news is my dad was cheap! That rubbed off a bit on us boys.

[@janroach1852]

Terrible loss. Thank God for Social Security widow benefits and your children will receive benefits until they are eighteen. I would imagine Social Security may be along the lines of close to $3,000 a month. Save and invest the money by following Dave's advice. If you go back to work your children will still receive their benefits from Social Security. I imagine you might want to hold off on that until your six year old is a bit older to go back to work. Maybe you could start a home business or work at home when you are able to.

[@athenalovesdance]

Social security benefits only up to age 16

[@jessicalamarre3345]

This man didn't have enough insurance.... :(

[@darlenepaul2934]

jessica lamarre You're right. His wife will have to cut back drastically and get a job to survive.

[@peacepharvin7799]

He had $400,000.00 of total insurance. Enough for what?

[@rajbeekie7124]

This woman will be quite fine. She will get tens of thousands of $$ in social security benefits. She and her three children will be eligible. Social security is insurance. He was making good money. They will be more than fine.

[@Pennyk900]

With kids you need a 1 million dollar policy on your husband. Wives need to be insured too 1 million too. Same amount.

[@daninbox]

400k and no debt is still something to be grateful for.

[@discoverybricks3694]

I can see why Ramsey doesn't have any hair. I'd be pulling out my hair having to listen to these callers. You don't know his pension?! Really?!

[@kenfinney7642]

Pensions are very confusing, there are often several options of how much the pensioner gets versus how much the spouse gets. It can sometimes take months for the company to figure out how much to pay.

[@discoverybricks3694]

​@@kenfinney7642 God bless her if she's even got a pension coming. MOST people do not have a pension.

[@tishmarie22]

My husband died 8 years ago and I lost everything. So now I sell life insurance to make sure what happened to me doesn’t happen to you! Tish Hutchinson life and health Agent

[@truthlove1114]

Considering the setting on this call it’s pretty distasteful to advertise your job. Your comment was fine up until you advertised yourself.

[@reikitarot4659]

Wow my husbands policy was 5000 :) ...

[@Duckywucky92]

Omg why can’t she talk

[@Duckywucky92]

This guy left his family SOL

[@emmaleebuzzard1023]

😭

[@imbonnie]

She should buy 2 rentals and live off the income.

[@MP-nj1qy]

She forgot to say "thank you"

[@suecrane1999]

Don't be an ass

[@erodz2943]

I can't make out what he died of.

[@adrianguardiola9837]

E Rodriguez this is Memphis where there is someone shot on the news every night. I used to love there.

[@bwilli301]

I think it was some sort of cancer.

[@mrsfresh2o_778]

GBM Glioblastoma terminal cancer

[@peacepharvin7799]

Why does it matter?

[@CollinMac96]

@@peacepharvin7799 because he did not understand why he died, that is why it matters. Pretty obvious

[@kailashnair4447]

Audio was horrible on this call. Could hardly hear anythi g

[@Wall2000x]

I hate to say it over and over: get a job.

[@xfhnhhgjbvcfg]

My advice is to get a new husband

[@cashkitty3472]

Buy a house and get a job

[@robertdepesci3418]

Why does she sound like she's 70?

[@Meira750]

Cause she's been crying for 3 weeks?

[@araineacutebrownnurse7315]

I was going to ask the same thing. I didn’t want to sound insensitive but she does sound like an elderly woman.

[@raquelalhaqab5994]

She’s doing better than 90% of widowed women. What the heck is she complaining about? Omg she may have to get a job or live a lesser life style.

[@georgeross6304]

Why you need to be mean on this? 400K is a lot of money? You cannot even buy a decent home in somewhere else (well, it is enough in Memphis).

[@modap3000]

Well, maybe he would have had less stress and lived longer if she worked.

[@TheHeebieGeebie]

modap3000 how idiotic. No one knows why these things happen. People of all walks of life get this.

[@jordanneedscoffee]

that's just a disgusting thing to say. Blaming a widow for the death of her husband based on nothing but ridiculous speculation. Who says he didn't want to be a man and provide for his family so his wife could be a mother to his kids?

[@williamwallace1385]

Lisa Michelle to be a parent???

[@carolyndavis6657]

@@LisaLisaCJ she was working by taking care of her family including her husband. Sad that raising children and making a home is no longer respected. I would think it would be less stressful for the husband that his wife is taking care of all those other mundane things.

[@HerHealthyHome]

@@carolyndavis6657 If you read her comment you see that she said she personally is paying a price. It's personal for her and it clouds her vision to the fact that a one income family could work for some. I'm a stay at home mom, I recognize that my husband will get tired of working which is why we are saving money so he can retire at 55. We also will be working on paying off our mortgage in 10 years so when he's at 40 years old he won't have the pressure of having to make much money to support the family. He doesn't have to make much now as I plan to grow 80% of our produce, I raise chickens, live frugally doing couponing, buying second-hand or clearance items, etc. He told me he felt maxed out at what he could earn so I took it upon myself to lower our expenses. It works for us .