I'm Recently Widowed And I'm Terrified!

[@tomboy5212]

I lost my husband of 25 years and it took me 4 years for my brain to work again!!!

[@deem5521]

I love this advice. “Park it for a year so you can heal.” So sorry for your loss.

[@stevenporter863]

Great advice for any big life event ( financial windfall, death, big inheritance, etc. )

[@valerieevans2036]

❤️. Glad she called Dave instead of others like family and friends. Once she grieves and sits in it during the time (and beyond), her mind will be clearer and her thoughts will be more discerning so she will be in a stronger mindset moving forward. Everyone who's experienced a loss can be helped by Dave's response here.

[@victors16811]

The importance of having life insurance, the man left his wife and kids without a problem, honorable man rip

[@bones6554]

I may be wrong but she married herself a "sugar daddy"! I've only known of one marriage that has much age difference and he was her "sugar daddy".

[@benmyers9030]

​@bones6554 you understand that women are attracted to older men right? Nevermind, you clearly understand nothing! Carry on!

[@ThreeorMore209]

@@bones6554- I had the same thought.

[@suebotchie4167]

He loved her, his actions (life insurance) show he was for real.

[@jrwheeler81]

Exactly. I lost my husband very suddenly and unexpectedly right around the same time as the woman in this video (according to the date this video was posted). Thankfully, my husband left me with a $250k life insurance policy, which I was able to get within a week or two of his passing. I am SO grateful that he had his affairs in order so that I wouldn't have to struggle, and it allowed me to get out of the home that we were in at the time and hated and buy a new home.

[@adamseidel9780]

At huge sigh of financial relief to have $800k in cash sitting there to protect everything. Like Dave said, in this rare case the best thing to do right now is NOTHING.

[@pattyajones]

The empathy for this caller made me cry. I was widowed at 27, we had a 3-year-old and a $120K life insurance policy. That was 30+ years ago. My heart goes out to her.

[@lj2192]

I’m very sorry for this woman’s loss first and foremost. Kudos to the husband who left this world leaving his wife and two kids taken care of financially. This woman seems very smart and seems willing to listen to Dave’s advice. God bless this family.

[@المهديخاتلبالمجاري]

A guy will come along and capitalize on this money.

[@maiaheiss2991]

@@المهديخاتلبالمجاري or maybe she won’t attract that. Or she will see through it and be just fine. 😉

[@genxx2724]

@@maiaheiss2991 I hope so. The security he left is for her and the kids. If she gets involved with someone, she needs to keep it aside for the kids.

[@Ryan_DeWitt]

Dave's advice in this call was very wise. Never, ever make important decisions of any type while you are emotional is the theme and it holds true in just about ever circumstance.

[@RajaSekar-eu1nk]

Ryortyuutt

[@childofgod884]

I wonder if this poor guy was vaccinated. If so we all know why he passed.

[@ez-g3090]

She's not emotional, she's just looking for a way to get money. Women want providers not lovers. Stay single men.

[@Winnie-Kay]

Such good advice. Take a year. Enjoy your babies and mourn your husband. I'm so sorry for your loss.

[@brettwalsh2847]

It is moments like this that the call show helps people immeasurably. Dave handled this call with empathy, calmness and gave advice to a person who is in a very challenging place and can be crippling if handled incorrectly. Very quality call and great advice. I believe She will listen.

[@rinew9611]

So sorry for her loss. I experienced a similar situation only my son was 16. Dave’s advice is spot on. Absolutely right.

[@silverfoxproductions6923]

I’m so sorry for your loss. God is close to the broken-hearted (Psalm 34:18).

[@ez-g3090]

Women want providers not lovers.

[@wideopennoklahoma7014]

and NO DATING!! the wrong people will line up fast to take advantage of her!!

[@ellencox8415]

^THIS^ You're not thinking, just surviving at this point. Plus, you don't want to be exposing your little ones to anyone new right now when their world is completely upside down.

[@sb9697]

Upsolutly true !

[@Mahomesfan615]

This was my first thought. I hope she used a fake name and city.

[@mikec.4343]

Yes! I'm so glad someone else said it first. The losers are already lining up to move in on this woman and her kids.

[@suebotchie4167]

Keep wearing your wedding ring - at all times. It's armor.

[@laureltrawick6452]

Do not make any major decisions right now. Listen to Dave. I listened tO the wrong people and lost EVERYTHING! House car job all my money etc. My family cried their way into me giving away money care etc before I woke up from my grief. My husband died like yours. I'm very sorry for your loss. I'll be praying for you.

[@slf5141]

Oh im so sorry what you have been through

[@purpleviolet207]

So heartbreaking. My deepest sympathy and prayers for this young mother and her little children. May God bless this family.

[@thelovelykimmi7920]

Widowed at 31 years old. That’s tragic.

[@labornurse]

He was 50 though. Many guys have massive heart attacks in their 50s.

[@takingbackprofits1280]

When you marry 20 years your elder.... you're rolling the dice

[@evelyndaisy9722]

@@labornurse 50 Is still young but lately there’s been too many Heart attacks.

[@maryeverling8238]

@@labornurse Nobody regardless of age is promised nothing beyond today n that includes you…

[@l-train7876]

That’s the risk of 20 year age difference.

[@jaylenjenkins1696]

Very good advice glad to here you tell her that because you have so many people out there that will try to take advantage of her because she not all together in her head right now

[@ez-g3090]

Looks like she's taking advantage of his death.

[@mirabella2154]

Also very sorry for the children that are so young and won't be able to have time with their father.

[@ez-g3090]

At least somebody's concerned about love and not money.

[@kathym8223]

I wish you had also suggested to find a good grief counselor. Having someone to talk to is truly a blessing.

[@Peaceful93754]

So sorry for her loss. I pray she finds a support group for widows with young children.

[@Jane5720]

No, that’s not healthy. You don’t need to hear about everybody else tragedy cheese and then go on and on about it every time you meet

[@genxx2724]

They can’t help each other. They’re all in need of help.

[@genxx2724]

@@Jane5720 Even pregnant 9/11 widows soon got married again and had more children who are now 18.

[@thefpvlife7785]

Such sound advice during tough times. I enjoyed this episode most.

[@unfairsanic5089]

Yeah dont buy expensive things while you are in grief. So sorry for your loss i hope you heal one day

[@atdepaulis]

Wow… I needed to hear this today… I lost my father suddenly in February and felt like it was odd to have it go I waves… I am glad to hear it is normal to go in waves and pause and not spend any money… ❤

[@drchrisgrayson2042]

Hi, Beautiful Lady. So sorry 🥺. about your lost how are you and your weather condition like today?

[@cg741graf5]

Dave was great on this one. I’d add selling the house and buying a townhouse: Less work and stress. Let’s the grieving have a start.

[@tranggoebel5641]

“Give yourself a park mode and heal” and it makes sense to grieve and don’t self medicate with grief spending

[@lkj0822g]

Hopefully, this caller has a good support group of family and friends who will understand and be there for her.

[@WonderWomanInMichigan]

Hugs and love from Michigan. So sorry for your loss.

[@dclaet1135]

Very sound advice. I understand grief spending, been there. So sorry for her sadness and loss.

[@jarredsmith9187]

Poor woman,I feel so bad for her.Dave is right on his advice.

[@denisebarker9288]

God bless this lady. I hope only for the best future.

[@DarkStarAZ]

Net worth is a million plus. Live below your means and eventually get back to work. Dave gave great advice. He probably did a long Zander commercial right after this segment, which is a good thing.

[@Primitive_Code]

We're going to be on beans and rice rice and beans, we're not going inside of a restaurant unless we work there. And for god's sake, don't be going on vacations that you can't afford or while grieving. Hold on, we're gonna send you a copy of Ken's book.

[@pattyajones]

Yeah, cuz that's what she should be thinking about after her husband died, in their bed, and she has 2 kids?

[@TheDjcarter1966]

This is why life insurance is sooooooo important. She is going through a though time BUT she doesn't have any financial worries for years to come she can get things figured out...she can breath. Imagine without life insurance her option is really just sell the house breath for 3-6 months maybe then get back to ASAP and figure out how to put food on the table.

[@charms87]

Dave's advice to avoid major decisions was good.

[@tijocreates]

Dave handled this call beautifully. I agree ,I think she will be just fine if she doesn't make too many major decisions now. 💖 🙏🏻

[@sylviacisneros6933]

Don't sell or rent! You need to change your bedroom and snuggle with your babies! You need to heal and seek support. Go on nature walks! You will be okay! Best wishes!

[@jmiller3579]

True especially if it was good mortgage rate…. Repainting would be good it might be wise to part with the bed

[@ajalicea1091]

That is the best advise for this lady or anyone going through this situation. Had a lot of people asking me what I would do if my husband did not come back from the Middle East. 1. I would have been like her and would have had to sell our place Lock stock and barrel. 2. I would do like she did and get some advice from the Ramsey team or a good financial team. 3. I would wait a year possibly two before buying a new home. Prayerfully she is way ahead of the game at this moment. Enjoying those babies as they're growing up.

[@brucerivers6627]

Our prayers go out to you and your family . God is with you don’t forget .

[@janetcarstensen1979]

Unless Megan decides to buy a replacement home with all cash, she may not be able to qualify for a loan especially with tightening lender requirements right now.

[@coffeewiththeunknown8302]

This was great advice, so sorry for the families loss.

[@soothsayersentinel7777]

Dave is one of the only people I can say will take a logical approach to a situation, while also being so completely empathetic, caring, and loving to someone he has never met. Truly a great human. Better than you deserve? Sir you deserve great riches in heaven.

[@randymorgan7133]

My boyfriend had a massive heart attack too , ironically we were at the hospital. Saved his life..

[@carmenross1077]

Condolence to your loss. You will be fine I was able to raise my children as divorcee with little kids, husband left no child support , with handicap one kid, homeless no home no money. Years passed all my kids grown on their own now. I did well hard though, but all those are behind me. Thank God for that. You will be fine .

[@martingainty9623]

1)Payoff mortgage 2)figure out where you want to go and go there with the remainder of insurance proceeds 3)You can RETIRE from working if you keep the house and rent it out Renting would in all probability cause her to LOSE EQUITY (because she wont own squat) and LOSE MONEY (because RE prices go up 12% per year)

[@crusherven]

It's extremely unlikely you're going to be able to support yourself and two kids on the rental income from a single property. Not after you subtract taxes, insurance, and maintenance.

[@bethechange8889]

Such great advice from Dave for this sweet woman.

[@shalein6688]

God bless this woman and her family!!

[@racpatrice]

I would sell the home and downsize. If I could get a decent home for 100-250k I would take it. I would take as much time off as I could and just focus on healing and being with the kids as well.

[@jimklemens5018]

You would need a $600K down payment in order to buy a 1800 square foot house in our neighborhood.

[@racpatrice]

@@jimklemens5018 Wow ok....Well maybe she should move to a cheaper area. I would never recommend renting if being able to purchase a home is an option

[@mikesawyer4707]

This women needs love and prayers. And some very sound financial advice. Step right in Dave this lady needs you and we all need you more now than ever. God bless.

[@annm.7176]

You could always lease your house out until you decide what you want to do but I sold mine and I'm really sorry.

[@wickedbird1538]

Wonderful advice. Don’t make major decisions while grieving. Park the bulk of the money for a year in order to heal.

[@slf5141]

I was widowed in 2021 .. i didnt do anything for a year but survive .. took 6 months off work.

[@navigator72]

I’m sorry for Your loss

[@davinasquirrel7672]

Sudden unexpected loss really sends the surviving partner into a tailspin. At least with an illness leading up to death, there is some mental/emotional preparation, but not for the sudden loss. My neighbour of a similar age, also widowed in her early 30s, suddenly, and was not thinking clearly at all. Hopefully she is doing okay now (she moved away) and it has been a few years. The rule is always - in the first year, DO NOTHING other than grieve the loss.

[@englishrose4388]

This man cared for his wife and kids well by having this life insurance.

[@suebotchie4167]

Amen.

[@Tiffshouse]

So incredibly sad. Glad to see he left her with plenty. I can’t get my husband to get life insurance, he is the provider, does construction. I sent him all the info that you recommend, Zander life insurance. he even went through all the steps, got the physical and submitted all paperwork just to find out they wanted too much for life insurance a month. I’ve been asking him to call and ask of less insurance. He won’t

[@lilo4399]

I've been widowed twice, in 2008 and 2019. It is terrifying. I was 37 and he was 48 first time, second time I was 48 and he was 61.

[@jeannehunter5344]

Getting divorced owing to your husband's menopausal adultery - imagine the terror of getting left with two young children and the minimum of maintenance, after you spent years helping him building his career. And then the new wives (there's been two to date) spending as if there's no tomorrow, even going to town with his pension money, so there will be nothing left for your children. That will certainly destroy your trust in men and the legal system.

[@brucefredrickson9677]

@@jeannehunter5344 Sorry, but you picked badly...not all men are bad.

[@tonimilstead5089]

How awful! God bless her and her babies🙏🙏🙏🙏

[@garythorsell5061]

Good advice 👍 David sometimes it's best to wait ✋️

[@annm.7176]

For one thing don't sell your home You have to take your time deciding things not jump into them

[@BettyMensch]

Dave gives excellent advice

[@janetslater129]

I:m a year behind this, but I agree with Dave on this. As someone who has lost both parents by the time that I was 40, that first year is the absolute effing worst. I call it the "year of firsts," and that can be worse than the actual event/trauma itself, as it takes a long time to "pick up the pieces" (so to speak). It's the first year of having to deal with the loss on so many different levels, and not just the stuff that has to happen immediately after a person passes away (like funeral expenses, life insurance stuff, any other immediate legal matters that come up, etc), and it is A LOT to deal with. I know that with my dad, I was also dealing with the mental trauma of giving him CPR on the floor, which did resulted in PTSD, and me needing to be in a mental hospital to get very somewhat stabilized (keep in mind, this was right at the very beginning of COVID). You're already having to deal with so much, that you cannot expect yourself to make huge decisions. If you need to make a bigger decision, please have a trusted person with you for that process. I hope that woman is doing a lot better now, and I wonder if there's an update on her.

[@winggullseagull1230]

Very sad & it's why it's so important to live for today it's all u have. Here today gone tomorrow, the downside of foresight & living for the future is we may not be alive for the future to benefit from it. So live for the present it's all u have. Tomorrow may not come & is promised to nobody. All the money in the world isn't going to matter to a dead corpse.

[@jeanwebber4046]

Sorry for your loss time will help

[@drchrisgrayson2042]

Hello 👋 Beautiful Lady 🌹..how are you and your weather condition like today?

[@oneeyedman99]

I hope she has a shoulder to cry on. So many people rebound into bad relationships because they just need somebody in their life.

[@raphaelszok8561]

I hope she keeps in touch with Dave so she can get advice. Once people find out you have money all the beggars come out.

[@bettyechols6405]

If you sell, and buy a condo, you won't have to pay for lawn care...or worry about cutting it yourself....if you rent, all maintenance will be taken care of, and you will meet a lot of new people

[@robin52164]

Good advice, BUT, not everyone is in a place to park and cry for awhile. This lady was very lucky, her husband left her in a good place. This message does not apply to every widow/widower situation.

[@ThatGuy-fx8yc]

This is a great plan!

[@katt6894]

If she chooses not to work full-time or is unable to since her children are so young, she would get SS benefits for herself and each child as well.

[@grod805]

This is heartbreaking 💔 😢

[@jrwheeler81]

According to the date this video was posted (July 2, 2022), this woman lost her husband only a couple of months before I suddenly lost mine. My husband passed away very unexpectedly on June 28, 2022, from sepsis, just 3 weeks after he turned 52, leaving me a widow at only 40. Thankfully, he did leave me with a $250k life insurance policy, which allowed me to get out of the house that we were in at the time (which we both hated) and buy a new one. I know how terrifying it can be. I had been with my husband since I was only 18 years old, so I didn't know a life without him. We were always a dual income household and there I was, suddenly just me and our pets all alone. It can be VERY overwhelming and terrifying.

[@MrRacket991]

Plenty of widows suddenly find themselves with next to nothing. She has seven figures. She could be grieving. But terrified??

[@maryreddell6529]

It is terrifying to lose a spouse w/small children. All the money in the world would not prevent this.

[@sharons5714]

Her life has been turned upside down. Yes, she is terrified, her future has changed. What terrified me when I lost my husband was making decisions on my own. We always talked them out, and I felt we made better decisions with two inputs.

[@karenjensen2345]

I don’t know if I would rent. Moving sucks so much especially with little kids. I would probably downsize and find an easy to manage smaller house.

[@philochristos]

I remember when I was younger thinking it was madness to get married knowing that eventually, one of you is going to die first, and the other will have to face that grief.

[@rickrader5004]

She would qualify for Social Security widow's benefits. She would get a check for each child on their father's earnings.

[@miketheyunggod2534]

This shows you tomorrow is no guarantee. Only today is. Life your life NOW!

[@Fedgery007]

This was heartbreaking.

[@bettyechols6405]

Lady, DONT LET NO MAN MOVE IN WITH YOU. DO NOT PAY FOR ANY DATES: DONT PAY FOR ANY DINNERS, DONT LEND NOBOBY ANY MONEY. DON'T LET ANY BODY KNOW YOU GOT THAT MONEY...ESPECIALLY MEN

[@matt75hooper]

Dave pulled this poor woman through what could have been a terrible financial period for her. She's 31 with only a $1.2 million to squeeze by on. Dave does it again !!

[@dericanslum1696]

..."only"...?..."squeeze by on"...?...hilarious...

[@Anthony-zw1qb]

God bless you Dave

[@janetcarstensen1979]

If Megan is going sell the home, timing may be very important for taxes on the gain which may be less than if she waits until 2023 and files as a single woman.

[@ez-g3090]

She should have stayed single instead of taking this poor guys money.

[@emmarose6590]

@@ez-g3090 who hurt you?

[@ez-g3090]

@@emmarose6590 ah ha ha ha! You know I'm right.

[@imveryhungry112]

This is great advice

[@darex0827]

No one asked or mentioned anything about investment accounts etc. I wonder if there was other money.

[@coolaunt516]

She may be eligible for Social Security for herself and the kids also.

[@aolvaar8792]

would never be mentioned by Dave

[@ellencox8415]

They would have had to have been married for 10 years. It could be the case, but I doubt a 21 year old married a 41 year old.

[@genxx2724]

@@ellencox8415 Idk about her, but the kids are entitled to benefits,

[@sq2441]

Kids get social security yes

[@aolvaar8792]

@@ellencox8415 That's for divorced, collecting on the Ex's account. Kids collect 75% each, up to the family max She collects widow's at 60

[@maiaheiss2991]

This is such good advice. 💗

[@oneeyedman99]

Everyone says that George will be the next Dave, but he was clearly a deer in the headlights here. Dave's at least as good a therapist as a finance guy, George is great with numbers stuff but he's no therapist.

[@bartathalon1]

He would need John or Rachel with him for this call.

[@joechang8696]

that's a pretty good life insurance policy. With a paid for house, about 400K left from the insurance, possibly other investment/retirement funds. She should get Social Security survivors of 3K per month? I am thinking go back to work after a while, between that and social security is enough to live on. then the investment growth on the 400K should be enough when it is time for her to retire. Perhaps selling the house and downsizing could net more, but that decision can wait.

[@kimberlykay3869]

Yall should know that When you open IG/face book... Just tell Marvis gateway if you want any Help... he answers quickly...

[@muzerhythm2242]

Feel the same😁. I agree with Dave until he said...sell the house and rent. I was going "Are you kidding?" I agree with you to have that security while going through this and not need to worry about homelessness on top of things....to EITHER pay off the house or move into smaller house paid for....NOT rent.🤦‍♀️

[@shirleyanderson4318]

With that much money she are to be able to figure it out ,with no problem. It will take time.

[@rockk973]

I just lost my wife at age 42 April 14,2023 changed my life forever. I was left with a 7 and 4 year old. Unfortunately I have life insurance but unfortunately did not get for my wife , we talked about it but then she ended up with cancer. 😢 life is difficult

[@ryanharem2808]

I lost my wife at age 39. She walked into a hospital for a surgery during the pandemic and never walked out. I was left with a 3 year old and a 16 month old. It has been a extreme challenge for me as well. I am sorry for your loss. 😢

[@rockk973]

@ryanharem2808 Hey I am so sorry to read this. My deepest condolences 🙏. You are absolutely right we have challenges for sure. I am over 10 months out but we just keep pushing forward trying to make mommy proud, so greatly missed. You must be a amazing dad and you need to be strong for them . ❤️ Absolutely no greater pain in the world. I've been staying active long walks exercise when the kids are in school help. Please reach out if you need but I totally understand. God bless you and your children.

[@MattyVice]

She was probably his personal assistant, and thats how they met

[@manylaughs9002]

Holy cow. The children. Chin up, chest out! 🥹

[@oldfordman68]

What a horrible place to be in but it sounds like they planned ahead and she will be ok

[@johnniwa308]

I've been binge watching and have decided to pay of another rental home with savings. Gonna bite the bullet With 20% of my savings and will be happy

[@sarahmilner8483]

Poor woman BUT what kind of world are we living in that someone with 850k has to be worried about living life🤔 what hope is there for the rest of us with a fraction of that😳

[@bradwilliams4921]

I hope God blesses her.

[@monikaw1369]

Also, called family to help with taking care of the children for emotional support.

[@ajones8008]

he was 20 when she was born

[@geo865833]

Heart attack... 50 years old... out of the blue.

[@bettysmith4527]

Happens a lot! Mid 50s seems to be the hot spot for dying unexpectedly for men.

[@boxelder9147]

Is the 800 life insurance 800 a month?

[@kristic4472]

I wish my husband had life ins. Anything happens to him, I'm in a cardboard box. :'(

[@tristanrodenhauser5267]

You can collect his Social Security to support the kids

[@TheNicole8787]

This is me same situation

[@CristinaEvans-w2m]

I found my partner of17 years dead 4 months ago he was only56 😢😢😢😢