Dave Ramsey Responds To George Kamel's Financial Advice

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▶️ Watch the original Highlight that caused Dave's reaction: I'm 86-Years-Old and Broke - • I’m 86-Years-Old and B...
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[@TheRamseyShow]

▶ Watch the original Highlight that caused Dave's reaction: I'm 86-Years-Old and Broke - kzbin.info/www/bejne/oIWpm4GQpL1kjNE

[@AieMem67]

Thank You Mr Ramsey for changing my life you deserve more subscribers and more views

[@weldchip]

You guys made money from this ladies misery and public humiliation. How about you step up and give that money from these two videos to her and really help. That would be the right thing to do. I'm here for the financial and leadership advice not to see an old lady that's fallen on hard times humiliated publicly for your organizations profit.

[@ddubsr5886]

@DAVE RAMSEY TEAM: Do the episode of Taylor swift concert so we can see Dave’s reaction

[@Chicago48]

She should sell the house, pay off the debt and move into a senior apartment building. IMO. That house is probably costing her $$$ just to maintain. Things break and need repairs.

[@letstalkaboutgermany8288]

@@weldchip I mean.... you are not wrong.....

[@alexsteven.m6414]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@PremSteve-yg4de]

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

[@NorthCarolinaForward]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to over $750k.

[@samuelrandy-k8x]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@NorthCarolinaForward]

Rebecca Nassar Dunne is the licensed coach I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@dengdelun3109]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@dr_pinna543]

Love that they are reviewing this.

[@Polkadot2]

Exactly!

[@kasession]

I think we're looking at another type of segment. 👍🏿

[@siva47931]

Youth in Asia is another option

[@joeriveracomedy]

Ramsey likes to be tough on people but can't handle criticism or being corrected. They are sawft.

[@kbanghart]

​@@siva47931not in red States, illegal

[@waynesbeenthere9681]

It marks the excellence of Ramsey and the group to address problematic advice given rather than use the 'delete video' approach. The original video- advice was very incomplete, but in this video it was Well done.

[@greggpurviance7252]

And I'm sure you would give compleat advise on a few minute call. The problem (other than spending all she made in the first place) if they suggested meals on wheels, she would say, "I don't like their food and I would have to be home to receive it." And she couldn't get along with a roommate. Etc.

[@dr_pinna543]

@@greggpurviance7252 She was 37 when her daughter would have been 18. What did she do with her money for the next 43 years that she was working?

[@dic2504]

I heard the original call and my heart bled for her! Never rehome the dog with a 86 year old who lives alone! Downsize in housing, get a nice roommate....

[@gm2407]

George: Are you able to work? Caller: I'm 86 Bizaro George: Have you considered Only Fans or streaming?

[@DeathSpellXVI]

Funny enough there’s an audience for that.

[@gm2407]

@@DeathSpellXVI I suspect if George had sugested that Dave might have fired him, don't think Dave is for that.

[@jshepard152]

"Do you have feet? Are they nice?"

[@zachbarthelemy8113]

@@jshepard152😂

[@random-nz7dy]

My issue with George on the call was his tone, not content. She did effectively turn away every piece of advice George and Jade offered and excused away all their suggestions. But mainly I felt that George talked to her like she was a younger caller and not how he should have, more gently etc. One thing Dave has always been great at is knowing how to talk to people based on who they are. He knows when to turn on the heat and he knows when to turn on the grace

[@jshepard152]

Heat for men. Grace for women.

[@JeanDukacz]

@@jshepard152 Not by gender; by situation. If the caller were 30 years old and healthy, that's when you can be more stern. I can't imagine how terrifying it would be to be an 86-year-old with Leukemia, AND have money problems. That's when Dave and George turn on the grace.

[@glenn8861]

4:16 wiped that smile right off George's face 🤣

[@michaelrector3536]

So glad that Dave came and on and corrected this. Along with everyone else, I was very irritated with the original call and the crass, bad advice. Way to go Dave!

[@BackgroundBeats-cb1mx]

I remember that video and felt sorry for George. There was no helping that lady in a few minutes. I felt bad for her situation, but felt there were not any good options or advice to give her. 😞

[@travelnurseadventures3225]

remember many 80 year olds did not have the internet to gain financial literacy--many were the working poor.

[@linda1909]

At this point 86 unable to work daughter unable to help and can't move with her. I would take a reverse mortgage out. Let the mortgage company take house after she dies forget leaving it for family. She could get up to 75% of value of the house. Boom credit card debt paid off, and money in bank to cover the deficit

[@josephhuman7390]

I got my smartpro invester, (love You Amy) but to be honest I unsubscribed to the channel after George said, I still love DR and the Crew but that was a little harsh for my taste.

[@ms2bloved126]

Maybe Grandma could ask her daughter for an allowance. She's stuck for sure. Could she rent out a room?

[@amydoran9987]

At 86 it will be hard for her to find employment .

[@jshepard152]

I wonder if she has a CDL, or knows how to do roofing?

[@ashleyvansickle4539]

Loved this! Good problem solving and I totally got to giggle out of it. 😅😆

[@truthseeker6370]

Dave Ramsey follower for many years... and this was as gross as the Original call version! Super insensitive of George! to tell an 86 yr old to "get a job", And also telling her to re-home her dog! This 86 yr old woman Needs that pet as much as it Needs her! Super Gross, Horrible advice originally And Now! She surely doesnt spend Remotely what George spends on his French Bulldogs- specially bred dogs that are unable/can't copulate on their own and require medical intervention to procreate- cuz that's Normal and Natural as God intended, right? That SHOULD be a sign that the breed you paid THOUSANDS of dollars for isn't that awesome- cept for creepy bragging rights. George You Love, Adore and Spoil those "specialty" dogs....why in the H*LL would you tell an 86 yr old woman to re-home her pet???! That is seriously Beyond insensitive and wrong! WHY didn't you refer her the Office on Ageing, County or local food banks? County resources for utility assistance? You and Dave Both Failed this woman! 😪😥⁴

[@luisvigo3777]

They got Dave doing work audits live on air 😂😂😂😂

[@Mimi600]

Lol 😂 facts

[@emoney1231]

Caller: "I have no money" George: "Have you tried to get some?" Audience: 😲

[@SalisburySnake]

LMAO 😂

[@leefairbridge993]

86 year old man lol

[@macummings7818]

Brilliant summation! 😂

[@MyAirMyles]

​@@leefairbridge993 math is still math at 86

[@sharondoan1447]

The Caller does have money she refuses to use. She has a house to sell.

[@normILL]

I love the idea of re-reviews with Dave on clips that go viral!!! Keep em coming!

[@SO4JTV]

I added too to do a program “Where are they now” or “Dave’s Do-over” show .. 😅 .. we often wonder where some of these people are today .. did they heed the advice .. etc.. 😜

[@FTG2Eli]

Big Time!

[@jkell2888]

Agreed I love this

[@hiddenprofits216]

George really told an 86-year-old woman to get a job 😂

[@dandiaz84]

George is a loser and need to be fired

[@dr_pinna543]

​@@dandiaz84nah he isn't. He's winning financially. He does better on his own channel with other financial gurus.

[@dandiaz84]

@@dr_pinna543 he can win financially but still be a horrible person….which he is from his advice.

[@marcusarelius]

When I first saw the actual call, I thought he was joking but apparently he was not. Yea, that’s messed up

[@jeffpadilla9891]

@@marcusareliusWhy? She is unwilling to do anything and just make excuses, a single mother at 19. That was 67 years ago.

[@jessicacarmen2458]

Dave's way of saying George was wrong while still defending him makes DR the Goat

[@greggpurviance7252]

Never said he was totally wrong, made fun of him telling an 86 year old to get a job. Grandma needed a reality check. She was living in a dream world.

[@alanlippincott2802]

This is the equivalent of a politician or celebrity apologizing at a press release. It's an attempt to sweep the blunders under the rug and you bought it.

[@macummings7818]

Absolutely ❤

[@commonenglishmistakes4360]

If George was wrong, what was the correct solution to this situation?

[@greggpurviance7252]

@@commonenglishmistakes4360 he wasn't really, maybe a little abrupt with an irresponsible, I can't do anything to fix this, old lady

[@JaneJanniela]

Hello, I want to start investing but I don't know where to begin. Any advice or contacts for help?

[@alicedaniels]

Talking to an expert like Nancy Hall to reshape your portfolio, is a very smart move.

[@gabrieljackson6071]

The reality is that you cannot do it without a tried and true person like Nancy.

[@benjaminaaron]

Nancy's unique strength lies in her realistic approach which makes her different from other brokers that often set unattainable targets and fall short in delivery.

[@JonathanAllison-bo8xo]

Do you guys know her too? Her Success story is everywhere.

[@alexanderwright6560]

If a person is direct and proficient in their work, others will consistently vouch for them. I love her transparency!!!

[@EppingForest304]

Didn’t realise she was living with Leukaemia as well… she barely had the energy to speak on the phone 😢

[@warrioroflight3813]

She owns her house free and clear, she just needs a reverse mortgage or a heloc.

[@johncameron4194]

Keep the dog

[@girlygirl1890]

@@johncameron4194 Absolutely. her dog is probably what keeps her going. Some things you can't put a price on, especially at that age.

[@vestagirl8484]

@@johncameron4194the Ramsey Show HATES animals.

[@hockysa]

@@vestagirl8484they do not hate animals. They hate people making purchases they can’t afford and for some people they can’t afford to look after themselves let another an animal.

[@SouthernGalPal]

It's all good George. My 90 year old dad-in-law still works four hours a day. It's what's keeping him alive.

[@FancyRPGCanada]

Exactly, you gotta keep doing stuff or your body and mind will fall apart

[@yolandemurphy9803]

Noo - it's not good. She is frail - goodness me 😮

[@ungphuc]

Ya he was cornered into this last resort suggestion because she isn’t willing to give up on anything. She gotta pick ONE!

[@SouthernGalPal]

@@yolandemurphy9803 Don't underestimate the abilities of elderly people. They make wonderful part-time customer service representatives if they can handle the technology. Or, lightweight tasks if they are still active.

[@SouthernGalPal]

@@ungphuc I know. My first thought was renting out a room, but, they got to that. Or, downsizing and creating a home with her daughter where they live together, but, separate entances. I didn't watch the original call, so, don't know why she "can't" live with her daughter.

[@sprint7412]

The hate must have been extremely bad for Dave to think he had to address it.

[@sarashann]

I know I don't comment negativity on Team Ramsey videos. This one drew a harsh rebuke from me.

[@franciskeys9810]

@@sarashann Same for me. I was shocked by George's harshness, and I'm even more shocked by the brutal commenters who want to punish her for being poor at 86. What a world.

[@CrayonEater94]

I think he got more hate on the 4% withdrawal but Dave said nothing

[@JustinCase780]

Not really. It's called promotion of the show.

[@fdllicks]

I saw the episode, and i was frankly shocked. I think the younger guy hasnt had enough life experience yet to counsel older people

[@danayarbrough1494]

Again an 86 year old who continues working is one thing…an 86 year old RETURNING to the work force after years of not working and with health problems is something else

[@lydiamae1727]

My 83-year-old grandmother was able to get two college girls to rent rooms in her home when she retired, and this allowed her to continue paying her bills while staying in her house while not going out. It also brings a lot of peace to our family knowing there are other people living in the house with her. They are really sweet girls staying with her.

[@vestagirl8484]

That’s a great idea/situation!

[@charlieodom9107]

Ooooohhh....that is an AMAZING plan!!! A college student would easily pay 600-800/mo each.

[@jose2212-]

I'm 55 and earn about $450k annually, only save 30% in HYSA's. I've been reading a lot of articles mentioning how worthless 'cash savings' are in this current unstable economy, I was advised to invest in stocks, but I heard it's a high risk investment.

[@carolynrose1816]

Honestly leave it in a account that yeilds 5%, or if you can take a bit of risk invest in stocks. better still get in touch with a trusted advisor for financial advise

[@AddilynTuffin]

My dear husband passed away in 2021, and I have around $400K from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just six months, I achieved over 80% capital growth, not including dividends. Highly recommended!

[@NO-TIME170]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@AddilynTuffin]

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@floxydorathy6611]

Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.

[@traivon3760]

At 86, credit cards would not matter to me

[@deb9806]

My mom lived to 98, might be a while to default, Dave giving her a death year was a little odd

[@traivon3760]

@@deb9806 I’m not talking about default. It wouldn’t even be on my mind at that age

[@toohda]

They’d just garnish your money lol

[@robloxvids2233]

It seems like they matter to her since she uses them to buy things she didn't earn.

[@karloliver4949]

Not necessarily the case. The stress from constant debt collection calls and nasty collection letters can increase the likelihood of heart attack or stroke. Not kidding. Perhaps better to get a bankruptcy reset. See Deuteronomy 15: 1-2 (Dave's least favorite Bible verses). She' would keep the house, the car, households goods and soc sec.

[@Michael-kv5ff]

Now react to the taylor swift tickets thing dave!

[@actuallyterry]

I agreed with Ken on that one.

[@janelleg597]

That wasn't spicy

[@devpav9880]

Poor people buy Taylor Swift tickets. Rich people sell them.

[@Shortballa11]

The whole comments section was torn like never before on that one

[@whatevergoesforme5129]

I am fine wit that advice given there since the daughter has to pay her student loans and not her mom who bought those tickets. And the mom had no intention of paying off that debt anyway so why the sudden change now?

[@AffaanMansuri]

Woah 🎉 this is good content where dave reacts to their personnel's advice

[@EsiriE]

Yeah, I hope they make this a regular thing! 🎉

[@vickieclark5931]

@@EsiriE I agree. I love it! It's good also, so that Dave can make sure everyone is on the same page. He should definitely do this more often. Sometimes it's great for a laugh like this one was.

[@joeriveracomedy]

Mr doloney needs a talkin' to. He is the fakest tough guy I have ever seen on interwebs.

[@corvairlover]

One of the most annoying things is when the alternates give advice that wouldn't remotely be what Dave would say. They all are guilty of this. Hopefully this is a learning experience.

[@EsiriE]

@@vickieclark5931 exactly because alot of people in the comments say “I wish Dave took this call” so it’s good to see his thoughts. Lol.

[@zacharyfair6738]

they are probably roasting George at work lol

[@nathananthony7517]

I was screaming at the TV to default on the credit cards. Only thing it hurts is her credit score. It's not like she needs to take out another mortgage at 86.

[@Music-yq8qc]

The credit companies can take her to court and find ways to retrieve their money. Don't be surprised if her social security was touched.

[@vickieclark5931]

@@Music-yq8qc That's the thing I disagree with about what Dave just said. She could be in even more trouble by not paying the minimum on her credit cards. If they start garnishing her social security checks, she will be far worse off than she is now. It would be best just to file chapter 7 because that would protect her social security checks.

[@brandondavis9016]

@@vickieclark5931social security can’t be garnished

[@brandondavis9016]

Social security can’t be garnished Not on credit cards at least

[@barbararepko4824]

And at her age she’s judgment proof.

[@Longshore10]

Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in last month 2024

[@Raymond-l2q]

I'm 46 and have been looking for ways to be successful, please how??

[@Loribrooks-v1n]

Woah for real? I'm so excited. Mark Hutchinson strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@Cooley108]

Mark Hutchinson's expertise is truly commendable. He has this skill of making complex crypto concepts easy to understand.

[@LucyN1-c7o]

Please where and how can I reach him ?

[@Longshore10]

TELEGRAM

[@FancyRPGCanada]

Love Dave laughing at George 😂

[@andrewroussey3723]

This is the first "Dave reacts" video I've seen. I like it!

[@blongshanks77]

Dave handled that like a true professional. Nothing but respect for the way he corrected George without humiliating him at the same time.

[@aschmitt89]

And George took it like a champ! He acknowledged that it was rough advice, and overall this is awesome! I love this exchange! The only part that I do NOT love is that poor lady's situation! Man, that really sucks!

[@amireallythatgrumpy6508]

Dave probably made the same mistake once in the 1990s.

[@chesmom2]

I'm glad Dave addressed this call. There are options for this poor woman including getting food from the local food bank, signing up for Meals on Wheels, checking with the local department of aging, etc. Some areas even have programs to help with elderly with pet food and expenses.

[@shannonrose4916]

Exactly!

[@dasheffield5596]

She should be eligible for food stamps?

[@JoanneNjeri-ef6sz]

So shouldn’t she call her local organizations/agencies for resources? The Ramsey team doesn’t know which resources are available to people, they know about personal finance - not government or non-gov assistance. I agree that she should seek out that assistance, but that’s not what the people at Ramsey do. They don’t connect you to local assistance. They help you get out of debt, invest in your future, & increase your income.

[@DeathSpellXVI]

Yeah but he’s basically just said the audience was just bitching about it at least they were trying to help her 😂

[@kleindropper]

Better yet, get the EBT cards and sell them for cigarette money while getting your food from Meals on Wheels. A lot of people do that in my state.

[@kay22100]

So glad Dave addressed this!! That call had me HOT!! It’s a learning opportunity. Outside of him telling her to get a job, it’s the condescending tone he took with a lady who sounded half dead !

[@girlygirl1890]

@kay I totally agree. I heard this call when it first aired and I was like....what George? Oh heck no!🙄🙄

[@lynnjoseph7359]

I hope they called her to tell her this. That hurt me dearly for her

[@TLA123y6f]

Yes. If they really want to clean it up they should call the person whom it was inflicted upon.

[@James-vj5hz]

Tell her what? She refuses to do anything that will help. Sell the home, sell the car, rent a centrally located apartment near all amenities in an aging in place facility. Do not pay off credit cards, only use debit. Enjoy the remaining time on this planet.

[@Gran-T]

Sell her house and rent the rest of her life and she'd have money left. 600K neighborhood. Her house is probably worth more than she knows

[@curiouscat3384]

George's suggestions were not necessarily bad. But his tone was patronizing and scolding as if talking to a teenager. Let's see how all you people feel at 86. Selling and buying and moving to a different location is REALLY hard for an old person. REALLY hard. I'm 70 and still going strong but I've helped a lot of elderly women go thru this transition and without some kind of emotional, financial and physical support it's impossible. The only thing I would have advised is for her to swallow her pride and cajole her daughter into helping her. I actually think at her age that a reverse mortgage could work for her, especially if she's not concerned about her daughter inheriting full equity as she spends down the equity. But the important lesson here for all viewers is to plan ahead for not being independent and strengthen your support systems BEFORE you turn 75 which is when the decline starts to happen (I know I know there are a lot of vibrant productive octogenarians but they are in the minority)

[@Enig_Mata]

For the most part, I agree with you but I think your advice to cajole her daughter into helping her may be wrong. Who knows the type of mother she was - she may have been very abusive and could still be abusive. We also don't know if the daughter has the ability to support her mother without hearing from the daughter.

[@Bronte-on6tm]

Excellent comment. Thank you. George really blew this one.

[@stephanied.k.3589]

Making those living arrangements by 75 is exactly the learningI am taking from this call.

[@luminous6969]

Yeah he took the call like he would any other call, whereas Dave sometimes puts his gentle hat on.

[@sherridevries9144]

Agree on that tone. Not compassionate

[@drn13355]

I heard the call. The main issue was they would give a suggestion and she would say how whatever they said wouldn't work. So it was kind of pointless anyway.

[@rebekah.2187]

@@silentnot4812 As I recall, she said early on that her health problems were "manageable" (her word), and didn't mention the leukemia until after George suggested getting a job. Then suddenly she had low energy too. I think George specifically asked her about her health, maybe to gauge whether or not she could work. It really makes me wonder what she's been doing since her daughter/children left home? She could have gotten a second, part-time, job to save for retirement.

[@PoyTroy]

She was full of excuses. She even mentioned that she was a single mom since 19years old and received no child support. It’s like ok, your daughter is grown and living a good life. Why didn’t you work and save. Everything was an excuse and you could tell the host were over it by the end 😂

[@m_ellemarga8815]

This!!!

[@JacobsNews]

​@rebekah.2187 this is what happens when children try to give Financial advice😂 they don't know what 86 is 86 is 56

[@JacobsNews]

​@@PoyTroyshe worked till she was 80 and her house is paid off😂

[@flygirl2447]

Thanks for chiming in Dave. I listened to this call and the only part of the advice that I took issue with was when George suggested she get a job. And when he reminded her that she didn’t set herself up for success. As if she needed a reminder. This is probably all she thinks about George. She probably worries about it all day every day. Love Dave’s suggestion to default on the credit cards and /or sell the house. Neither is ideal but in this situation each would create some breathing room. I listen to your show often and love how much you all help people in tough situations. This isn’t to say my opinion matters to anyone. But I do have an elderly mother who is struggling like many are. A little situational awareness on George’s part would have given this woman hope.

[@franciskeys9810]

Selling the house is terrible advice. All of you who don't have any clue how to navigate poverty really need to face your own ignorance and limitations.

[@bryandelcid4065]

Good for George to respond to criticism lol. Still asking an 86 y/o to go back to work is wild man 😂

[@arh1234]

Historically, everyone worked until they died. "Retirement" for the masses is an invention in the past ~60 years

[@dr_pinna543]

She had every excuse. If she didn't want to go back to work, she should ask her daughter if she could move in and pay rent. No time to fix relationships like now.

[@felipeoliveira2219]

Should ask George if that lady was his mom, would he still let her go to work at 86? come on dude..... no wonder Dave had to address it.....

[@drtij_dzienz]

There are 90 year old wal mart greeters that didn’t save for retirement

[@bryandelcid4065]

@@drtij_dzienz Yes, which is sad to see. You also have to take into consideration the generation. When that 90 y/o was 20-25 it was in the 50’s, a time where it was truly a man’s world and women didn’t have access to a 401k with match or pension automatically like they do now. Not to put an excuse but those times were indeed quite different.

[@sarah345]

This is why I only watch episodes with Dave in them. He uses the Ramsey method, but he’s also realistic and he actually tailors his advice to each person and comes up with out of the box solutions as well. The others just go down the list of prefabricated advice to the point where I know what they’re going to say before they say it. It’s like they’re afraid to go off script. “Sell everything, get a second job, get out of debt, save up an emergency fund…. Etc.”

[@somebodysomething4242]

Yep, same here. The others haven’t lived this advice like Dave has. He built this show on his own back through hard experience. The others are never going to be able to carry it when he is gone.

[@ddramos7997]

They're destroying his show and his reputation, and he's letting them.

[@marshalltille7770]

Unlike us, they DO try. Obviously they get it right most of the time. Maybe mistakes were made with this caller.

[@arfo8353]

Why didn't they bring up seeking any social programs that help the elderly with bills. There are also local food pantries that can help offset the food costs. There are churches that will help and even deliver food and household items to her. I know Ramsey is generally anti-welfare and against dependency on social programs, but she is past the point where she can do this herself and needs social support.

[@SuperFriday]

They want to protect their brand. She could easily get benefits and extra help

[@ForTheChristians]

I appreciate that Dave said she might consider default on the credit cards. The predatory CC’s can eat the loss in this one.

[@brandondavis9016]

Exactly!

[@SalisburySnake]

They won't have to. They can't take her house while she's living, but they can take part of it after she dies. By which time the bill might be all of the house.

[@KennedyIvy]

Hows she going to live once credit card companies stop giving her credit?

[@brandondavis9016]

@@KennedyIvy social security income

[@megalodon1726]

She's living on the credit cards. Anytime there's an expense that causes her expenses to exceed her income, it goes on the credit cards. She won't choose to default on them because she needs them. She'll keep piling up more debt on them until she can't make the payments.

[@Richmind-ir5zi]

It's sad how difficult things have become in the present generation. I was wondering how to utilise some money I had. I used some of it for e-commerce business, but that sank. I'm thinking of how to protect my $300K stock portfolio from decline is my main concern, but I don't really know which way to go.

[@Mitch10bands]

Yeah, things may be hard right now, but I've come to realize both bear and bull market, recessions and economic boom, all provide opportunities to make high gains, I used to call bluff on folks that bragged about making a fortune from such down-markets until I happened to do so myself

[@Marianela-r3v]

I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.

[@TylerofSc004]

That makes a lot of sense. To be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment adviser for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends

[@Doracox22]

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

[@TylerofSc004]

"Kristin Amber Landis" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@jumpiam8477]

I wish Dave call her back. Wish her the best! I felt sorry for her that day.

[@theburnetts]

Love that they came back and addressed this. Shows once again that nobody can really replace Dave and his wisdom and experience. I feel like they need to hire a Ramsey Personality that is someone maybe in their 50's that has more life experience than all of the younger people they currently have.

[@whosaidthat9265]

Dave literally agreed with every recommendation they made except for the get a job part lol that woman had every reason in the book why she couldn’t do anything outside of sitting there and becoming poorer

[@arh1234]

They tried. Chris Hogan couldn't remember the Baby Steps even after years on the air.

[@Shortballa11]

Chris Hogan was great bt there was a falling out

[@Shortballa11]

@@arh1234 Wasnt it a bigger issue of morality?

[@whatevergoesforme5129]

@@whosaidthat9265 And that is what most of us reacted against plus the lack of empathy. Many said that Georgie could have worded his advice with more empathy but he was kinda impatient and did not let the old lady finish her sentences. I did not even hear her specific monthly expenses so that we can actually do the math and find out which expense needs cutting.

[@bcjammer87]

“Just stop paying on the credit cards. They shouldn’t have loaned an 86 year old person money so that’s what they get.” 😂😂

[@autordijanaferkovic]

she should be driving Uber with that Buick, and I hope George will be the first one she picks up 😂😂😂

[@furryplantsandcoins9070]

😂😂😂

[@Bronte-on6tm]

Agreed! The rest of us will stay away from an Uber driven by an 86 year old woman.

[@kasession]

🤣

[@beebopasaurus]

An 86 yr old woman that has cancer driving an Uber, in Jacksonville Florida, a city with one of the highest violent crime rates in America. What could go wrong?

[@bebop504]

You cannot drive for Uber if your car is more than 10 years old. She has a 17 year old car. And you have to be sharp to be an Uber driver; you can’t be 86 years old and barely able to look over your shoulder. Driving for Uber means you are dealing with all kinds of people including drunk unpredictable people.

[@ganthc]

Yeah, a Golden Girls situation would be great for her. Have 2-3 other senior women living there and help her get ahead on things. She could charge them $400 each and would do okay with surviving.

[@nrqed]

He also said that she should consider getting rid of her dog. A frail, sick, elderly woman, whose animal is probably one of the highlights of her life.

[@tylersanders2388]

I remember that video. My comment on it was that she is one of the few people that could actually benefit from a reverse mortgage. Sell the house out from under herself and live in it for the few remaining years of her life. Apologize to her daughter that there’s no inheritance

[@azbuckeyegirl9523]

I had that thought too. But I really don't know the details involved with a reverse mortgage.

[@crjcrj8443]

Reverse mortgage is the answer . She will live in her home as long as she physically can. And the mortgage gets paid when the heirs sell the house.

[@tylersanders2388]

@@azbuckeyegirl9523 it’s a financially stupid decision. Basically you’re selling the house and the mortgage company pays you monthly for it until you die and then resells it and collects the money when you’re gone. It’s how to sell your house and keep living in it temporarily. Only do it if you’re about to die and don’t have anyone you want to give an inheritance

[@Louie_V71]

I was scrolling to find this comment. I don’t typically like reverse mortgages, but this woman’s problem was income, which defaulting on her credit card would not solve. Selling her house to try and find cheaper accommodations seemed Ike it would raise her cost of living- but at least she would have the proceeds in the bank. Staying put in her home with its low expense and a steady stream of income would probably be a good option. I wonder what Dave would say about it?

[@tylersanders2388]

@@Louie_V71 Dave would say absolutely not, purely on principle. Dave’s thing is to give advice for the general public so he will only give advice that is good advice for everyone

[@whatevergoesforme5129]

You see, George, you could have done it differently and ask pertinent questions first before dishing out advice. Example: "Please tell me your monthly expenses (and write them down)." She was about to tell you but you cut her words. So now we don't know the exact numbers and do the math and what expenses she needs to cut. Next, the advice about the dog which is valid but given without empathy as if getting rid of a pet is so easy (unless one is an irresponsible and wicked pet owner). Maybe say it this way. "I know you need companionship and a dog give you this and more, but in your case, it will be hard to keep a dog which will be unfair to both of you. Can you find someone to take care of your dog instead?" Next, the selling of the house. You just made assumptions about the value and then what to buy after the sale. A better advice would have been this. "Okay, so you are thinking of selling your house. Is there someone who can help you find a buyer? But first, know the real value of your house so you can also find a smaller place that you can afford to buy with all the costs involved. Or maybe you can rent out a room to a person you can trust to stay with you." Next, the selling of the car. "Since you have leukemia, do you still want to drive a car? Would it be better to sell your car and find ways to have someone drive you when you need to go to a place." Next, whenever she makes excuses for not accepting a piece of advice, maybe tell her that if she is not willing to make any changes which is hard because she is set in her ways, then she will never be able to solve her problem. And so much more, but it takes someone who knows about senior issues to give a more nuanced and tailored advice as seen in the comments under that video. Examples, programs for seniors like housing, food, transportation, a social worker for seniors. Then, maybe praise the old lady for wanting to pay off her debts despite the fact that at her age, she can actually get away with not paying her debts LOL. But it takes a senior or someone around seniors to understand problems of senior citizens.

[@SO4JTV]

Ramsey Team- you should keep doing these “Dave do-over videos” .. also be nice if you could also do a “Where are they Now” videos … often wonder what some of these people in the videos did with the advice they were given .. 😅 .. more of these videos please 😜

[@cyoohoos]

To the estate of this 86 year old….. credit card is UNSECURED Debt. The CC company will want their money but you have NO OBLIGATION to pay

[@SalisburySnake]

They can get paid from her estate when she dies though, which means the heirs are forced to sell the house and lose some or most of it. Which is not really a problem for the caller, but it might be for the heirs.

[@crjcrj8443]

Who cares about the heirs. It’s about the woman now. They can sell the house and pocket the rest .

[@cyoohoos]

@@SalisburySnakeWas in the situation. Sold my Moms home. Key she should have a will. Get a lawyer to Transfer the deed out of the estate to the heirs. Then sell it because it's your house not hers Told CC card company to call Momma and if they can get her on the phone then make her pay. Dave said it…THEY loaned her that money

[@karloliver4949]

Unless they obtain a judgment

[@cyoohoos]

@@karloliver4949 Been there done that. These credit card companies write off so much bad debt... that's why their interest rates are ridiculous. They aren't going to work that hard because it's a tax write off. But go ahead... pay them. And they can get a judgement on the estate.... if all the assets are gone... then what? Ruin my Dead Momma's credit? Garnish her wages? Call Jesus to send her back so she can pay? They CANNOT come after anyone not on that card and they know it. So they intimidate you and the weak fall for it.

[@1jw298]

It was the attitude towards the woman. He had no patience.

[@janelleg597]

Yes he did. He was being practical. There was no rudeness. People are way too soft and easily offended

[@vickieclark5931]

He had more than enough patience with her excuses that she kept giving him.

[@1jw298]

@@vickieclark5931 she’s 86……when you are that age everything in going down hill fast. She’s scared and desperate.

[@1jw298]

@@janelleg597 she’s 86….. scared and desperate. You’ll be there one day.

[@debra7241]

@@janelleg597, you tuff individual you. Silly you pretending like you don’t have a soul!😂

[@JosiePC44]

I saw the original show, when he suggested she go back to work, then gave her sh!t for not planning better -I was stunned. That poor lady probably beats herself up everyday about her situation. She didnt need to be scolded like that, especially now. What was the point? Maybe he doesn't have anyone close to him who is elderly. Anyway, one bad call isn't the end of the world. I hope that lady's daughter steps up to help her out.

[@Undefined14]

I don't always like what Dave has to say, but I think he perfectly nailed every aspect of this.

[@paulahawkins3786]

Dave is exactly right - George was heartless and rude. Dave has been through being scared and broke. Dave is a great listener and good at zeroing in on the caller's problem. Dave has the life experience and the common sense to be of real help to the callers. Dave has been broke and scared. None of the others have had a hard time in life and it shows. Yes, the lady is 86, she worked until she was almost 80, she was responsible and has a paid for home and car, but they did not hear that she is reluctant to ask her daughter and former husband to help her (it's really hard for many seniors to ask for or admit that they need help. It also seemed that she was reluctant to move in with her daughter - perhaps her daughter does not want her). I used to work with a church and a senior from a local senior housing center (2 blocks from the church) came by the office one day - in tears - and told me she hadn't eaten in four days - she was so embarrassed and told me she didn't know where she had gone wrong, as she had been a good mom, saved her money, but illness and medical bills wiped out her savings. She also told me she was a widow and had moved into senior housing when her husband died, and she and her husband had sacrificed to raise four kids and none of them ever came by to see her or call her except on holidays or bothered to check on her. Of course we helped her immediately with meals, groceries and made sure to start a pantry at the senior living center she lived at. The caller said her dog cost her $180. for one month, not every month, as she told Jade when Jade asked if that expense was for every month. Who on earth is so heartless to tell someone to get rid of their pet. Some seniors have no one in their lives, but their pets. Dave gave great advice for the caller to take care of her four walls first, then let the credit card payments go until she can afford to pay them. George and Jade could have 1.) listened better 2.) suggested that the caller seek local help from a local church, a food pantry (some food pantries also help with pet food), local United Way hot lines, etc. 3.) as the folks in the comments suggested she should consider finding a roommate to rent part of her home to. She needs help with information to help her with information on how to lower her expenses, including utilities, phone, medications, vet bills, car repairs, etc. She needs help finding a roommate that is vetted for safety. She needs a mini emergency fund. She needs help with finding out what her home is worth, what are the local available options for senior housing and if they accept pets. Dave needs to have regular reviews of the advice and also it would be great if Ramsey Solutions had financial advisers available who specialize in helping seniors - there is going to be an enormous need in the coming years.

[@sallyprzybil2404]

Pretty much agree. The reality is that many Senior’s, for one reason or another, have little or nothing saved for retirement. More and more of them are going to be reaching out for financial advice. Ramsey Solutions had branded itself as an Icon of financial solutions so its natural to assume that one big place they will be reaching out to for ideas is Ramsey Solutions. Life, financially, after retirement is a different thing than financial life before retirement.

[@sallyprzybil2404]

Although I don’t thing George was heartless, just, probably, frustrated and pressured by the lack of time to think of more answers. The call was at the end of the show and they were trying to wrap things up. Perhaps she should have been referred to one of their many financial advisors that they have on staff for some personal help. I’ve heard them do that with some younger people.

[@paulahawkins3786]

@@sallyprzybil2404 I agree with you - they seemed rushed. Hopefully, Ramsey will come up with better ways to handle these calls. I think the main problem was that they seem to have canned answers - Dave is just better at trouble shooting and giving advice to a caller's specific situation!

[@felipeoliveira2219]

George should at least apologize....at least...come on dude......shame on you

[@sophie20001]

Agreed!

[@christie4336]

The original call was hard to hear. Don't we all assume that she wishes she had done things a bit different? I wish they would have congratulated her on having achieved a paid for home. On the other hand, George's logic is correct.

[@amireallythatgrumpy6508]

No he shouldn't. Apologies are meaningless. And a waste of time.

[@jenniferheth8117]

I was one of the trolls piling on George. In George’s defense it is difficult to think on your feet and problem solve a very difficult situation by throwing out different ideas. Some of those ideas will inevitably be bad ones. George is still too young to have various aches and pains in order to understand how ludicrous it is to tell some who is almost 90 to go back to work. Yikes! Renting out spare rooms was what I previously suggested. Traveling nurses and grad students are two great groups to rent to. They often want a furnished room and spend all their time working or studying. I think George learned a good lesson here and I doubt he’ll make that mistake again.

[@BARBARAWILSON-ni5lr]

I also feel it would be great for George and others who take calls is some of people who call in aren’t just bitching and complaining but are living with very challenging chronic illnesses and have frequently worked multiple jobs to pay huge medical bills. Even ordinary millionaires may have financial issues if paying 10,000 a month or more for assisted living/memory care for a spouse. This woman may have worked hard for 60 years . Her cancer may make it difficult to consider suggestions given!

[@CrayonEater94]

I want to see Dave responding to George’s 4% withdrawal

[@bigd9040]

He already got mad about that lol

[@epicvids9557]

The stock market was flat during the 2000s. If you had withdrawn 8% a year, you would have lost most of your money and never recovered.

[@AnimatedIdiotGuide]

@@bigd9040and unlike here, Dave was the one who was wrong

[@BrooklynP333]

Dave, I'm doing this work too, because I really care. Never trolled or redit. I've followed your work for a long time, and never commented before, but I couldn't help it with the 86 year old caller. I appreciate you, and that you are actively involved in mentoring young George. Well wishes to you both. Was there any follow up with the 86 year old? 😊

[@MeowmyandMe]

Dave can try to play this off like it’s one big joke but the very fact he felt the need to film a video talking about it tells you the criticisms got to him

[@joshatkinson1945]

It’s not that deep

[@franciskeys9810]

@@joshatkinson1945 It is that deep. This was some of the worst financial advice I've ever heard in my life. Everything that came out of George's mouth was not only inhumane, it also would put her in worse positions. The solution here is for George to wake up and realize he's not an expert on everything related to money, and especially not when it comes to poverty. He thinks he did something great by getting a job and paying off $40K in student loans and consumer debt. He didn't. All he did was start to work for the first time in his life. George is not great. George is not even a good guy.

[@angryox3102]

Dave said exactly what I did!! Default on the cards. People said I was wrong and immoral. I was right!!!!

[@shannonrose4916]

Right! I knew Dave would say screw the credit card company. What are they going to do to an 86 year old anyway? Paying for food and shelter takes priority.

[@benmoisio232]

You took money and never gave it back, I don't understand how you could possibly say you were right

[@karloliver4949]

See Deuterononmy 15:1-2. Bankruptcy reset.

[@benmoisio232]

@@karloliver4949 it literally only applies to Israelite during the old testament, which was are now old rules. But they're out of context anyways, just like we no longer have to sacrifice animals as it talks about in chapter 14

[@Srode1999]

It is immoral to borrow money and not pay it back. There are times where it is unavoidable though. Not sure this is where she is at. Maybe she is

[@tshandy1]

You don't see the inside of a casket unless you are working there.

[@adrianr.2603]

😂😂😂😂

[@vickieclark5931]

LOL

[@christie4336]

OMG.... That is funny. Where's the meme?

[@ubwaterman]

hilarious!!!

[@davinasquirrel7672]

I was another critical of George's advice to an ill 86yo woman, and not trolling, I was genuinely horrified. My advice on the original video was to find out the local services in her area, like foodbanks (I don't know anything about the US food stamps). Further, there may be organisations in her area that can help with vet services, rather than the horrific advice of "give up the dog". Pets are quite often the elderlies' lifeline and sole companionship, quite horrible to say to 'get rid of' the pet. Her main 'over budget' probably stems mostly from the CC payments, and if those were gotten rid of (either by default, or by donations - hey you Ramsey millionaires, give like no one else, here is your chance to step up), and if she was able to connect with the other services like foodbank in her area, then although she would be living humbly, she would get by. George needs to realise, many elderly just are no longer capable of "get a PT job". My mother is a similar age to this lady, and was up until the last year fairly active, but now she is no longer physically capable beyond looking after herself and house, she does not have the capabilities of extra on top of that.

[@cedricnicholson7446]

I’m actually a certified life and executive coach and I commented on the original video. I suggested that she talk with her daughter and ask her to help supplement the $200-250 per month for the remainder of her life and in turn when she passes her daughter can sell her house and get that back plus the extra equity from that.

[@barbarasbisa892]

The daughter gets the house anyway. Why would she ante up money to someone she doesn't get along with? Old lady needs to sell her house, pay off her debts and get a senior apartment or mobile home.

[@DB-gh4ut]

Why are people saying the daughter needs to help. The adult in this situation screwed herself to where when she is 86 that she can’t afford to live.

[@karloliver4949]

Why not get a bankruptcy reset? Zero out the 30k in cc debt. Keep the house, car, household goods, and retirement income. Credit back up in 6 months. The stress of debt on an elderly person can be life threatening (stroke, heart attack or other serious health ailment). Then should could use the money she was paying for cc for savings.

[@CroisMoi]

You assume the daughter has extra money. If she is in her 60's, she might need all her income. She also needs to think about her own retirement. It is time to look at social assistance. Food banks, meals on wheels, and all the companies that help people like this.

[@jordanspringer8]

This is what I said to the original video: Sell the house, get an apartment. Even selling for 200k and renting a $1500-1800 apartment in Jacksonville is easy to find. Pair that with her social security and she’s covered for the next 8-10 years. Take 150k of that 200k and put it in a GIC (if possible) and at 4.5% in 1.5 years, she’d earn an additional 10 grand right there. She doesn’t need to work.

[@Chet_24]

She wasnt interested in selling the house or moving. That was a huge part of the problem.

[@jordanspringer8]

@@Chet_24 yeah that’s true, she wasn’t interested in any sort of change, just like most people who call. A lot of them just want a simple easy fix.

[@franciskeys9810]

And if she lives another ten years and rent goes up to $3,000 a month, then what? What if the Fed drops the interest rate and inflation goes back up so a GIC is actually a negative return? This is terrible advice.

[@ConstructionHoney]

​@@franciskeys9810if she lives to 96 I will pay for her 😅

[@bradycone]

Absolutely. The answer is to sell the house and rent. Maybe even rent a room from another elderly person. George made it sound like renting would be horrible because the cost goes up. But she only has a few years left, so that doesn't matter. And, she doesn't need to be maintaining a house at this point. Telling her she should buy a different house is crazy. About as crazy as telling her to get a job.

[@777RL]

Working at 86…breaks my heart.

[@untouchable360x]

So is making poor decisions for 86 years.

[@JW-vl5or]

So she has been a single mom since 19? Bad decisions for 67 years? What did she do from 40 onwards once the kids were grown?

[@jalentolbert6162]

My co-worker is 89...ppl don't believe me 😂😂 her sister is 96 and the both work everyday

[@vickieclark5931]

@@untouchable360x BINGO! I'm not planning on working at 86, which is why right now in my 50s I'm getting things taken care of. That's what we all should be doing so that we can enjoy our retirement.

[@kbanghart]

​@@untouchable360x Yes, blame kids for being born.

[@Yo_soy_Annna]

We need more Dave reacting to these new Ramsay personalities. Sometimes their advice is out of line, and I am not sure if Dave knows what they say 😂

[@NaNa-lt1po]

They don't use their brains... foe everything they have the baby steps as the answer.. I have a simple thing.. no dave and I'm not watching these goobers

[@vistavisionary]

The Ramsey model doesn’t work when you are 86 because it requires you to work.

[@christie4336]

You could also just say that the Ramsey model requires you to plan ahead. It requires you to make adjustments in real time. If this gal had 6 mos of more bills then money and then addressed it, the problem would be easier to deal with. If she is charging $200 or $300 per month that is roughly $3500. Dealing with it at the end of year one would be easier then the end of year 8, 9 or 10.

[@cooleobrad]

She would not be required to work anymore if she had followed the Ramsey model for even half of the 60 years she was working.

[@franciskeys9810]

@@cooleobrad Yes, what a foolish old woman. Why didn't she watch Dave Ramsey and listen to his financial advice in 1960? I bet you can't write in cursive. I bet you don't know Latin. I bet you can't mow with a scythe. I bet you don't know how to spin yarn with a drop spindle. I bet you can't even figure out what I mean by these things.

[@tonydarcy7475]

I agree. She probably should just get a reverse mortgage. It is more important the last few years of her life are comfortable than to worry about her kids inheritance.

[@BARBARAWILSON-ni5lr]

Even people who follow Ramsey model and save 15 per cent or more of income can experience huge medical debt and run out of money esp if don’t qualify for help with meds secondary to higher income.

[@LiliMinaj24]

I like George but his advice regarding people’s pets is blah (sell your horse and get rid of your dog). Stop telling people to get rid of their pets! I bet that lady’s dog is her best companion and more loyal than her own children since she apparently couldn’t count on them. George, Jade and the rest of yall: PLEASE STOP TELLING PEOPLE TO GET RID OF THEIR PUPS 🐶

[@sitcomchristian6886]

I disagree, but I think it should be case-by-case. This woman needs to keep her dog. The family of 4 who had to return their groceries to Costco to pay other bills, while owning 5 dogs, needs to let the dogs go to new homes.

[@LiliMinaj24]

@@sitcomchristian6886 I might have missed that episode I need to find it

[@aliciaohara8794]

I said to just default on the CC's...also make sure she's getting all of the senior benefits she can - including food stamps, reduced heating, reduced property taxes, etc.

[@angryox3102]

I said to default too but people said that I was immoral for suggesting that😂

[@franciskeys9810]

@@angryox3102 What's immoral is trying to take an 86-year-old woman's house and even her dog.

[@angryox3102]

@@franciskeys9810I agree wholeheartedly.

[@beaniemac]

Daddy Dave apparently heard the backlash of George suggesting an 86 year old woman to deliver pizzas 😂😂

[@letstalkaboutgermany8288]

I am glad that you revisited this disturbing call and yes, telling her to get a roommate is a great idea. I have been working with seniors my entire career and I urge you to show this lady some grace. She is not a spoiled teenager who doesn't want to take your advice. She is 86! I know many people who are commenting here are young and can't imagine what it is like to be 86, but I am telling you, eighty-six is OLD! She might not have even heard what George and Jade said through the phone, let alone had the time to process it. There might have been some cognitive issues involved, maybe even some dementia. Just imagine you are on that call, live on the air, and you have 5 minutes and George and Jade are asking you all these rapid-fire questions? That would be challenging for a 30-year-old College Graduate, let alone for an octogenarian. Plus, she has leukemia and she is scared and the fact that she picked up the phone and dialed the number is a huge accomplishment. At this point, it actually is the daughter's job to take care of her and make sure that she is safe. Or, as Dave said, ride it out with the credit card bills....But please no more comments like: "she doesn't want to do what we said" or "she should get a job"....

[@rebekah.2187]

I noticed that she was having trouble hearing/understanding them. At first I thought, maybe she could work from home, answering the phone, but I realized that idea wasn't going to work. Is telling her to get a roommate really a good idea? I'm worried about someone taking advantage of her. That's the last thing she needs.

[@letstalkaboutgermany8288]

@@rebekah.2187 I actually just had that happen: I was caught in the recent flood in Miami and needed to get Mazda roadside assistance to tow my car. The lady who answered the phone must have been in her seventies, she couldn’t even work the phone, let alone help me. It was a harrowing experience….. and about “our” lady from the Ramsey show: 86 is REALLY old. We can’t expect octogenarians to work. It just isn’t happening… yes, there are always the outliers, those who complete a Master’s degree at 105, but these are unicorns…

[@EmeryShae]

She’s still using being a single mom at 19 as an excuse for where she is at 86. That’s not a woman who takes responsibility for her life.

[@angooredcow157]

Thank you for revisiting this phone call. Your podcast will only strengthen when you are willing to review less than optimal recommendations. It shows humility. I was astounded when George suggested that the caller returned to work at 86 years old. I have neighbors here who are younger than 86 years old. They can barely move or follow instructions or discuss mundane issues. It is not the end of the world, George. We all make mistakes and learn from them. It is indeed difficult to think and solve problems right off the top of your head over a telephone phone call. More importantly, I hope the caller is okay. And, George, I hope you are okay too.

[@PepeToTheMooon]

I hope they revisit the Taylor Swift ticket fiasco too. That one was laughable.

[@Polkadot2]

Sell sell sell!

[@JCW_06]

If the call was they had bought 600 dollars worth of basketball game tickets that were now worth 10k, i think we all know the answer would have been different.

[@bvoyelr]

Eh, money exists to make our lives better. The tickets were a planned expense that turned into a potential financial windfall -- basically like winning a small lottery. Sure, you *CAN* put it away and get yourself ahead financially, but if you're on track financially, then there's no harm in letting the money buy you some good experiences. We only get one life. So long as you're saving appropriately for tomorrow, don't be afraid to enjoy today.

[@JCW_06]

@@bvoyelr The back story was that she had a lot of student loan debt and could sell the tickets and knock out a good chunk of that. i agree if she was in a better financial situation that we have money to spend for experiences, but it would have been much better spent cutting out months or years of working towards paying off debt.

[@r.rodriguez4991]

How? First of all the mom was asking if she could sell tickets she bought to pay her daughter's debt. When has Dave ever recommended paying someone else's debt? And people were acting like she actually spent $10K on the tickets. She spent $600. But people were literally saying, "You can't afford to spend $10K on a show." The reality was the lady spent $600 some time back and wanted to see if she should sell the tickets to pay her daughter's debt. Say it was a car. When has Dave ever told a person to sell their paid off car worth 10K to pay their student loan? And when has he ever said to do it to pay someone else's?

[@debbieholoquist2059]

I'm so glad to see you reviewing that video. As a person who has always pushed for financial responsibility, I saw my mother struggling to pay miscellaneous bills when she was 78 and suffering from lung cancer. I told her the same thing you suggested, Dave -- don't worry about those bills. I suggested that paying $5 a month would be okay if it made her feel better. (Oh, and I believe the dog only cost her about $200 in vet bills for that one instance, not every month.)

[@franciskeys9810]

It was a single vet visit. I don't know how people get so focused on one random data point.

[@janicewright4007]

If George wants to help her he should mail her $300 a month

[@Themoomabides]

Caller: I’m an 86 years old woman and in debt with only $1200 a month coming in. George: McDonalds is paying $20 an hour in California. Can you commute? Do you have a car? You can Uber. Best times are 12am to 2am when people are getting out of bars. I’ll send you Ken’s book on getting a dream job! Plus you sound anxious. I’ll send you Dr. John’s book too. I hope this helps!

[@janicewright4007]

The right response was don’t worry about your debt. You’re 86. Take care of yourself

[@kellibuzzard9431]

Or, ask your daughter--the child you reared singlehandedly--to help you.

[@DB-gh4ut]

⁠​⁠@@kellibuzzard9431not the daughter’s responsibility! She should’ve managed her money her adult life! Just because she decided to give birth to a child doesn’t mean the child owes her.

[@uscitizen1035]

George needs to speak less. He overtalks the caller. She could barely get a word in.

[@lisahuff7779]

Reality, not every age and situation is the same. My father had a heart attack at 42 went back to work and died on the job with a widow maker at 42. My mother had scared lungs from getting hooping cough going around the nurses as she was born (a life long struggle of breathing full breaths) Dies at just turning 48 . LESSON , one size does not fit all, and you have to walk a mile in someones shoes to see the full pi ture. I think am over this whole internet thing . People seem to think pretty highly of themselves and there are those that have had more than their far share of tragedy and keep on going (but it doesnt look perfect) . Have a blessed day everyone

[@jackb5640]

"We're here trying while youre sitting at home bitching" 😂 happy to step in and offer my advice, whats the pay like?

[@tyrecarmon20]

He said that with his chest too😂😂

[@singerjo5791]

She can move into a subsidized apartment. Rent is based on income.

[@yolandemurphy9803]

George - admit it - you did not give her much help - I hope you call that lovely lady & see if she is ok cos I would be crying and not feel well if it was me 😢

[@gracepettersen5282]

Well, they gave her many recommendations that she didn’t want to hear. Then he finally suggested she work some. The fact that this lady made zero plans for retirement and didn’t want to hear any suggestions is maybe a reason to cry, but not because of anything George said. She’s made many, many poor decisions to get her in this spot so she’s going to have to sacrifice something unfortunately.

[@yolandemurphy9803]

@@gracepettersen5282 - this shows lack of empathy too I'm afraid. His suggestions were poor - except sell the house

[@gracepettersen5282]

@@yolandemurphy9803 I have plenty of empathy but if you set yourself up for failure you absolutely have to be willing to compromise and listen to suggestions. It’s a sad situation that doesn’t have a good answer. She has to compromise somewhere whether it’s moving in with her daughter or doing something.

[@gracepettersen5282]

@@yolandemurphy9803 she’s also literally had decades to save for retirement. Her daughter hasn’t been young and requiring childcare since this lady’s 20s. She’s had almost 50 years to plan

[@yolandemurphy9803]

@@gracepettersen5282 well I'd say - she didn't know how, maybe she has been scrimping to pay for her life / all of her life ????

[@janfahey6387]

If I was 86 in that position with failing health, I’d skip the debt. Don’t pay. I agree completely with Dave.

[@felipeoliveira2219]

Imagine if that 86 year old was his mom....

[@Bronte-on6tm]

I'd like to think that she would swat him for being a jerk.

[@GigaChad_169]

She isn't...imagine if you had a pink dinosaur. Equally ridiculous.

[@dr_pinna543]

He'd probably help her in some way so his mom wouldn't have to struggle. Like get over the personality difference and ask your daughter if she can let her move in. She can pay rent and still save up.

[@franciskeys9810]

@@GigaChad_169 You know who names himself GigaChad_169? A short fat broke kid with no muscle tone who lives with his mom.

[@felipeoliveira2219]

@@dr_pinna543 Thats exactly what George would do....tks for being realistic some idiots here cant think with their brain or never had to help anybody.....

[@gstar876]

That's what a lot of persons were saying. Just forget about the card and enjoy the rest of her life. Let them claim it from her estate after. The truth is as you've said, she doesn't have that much time left.

[@gstar876]

It's not that we hate George.....we just didn't like the advice this time around.

[@countdown2xstacy]

I’m surprised George didn’t say “can you drive for Uber ? Deliver pizza ? Maybe live on rice and beans?”

[@Rashaadthegr8]

The funny is most ppl going be that 86 year old. Think about it double your age and retirement you have today. Most Americans have a 5 of even 6 figure NEGATIVE networth.

[@567Kriss]

Im glad dave is talking about this cuz he spoke rudely to her

[@janelleg597]

No he didn't. She asked for advice and shot everything down.

[@TheDjcarter1966]

Problem is these new personalities are mostly clueless Dave is a grumpy old guy but when the situation calls for it he shows great care and compassion, all these new personalities can do is regurgitate the baby steps, they don't know about finance,investing, real estate business or much of anything, only one with half a clue is Rachel.

[@anns1269]

And she lacks life experience of ever being in a true financial hardship situation

[@Mac-tz4wn]

George is the definition of no critical thinking just ramsey baby step regurgitation

[@amireallythatgrumpy6508]

Americans are the definition of no critical thinking.

[@mysticquetzal87]

if she was a single mother at 19, it means at 37 her child was an adult. so she still had 50 years to save money 🙄

[@Bidenlost2020]

I don't see another way around that. Oh well...