My Fiancée Says She Needs A Bigger Emergency Fund

[@KLA2789]

Of course she doesn’t want to put more into the house. It’s not in her name! Smart girl.

[@bernnyfelix7565]

That's a bad sign. It means she is in it for her own benefit. She is not looking into the long term commitment with the man. He should do a prenup. But as many people comment down below, she is not getting anything out of the house if something happens. I believe this is a failed marriage from the beginning.

[@seanmathis7971]

Typical women response!

[@KLA2789]

@@seanmathis7971 how do you know I’m a ‘women?’ (Also, why don’t you learn the difference between singular and plural 🙄) How is that a typical woman response? It’s a typical financially smart person’s response. Why would anyone pour money into an asset outside of a marriage and without their name being on it? There you go pulling the gender card out of nowhere because that’s all you’ve got.

[@singsong6692]

@@bernnyfelix7565 and him putting the house only in his name when he is about to marry her is not a bad sign???

[@seanmathis7971]

@@KLA2789 Uh this video said he’s engaged so you need a ring on your finger before dipping into your tight pockets?? I knew you were a woman because men don’t complain about money like woman do!

[@benwhitnell]

The lean back by Dave at the start of this call is classic.

[@joshw7415]

Classic Dave is the best Dave!!

[@ajones8008]

@ 0:21

[@toothybj]

Dave’s like, “why are you building a house with a roommate?”

[@jimroscovius]

Why are they acting married when they aren't? How stupid!!

[@RoxiieSays]

She’s a fool to be paying on a house that her name isn’t even on.

[@FaivenFeshazion]

Yeah he’s crazy expecting her money on this right now. That’s wildddddd

[@Jacob-qz5mu]

Charge her rent, half the mortgage, should not expect more.

[@I_like_turtles_67]

@@FaivenFeshazion He's smart to pay off the house. He's dumb for getting into a contract with the state & a woman.

[@carloslanderos6569]

@@Jacob-qz5mu The house isn't even built yet, he wants her to pay for the construction loan

[@waheedali2429]

She will going to marry him and divorce him and she will take the house for free

[@maureenwolfe8914]

She does not want to put money towards a house that she does not own.

[@roolyfe]

Facts. Get a prenuptial agreement instead of a will!

[@gingerlee4116]

Simple..

[@fogviii]

Right on the nose

[@sd0753]

If he expects her to pay for a portion of the house she needs to own a portion of it. Man or women, don't pay a portion of property without an agreement for partial ownership

[@richardparadox163]

This is it exactly

[@mle011]

I take his silence to mean he doesn’t have a will and it hasn’t even crossed his mind lol.

[@aolvaar8792]

You don't want real estate to transfer by Will>>probate. You want it to transfer by Title. Joint Tenancy with rights of survivorship>> No probate

[@nrqed]

He wants her to be paying for his house.....

[@kekejefferson9219]

Hunny, I'm talking to the girlfriend. Stop paying on a house that your name is not on the deed. Things can go left, fast.

[@BillyOnYouTube]

"A paid-for house is a greater element of security than a larger emergency fund is." That's a great point I never thought about.

[@lynnebucher6537]

It's so true. During the Great Recession, the folks I knew who had already paid off their houses weathered a job loss just fine.

[@lucasplays4276]

It’s true…. Except for the overlooked fact here, and that is, that her name isn’t on the house. So I can see why she would be insecure about it bc as of right now…It’s not her house. He may not see it that way, but I’ll bet you she certainly does.

[@BillyOnYouTube]

@@lucasplays4276 Indeed

[@Cathy-xi8cb]

Your house can't pay the car repair bill or the hospital co-pay. It also won't buy you groceries, or put gas in your car. Your emergency fund will do all of that for you and more.

[@BillyOnYouTube]

@@Cathy-xi8cb No but you have a place to live. I'd rather starve at home than eat lunch on the sidewalk.

[@Buggu3]

This boy is slick.. the house in his name … I’d save my money too …smart girl😩

[@dcg590]

Maybe he doesn’t want to lose it when she divorces him because she’s bored because he works all the time trying to be a good provider, so she cheats with Chad. Smart man.

[@fleurelise997]

I just love the way his fiancé worries about so many little things, but not that she's contributing to a house she doesn't own 🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️

[@TheFirstRealChewy]

I met this couple (boyfriend and girlfriend) who moved into a house that the boyfriend bought. His girlfriend was freaking amazing with regards to getting the house together. She basically did everything in and outside of the house. Heck, I wondered what he did because it didn't seem like he did anything. Well, they broke up and she was left high and dry after she got his house all fixed up.

[@Red_1976]

I’d beleive it. I was that girl. Seriously ladies, marry first. FACT.

[@RJRussoVids]

"My fiancee and I are almost done building our house." I'm thinking, "Here we go!" 🤯

[@matthewgardner2144]

"Our son, Harrison Jr., is gona to be the best man at da weddin'. Whattaya think, Dave?

[@saphira087]

🍿

[@perotal]

You don't need permission, if you want a bigger emergency fund just do it.

[@kingbran923]

I dont think he was asking permission, I think he disagrees with his finance about where to put their money. But yes if they both want to have a larger emergency fund they can.

[@Blaiyan]

This. She has her own money. Just agree to disagree. Save what you like.

[@ludoludo80]

She is paying for a house that is not on her name …

[@dannymartial7997]

You completely missed the point of the video... Listen more, talk less.

[@dlakersnation2379]

So pretty much if this relationship doesn’t work, she lost her money and her time 😂. Who came up with this idea about building a home together without getting married first.

[@charlesg7926]

Honestly he sounds like a cheap scheming guy. I own a remodeling company and do business with a lot of customers- this guy’s voice, attitude, and evasive way of talking remind me of every sketchy, bad, nightmare client I’ve ever had

[@thecurrentmoment]

I think this couple came up with it

[@aeterna581]

​@@charlesg7926even a voice 😮 Interesting

[@kimpritchard4322]

As long as the house is in his name only, I wouldn't want to pay extra on it. Why should I sacrifice to make a non-spouse richer?

[@lovewasabipeas]

It is nothing wrong to have more emergency fund… the issue is they are not legally married, and she doesn’t want to put more money in a house that is not under her name, which is totally understandable.

[@narceron360]

Fair point

[@jabow1878]

Once the house is in both names, she will be more comfortable. Right now “we” have an emergency fund…period.

[@aolvaar8792]

Tenancy by the Entirety (TBE or T by E) is a form of property ownership for married couples. The TBE unit of ownership symbolizes a third, separate, person. We are We, before We are I Legally make One person out of Two for owning property.

[@BlueDauntless]

They don’t have anything because they are not married

[@BagsNBaguettes_327]

Dave wears his heart on his sleeve 🤣🤣 Dr. John is a little more discreet…why do people call Dave to ask him these questions. He’s right, stop playing house.

[@sd0753]

Since she isn't on the mortgage/deed she shouldn't be paying for a portion of the mortgage. Unless you enjoy being charitable, don't pay for someone else's property without a stake in ownership.

[@aolvaar8792]

She should pay a "roommate's" portion

[@sd0753]

@@aolvaar8792 I'd feel better if it was a portion of utilities. I'm not paying anything towards a mortgage or improvements to a house I can be kicked out of

[@aolvaar8792]

@@sd0753 You give your roommate $1000/mo. Why do you care where it is spent? Have you ever rented?

[@sd0753]

I have rented and dated a woman that rented at the same time. We didn't combine finances or move in with each other until married. We did spend nights at each other's houses. We both had previous relationships that were complicated due to combining households and finances before marriage.

[@jamiew95]

@@sd0753 So you save X dollars a month on rent and the partner gets what?

[@purselmer5931]

Her insecurity comes from having a fiance who decides that building a house is his latest hurtle to marrying HER. Someone who prioritizes a house over you? Run darlin', run!

[@larryhawes8295]

If she likes security, put her name on the deed TOMORROW. Better yet - TODAY.

[@genxx2724]

Seriously. If she likes security, has she been putting her money into the house while having no legal right to it? 🙄

[@bonitab6498]

She knows she’s unprotected. That’s the real issue. Not the car blowing up.

[@kara2162]

Don't tell Dave Rasmey you built a house with your Fiancé 🤣

[@thomaschew2191]

She doesn't need a bigger emergency fund, rather she wants one so that she has the resources to survive on her own when, not if, this relationship tanks.

[@dcg590]

He probably doesn’t want her name on it because when she divorces him he doesn’t want to lose it to her. I dont blame him

[@MichaelSamulak]

I think it’s crazy how so many couples call in with a disagreement and look to Dave to decide their life for them by being either being the tie breaker or making the decision for them.

[@jonymanay]

Not every one has a wise rich uncle to ask advice about stuff they cant agree with their spouse.

[@matthewgardner2144]

It's almost as if they don't have brains of their own!

[@abbylebaddie]

I think wise men seek counsel. Only fools think they know it all.

[@MichaelSamulak]

@@abbylebaddie - yes. Agreed… To clarify my original post: I wasn’t at all saying or implying at all that these ones shouldn’t be seeking wisdom, especially if they have no family, friends, or trusted sources that they can go to… What I am saying is that I am often in disbelief at just how MANY people it seems do indeed call in, and not merely for wisdom and counsel…that they would then take that advice and consider together, prayer together, add it to other advice, counsel, scripture, etc….BUT these ones call in and expect papa Dave to pass a judgment that allows them to settle an argument or disagreement with each other. I think that this is the crazy part to me and is much more of my point with my original comment -> and not so much that one should not seeking out good advice and wise counsel; That is definitely a good thing and one of the many reasons I do listen to this program. Not sure it matters. Just thought to add some clarification.

[@walkietalkie1973]

This couple definitely needs marital counseling. Mistakes already being made upon the horizon.

[@singsong6692]

Why did they not ask why the house is only in his name?? That's a big issue here!!!!

[@sashavenka]

Bruh paying off the house is probably the biggest emergency fund

[@markg999]

Exactly...with a paid off house if things got really bad we both lost jobs we could stretch our EF a long time.

[@Teamshmo]

For sure. You don't have to turn the heat on or use as much water etc to cut costs and never have to worry about monthly rent/mortgage again. Can borrow against the assist in tough times too. Paid off house is amazng.

[@teeduck]

@@markg999 what’s a Bruh?

[@maureencampbell1057]

Except she doesn’t have any stake in it so only emergency fund for him right now

[@Howdy1957]

Never put money into something you don’t own! Never!

[@ecouch12]

It may also be that she doesn't want to put extra money to the house before they are married since it's in his name.

[@Paradise-on-Earth]

wonderful advice from both of you guys! Personally integer and caring, and financially solid. I love it

[@tyrellbrown5535]

I don’t understand what if you’re ready to buy a house but not ready to get married.

[@judithlamb3514]

Why isn’t the house in both names. Why should she put money in some else’s house

[@stephanied.k.3589]

.....but if the house is not in her name and the savings account is...yep.

[@shanittathompson2039]

She shouldn't be paying towards the house, but she should be paying towards living expenses.

[@joeymathew4535]

Certainly, the lady has her sense somewhere in the positives. Until they are married she gets squat for the house. A will can be revoked without telling her.

[@DemetriPanici]

I don't think having a larger emergency fund hurts

[@AP-uk4di]

It doesn’t “hurt” necessarily, but at some point enough is enough. If they have 15k invested for the next 30 years instead of 15k on top of an already meaty Efund, that’s a growth of over 100k on the investment

[@stevenbeach748]

Yes. A $25k fund is fine. A $50k fund is too big if $25k is enough. Then you’d have $25k not working for you.

[@tanksherman9875]

0:23 the face Dave makes when you borrow money you don’t have with a woman that you’re not married too.

[@matthewgardner2144]

It's pretty hilarious. Like he's channeling 1955.

[@TheTbabylati]

It’s not secure for her, it’s not her house. They got other issues before their married.

[@ernestinasanchez5305]

My guess is that she doesn't want to pay all her money on a house that she has no ownership.

[@JDAfrica]

One of the best moves you can do is rent a place for the first year ur married. There are so many hidden costs in setting up a life together - appliances, furniture ... as much as I didn’t believe in renting, it was a blesssing to live cheaply in a small rental. It allows a little bit of freedom for experiences or trips or eating out - for that first year together.

[@zoemayne]

If they waited and combined their funds after marriage her emergency fund would double. Instead she apparently chose to combine the fund and probably even help put down money in the house without it being in her name.... Sloppy sloppy.

[@andrewclodfelter3782]

Dave is a ray of sunshine. We are engaged... Are you insane? Dave if you die today she gets nothing...

[@vickieclark5931]

LOL. That's why we love him. He does not sugarcoat anything.

[@eileeneclark9011]

12/7/21....AND dead fiancee's parents WON'T give her a dime!

[@dmitry9435]

That's turning into an Insecurity Fund

[@jamaalweaver4758]

I would payoff the house versus having your money just sit. Just my opinion….

[@auroramothergoddess]

A house that isn’t in your name ? That’s stupid

[@Ka_Gg]

If you are financially well-off and you want to put a ton of money towards a rainy day fund and savings, go for it. Yeah, you're not going to making me lot of money off of it, but for some people it makes them feel very safe.

[@vickieclark5931]

Yeah, it's a good idea to have a larger emergency fund. If the emergency is a big one, then it can wipe out most of it. Happened to me.

[@Ka_Gg]

@@vickieclark5931 It's just that Dave acts like it's the worst thing in the world.

[@nryanmusic]

how did they afford to build a brand new house making 70k? also he says he only makes 40K and the house is in his name so how did he get qualified making 40? did his parents buy the house for him?

[@eobrien1]

Dude, I had the same reaction! Mama and Daddy are funding that house. Guaranteed.

[@SarahLarsonwgm]

I was wondering if anyone else was thinking this. That's about what my husband and I make. Because we live in a very low cost of living area, we would probably be able to consider building, but I don't think it would be a great idea. And very few other places would be as low of cost of living to allow that.

[@RusskiCommieBot]

By not wasting time and getting the house built, they probably saved tens of thousands of dollars. Inflation is crazy when it comes to new home constructions. That is if you can even find a contractor to build one.

[@strawberrycheesecake7912]

I dont think it's a good idea for the girlfriend to pay for the house if they are not married and her name is not on it

[@luisrobles5906]

Dave has too much wisdom.

[@SeanBaker]

Pile up a year of reserve. Things have changed, and advice must change with the times.

[@acraft85]

Even while you’re in debt?

[@TheIdontcarewhat]

Honest question what has really changed? We have been through periods of inflation, unemployment, pandemics, world wars, oil shortages, and civil unrest all before and all to much larger degrees than we are experiencing now. It may be new to us but we are not experiencing anything new in the grand scheme of things.

[@genxx2724]

@@acraft85 No, Anthony. The Ramsey order is: $1K starter emergency fund; pay off all debts except the house; THEN save a real emergency fund. Are you new to the Ramsey family?

[@stevenbeach748]

No

[@CaptainHammerFists]

You’re correct.

[@richardguthrie3422]

Depends on if you only want to be able to cope with one emergency or two or three.

[@johniii8147]

Sounds like that havn't talked about much. Their BIGGEST financial risk is having kids too soon. Now THAT is money drainer and they can't afford much on a 70K income and a with a kid that will only go down and expenses will only increase. Probably can't really afford the home anyway.

[@lynnoorman2144]

My question is - what kind of account is this emergency fund in?? A joint account? In the UK were they to split up, then half of it is hers, no matter who put the most in. The voice here, of bitter experience, with some funds intended for my kids that my ex walked away with. I'm female btw - this kind of thing can happen to either gender. If you are sure of your relationship, both of you, make a will and give each other a copy - until you can afford to get married. If she/ he won't do this- run in the opposite direction!

[@sallybenardello6533]

Why isn't her name on the house also?? Your engaged and decide to build a house together, so why isn't it in BOTH your names??!!! Something is VERY WRONG with this picture !!!!

[@flamingmonferno]

That’s why you don’t live together before your married or play house. Right now my girlfriend soon to be fiancée has a trailer house she’s getting fixed up. I grew up in a nice one with my parents so not a big deal. So the house is in her name for a starter home and I have the financial resources. It’s just a matter of how would we make this work when we marry.

[@DeeDee-fo9yx]

So once they're married AND THE HOUSE IS ALSO IN HER NAME, how about split the difference and put half towards the house pay down and half into boosting the emergency fund until the emergency fund has doubled. This man should want his fiancé to feel secure going into the marriage.

[@lynnebucher6537]

Caller acts clueless about why the house is in his name only and why his fiancee isn't interested in prepaying the mortgage. Personally I think that if he really wanted total commitment he should have waited to build a house until after they were married and then have both names on deed and mortgage. By acquiring the house in his name only prior to marriage, he gets to maintain a power over her for the entirety of their marriage unless there's something that gets changed. And he's going to expect her to invest in a house from day one that she has no ownership of.

[@anthonytrujillo8158]

I think it is interesting to read the comments about how she trusts him. I agree that you should have things down on paper. There are a few people in my life, and their word is better than any contract.

[@uhurtmeagen]

Why should she pay more on a house that’s not on her name….

[@michaelvan6675]

How are they building a house on that income.

[@Gonzo_Bubb]

Maybe it's really tiny.

[@Swedetwin]

Inherited $, gifted $, saved $........income does not always tell the story.

[@mariad4183]

Clearly, she does not feel safe WITH HIM

[@whiskers78753]

Everyone will wished they had a one year + emergency fund when the next recession arrives.

[@melanieb2132]

Or they would REALLY want a paid for house.

[@happyalice1850]

Paid off house with a one year emergency fund = able to handle most situations including economic collapse😎

[@themisfitfarmers]

Yes! I’m REALY glad we have a paid for house. I know no matter what my family will have shelter. A year emergency fund would be cool, but I’d still choose my paid for house.

[@shefaliohara3103]

the bride could be Asian... my parents are and they wanted a years' worth of savings! LOL

[@DericAnslum]

...Dave's face at the "me and my fiancee' are almost finished building our house"...

[@A-ei7vm]

why are people building/buying houses "together" with only one person as the legal owner? even if you're not married yet, get a contract or something... and if only one person is listed as the owner, that person is the only one responsible for the costs.

[@mothegrouch909]

“If you die today without a will, she will have nothing except what’s in her name.” Ok and?

[@adamseidel9780]

Arguments about the math of paying down a low mortgage interest rate vs saving and investing aside, they don’t need to have a consolidated investment plan set yet. He can pay down the house with his investment money, and she can save. When they get married, they can adjust. Easy peasy.

[@katemiller7874]

Why is her name not on the house? How weird.

[@amy9910]

You'd think if you were that scared of a car blowing up you'd have insurance on your vehicle

[@TheFirstRealChewy]

You can certainly get carried away with an emergency fund.

[@williamperez9827]

People still get married? Don't do it!

[@bryanjones7526]

Sell her

[@williamerazo3921]

That’s weird

[@hannahsharma5108]

Why didn't he ask how much the mortgage was for a brand new house with only 70K income split between the two of them and they're not married?!?! Are you insane? Buy an older home that needs some TLC for HALF the price because if one of you can't work then you can still afford the mortgage. I can't with these people desperate for an expensive cookie cutter status box to live in.

[@britneeg]

Cookie cutter status box is the best thing I’ve heard in a while!

[@advancedchiropractic667]

He is being slick. She is not with a good, honest man.

[@carojames6776]

SECURUITY, SECURITY one can never have enough security, just one less thing to worry about.

[@chuckiedavidson719]

If she has that kind of anxiety either she needs to get counseling or you need to run because she will elevate your stress levels through the roof. That level of anxiety will only cause stress

[@clairelyons6500]

Good point Mr. Ramsey! Live your life because we are powerless over people, places, and things.Pray.instead, because that works!

[@Lakota828]

Yeah, thoughts and prayers totally work, right? Tell that to all of the dead schoolchildren or anyone involved in a mass shooting. Don't be an idiot.

[@dlzoso74]

SHE NEEDS TO WORK AND SAVE

[@BasedGym675]

Red flag. She's not on his program meaning she doesn't trust him.

[@bombshellmusical9566]

If you get a diagnosis like cancer you can easily be out of work for a year. A one year emergency fund is not crazy.

[@wewhoareabouttodiesaluteyo9303]

THANK YOU! I would state a year and a half would be paramount. Sock it into a high yield savings account and be done with it. Onto better things...

[@johngibs5356]

You can put how much money you want to in a emergency fund

[@EfLuis]

How about you guys hear the caller first and not interrupting him.

[@dlzoso74]

Take care of yr future and let her take care of hers

[@Klatubarada1979]

I feel sorry for people locked into main stream news. It's a cancer.

[@heathercloete7450]

I would also want more of my own money in my own bank if i am not married. I would also not want to be paying off his house. Who is to say they even get married. She is feeling insecure.

[@curiouscat3384]

They're not married. She should have her own emergency fund! Should have already at whatever level makes her feel secure.

[@HangNguyen-ih8rf]

He’s sir, the biggest security is a paid off house!

[@TheFlyingZulu]

How did Dave get the 3-6 months of expenses number but the caller only told them their income?

[@DericAnslum]

...experience and common sense...

[@johnnyappleman7159]

Yeah so what I'm picking up on is she just doesn't want to pay her part of the home it's not really an argument of like her investing into an asset it's an argument of issue providing equal value to the household.

[@MrOfficer235]

Sell the fiancé

[@AFfrequentflyer]

Anybody else miss the old show, where it’s just Dave and he actually goes through the details with the caller and “coaches” them? Seems more and more like folks call and the team just talks down to them or jumps to conclusions about their marriage.

[@stellarocquie7957]

OF COURSE, sell the fiance !!! NO BRAINER!

[@Drumbeat52]

Dave and John's conclusions about this situation totally ignores the fact that her name is not on this property! All the comments posted say the same thing, the girlfriend should be thinking to herself about this entire house deal and where she stands in this arrangement. The guy has a good deal for himself the way things are now.

[@LegacyAftermath]

How is a paid off house safer than having more cash? If you recommended heloc's I'd understand your point but otherwise I'm lost.

[@JimmyMook700]

So true! My left wing parents watch cnn all day and my right wing in laws watch fox all day. When they’re together they get a long great and have so much in common to be honest!!!

[@atdepaulis]

Why not just get a car emergency fund/sinking fund for her security? And then the EF isn’t being touched …

[@JSFitness]

Good video, does common law not represent the same as marriage if one passes away

[@estyria5961]

No idea, but in most states common law doesn't kick in until you're living together as though husband and wife for 7-10 years. I think they're too young to have that going for them here.

[@ramonaearnest4709]

Not every state has common law!

[@megalodon1726]

They're not married (yet), so if she wants a bigger emergency fund she can fund it herself.

[@RawwVeggies]

My fiancé says she needs a bigger…………. emergency fund 😅

[@chriscampbell2679]

As a woman even I can’t 💯 support her wishes. I can’t shake ye feeling she’s up to something shady. Why the house is in his name only I don’t know. Maybe deep down he believes he can’t trust her. I don’t know but something doesn’t feel right with this situation.

[@cassphanh6678]

They probably don’t trust each other. Lol. Only his name on the house and she wants to pile up more savings for an “emergency”. It’s possible they each have their own motives which begs the question, why get married?