My In-Laws Want Their Money Back, But We Don't Have It!

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[@l-train7876]

I would be mortified if my husband and I owed one of our parents money for 10 years🥴.

[@caseyhill636]

Absolutely MORTIFIED. 😮

[@cappystrano1]

@@caseyhill636😂😂😂

[@gordocarbo]

Never had that option in life. I left well before 18...when things didnt work out calling anyone wasnt an option. Leave it all there and start walking, welcome to being homeless .That was over 40 yrs ago.

[@l-train7876]

@@gordocarbo I left before I was 18 too. I waited tables and rented a room at 17 with 4 girls who were in college. Why did leaving early lead to homelessness for you?

[@SheIsBlessed]

The parents are requesting it back because they see how badly they manage their money and how ungrateful they were not offering to pay it back.

[@rachelgooden9981]

My thoughts exactly

[@gnollio]

Yes. They basically put the temporary discomfort of paying back $10k over the potential of damaging their relationship with his parents. Clearly the parents haven't forgotten this and must have been hurt for years about it.

[@channell11]

Why are they getting 30+ grand cars when they owe money to family?

[@quantumlarpbot]

@@channell11 My thoughts exactly. They make decent money there’s no excuse

[@patersonplankrd]

Not true at all. The caller said why... The in laws are very clingy. They want to follow the couple across the country and move into the same town. The inlaws have serious boundary issues. I have a friend who's wife's family has boundary issues. Adding to the problem is the wife's mother is a hardcore bible thumper and very very image conscious. She is also a ripping gossip. Anyway, during the construction of their new home, the in laws were there every day. After they moved in, during the decorating phase, mother in law basically decorated or at least tried to decorate the house the way SHE wanted it. My buddy had a heart to heart with his new wife. A decision was made. So the in laws made their daily run to the house and just like always, no knock or ring, just walk in. My buddy and his wife sit them down an tell them , they need their privacy and space. That there would be no more "just walking in"...And, if they wanted to come over, they had to call first. No more of this 'just coming by'....Naturally the in laws got very offended and protested......In laws took a LONG break. In the end it was healthy for the relationship. It all worked out.

[@nkyryry]

If you’re driving a car with a $30K loan while you owe me $10K... I’m slashing those tires. No wonder they’re offended.

[@melanieb2132]

@Dementia Joe too much there.. she didn't even count her student loans as debt!!

[@paulinoaz]

@Dementia Joe They make 130k, a 30k loan on a car is not the problem.

[@paulinoaz]

@Dementia Joe Listen to Dave, follow his steps. Dave clearly says (many, many times) as long as your vehicles do not exceed 50% of your annual income you are ok. They are at about 23%, their 30k vehicle loan is NOT the problem

[@paulinoaz]

@Dementia Joe that is going forward. If you already bought a car then you pay it off as part of the debt snowball if it is less then 50% of your income. That is what Dave says, listen to his advice, don't make up your own rules and do Dave'ish

[@kdel45]

@@paulinoaz If they didn't owe the inlaws 10K it wouldn't be an issue.

[@stephenayriss5049]

That family needs a awakening. You have 10k in the bank and you tell them you can’t pay them? You CAN, you just chose not to

[@lovelettejackson8241]

She has more than ten thousand in the bank.

[@RaleighLink]

The caller is a terrible person, if they had paid back $100 per month this loan would’ve been paid in full in less than the 10 years it’s been. Showing that they had ZERO intention of ever paying back the loan, and even worse wanted to shift the blame onto their family for asking for the money back… WOW.

[@jamisojo]

I don't know about you but I expect more mature behavior from the older parents that loaned the money then from the young adults who accepted it. The older adults should have known better than to borrow money to their children.

[@dcarr-kr7hk]

@jamisojo... I disagree. They are not, nor were they, children.

[@jananderson5712]

I was thinking the same thing, $100 a month and it’s done.

[@jeraldbottcher1588]

I owed my ex father in law 2k for help when my ex and I bought a house. That debt bothered me for a long time. even after I ended up getting divorced and filing bankruptcy it bothered me. Well about 5 years later I was able to scrape up the money and paid him back with interest. It was the correct and moral thing to do. I felt better about myself and was able to sleep better so to speak. Even though we rarely saw eye to eye he accepted it graciously!

[@Margatatials]

​@@jamisojomaybe the wrongly assumed the son they raised had a conscience and wasn't lieing when he told them he would pay them back when he could afford it.

[@Margatatials]

"We don't have the money to pay them back" literally has the exact amount sitting in their bank account

[@username00009]

Except they never talked about how much the mortgage payment is. Could be $5k/month depending on where they live.

[@Margatatials]

@@username00009 then that just makes them even worse kids for buying too much house when they owe money, sell and buy a smaller house.

[@euenfheiejrj]

@@username00009 they live in North Carolina. It’s not that expensive

[@rhoonah5849]

True but rarely can someone empty their checking account for an unexpected bill. They still have a mortgage, light bill, car payment, groceries, etc.

[@Jaxmusicgal23]

@@euenfheiejrj believe me… Raleigh is expensive AND def big houses down there

[@whiskers78753]

They didn't pay the in-laws but they bought a car? WTH.

[@genxx2724]

Yep. It’s wrong to indulge in luxuries when you owe people money. It’s like spitting in their faces.

[@deanalbertson7203]

They probably bought the car to drive to work.

[@alison4610]

@@deanalbertson7203 a 2k Toyota Corolla can get anyone to work

[@deanalbertson7203]

@@alison4610 I would rather drive a safe and reliable car to work.

[@bushmonster1702]

Disgusting behaviour.

[@ErrorPagenotFound-ig1cy]

Who borrows $10k and never intends to pay it back? Caller was hoping Dave would be on her side lol

[@darthfrancium1166]

Sad part is Dave kind of was.

[@melanieb2132]

@@darthfrancium1166 no, he was just convincing her to do the right thing. If you can enter in the callers mindset, and placate to her sensibilities, she is more likely to listen.. if he would have completely called her out, she would have just been mad.

[@jasonzheng5839]

“Gave us 10k”

[@username00009]

@@melanieb2132 Dave wasn’t “convincing” - he helped the caller identify her correct debt snowball payoff order according to his rules.

[@melanieb2132]

@@username00009 yeah, AO disrupted his flow. He should have laid into her more. There's so much there that's wrong

[@michigan1291]

Time for the parents to write them out of the will and move on....sad but necessary.

[@pubmeatman]

My daughter is a motivated hard working adult. She fell into a hard financial situation. I won’t go into detail but a lot of things contributed. She was mortified to have to ask me for help. I have plenty of resources and there is no way I’m going to sit back and watch her and her family struggle. I told her she is going to get my money someday anyway and now I get to see some of it helping them while I’m still here. And guess what, now her and my son in law are back on their feet. My help made a difference. Gives me much joy.

[@nodsib]

Unbelievable. I borrowed $8k years ago from family so I could pay cash for a used car when we had our kid, only made around 35k a year at that time, they also said pay us back when you have the money, so I budgeted hard and paid them $500/month and had it paid off in just over a year. These people took major advantage of their family

[@carolineb7796]

I did exactly the same myself. Borrowed 10k from my sister, who said no rush with paying it back. I was earning €35k annually and cut spending to almost zero so I could pay her back within 6 months. She didn’t need it, but I was so grateful to get it and wanted her to know that, and paying it back was my top priority. This caller turned a kind act on its head with her selfishness, what a fool.

[@maureencombites6252]

You’re exactly right! Don’t understand how Dave could possibly say the in-laws are the bad guys. Really bad call on his part.

[@08baby25]

Excalty. We was in the same boat and was able to pay our loved ones back in our life within a year.

[@idasiek]

Exactly right. I loaned my brother 10k to help with deposit for a house (so his mortgage was lower), he paid me back 5k already, wants to pay 4k by the end of this year and is talking about paying my interest (I told him to forget about it, but he's insisting). And yes, I did the same, I said pay me when you can, but I knew he'd pay me back. I always did when he helped me before.

[@marcanthonyrodriguez3636]

Something about that caller rubs me the wrong way. I’m not surprised at all if she now holds the grand kids hostage and does not allow the kids to see their grandparents

[@c_rob1]

There are multiple somethings about this caller 🚩🚩🚩

[@pyewacketpeggy8329]

The grandparents probably gave up. The kids would probably be just as entitled as their parents

[@lizzieb6311]

EXACTLY!!

[@deanalbertson7203]

She does seem a little bit flaky.

[@beckypowell6574]

Seems like the parents of any sons have a tendency to be excluded from their children's lives. 😕

[@ellicemcfarlane6010]

Anthony: "Dave, I got this." He saw it coming. 🤣🤣🤣

[@TheSunshinefee]

this is the kind of woman who feels entitled to everything and feels everyone should support her dreams and lifestyle for free

[@c_rob1]

🎯

[@hillerps]

Yep! I've seen way too many of them in my lifetime.

[@FrankS111]

Caller: “our in laws who gave us a $10k interest free loan TEN YEARS AGO get easily offended” Also caller: “we told them don’t you dare live in the same town as us” I feel bad for the in laws in this situation and guarantee her husband is a spineless push over. This was an incredibly infuriating call to listen to.

[@xboxman5ify]

seriously it's clear the caller just doesn't really consider other people's perspectives, i wouldn't be surprised if her saying they get easily offended is really her just being blatantly rude to them.

[@l-train7876]

The caller sounds like an immature 13 year old.

[@marlenemclemore3574]

Wow ! Wow!!! I am speechless

[@JustLIkerapunzel]

@@xboxman5ifyWell I would also be on edge if I loaned 10k and would see them get a freaking 30k car instead of paying me back cause "whenever you can" is literally BEFORE YOU CAN GET A CAR that expensive.

[@hillerps]

Agreed!

[@Chalk89]

It’s painful to listen to these. If my in-laws loaned me $10k, and a decade later they are still waiting on those funds while being told, ‘no don’t live near us,’ I’d understand if they disowned me.

[@angelag.3266]

I get the feeling they are calling back the loan for good reason. That they aren’t the toxic ones.

[@DaanTheMaan]

Who wouldn't be easily offended after showing someone such a huge gesture of good will, and not having it repaid within a reasonable amount of time... These people need to learn about mindfulness.

[@donkey3187]

has nothing to do with mindfulness...they just didnt want to pay it back

[@vianjelos]

She sounds like the easily offended one. She wanted to cry when Dave asserted that it was a loan not a gift.

[@annamc8228]

Yeah, that’s rude

[@AfroIrish88]

Wait! Wait! You get $10K from your in-laws and then turn around 10 yrs later and tell them where they can't move to??? She didn't say that her in-laws wanted to move into their house. She said that they wanted to move to the same city! And the best complaint she could come up with was that they're easily offended. Huh? I know that we're only hearing from the wife, but her and her husband sound like extremely entitled clowns!

[@cedrimar]

Imagine being owed 10k by someone then watching them buy a 30k car 😂

[@vonzaag4555]

@@cedrimarthat’s just what they still owe on the car. I bet the car actually cost more than that.

[@Dailyfiver]

That moment where you owe $130k and think you have $6k in debt 🤡

[@garys.1415]

10 years!?!? They were going to never pay them. Also, they take money but don’t want to be near them? That’s ridiculous!

[@ecclairmayo4153]

Not paying a loan back while driving a car that costs 5 times as much. Just another one of those "little" things they get easily offended by

[@jamisojo]

​@@ecclairmayo4153a smart person would never have that problem because they would never borrow money to anyone.

[@possible1111]

Dave Ramsey handles things like a real stand-up man. Wish we had more figures like him around today.

[@maureencombites6252]

I don’t believe for one second that her in-laws are now trying to punish them. Even without setting a payback time ten years is way too long to not even begin to pay them back. The in-laws are not the bad guys here.

[@d00ks]

ARE YOU CALLING RAMSEY A KIAR!)

[@potocatepetl]

to me they all seem fishy. The in-laws didn't ask for the money until they were "not allowed" to move with them and they simply ignored the loan because no one asked to this point. The issue though is, legally they do not have to pay the loan because the in-laws have no papers related to the loan. On the other hand, in-laws can move wherever they please, they do not need anyone's permission. Personally, I see a divorce in the future. Unless of course the husband works 70+ hours a week and has no time for the fights so he stays out.

[@mxerb5912]

They are pathetic with money. Trying to get sympathy from their “evil” in laws.

[@whatevergoesforme5129]

True. And there is more to this story. I have a feeling that they have shown their ungrateful nature so the parents demanded to have their money back. Goodness, ten years and with no interest.

[@jasonzheng5839]

@@whatevergoesforme5129 exactly. They make $150k a year and can’t pay back $10k over course of 10 years. Bet they have the newest iPhones and drive a luxury car

[@philipmeisterl]

@@jasonzheng5839 they obvioulsy cant when you need money after coming out of medical school and need money you know how good with money you are She also said she has 6k in debts not 150 so i doubt they will ever pay back the car or when they have they will get another one

[@kolenadeau1345]

@@philipmeisterl 150K a year. There is literally no excuse not to be able to pay off 10K. They probably spend that on leisure easily.

[@Matt-cr4vv]

This call really took a turn as it went on. At first I thought the in laws seemed super petty in trying to punish them to get their way. But as it went along and you factor that they’ve had ten years to pay it back and haven’t done so and that the way they offended them was telling them they didn’t want them to live in the same city as them was definitely a whiplash. I’d be offended too if you were happy to take my $10,000, wait ten years to not pay it back to me nor have any sense of urgency to pay it to me but then tell me I can’t live in the same city as you. Not next door to you the same city for god sake. Wowza

[@user-mv9tt4st9k]

That happened to my father in law, and he was an awesome man.

[@stpierreforjesusthesavior984]

There may be 2 reasons she doesn't want her in laws living close by... and they're not good reasons...

[@06XTOR]

IT'S BEEN 10 YEARS!!!! PAY THEM BACK ALREADY

[@stacyrich113]

They could have saved two thousand a year and paid them off in five years.

[@mrcool76789]

she said they get offended easily, I don't think that ever applies if you owe them 10k with no intention of paying back, that's one big thing to be offended by

[@choreomaniac]

And anyone would be offended if you said “don’t move to my town”.

[@ecclairmayo4153]

That's the part that got me. Yeah its majorly offensive to act like my loan is a gift and instead of paying it back, you drive a acr thay costs 5 times that amount. This caller doesn't realize how bad she sounds

[@jamisojo]

​@@choreomaniac if someone was a big enough pain in the butt that I had to tell them not to move to my town... then I definitely need to say it. Maybe both couples have a difficult time with boundaries and that is why this is happening. If you have healthy boundaries that protect you from people treating you poorly this would have been resolved long before needing to tell them not to move near you.

[@theresamc4578]

Maybe they have been offended BECAUSE you have not been grateful and paid them back in a timely manner. You offended them first.

[@tomvonneefe4269]

Sounds like this girl can't be trusted at all.

[@Myr25636]

How can she think that telling them not to move close to them wasn’t horribly offensive? When you needed 💴-they were there for you. Now that they want to move closer because they’re aging and might need you? Stay away! I would get my 💴 back from you, cut you out of my will, and never have anything to do with you again. It’s obvious you only cared about their money anyway.

[@jamisojo]

When were they helpful? They borrowed money to their children which was dumb. That was not helpful, that was a bad idea. It is understandable that they didn't know any better but it was still a bad idea. If they are a-holes to live near than they are a holes to live near. Allowing them to live near you and make your life miserable is not acceptable. They probably need to set a lot more boundaries with those people. Giving them their money back is a great first step to getting there. If these people were pleasant to be around they wouldn't be asking them not to live near them.

[@Myr25636]

@@jamisojoYou’re only hearing from the DIL. I bet her in-laws have a much different perspective. If they were controlled jerks, then why take their money? It’s back to the standard, we like you when we need 💵, but now that we have it, time to make “boundaries”. She and her husband are users.

[@mustangthings]

She sounds so incredulous that they want what was obviously a loan to be paid back. Clearly she thought Dave would be sympathetic, and that combined with a huge student debt load (even a decade later) with a 150k combined income leads me to believe these two are not very smart.

[@BrianJones-cu2sx]

Dave, you have to be on the in laws side here. The audacity these people have to feel like they don’t have to pay this loan back is insane. It’s been 10 years, I’d be upset too. Granted they should have had it in a written agreement, these people should have the decency to pay back as soon as possible. Let’s remember, it was an extremely kind gesture. These guys make good money. Then to call into your show and ask about it? Pay them back losers.

[@jorgedasilva7665]

Dave isn't on anyone's side. He sided with the in-laws in regards to repaying the loan. He also sided with her in that they she can repay it on her terms and that they can't use the debt as a cudgel. Seems fair to me honestly.

[@BrianJones-cu2sx]

@@jorgedasilva7665 I understand but from my perspective, if family loaned me 10k a decade ago, they would take precedence over everything else in the debt snowball. In laws resentment has already grown and it could reach a point of no return if they kick the can down the road even longer. These people don’t seem like the type of people to put their hedonistic lifestyle aside and save for a month or two. If they have a household income of $150k and they have $10k to their name that says something

[@BrianJones-cu2sx]

@@jorgedasilva7665 Dave said the in laws are acting childish. They just want their bread. You gotta take care of your own man

[@talyahr3302]

Then she told them she doesn't want them to move anywhere near her after their extremely kind gesture!! GAH!! 😬

[@BrianJones-cu2sx]

@@talyahr3302 agreed! I couldn’t believe that. Some people have zero awareness 🤦🏻🤣

[@DebbieBennett-p5v]

When she said she has 10,000 in checking I squealed! Chick, pay off your mother in law. You also had the money to buy an expensive vehicle. Yes, sounds like you have a mother in law that wants to move and follow her son so thats a BIG reason to pay them off.

[@stpierreforjesusthesavior984]

Raleigh is expensive, big homes, fancy cars.

[@cashway0420]

no good deed goes unpunished

[@phyllis9750]

I love how family calls crying for cash. you give them a loan, and then they try to stiff you! No regard for you or your well being. They burrowed FOR A VACATION!!! Took forever to get the cash back. Had to threaten court.

[@dailywordnuggets8148]

I worked with a dentist that still had a $900 a month student loan debt, and he was in practice over 20 years..😳...I had so many questions 😅

[@marquestanderson1388]

@The Ramsey Shōw - Hīghlights begone

[@hornetguy9063]

20 years? Guy should be making like $160k at least with all of that time. Given that it’s been 20 years, methinks he’s on IBR

[@monikadidluch767]

Do you know how much dental school cost?, 90K a year , just a tuition. So dentist when they graduate have 500K easy

[@davidhoulden5791]

Many years ago we borrowed money from our in-laws early in our marriage. We drew up paperwork acknowledging the loan and detailed an aggressive repayment plan. We paid it off early and there was never an issue (oh and we paid them interest!) Now we are in the position where we can do the same thing for our kids.

[@theresamc4578]

In my accounting of my debts, a gracious loan from family would have gotten paid off first. The inlaws got the message loud and clear that she took the money, left town, and wanted nothing to do with them--including paying off her debt to them.

[@verenamaharajah6082]

Ermmm… she’s just their daughter ~in~law. It’s their SON who should be shamed here.

[@marinal2705]

Wait, one of them is a physician making only $150k? Why? That is far below average

[@Ewoonation]

This lady was only concerned about the 10k and was looking for validation from Dave regarding the in-law situation. I feel like they’re not going to even attempt to work to pay off the other debt they have.

[@Foo3112]

10 Freaking years! Sounds like the in-laws got tired of seeing all your vacation photos along with new car and they want there money back. Once they get paid back, I think it's the in-laws who are done with them.

[@jonnaborosky8836]

Maybe they didn't want the parents to move to their town because the parents would see what uber expensive car they bought without paying the parents back anything. Maybe the parents need to be around to help keep this couple from wasting even more money.

[@stpierreforjesusthesavior984]

Probably didn't want mother in law to see how she burns thru money.

[@NYNC88]

She wanted to keep the money, rather than repay the loan. Dave shouldn't have been so critical of the inlaws.

[@jamisojo]

He may be critical of the in-laws because he would have never told them to borrow money to anyone. It is always a bad idea. Always. The only time it might not be a bad idea is if it is an investment that actually makes sense. It can only make sense if there is no personal relationship. I can't imagine the situation that that would make more sense to do than to invest in the stock market or invest in real estate.

[@gardenofe12]

I don’t think that is the answer she wanted to hear. She feels that the $10k given by her in laws was a gift and it didn’t need to be repaid. You can tell from her voice when Dave said that.

[@verenamaharajah6082]

She and her husband think it SHOULD have been a gift. I say SHAME ON THE SON!

[@murderofcrows7738]

I know the pattern is to always hate on the inlaws, but looking at it from their point of view they would have seen these two take out multiple loans, overspend and go further into debt while waiting to be paid back “when they can.” I think the caller is more childish than the in-laws are. Wish Dave had been harsher with her. She needs to grow up.

[@steezydan8543]

About the "be harsher" thing, I totally agree but I don't think it's the best way to help that person. This lady clearly avoids thinking about her debts, she's acted irresponsibly and when she admits it she's giggling like a child, so it's fair to say that she's already WAY off the deep end, so yelling at her is just going to make her throw a tantrum, shed some crocodile tears and strengthen her belief that she hasn't done anything wrong.

[@pursuepower4011]

@@steezydan8543 I've never heard Dave be harsh with women, but I've seen him positively giddy when lighting up men for the smallest of miss-steps

[@rochelle-xz8gl]

This is why I don’t lend family money! I give it when I want to without any expecting of payback

[@jukes243]

When my parents loaned me money I made sure it was paid back ASAP. Within a year at most.

[@NissanZaxima]

"We didn't think it would be a good idea because they would get upset at little things". Lol I can totally tell the caller is the problem with almost everything.

[@ecclairmayo4153]

One of those "little" things they easily get offended about is not having their $10k loan paid back and made to seem like it was a gift while they are driving at least a $40k car.

[@christianc7420]

Caller sounds extremely narcissistic and irresponsible

[@oPurpleGorillao]

Yep, sounds like a typical doctor to me...

[@ecclairmayo4153]

Entitled

[@cocacolakid]

10 years and no plan to pay back 10k while making 150k per year is absolutely shameful. Especially how the woman and husband wouldve needed that 10k at the time.

[@DoctorSmartyPants]

When caller said "when we got out of medical school", I assumed both of them. But if the household income is 150k, that means the husband went to medical school and the caller feels ownership of it.

[@ecclairmayo4153]

Just like when she said "we have noticed a pattern of behavior from them..."

[@bahwickee]

It's like she doesn't think her student loans are included in her total debt..... Dave was ticked off

[@username00009]

People have been taught to believe that student loans count as “good” debt, which in turn means some people don’t really count student loans as debt 🤣

[@mickeyhead9770]

They are disgusting not paying back what was loaned to them. I hope karma bites them in the butt!

[@refilwegoll9983]

Why is she not paying interest as a nice gesture for the loan? That is ridiculous!

[@ghostophelia2245]

When i was 18, i loaned my dad 1.5k so he could afford a roof over our heads. He had made it really clear, in writing, how much he owed me, when, and with how much interest, along with consequences if he didnt pay me. It taught me EXACTLY how you borrow money from someone. There was no awkwardness or sour feelings. It actually made me feel really good to contribute to my family in a time of need without feeling like my future was in jeopardy. And he repaid me back. I got a loan from him when i bought my car a few years later. My dads a fan of dave ramesy. I think he learned from the best haha

[@33ladyRAM]

She never intended to pay them back. I went through the same thing and I had my loan agreement written down between the both of us....over 14 years never got it back!

[@achavez78]

They're living above their means....

[@Je.rone_]

When a family member ask you for a loan *just say no*

[@homesteadrevivals]

Wow. What an ungrateful son and daughter-in-law. That must have eaten away at the parents, to see their kids spending all that money and not making any effort to pay them back. Then, their kids twisted the knife, by telling them they didn't want them to live nearby. Those parents must feel like failures, to have raised such an entitled and selfish son. Perhaps they should leave their estate to a charity.

[@gp3012]

The fact they took a loan on their cars before paying their family Loan just shows their level of selfishness and entitlement. …and they are Doctors suppose to help people!!?

[@Chromewarrior]

How about; Thank you for helping, paid in full.

[@nurse.christian]

I was with Dave when he slammed his hands on the table in frustration 😩

[@clarifyingquestions]

How do you take a loan out to buy a nice car before you "pay someone back when you can"? brutal!

[@wickedbird1538]

😮😮10 YEARS debt to people you don’t want in your life!!!!! That should have been paid off a long time ago.

[@eyehatemyjob2314]

She was looking for someone to agree with her that they don't need to pay it back. She called the wrong show.

[@RGTomoenage11]

10 years, yeah I’ll want my money back as well...

[@mph5896]

"Getting out of medical school". And you make $150k a year combined? NO, thats not medical school!

[@ofbrysonmen3135]

Chiropractors probably

[@nkyryry]

@@ofbrysonmen3135 chiropractors don’t practice medicine.

[@tn7846]

@@ofbrysonmen3135 even them both being chiropractors, they prob can make more than that combined. i thought the average salary of a chiro is around 100k. so they both should be making a combined of 200k++. something doenst add up unless only one of them is a chiro and the other one works something that pays around 50-60k

[@icesk8ergal1123]

Well, as soon as you get out of medical school, you have to do residency for 3-4 years. Residents only make around $55k-$70k. So if both of them were residents, that makes sense. Once they become practicing physicians, that goes up. I wonder if only her husband is working now? Idk, weird call.

[@tn7846]

@@icesk8ergal1123 yea but chiros are not MDs. chiro is pseudoscience. im strictly talking about chiros. even if they were both MDs, 3-7 year residency and being an attending physician for a couple years should not have a combined income of 150k

[@MTCoblivsicas12345]

When ever lending money always get it writing even if it is family sounds cruel because you are related, but any judge Judy episode would tell you.

[@Shopgirl1]

No money in savings and $10k in checking..unbelievable on $150k a year..how ignorant are people!

[@Sin-D_]

🤥 I don’t believe for a minute that they don’t have some sort of savings. Her hesitation to answer the question tells me she’s lying so Dave and her in laws wouldn’t know they have some savings. She already lied several times about the gift (i mean loan)… 🙄 and then about the additional debts. You can’t believe anything she says. And Dave responded with coddling her; and some BS about the in laws being unreasonable in some way. HUGE DISAPPOINTMENT IN DAVE on this one!! They’ve probably asked about the payback of the $10k many times over the last 8-9 years, but these selfish brats just blew them off not taking them seriously.

[@TheLivedeath]

Anyone want to bet they bought a house outside their means as well?

[@theamaturepro]

I make 52k and have paid off 24k of debt in two and a half years while also contributing significantly to my IRA. I could have paid off more debt than I did, but choose to spread it out over 4 years since the interest was charged up front and not accumulating over time. Got rid of all my cards and bought a nice truck for 5k with a blown motor I rebuilt for 1500. Biggest thing anyone can do to save money is learn how to fix things yourself instead of hiring people. Or make friends with people who can. When they offer to do it for free, let them, but when they're done, give them a hundred bucks and they'll be happy to help you anytime. I'm that person for a lot of people.

[@imout671]

Pay your inlaws back tomorrow! Go get as much as you can in your bank and borrow the rest. Pay those kind folks back NOW!

[@Bob_Diesel]

How is one of you a doctor but your household income is only $150k? Something ain’t right.

[@cathyl7944]

GP can make around 100k.

[@user-rz8vp1bd2y]

Lol maybe she means NP school or chiropractic

[@mph5896]

Doubt either one of them went to medical school . Lady was confused the entire time during the call. Husband is prob a PA making $150k a year combined salary.

[@tn7846]

@@mph5896 i agree with this. there's no way that a MD that graduated 10 years ago is making 150k unless they're part time.

[@comment_account2343]

just looked up primary care physician salaries in Raleigh. $150k is what you would expect. I don't think she is working.

[@newmexicoballer3867]

Loaning family money can tear families apart.

[@curiouscat3384]

"I got this Dave - I got this...." So cute. I've never seen Dave flap his arms like that - he's obviously ready for retirement lol

[@jaysmith6013]

Never borrow money from family, but if you do, make sure you pay it back ASAP

[@sarahpoisel6734]

Poor Sarah Debit snow ball: oh 6grand But this that and the other Dave: that’s 150 grand 😂😂😂😂😂😂😂😂🤣

[@evalramman7502]

Never give money without a written contract. Notarized, too.

[@14catsand1human]

They were tolerant of their behaviour when they were collecting the money but not ok when they delayed repaying.

[@jtixtlan]

You could tell from the beginning of the call that she wants to keep her in-laws’ money and she wants to control their “pattern of behavior.” She had no intention of paying back their generous loan.

[@debramason7237]

I cannot imagine my child telling me not to move near them. That's heartbreaking. Is that what you call easily offended? You need to respect the people who raised your husband more. In the end your husband will resent you, and your children will abandon you when you are grandparents... Because they never witnessed that bond.

[@Columbus1152]

Our policy when family asks for money, absolutely no loans, if we can't afford to give it too them it's a "sorry we don't have it". Loans between family can ruin relationships.

[@larrywiener6327]

Did I hear her say that they had medical school debt? If so, why is the income not highlighted?

[@fsm12385]

Pay it back simple , oh my is your husband listening to the complaint you have with His parents , amazing !

[@adamlee2550]

Dave is spot on. 'Give it back whenever' is a loan with a beyond-generous payment plan.

[@evanessmuvimi1678]

She’s slick

[@robynetaylor6605]

I don’t think she was telling the straight truth about the loan. Her husband should be in front of this.

[@Shane7492]

Goes to show that you don't have to be smart to make $150k per year.

[@Ballygirl886]

Daddy should have known his princess had no intentions of paying this money. Hear her giggle about her debt.

[@amyridley3926]

"They gave it to us as we got out of medical school" and they only make 150??? They don't have 10,000?!?!

[@rickvelez8986]

Damn she went from having only 6k to 146k in debt💀

[@blitzkrueg07]

Personally I would have told them pay the inlaws with the 10k. In the bank. But Dave doesnt stray from his debt snowball rules. Which work great actually.

[@deciduous_99]

Instead of paid on full…how about a “Thank you for your help!”

[@ronnieking3848]

That money invested over 10 years with a 10% interest compounded yearly is $25,000+ PAY THEM ALREADY!!

[@jmm2979]

Dave was too kind! These are crappy people.

[@reggrunow1460]

10 years post medical school and no repayment...I would be annoyed by being taken for granted like that. Perhaps this lady might consider she was the problem.

[@kevinstevenson]

Omg!!! These are real deadbeats!!!😯😯🤨🤨🤨

[@KM-ku5zd]

Older parents often move near their adult children, anticipating needing help themselves as they age. Son and daughter in law are not intending to provide any support to them. Best they realise this now in time to make better plans!

[@kathleenholt6008]

What an ingrate!!! It’s a loan. What a disappointment!

[@justfine77777]

Anthony is a sharp guy. He’s the heir to Dave’s throne. 🤴🏿

[@Tim85-y2q]

I "loan" without clear terms of paying back isn't a loan. It's a gift with strings and is just asking for a situation like this to happen.