I’m 86-Years-Old and Broke

[@markmurrell1894]

George needs a big lesson in how to speak with humility. I’m a coach. I would have told her buy food first, keep lights on, keep car going, keep clothes. THEN pay what you can towards credit cards. Stop using them! If you can’t afford to pay them then don’t! Let them sue you if they want but you’re on a fixed income. Good luck getting anything. Have some kindness in your voice George. I wish Dave took this call.

[@Tully21]

Excellent point.

[@GB-wn1cl]

I believe Rachel would have handled it well. Learning experience, George.

[@marioibarra9306]

Yup George knows nothing accept for what hes been force fed. His ignorance was on full display here

[@thejakelegion]

I mean, don't you have a grandma, George? I do. And she's also 86. I know how to speak with an old woman. George does not.

[@beaniemac]

At 86, should she still be driving?

[@latoniatbryant1179]

Stop telling her to go back to work at 86 years old. She could rent out a room or rooms to a college or undergrad student. This is what a lady up in Massachusetts did and she is just fine. Her house was so big she could not afford the repairs and rented three rooms out to Grad students. The students really like her and checks in on her.

[@probablynot1368]

YES! There are at least a half dozen colleges in Jacksonville, FL. The rent should offset the increased use of utilitities, and it will help pay down her credit card.

[@Mr.T314]

I like the idea. Too bad the hosts could not think of that.

[@pneron2032]

Great point.

[@gregtetzlaff]

Love this suggestion. Solution oriented.

[@brendaprice5447]

A job!????? Give me a break.

[@janedickey6719]

She needs a social worker. There are programs to help the elderly. Help with Utilities, food, meals on wheels, car repairs, etc. There is help out there. This is the first step.

[@Tvang002]

This was painful to watch. You don’t give advice to 86 year old woman to go back to work, so she can pay off 30K in credit cards. Her annual income is about $12,000! She clearly needs help from a social worker or someone with compassion and expertise, not a finance guy telling her to get rid of her dog. Sickening.

[@m3932213]

I cannot believe not once did they mention seeking help from social workers to see what assistance is available...just said welp it is what it is cut cost and increase earnings. These hosts deserve getting roasted here.

[@kensmith2796]

@@m3932213 Probably because the Ramsey show is very right wing, pull yourself up by your bootstraps and don't rely on the government for anything. I don't think that's necessary bad to hear for young folks as they need to work and take care of themselves. But by the time someone is 86 years old, the horses have left the barn. Time to either die in debt or seek assistance from God, children, the government or anyone who is listening.

[@mom2huskies]

I agree. Sometimes dog rescues will give a bag of dog food to low income people. I think that she should see a social worker to set her up with resources.

[@kennylee4626]

Amen

[@cb4354]

@@Tvang002 so gross

[@mom2huskies]

I disagree with George's suggestion that she get a job. She is 86 and clearly is not able to work due to her health. What she needs is a social worker who can provide her resources. Also there are food pantries that she could use. She should also go to the local Humane Society for free dog food. He did not mention Aging and Disability Resource Centers (ADRCs) or calling 211 which would provide resources for utilities, food and healthcare. George definitely was out of touch with this call.

[@4X4ish]

People aren’t responsible for other people’s retirement and security. If it were up to me, we would abolish social security, welfare, and foreign aid.

[@LetMeThink007]

@@4X4ishyou must be popular! One day when you need it, you may think differently. Shame on you to think that about someone who’s 86. That’s EIGHTY SIX.

[@charlottepeukert9095]

Yes, he didn't do well. He treated her like a person, who's fit for the job market. She's old and simply needs help. Where's the daughter? She has to step in, clean up the mess and help her mum ( by paying for the credit card debt and providing her mother with a monthly payment). This lady can't work anymore. 😢

[@SL-fu7sh]

@@4X4ishwhy SS? We pay for it! It’s deducted from paychecks.

[@turtleanton6539]

Indeed😊

[@icelandic_mughal2223]

Besides getting SS, she should apply for food stamp benefits. That should add an extra 300. Telling a frail 86 old person to look for a job is extremely rude and irresponsible.

[@owencline6182]

Just like not saving for retirement

[@billyb4790]

This is exactly why the show I’ll go downhill without Dave. No one has his talent and finesse

[@jimmymcgill6778]

@@owencline6182 It's already past that. She cannot change her past.

[@winser21]

@@jimmymcgill6778You’re correct, but some mistakes are unfixable. It’s not always fair, but many people effectively kill themselves because of their lifestyle choices between ages 20-70, financially or health-wise.

[@rillawhat8142]

What fairly world do you live in?? 😮 Rude and irresponsible?? Dave says that all the time!! Definitely detecting some bias here!!

[@christie4336]

Please do not shame an 86 year old woman! She darn well knows that her finances aren't great. Let's say, " I'm so glad you have a paid for house!". Now, how can this paid for house best serve you? As a place to live? Or getting the money out of it and renting something else? Let's see what kind of other programs are out there that you can qualify for. Has someone looked in to low income energy assistance? Food stamps? Etc. She worked well in to her 70s. No harm accepting some help. She worked and paid taxes for many, many years.

[@TheBathulk10]

I'm shocked they didn't talk about reverse mortgage with her. She's the perfect candidate for it

[@DeathSpellXVI]

Find a part time job at 86? Dude, she probably can't even walk anymore, it's just a stupid, cruel thing to say.

[@Bronte55]

Agreed.

[@costco_pizza]

You can make upwards of $5-$10k a month delivering pizzas and driving Ubers. This caller needs to get out there and go after her goals. She will be able to clean this mess up in no time!! 💪

[@discofishing]

But she can clean up after a dog and feed it?

[@whatevergoesforme5129]

@@discofishing Well, this guy host should specify what an 86 yr old with cancer can do if someone would actually hire her, right? Not just say get a job. Like what? Pizza delivery, Walmart? Feeding a dog is done at home. She probably has a garden so the dog can do its thing outside. And she has the freedom to do what she wants with her dog unlike when you have an employer. Yes, I am taking your snarky comment seriously.

[@GigaChad_169]

@@Bronte55 DISAGREED, get out of your feelings and look at reality for what it is. Its not the universe's fault she didn't save for her lifestyle at retirement.

[@HeatherR8828]

When she said she has little energy, my heart sank. I bet she sleeps a lot during the day, that is what happens at 86. You don't get a job. This video was entirely insensitive.

[@whatevergoesforme5129]

and she has cancer

[@HeatherR8828]

​@@whatevergoesforme5129 oh my goodness, my mind must have been wandering. I didn't catch that. That makes it a million times worse. I really do wish this woman the best and some good solid help!

[@lanamichalski3208]

This guy should be fired....he is so rude, disrespectful and condescending. She's 86, has leukemia, and sounds so fragile. He better be careful....karma will stop by his house. Disgusting!

[@TLA123y6f]

I hope so. I haven't listened to him since.

[@gessrinky9129]

Wish Dave took this call. She’s 86, working is not practical…this woman needs some real advice

[@fishroy1997]

Get rid of the dog, move somewhere else, get a job. Dave doesn't have a magic wand my dude.

[@gessrinky9129]

@@fishroy1997 yeah, at 86😂 let’s get her on the assembly line

[@fishroy1997]

@@gessrinky9129 purposely obtuse. 🧠💥

[@vanessalang3966]

I agree.

[@droid2D2C3P0]

They gave her options she turned them all down, like what magic wand do you think Dave possess to fix this situation? She's drowning and won't even move in with her daughter because their "personalities clash"??

[@jennlea]

George, I can’t believe how you treated this poor lady. Shameful.

[@Tunechi65]

He wants to be Ramsey so bad. Dude didn't use his head

[@tpolarbeart]

Downgrading to a condo makes no sense. She will end up paying more after her property taxes get reset and HOA fees. Plus any profit she would get from the sale will be eaten up by realtors and other fees.

[@annea6288]

Seriously, 86 and recommending doing a job. She is almost 90!!! Comorbidities. Her dog is her company. Rent out 1 or 2 rooms in your home. Students will be grateful. And it will increase safety.

[@iomis2001]

Renting rooms to strangers will increase your safety? If you say so.

[@Tunechi65]

Walfare and seeking help goes against every conservative thinking so not shocked he gave her awful money advice. F everybody but me is the Republican way

[@lolacole5653]

I don't think that would be safe these days.

[@xyz5164]

George has been so off lately. No empathy at all. This was so hard to listen. They always recycle same advice to everyone...sell your house, car, get a job. Are you for real? She's 86. Think out of the box sometimes and give real advice like taking in roommates or something. Hoping she will be ok.

[@angryox3102]

Why is she even worried about paying off her credit cards? Let it default and enjoy the last few years of her life. Edit: everyone should look at Dave’s response to this video. He suggested the exact same thing as me.

[@solomongrundy9735]

True, unfortunately.

[@rleonekc07]

unless she lives to 100. then the credit card companies garnish her SS check to get their $

[@MrJimmy3459]

Social security can't be garnished anyway so yes

[@gregory4154]

Declare bankruptcy. Get the debt restructured. she'll pay something, but not he massive interest that's burying her.

[@crashtestdummy1972]

At this age, it makes alot of sense

[@actuallyterry]

George, the woman is 86 years old, no one is going to hire her.

[@TLA123y6f]

Duh. Wake up, George ! Her best option is to rent out rooms.

[@JayWin70]

​@@TLA123y6fAbsolutely, rent out a room. George is lame!!!

[@costco_pizza]

You can make upwards of $5k-$10k a month delivering pizzas or mowing lawns. This caller needs to get out there and go after he goals!!! 💪

[@fionasmom6254]

@@JayWin70 I disagree. If she rents out rooms, she might find herself with SQUATTERS who mooch off her and refuse to pay rent. The law protects THEM.

[@johnmabbett6586]

​@@costco_pizza😂😂

[@charlessands3458]

This man is telling her to leave her home of 20 years to go to an apartment and then get rid of her dog. That's a tremendous amount of stress on anyone but the amount of stress on an 86 year old woman could kill her. This guy needs to stop studying money and start studying humanity.

[@janelleg597]

Life is tough. Time to stop coddling people and face the music. Stay out of debt when you're older

[@aimes9524]

@@janelleg597 maybe you’re trolling but you’re an idiot.

[@wallihaley5194]

@@janelleg597 , did you miss the part where this woman had leukemia and had been a single mom all her life? Sometimes people have horrible luck in life, and try and do the best they can. It’s encouraging to me that she does have a house.

[@johnanderson8385]

he didnt even study finance

[@ajoyforlife1]

@@wallihaley5194At the beginning of the segment she stated an ex-husband that helps her.

[@eileenrulli6419]

George, you’ve really disappointed me with your advice on this one. Maybe you could have asked her to get her house and land officially appraised? And you think an 86 year old woman in frail condition needs to keep her car? And you chastise her for not planning well enough for her retirement? And the poor thing is elderly and ill and you say, “well maybe you need to get rid of your companion dog”. This is disgraceful behavior on your part. Maybe someone at Ramsey could reach out to her and help her instead of being judgmental and cruel.

[@yolandemurphy9803]

Totally agree 😢 good lord - quite upsetting actually. Just imagine how she feels 😢

[@pete3882]

Maybe she needs to get a job so she can pay these kids college debt. She don't need her SS she needs someone else's debt. See how bidenomics works

[@noahd213]

Ramsay Show doesn't exist to serve the guests, it serves the audience. There are important lessons to be learned from this woman, and those things need to be said. The sympathy should fall on the government via SS, Medicare, and elderly assistance. Ramsay is not a charity.

[@victoriaespinoza1280]

I agree, he was cruel and showed no empathy.

[@zachbarthelemy8113]

There is no fun or easy way to answer this call. She called for advice on her math problem and they gave her the limited options she has.

[@ljefferies2012]

This was difficult to watch. Not only because she is in a really sad situation, but also because George spoke to her with such little empathy. There were no practical solutions given for this kind of unique situation. Like for one, just default on your credit card debt. Let them come for it when you've passed and take it from your estate. Also, she could qualify for some other government assistance potentially or maybe some local charity solutions like Meals on Wheels to ensure she has food regularly. And its far from ideal, but even a reverse mortgage might be beneficial to someone in her dire situation. When you told her to go out and get a job I wanted to slap you through the screen.

[@krobdawg]

At 86, the last thing I'd be thinking about is debt

[@angryox3102]

Yeah, why’s she worried about her credit score?

[@countrymusicandcher8593]

Exactly. What are they going to do, trying to put a lean on the house? Chances are they won't even start seriously hounding her fpr the debt before she's dead

[@Omar_Zazzle]

Do you ever worry about it?

[@sarafrederick621]

She needs her credit to make ends meet. If she stops paying she can’t charge anymore. I think renting out a room would be her best choice. Or doing online reviews of products. I know someone that probably makes a couple of hundred a month doing that. They mail her products, she uses them and reviews them. I don’t know any details of how to do that. But you could Google and maybe get more information. Her story breaks my heart. God bless her.

[@n.m.3981]

Crazy to ask an 86 year old to find a job, this is horrible

[@thesuperdingos]

And the stress of her working will just accelerate her into her grave. Your last years on earth and you can’t even try to enjoy them.

[@dorothyd2559]

I know but what is the alternative???

[@c-tha-man9463]

Right. I'm listening to this, while working and I turned my head like, "what". She's 86 dude, TF.

[@kleindropper]

@@thesuperdingos She had her fun already obviously, now its time to pay the bill like the rest of us.

[@adanaranaa]

Not really, she made those decisions

[@kay22100]

George is TERRIBLE, disrespectful, and impatient with no respect for the elderly ! His whole tone is condescending. Never watching an episode with him after this. I wish Dave would’ve taken this call. George whole tone was impatient. I feel for any elderly person in his life. He better pray to God he doesn’t get an illness or something money can’t get him out of ! God has a way of humbling the arrogant ! This lady is 86 with leukemia and he talked to her like a child or one of his buddies ! As much as I’m not a fan of Delaney he would’ve handled this call 10x better than George. I think Jade should’ve taken over this call

[@CroisMoi]

She probably cried when she got off the call. He actually made her feel worse.

[@stewbugz5213]

Amen!

[@whatevergoesforme5129]

True. Many shills defending how this guy handled the call think that because they have money, their future is bright and well taken care of. However, sometimes, even those with money will find out that they can easily lose their money one way or the other. It happened to my multimillionaire aunt and uncle. Good thing that they have/had (my aunt is now deceased) a very rich doctor daughter who helped them out in their time of need and until the end. Well, they were good parents and paid for all of their daughters' education, even medical school. They also bought their daughters cars and a house to stay in when they went to the universities.

[@Goat1229]

Surprised they didn’t tell her to deliver pizzas at night. At 86, I’d tell ALL creditors go straight to hell…. Express route 😂

[@turtleanton6539]

Ind33d😊

[@fiftyf00tqueenie42]

Keep the dog! It’s probably the only thing that brings this woman joy on a daily basis.

[@stephanied.k.3589]

Inadequate advice. Move in with her daughter seems reasonable. There are organizations all over this country who assist senior citizens in finding income based senior living accommodations. They have waiting lists, but it is the simplest, most straightforward advice to give this 86 year old senior. She doesn't need to be told to get a job or lectured about unpreparedness for retirement.

[@billyb4790]

This is an example why I think the show will go downhill when dave leaves.

[@Mr.T314]

The Ramsey way is to always pay your creditors in full.

[@gailrodgers3079]

These two have no clue about senior programs and I know their are many. She absolutely needs to sell the house and move into senior housing (own apartment) not a nursing home.

[@alexlarsen372]

Did you not listen to the call? She doesn’t want to move in with her daughter?

[@Retired_Life_1]

@@gailrodgers3079 You are spot on. Many states have senior housing with adjustable rent depending on monthly income. Agree she needs to sell house (should have sold the house decades ago) and secure senior housing. She can slowly pay off her consumer debt with the money she’ll save. She's probably paying home insurance and property tax. Horrific advice. She does not need to work!

[@stevebrown3830]

This is the first time I completely disagree with what was said. Sometimes you have to think outside of your normal playbook and an 86 year old is outside the playbook.

[@Nothanksbyebye]

Essentially scolding an 86 year old woman for not setting herself up for success is insane. Why not advise her to reach out to churches around her that perhaps offer services for the elderly??

[@tomshimp2221]

You just told an 86 year old with cancer to get a job. Wtf.

[@vickieclark5931]

What else is he supposed to tell her, to keep digging a bigger hole of debt? If she doesn't want advice, then she should not have called the show. True at 86, you really don't have any options anymore because you have pretty much run out of time. But she called, so she wanted some advice. What else could they have told her if she wanted to get her debt paid off?

[@JudyKAllen]

That’s not an option! You you tell your Mom to get a job at 86 and have a life threatening disease. Someone needs to start a go fund me me for her. Sale home and get into government housing section 8

[@erzabetf9544]

@@vickieclark5931 He could have told her that he had nothing to offer her. He could have told her to consult a lawyer. He could’ve done anything other than give her the ludicrous advice to sell her house and get a job. She is unemployable at 86. Her house is her homestead, so it’s protected from her creditors. She needs advice from someone other than the smug George Kamel parroting the talking points Dave handed him.

[@tombkk1322]

@@vickieclark5931 How about the host having some compassion, Vickie? Is that possible?

[@jcherestal]

I remember when Ken asked a caller how much he made and then responded "EWW" 😅

[@lulu_america8855]

Dave, please call this poor woman back and talk to her personally. These employees failed her terribly. She deserves a call from you to clear this up.

[@lav7161]

The team is going to get a mouthful by Dave Ramsey for handling this call so bad.

[@TLA123y6f]

I hope so. It's well deserved. And I'm shocked at the sanctimonious, heartless, holier than thou comments from some of the posters on this thread. Sickening.

[@rachelharrison7961]

I doubt it. Someone on the team CHOSE to post this call as a “highlight” of the show.

[@almaguillot8597]

I think so too. This will probably be strike 2 for George. 😂

[@Rokashy]

I wouldn't be surprised if Dave agreed with them too sadly

[@user-dw4cv3xq5u]

Dave don’t give a fck unless you’re lining his pockets with book and app money. Stop praising any of these people.

[@DoctorJenn]

WOW! George is unbelievably callous with this 86yo woman. His tone was so incredibly rude. Absolutely blown away he actually asked her about getting a job. I feel like she is one person they could have put in touch with their financial advisors for free and to help set her up with a local church or organization to help get her food and pet food for free through a food pantry of some sort. This alone would probably make up the difference for her. Sheesh....Jade and George both blew a huge opportunity to help this woman.

[@khrisstake2210]

Or, she could go love with her daughter

[@laurab5849]

She has a problem for every solution. What else can they say? Just charge the debt up and don’t worry about it? Sure but they won’t ever say that.

[@nrqed]

George, thinking to himself "What would Dave say? Ah yes! Deliver pizza 80 hours a week, or do Uber! Eat rice and beans, beans and rice!" George, SHE IS 86!!

[@rachelhoag7573]

George is a Ramsey Robot. All he does is regurgitate the baby steps. He does not have an original thought in his head, and when you combine that with his arrogance, you get calls like this where he is rude, dismissive, and completely lacking in empathy.

[@Tunechi65]

He wants to be Ramsey so bad. Dude didn't use his head

[@sdl2320]

He’s telling an 86 yo who’s had leukemia for past 20 years to re-home her dog over a couple hundred dollars a month?!? Dude needs some life lessons on empathy 🤦🏻‍♀️

[@user-ko2fq2hg8b]

And she needs some math lessons

[@suen5006]

Yeah that's so wrong. Keep the dog!!

[@stewbugz5213]

Hopefully he loses his no talent KZbin job! He’s an entitled twit!

[@kay22100]

@@user-ko2fq2hg8b Be careful, life has a way of humbling you!!

[@JayWin70]

George is the worst!!! This show and hosts are clueless and lame. I'm out.

[@mamajojovegan]

This is so wrong George, she is 86 years old and you sending her back to work. She worked until she was 80 years old. She said “ I was a single mom all my life with no help.” This goes back to men who abandoned their children and leave all the burden on the women. You should recommend her to a non profit or food shelter to subsidize her income. She worked all her life. She never abused taxpayers. Never lived on welfare. She should be getting food stamps. Help with utilities. The system is so unfair to people who get up and go to work everyday. She went to Pharmacy technician school. She did not sit home and abused taxpayers to say she was taking to care of her children. She worked.

[@Habeshafusionhub]

Blame the system or the government not the man. Cuz you don’t know their history

[@yourgooglemeister6745]

NOOOOO the blame is on women for picking shity badboys or scaring off a good man

[@Patrick-uu5xg]

"Get a job" ''We didn't set ourselves up for a bright future in retirement.'' Not helpful. Not necessary because this poor woman already knows that. Worse of all? Unkind.

[@marywebb9127]

Nope truth hurts sometimes!

[@TLA123y6f]

Worse than "unkind". Despicable.

[@marywebb9127]

@@TLA123y6f 👈To soft

[@happygilmor1]

Why are you asking her if she can work? Dude SHE IS 86?

[@fishroy1997]

Plenty of people work that long or longer. In fact a lot of people stop working and then die.

[@karimbennett5651]

@@fishroy1997, I don’t know anybody working at 86 years of age.

[@lisabanks7742]

It appears he got the advice straight out of textbooks rather then common sense.

[@djsausagebiscuits]

Well... technically she could be president of the US at that age, j/k. Sadly, her best option is probably to sell the house and downsize into a rental

[@Paxevo]

oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

[@erzabetf9544]

The advice here is INSANE. It’s totally inappropriate for an 86 year-old woman. That existing credit card debt doesn’t matter. It just doesn’t. She doesn’t need to sell her house to pay it off. She needs to hold onto her house for dear life, as it’s protected under Florida law as her homestead. If she can get some help from her daughter, she can survive without increasing it. She should talk to a lawyer. Florida is full of lawyers who specialize in issues that impact seniors, and full of lawyers who will provide her with free legal services and help her develop an actual plan. Selling her house, moving into an apartment and getting a job are NOT the best options. And Ramsey Solutions should pull this video or add on to it to recommend that she seek professional help.

[@kleindropper]

Typical. Run to lawyers to try and shirk your responsibility. And we wonder why our society is crumbling at a record pace. SOMEBODY HAS TO COVER THE COST OF HER SPENDING. I remember when people were honorable. A lot fewer lawyers were needed back then.

[@erzabetf9544]

@@kleindropper No, my friend. When she dies, her house will be sold and her estate will have assets to pay off the debt. And your ignorance is exactly why she needs professional help - not input from grumpy strangers looking to judge.

[@kleindropper]

@@erzabetf9544 I guess I've never needed professional help to pay my bills and likely never will. It's a wonder poor people need lawyers for basic things like paying bills LOL.

[@erzabetf9544]

@@kleindropper Aren’t you lucky that you’ve never needed help? Yes, lucky. Because it’s obviously not your brains that have kept you solvent. 😂

[@soulovelee_2433]

And who's gonna pay that lawyer?😅

[@BXJNYC]

The comment section had better advice then George Kamel's 😂

[@kensmith2796]

It's not the first time.

[@IrishMexican]

George is a child with a communications degree

[@sammy9841]

This is the reason when Dave retires, its going to be really bad for the company. These hosts have no clue how to handle different types of calls and just give out robotic advice. I am pretty sure Dave would have handled the call in a different way.

[@Takoda9721]

Mr. George, co-host of the Dave Ramsey show, please do not treat elderly women like this. You handled her circumstance as if she was still in a strong able body rather than offering wisdom suited for her specific situation. May God bless this Women with the RIGHT advice and help.

[@LivMYlif3]

That’s because these hosts are just repeating Dave’s talking points(the baby steps) they aren’t natural to this thing like Dave. They can’t adapt to individual situations.

[@Nonsense116]

I mean that's what you get when you have personalities who just regurgitate whatever Dave says. The mark of an educated professional is nuance. It's an excellent filter in this age where people online say whatever sounds good to them and then have the audacity to put themselves in a position to offer advice to people who need actual help from real professionals. To mislabel oneself as a professional is reckless at best.

[@gailrodgers3079]

@@Nonsense116 I could have given this woman so much better advice such as she shouldn't sell her house and buy another or move into a regular apartment. She needs to check into senior houseing that here in PA takes 33% of your income for rent, food stamps, check into Medicaid for any senior programs. I don't get health insurance through Medicaid, but I am on another program where they pay my medication co-pay and other things. The problem is these two think about retirement from the vantage point of having a chunk of money in the bank for retirement while some of us never managed that. Although I do have some now. But there are programs out there that can help and they need to know about them as none of their advice was helpful.

[@Paxevo]

Joe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

[@Alex-mj5dv]

⁠@@LivMYlif3what the heck are they doing on the show then? And paid for? This show will tank post - Dave

[@supermaxluna]

Telling an 86 year that “You didn’t set yourself up and now you have to deal with the ramifications” is a horrible thing to say. He doesn’t now her past or anything she had to go through. This guy is an entitled jackass with no soul.

[@kleindropper]

He just stated a fact. If you find it hurtful its because deep down you know its shameful what she did.

[@gailrodgers3079]

@@kleindropper She didn't do anything shameful. Women always earned less, had to work harder, etc. I had a job once in the late 70s where a male temporary, part time employee, I discovered was earning more than me a permanent full time employee! It was not easy to save or prepare for your future. Things like IRAs, etc. didn't exsist. There was no internet to instruct us so you had to track down books to learn about personal financial management. My library had maybe 6 decent helpful books. Thanks were so much harder.

[@supermaxluna]

@@kleindropperand kicking someone when they’re down is not shameful?

[@jenniferwildflower4249]

​@kleindropper how is it shameful? What did she do? Most likely get married (at age 86 she likely married before having her kids as it was 60 years ago...) she had kids as is societally expected and encouraged, and the husband and her divorced and he didn't ever financially help the family he helped make. She also said she had more than one kid and was a pharmacy tech. There's nothing shameful in supporting your kids as she did. She never rose above a certain level of income but you don't know why, nor if the reasson is shameful. She could have dealt with illness amongst her family, had to help her kids or grandkids with God knows what health related, or anything. You don't know. And it's bizarre you would call her a shameful person based on the info she gave.

[@kleindropper]

@@jenniferwildflower4249 Its shameful not to plan for your future, and be responsible; now someone else will likely have to sacrifice their plans and dreams and take her on as a burden.

[@davef6337]

I have a 95 year old friend. When she was about 90 the hospital tried to bully her into paying charges she knew were overcharges. They threatened her with destroying her credit. She said go ahead. I’m not buying a house, or a car. Not only that, she called Medicare and told on them. Long story short, when Medicare got finished with the three way conference call between her, and the hospital, the charges were dropped. The hospital never called again. This lady was a bookkeeper. They picked the wrong one.

[@terry9berry1]

This is the worst advice ever. She will die on the Walmart floor. No reason to pay off food at 86. Rent the rooms out, we needed Dave here.

[@drakean8]

You watch Caleb don't you 😅

[@poodlegirl55]

This guy was no help. Bad advice, show some respect.

[@tombkk1322]

George preaching to an 86 year old like she is a child. He should be ashamed of himself. Have some respect man.

[@davidfairchild1640]

She is acting as a child.

[@tombkk1322]

@@davidfairchild1640 I guess you don’t respect your elders either.

[@rain73ful]

She can't work at her age. That's just dumb advice.

[@live4powderhound834]

Many irresponsible 80 year olds. They should be ashamed of themselves.

[@Paxevo]

oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

[@brandonhicks2133]

For older people, something for younger people to keep in mind they didn’t have access to information like we do today.

[@rg8162]

Right.

[@adanaranaa]

Yeah but spending money hasn’t changed. Remember living on less than you make has never changed

[@brandonhicks2133]

@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap

[@brandonhicks2133]

@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap

[@JosiahK555]

if I were her daughter, i'd say, get rid of the dog, and we'll help out.

[@Ja50nkAt]

These hosts are robots, she's 86, she can barely make this phone call.

[@thestevenator]

What do you want them to say? Money isn't going to just fall out of the sky.

[@dillonmaki9884]

She can 86 their advice

[@pdxmusl1510]

​​@@thestevenator The problem with Ramseys is there advice is robotic. They don't care about context or if there advice actually harms like in this case. They are selling there brand at the expense of an 86 year old woman What i want them to say is give realistic advice. Not all of there's is actually bad in this call. Like yes. Get rid of the dog. But they are trying to put an 86 year old woman through the baby steps. It's absurd

[@zunedog31]

​@thestevenator selling the house and living with a roommate or family. Getting a job other than maybe babysitting is absurd.

[@ashlandanimaland1430]

Please dont tell her to deliver pizza.

[@melissa4726]

My heart really goes out to this caller. She is in a desperate situation, and she was treated without compassion with the statement "We didn't set ourselves up for a bright future." Her situation isn't totally known, so she doesn't need judgement. She needs help surviving. She needs help getting connected to her local Senior Services through her county. She likely qualifies for many services at her age and with her health concerns. Services such as food stamps, home energy assistance, legal rights services, meals on wheels, homestead water rate discount, etc. There are senior housing programs too. Maybe she could be paired with a vetted roommate who will not only pay rent, but help around the house too. Before my mom passed, she qualified for many services through our local counsel on aging. They were a huge help. The advice given on this call wasn't helpful at all.

[@NickAndTech]

Dave would have torn an 86-year old man a new one, she needed to be checked for the victim attitude she's been carrying for nearly 70 years, like single motherhood is sainthood.

[@sajnishah2593]

He literally has 1 script and can't think outside that. The appropriate options should be either take in a student to rent a room, or take a loan from the daughter to be repaid by her estate afterwards, or leave the credit cards to recover their money from her estate. She has assets, they don't need to be liquidated now.

[@PhuongTran-j9l2i]

I think they could have been a little kinder. Dave would have read the room and put on the kid gloves with her.

[@billyb4790]

Yup. This is why I think the show will end when Dave leaves.

[@Jcrpdx]

They talked down to her. Very disrespectful to someone who has few options.

[@girlygirl1890]

@Jcrpdx No. *GEORGE* talked down to her. Jade had a softer tone. But he would NOT let her talk. He took over the call and would not let Jade say much at all.. that .Rude jerk!

[@Jcrpdx]

@@girlygirl1890 You're correct.

[@rillawhat8142]

Talk down?? 😮 What video are you watching Trump lover?

[@TLA123y6f]

@@girlygirl1890 I used to like George. I'm re-thinking that.

[@Howdy1957]

George, you need to be more empathetic! 86 years old and your answer is to get a job???

[@FooFan-b3k]

She has so many options, but neither George or Jade know enough about life or money to see any of them. She could get a reverse mortgage. This is actually about the only situation where they make sense. She could sell the house and live with the daughter. May not be what she wants, but it's a solution. She could sell the house and say nets $170,000. Well $170,000/10 = $17,000 a year on top of her social security. So that would give her about $2,600 a month. By the time that runs out she's 96. Also, I didn't hear anything about food stamps or other gov't assistance. She should be eligible for a lot of help with food, utilities, etc. She shouldn't be reaching out to these idiots, she should get in touch with people who are real professionals. I

[@ialexei]

I agree with the reverse mortgage. She made a huge mistake not investing for retiement during her working years. The Ramsey folks I am sure wont bring up the reverse mortgage due to violation of their values. She needs to reach a deal with her daughter Reverse mortgage vs help me keep the house and take care of the extra $200 with the understanding the daughter gets the home after she passes.

[@curiouscat3384]

Best answer. George is a twerp.

[@vickieclark5931]

I've never heard the Ramsey show ever say to take out a reverse mortgage. That is why they don't mention it.

[@curiouscat3384]

@@vickieclark5931 Dave is adamantly 100 % against reverse mortgages and he's right, they can be very tricky and leave the owner penniless and homeless. so we'll never see him recommend but at her age the risk is minimal unless the children won't accept the equity in the house being drawn down.

[@jumpiam8477]

Hopefully, she gets a real adviser that she needs.

[@pattylott9626]

Giving her the guilt trip about having to live with your mistake of not setting yourself up for success was awful. She was a single mom, no support from ex and working til 80. I've seen Dave help single moms on his show. This was an uncompassionate and unfeeling call. The elderly need more if not more generosity than young single moms who can still work. Not to mention she has leukemia. If this is not someone looking desperately for help and just tossed aside. Bad advice!!

[@AngieWy]

Is he kidding? A part time job at 86?! What on earth is he thinking. He isn't. And no she can't move. Was he going to help her? Goodness, why even take the call. How about you find some resources for seniors and tell her you'll get back to her with those. Sorry, this makes me so angry.

[@TXMama]

As a Mexican American family, all of us cousins (the grandchildren) send our grandparents groceries, lawn maintenence, pay the phone bill and if at any time they need something, we're there. My grandparents are in their 80s and this makes me so sad for this woman. It would take one phone call from my grandparents and their need is met.

[@ToOpen6seven]

Indeed ❤

[@RepentImmediately]

Well, for all you know she was a terrible mother. I'm also curious how many cousins you have. Have you ever had to deal with an 80-something on your own? I have. It can destroy your life.

[@TLA123y6f]

Yeah, us Americans kinda suck for many reasons. The "I got mine to hell with anyone else" mentality is one.

[@KS-cl8br]

please your culture is toxic... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages

[@KS-cl8br]

please your culture is ***** ... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages

[@redamazon8811]

Don’t pay it. Telling an 86 year old to go work is so damn callous. The way he spoke to that woman is unacceptable. It’s ok to tell people I’m sorry I don’t know the answer. You jerk.

[@micheles9646]

Agree!

[@tombkk1322]

100% agree. What happened to respecting your elders! Omg!

[@FTYC2022]

​@@v-2010who cares about the decrease to the family, she needs to live! Forget those credit card companies. Some of you are a little too neurotic about leaving "something" to your family and legacy. Leaving a life insurance policy should be enough. The grown-up family will be fine.

[@godknowsimstupid7848]

They shouldve said, sell the house pay off the debts move into a fixed income senior community she could afford. OR file bankruptcy, she will keep the hpuse and car, debts gone. Greeter at walmart to make the 200 a month she needs.

[@texasham8869]

@@v-2010credit card companies can’t get the equity from your home or take it

[@satseva1421]

This call really made me question why I listen to this show. Where is the common sense?

[@greendog6554]

Why do you listen to this show? It's for robots

[@ColleenKelley-fp4fd]

If Dave would have taken that call he would have been understanding and kind. Why didn’t George or Jade say “Stay on the line, we’re going to set you up with a personal financial Ramsey Coach, for free.” That lady would have been very grateful!

[@CarlaQuattlebaum]

I was surprised they didn't offer that help with managing her finances.

[@teebone2157]

I don't know what the hell they are talking about. This woman is 86 years old. Let that card go into default and enjoy your life. Lady, stop worrying about a d*** credit report. You are at the end of your life.

[@crazyhorse9556]

wow. I have lost all respect for George! The insensitive SOB, my gosh I am so outraged right now telling her she did not plan for this and there has to be repercussions telling her to get a job. Are you insane??!! Who cares if she has any debt she’s 86 years old let it go. Her Social Security will not be garnished at this age. I would tell her not to pay it. I’m going to write Dave about this. I’ve never done that. George should be fired! If not, I will no longer be watching this show because I will lose respect for Dave as well. This is just outrageous.

[@stewbugz5213]

I hope he gets fired. Nobody will rehire some elderly woman hating creep like him. He can Door dash or deliver pizza I guess!!!???

[@ialexander032275]

I agree. I think we all should write a letter and send it to Ramsey Solutions Headquarters. There is no excuse for the way he treated her. I will never respect his advice from now on. I can read the book and know what he knows. I listen to Dave Ramsey because he cares about his callers. This guy cares about his status.

[@charlessands3458]

This man's acting like she has another 50 years to live.

[@Aminah6623]

Exactly. She might have 5 years. George is ridiculous

[@DNellserChanNel]

Callous to the core, he’s very arrogant.

[@DNellserChanNel]

Oh that’s his name, George? George you are an asshole. If he can be so disrespectful to an very elderly person, imagine the kind of husband he is?

[@turtleanton6539]

Indeed😊

[@cb4354]

@@charlessands3458 the fakest “christian” out there

[@ColleenKelley-fp4fd]

George-that poor elderly lady is desperate. The time to firmly lecture her is over. A little compassion would have been nice. And suggesting she get a job at age 86?! You are obviously clueless at the challenges of today’s elderly citizens who live on Social Security. Inflation, gasoline, home repairs, medical bills, etc. And to suggest she get rid of her dog? Her dog is probably brings her a lot of joy at this stage in her life. I hope she calls back sometime and speaks with Dave.

[@kensmith2796]

Yep. I'm only 50 years old and work a very white collar, non-physical job but I feel the effects on my body and mind after working 40-50 hrs each week. I can only imagine how little I will have left to give for work after age 70. If anyone tells me to get a job after age 80, that youngster is going to get punched in the face.

[@Bronte55]

@@kensmith2796 At work, I was at my desk and hitting my forehead, frustrated because I couldn't remember how to do some things that I had done on my computer previously. So I retired last year at age 68. I can't imagine 1) trying to get a job at 86, and 2) trying to do the job if somebody actually hired me. I felt the urge to punch George too.

[@Charismafire]

George you should have set her up with a financial coach brother. You can't unpack all of that in a phone call she needs real personal help.

[@lorenecarden6312]

BTW your empathy level sucks. How dare you shame her for not planning her retirement better! You don't have a clue about what she has done in the past...she planned well enough to have a paid for home! She raised a good human being BY HERSELF. What is wrong with you? You should have told her to file for bankruptcy or suggested that she get help and negotiate with the CC company and then review her expenses with her. Your day is coming sir.

[@montana-road-kill-harvest]

He's pushing her because she's making all kinds of excuses. He doesn't actually want her to get a job

[@rollover36]

You saved me form posting the same thing, thanks.

[@scwienert]

Yes, he is too young to realize life doesn’t always go as planned. And that he isn’t humble at all.

[@Afrinaturality]

I cannot believe there was even a question about getting an 86 year old to go to work. I'm sorry. Such an individualistic society.

[@williamnolasco8077]

@zvmZvm0102preach

[@Visherex]

And here we see, an individualist 😂😂😂😂😂😂😂😂

[@billyb4790]

@zvmZvm0102ok sure but what’s she really going to do?

[@PureDay]

She doesn’t have options… I don’t get what’s individualistic. She didn’t save for retirement… I get being a single mom but, you have to upskill so you can survive. She could have started going to school when college was still affordable. She also is living off social security…

[@rillawhat8142]

??😮

[@TMHF]

I always feel bad for older people who are in situations like this, but it should serve as a cautionary tale for all listeners - if you don't plan for the future or pretend it doesn't exist, this WILL be the situation you end up in.

[@TCR2025]

A bunch of people are crying in the comments about how she should’ve done this and that. You never know someone’s backstory. That lady should be lucky she has a daughter who loves her still to help.

[@millennialsecularandauthri3338]

They got the best economy ever and still messed up.😂

[@nanstanley9999]

If our government would take half of our tax dollars and invest in the top 100 companies in this country and then it’s elderly the few that do survive long enough to collect on a lifelong investment and Social Security we could straighten all this out but instead they want to waste our tax dollars and we keep letting them buy with it every year. This abomination has to stop. We can do better America.!!!

[@roathripper]

feel bad enough to setup a gofundme for her?

[@william78583]

It looks like it’s the recent spike in inflation that may have caught up with her. If she doesn't want to downsize her housing, she needs to find another home for her dog.

[@WonderWomanInMichigan]

How about rent a room or two out of your house? WOW. His lack of empathy. Single mom for decades. Sick. Work?!! Shes 86.

[@BeyondTigerMilk]

Single mom is her own doing. She said she worked until 80.

[@rueman84]

I was surprised too. My thoughts of renting a room out invites problems and her being taken advantage of.

[@astoldbynadia6310]

What a shameful way of speaking to this elderly lady. Dave would have called her sweetheart figured out where she could cut money from her budget and told her to stop paying the credit card.

[@susanjean3114]

86 yr old woman at this stage does not need to go back to work. Let her pay the very minium to get creditors off her back or file for bankruptcy. Time is not on her side.

[@zsuzsuspetals]

It's one thing to tell a person having money trouble to not acquire another pet. It's another to tell someone to get rid of a pet they already have. Did you even listen George? She said the dog cost $180 for ONE month. She even clarified it was just one month. Not every month. She's 30k in debt. You think this dog is her biggest problem? For many seniors a pet gives them purpose, a companion and a reason to get out of bed in the morning. George may as well have told her to unalive the dog and herself for as much empathy he showed. 🤨

[@charlottepeukert9095]

Keep the dog! Keep your house. This is your home and the doggy is your company. Tell the creditors to go to hell and keep your car. There's no ' we ' in terms of a man with no insight into a situation giving you bad advice. You need a home, a car, a dog and lovi g support. Not a job?!???!

[@brendafrancis894]

Get a room mate to help. Shes living in that house alone. Rent out a room but scruntize the person get your daughter to help you. Definitely ask for and get references Thats another way out. Dude have some empathy. This woman all her life has just been trying to survive.

[@vv-fd7dv]

Wtf George. Also, this woman should get help. We pay taxes to support people in her situation. We give and burn money for the most disgusting things and we don’t help someone like Joan? Disgusting.

[@ninidiaries4801]

Wow George is an awful human being, the lack of empathy for this poor 86 year old woman is shocking. He needs to be fired

[@aliciahill9867]

George was abhorrent on this call. I understand the Ramsey show is trying to set up the show so Dave can step back but this call is proof that he can't leave George and others in charge. None of these people have been dirt poor, like scrape the bottom of the barrel poor. They don't understand and are heartless. They have a scripted answer and can't think outside the box. Ask the poor woman if she attends a church that can help, can she rent out a room, set her up with food stamps or disability, can she sell her sweet voice for birthday calls! I'd send her $50 just to sing me happy birthday like my grandmother used to do. Something that doesn't require physical effort. Good gracious that was a painful listen.

[@kay22100]

I agree!! Dave has a response video out. He said she should forget about paying the credit cards. I think they were probably afraid to tell her that think they’d get in trouble

[@lmason3001]

See .. this is why I hate it when they say ' I don't care what your culture is' in reference to some of us opting to help/take care of our parents .. this is disgusting. I would do anything before my mother calls into a show at 86 talking about I have $200 for food and gas .. wtf.

[@whatevergoesforme5129]

As an Asian, we have no shame taking care of our parents when they become old and sick since they took care of us when we were young and also paid for our education, even the medical school tuition of my now doctor brother.

[@lmason3001]

@@whatevergoesforme5129 respect ! Proud to be west African .. this just isn't in our culture. My mother's family may not have as much back home but they have never known a care home or any of this talk. People will say things like I didn't choose to be born 😂 and then say they're grateful for their life 😂 There was a time we couldn't even feed or bathe ourselves, we owe them everything.

[@whatevergoesforme5129]

@@lmason3001 Great! I have no issues with the individualistic mindset of many Americans but when it becomes too extreme and it is all about ME ME ME, I take issue with it. There is nothing wrong with having strong family ties that I was told used to be the case in the past (I remember those LIttle House on the Prairie episodes). The Bible has always talked about taking care of your family and even your relatives when needed. This doesn't mean one should condone irresponsible behavior. The reason many Asian-Americans from different Asian nations are rich or at least middle class in the US is because of strong family ties. There is power in numbers and pooling resources together. No person is an island (which is another biblical principle). I don't believe in the so-called self-made man/woman. We don't live in a vacuum and we achieve our success with the help of other people directly or indirectly, even though for those without wealth or good connections/network, there will more hard work, perseverance, tenacity, patience, and courage involved. And this channel is supposed to be Christian.

[@PaintingandExercise]

Who is EVER going to hire an 86 year old even if she was physically able to work? This mean man asked her if she could sell her home for $250,000 and then go buy another home for $200,000. The realtor commissions and all of the other costs to SELL her home plus all of the costs of BUYING a new home will eat up the $50,000 "profit" before she even makes a CC payment. This mean man actually expected an 86 year old woman to pack up and move as though she is a 35 year old call in show host. The gall of this man.

[@TLA123y6f]

Totally agree. George - get a clue and work on your apparant 'issues'

[@josephfromtheatl9113]

How does George know if she can even get $250,000 for the house. If the house needs major upgrades and renovations, it’s going to have to sell for less than what the house is worth.

[@CroisMoi]

He is not nearly as smart as I thought he was. I feel bad for this woman. She needed help badly.

[@judiashley5818]

Did this dude just shame her for not saving enough. She is 86 years old and you are telling her to go get a job??? What a tool. Hook her up with some resources for assistance like food or vet care which could easily take care of her 200.00.

[@stewbugz5213]

Amen! You should work for Dave, not George! My vet does free work for elderly and for service dogs.

[@judiashley5818]

@@stewbugz5213 thats is super kind of your vet

[@kaydee1234]

Where is Dave when you need him?! Would George have spoken to his own mother that way? This is not some 20-something calling in. This woman is nearly 90, took the initiative to call into the show and has a positive net worth for crying out loud! No, her financial life isn't in perfect shape, but she should not have been talked down to by George the way she was!

[@TheBathulk10]

Prob would've said the same thing. Dude hates cars

[@TLA123y6f]

It's called elder abuse

[@SonicScapeMP3]

damn it, at 86 this shit shouldn’t even be on the radar

[@roathripper]

she sold the radar

[@billyb4790]

This should be one of those exceptions and they should say “forget it. File bankruptcy “

[@esstong8064]

pfff...i won't pay that credit card... what they gonna do... I'm close too be dead anyway... that is she were me

[@maureenobrien4807]

Grow weed in that house grandma hello!

[@maureenobrien4807]

​@@esstong8064huh? I'm.stkned.

[@christopherstimpson6540]

We are all just one medical bill away from being flat broke in the USA. Suggesting going back to work at 86? Maybe work from home on a computer, but just staying awake would be difficult at that age.

[@inesrobles2971]

What a terrible way to speak to a lady who is clearly going through a very, very difficult time. Telling her “We didn´t set ourselves for a bright future in retirement. This is part of it. We have to deal with the ramifications” with such sarcasm! She is not a child who needs a lesson. She is a senior person, who is scared and who needed a friend. Mr. Ramsey handles these situations very, very differently.

[@bfrye41]

The worst advice I have ever heard on Ramsey. Telling an 86 year old woman to get a job is pathetic. How about ask her to get a roommate, host a college student, etc.

[@suzushiEitan]

Telling an 86 year old to find a side hussle is cold, especially how you said it

[@BrooklynP333]

"We didn't set ourselves up for a bright future in retirement. We've gotta deal with the ramifications." Blaming/shaming is NOT ok in financial coaching. I pray that she doesn't have a mental breakdown, next. As a financial coach myself, I would love to train this young man on empathy, motivational interviewing, and trauma. Dave, please help him.🥺

[@girlygirl1890]

@brooklyn YES. I totally agree with you. The way he handled this call was totally unacceptable. What a JERK!

[@desireesalas5820]

I agree!!

[@terriesmith2616]

From my perspective, I don't see that as blaming/shaming. I see it as facing the REALITY of her situation. Like Dr. Baloney said, "choose reality", don't lie to yourself or delude yourself.

[@RepentImmediately]

So stating a fact is blaming and shaming?

[@TLA123y6f]

I agree. Totally inappropriate. That's why Romain is getting a huge, and well deserved, following. Dave ( a "christian" ) gets off on shaming, blaming, name-calling and Caleb loves screaming at people - it is NOT ok.

[@ialexander032275]

Before comments are turned off, I'd like to say I'm ashamed of the way they handled this. They seemed so arrogant and had no common sense or reasoning. Who in their right mind would treat an 86 year old lady like the way they did. They don't always have to be right about everything and go by the book. I hope this elderly lady gets the real help she needs because she didn't get any help at all from this call.

[@swgdsm]

This crap is why I quit teaching Ramsey. There is a time and a place and at 86, screw the debt, feed the puppy.

[@WOOFBTBWP123]

This one

[@karmasutra4774]

Dave did another video talking about this call .. he basically corrected the advice.. so he didn't like the advice given either.

[@ninar.1083]

Dave, Dave, DDDAAAVVEEEE!!! Where were you during this call???????? They’re sending her to work, getting rid of the dog. No remorse or humility in George’s voice. Ridiculous. How about renting the rooms or moving to a trailer park. I’m sure there were more options. At this point there’s no reason to spend what’s left of her life stressing over anything but her well being. SMH.

[@joeyr1996]

I’m sorry George. You need to be fired. This is the worst call I’ve ever heard on this show in terms of advice given.

[@kleindropper]

Which part was bad?

[@ana-gabrielamaftei9099]

“I Know but we also didn’t set ourselves up for a bright future in retirement??” What a jerk!!!!

[@ChasingMayzie]

I know! "You're getting what you deserve...get a job despite your leukemia and get rid of your dog". Heartless!

[@kensmith2796]

Yeah, that sounded pretty bad. I could see saying this to someone that is 50 years old and still has time to motivate themselves to prepare for retirement. But at age 86, the horses have left the barn.

[@Bronte55]

@@kensmith2796 Agreed. At age 86, the horses, cows, goats, and barn cats have bolted the barn. The caller needed advice, not judgment.

[@melissagorney1208]

Zero compassion.. A jerk is an understatement!

[@NickAndTech]

It's the truth. Listeners should take it to heart and use it to inform their life choices today.

[@Sparksoflife777]

Someone start a go fund me or something for this poor old lady! She should not have to rehome her dog or get a job. She is 86 and has leukemia!

[@lisamichele5286]

I was thinking the exact same thing, that she needs to start a Go fund me. This situation is so heartbreaking.

[@blanketfortressofsolitude5270]

I hope she's able to find good people to take care of her. She's a cautionary tale, but still a human thats worth sympathy and love.

[@girlygirl1890]

@blanker Yes....sooo true.

[@Chet_24]

When someone refuses to help themselves they dont deserve sympathy

[@girlygirl1890]

@@Chet_24 I hear what you are saying. However, we do not know her situation completely . The only thing we know is that she said she got pregnant at 19 and has had to work up until she was over 80. She even said she has had Luekemia all her life. Did you hear that? Maybe that was the cause of her not being able to save money. You really don't know her situation because sometimes people have things in their lives that CAUSE unfortunate circumstances. I try to give people grace because you never know when a serious accident or illness, or something can happen to us that can change things in our lives in a second.

[@girlygirl1890]

@@Xeyne098 LOL. Stop.🤣🤣

[@santafilipina9020]

Telling this elderly to get a job and then proceeding to lecture her on how she should have prepared for retirement is crazy and impractical.

[@TLA123y6f]

And George is a "Christian". Sickening.

[@KENTUCKYUSA1]

Absolutely horrendous advice. This old sick woman does not have money or energy to sell this house and move. And getting rid of her beloved pet will kill both of them. Does Dave not educate these people to give proper advice to the elderly and ill?

[@rebeccabath5276]

This is so dystopian, i can’t believe the editors didn’t pick up on it in the review. How they rush to the ending and okay the music as he tells her in the last 10 seconds “oh yeah and sell your dog!” sell everything because money is the most important thing… like damn. Imagine working 19- 80 and the young advise you to die on the Walmart floor! like that’s 60 years and she’s got nothing much to show for backbreaking work….just work until you die, coz u contributed nothing to society, like damn. Tax money is for these people. USA is so dystopian, here in Sweden no one would dare tell a dying or ill woman to hustle! Jeez Louise. Yeah, work until those bones break. the house will be sold and pay off those debts, she needs to enjoy the life she has left. She’s 86 with leukaemia, she may not have much time left! she lives alone… isolation will kill her quicker than the stress of having a furry companion. The last minutes jade is like so uncomfortable. she was using this call like a counselling hotline, like crisis. Money is not the main issue here, it’s care for the elderly!

[@KENTUCKYUSA1]

True. And also pride. Old people are often too proud to ask for what they need, particularly the Greatest and Silent Generations. So they suffer in silence. This woman has a daughter and needs to do as the daughter says and ask her for help.

[@dazzles8805]

This is why I worry about what happens to Dave Ramsey legacy after he goes.. Did they really tell a 86 year old woman to get a part time job as a option? Ridiculous. Keep Dave until he is 86 please!!!!

[@TLA123y6f]

Yep

[@thedopplereffect00]

The problem is that Ramsey created a bunch of bots that can only repeat the 7 steps without thinking situationally

[@stewbugz5213]

Truth!

[@TLA123y6f]

@@stewbugz5213 wash. rinse. repeat. George needs to go. He is NOt an asset to the show.

[@childrenofgoduniteinpeacel8858]

Joan, please don’t listen to them. This is horrible advice! Sell your car, use your car ins money to cover your monthly deficit. Please don’t sell your house! Enjoy your little dog companion. You deserve the cuddles. Accept $100-200/mo from your daughter if she can help you. Rent out a room or two if you’re still struggling! You sound like a lovely woman. You’ve done the best you can under very difficult circumstances. Everything will be ok.

[@stewbugz5213]

Much better advice than elderly hating George!

[@whatevergoesforme5129]

Agree. And I have seen a lot of other good advice suitable to her circumstances from other commenters. Answers should be tailored to the needs of the caller and not a one size fits all. Even a reverse mortgage might be helpful since with leukemia, she is nearing her end (even though I know reverse mortgage schemes are rip-offs and a big no no for Ramsey and his cohorts like CC). However, this guy host and some heartless commenters here prefer that advice be given with put downs because a caller should not be thin-skinned or a snowflake, according to them. What good will shaming her do her now? She knew that life sucks and no one is making excuses for her mistakes. It is what it is. And I don't buy the excuses of the shills here that this was done to warn us about not saving for our future (as if we don't know that already if we follow this show LOL). The old lady was explaining her expenses but they did not want to hear her out. Had they listened they could have told her what to cut (aside from the dog, but she needs it for companionship since people are not robots), what to sell (not just the house), etc. But they just stuck to their usual script without any nuance. She has issues with her daughter, so now is the time to tell her to make amends since at her age, she should try to create good memories with her daughter. This is supposed a Christian-leaning show, right?

[@bernadetten.8751]

❤

[@lisamichele5286]

My heart just melted when I read, " you deserve the cuddles". Oh so true. Also the dog doesn't deserve to be separated from it's owner.

[@NickAndTech]

Terrible advice, the car is worthless, the dog costs more than car insurance, selling the house is her only option to get out of debt and create an instant retirement fund.

[@michaellightbown9492]

I swear when George is on I change the station. Guy pulls the entire show down with his stupidity. Telling an 86 year old to get a job and lecturing her on poor choices. Give me a break.

[@rillawhat8142]

Let me guess? Your WHITE? 50+? TRUMP supporter? If yes to all 3, your comment fits your mindset

[@Tunechi65]

Walfare and seeking help goes against every conservative thinking so not shocked he gave her awful money advice. F everybody but me is the Republican way

[@TLA123y6f]

Yeah, I haven't watched him since and I don't plan to in the future. And since Dave did not address this in the way that he should have - he is just as guilty. George needs to be Boycotted!!

[@stewbugz5213]

@@rillawhat8142 it’s “you’re” not “your”. Lord, if you’re going to rip on someone at least learn grammar and vocabulary!

[@VovvenGromit]

Ok, George needs a leason in how to talk to elderly ladies, with a bit of empathy and respect. Did he seriously just tell an 86 year old lady with cancer since 20 years, to get a job and ger rid of her dog? Really? I'm all for the Ramsey principles, generally speaking, but that was just plain mean.

[@vanessalang3966]

Be kind to this lady. I don’t like your tone. She can’t work. Have some respect

[@Omar_Zazzle]

What about Prostitution?

[@1jw298]

They are acting like behinds towards her. Respecting their elders isn’t their strong suit.

[@antonioiniguez1615]

She shouldn't have screwed around with money for 86 years.

[@rillawhat8142]

Yeah, who do they think they are?? Dave

[@jenniferwildflower4249]

​ She worked til 80. You don't know the details of what she has provided for her family. She also has leukemia which is exhausting and sometimes long term condition. A little Grace is often appropriate.