“This Is Going To Chop You Down”

💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...

[@cathyP1961]

My son lived with us till he was 28 and moved out . Died 3 months later in a 2 car accident. So thankful for the time we had together.

[@DaveDepilot-KFRG]

so sorry for your loss.

[@jocypare6019]

People underestimate the connection with a grown child

[@jamaicaninthekitchen4358]

My condolences

[@ryanxiong2258]

Sorry for the kid, never know when we'll lose a loved one.

[@MsNerdSlayer]

I’m sorry for your loss.

[@iggypopped]

Dave is very much not living in current economic realities on this one.

[@jacobking1131]

​@@Jmack1llaYes but 86k with no rent and a few years can save up a great down payment on a house. I'm in support of moving out before age 23 or so, but it's dumb to not admit the huge financial benefit of not having to pay modern prices for housing

[@eegernades]

​@@Jmack1llait's even smarter to stay at home and save 90%, than move out and only save 60% after bills Dave is out of touch.

[@eegernades]

@@Jmack1lla where's your proof of this? Many. If financially responsible, will have enough saved to buy a home. Me 24, a full stack engineer, still lives with mommy. Got my 2022, and 2023 roth Maxed Out. Got a 6 month emergency fund, and a good chunk of change in a wealthfront 5.50% high yield savings account. I dont plan to leave, mommy. Till I'm 28. And plan to continue to save like I have. I'm not the only finicially literate individual doing the above.

[@JustinCase780]

What? The dude is 22...CHILL! He makes great coin and could be saving for a house sooo quickly which would put him way ahead.

[@dyates6380]

Right. Twenty two is still totally acceptable to be living at home. In fact, it's the smart thing to do as you can save a lot easier just paying your parents a minimal amount as opposed to paying rent. I moved out early, but I also shared an apartment with my buddy and it worked out well for us back then when we were making five and a quarter an hour way back then. Good memories though.

[@TheDmonet]

I have a 4 bedroom paid off house...as long as my kids remain respectful and pay for something I'm not kicking them out, especially where I live with rents being what they are.

[@JustinCase780]

@@TheDmonet They preach...move out now, get married now, have babies now. Completely contradicting the peoples desire of building wealth. Especially this dude that is only 22 and could save a ton of money to build an amazing future in short time.

[@KristyHamby-t9i]

Sometimes BLOOD is way thicker than water. Dave has great advice but sometimes he has no empathy for people@@dyates6380

[@Bamapride1985]

But preach to people to rent a room in a house to have cheaper rent to pay off debt. If single by all means, stay living with your family. Move out when you are starting a family of own with a partner. Most people in early 20s are working or being active and gone most the time anyways. Come home to the house to sleep half the times when not spend nights at friends anyways

[@davesrvchannel4717]

Keshawn, when you want to get a home loan the bank will tell you no, because you will be on your dads loan. No bank will allow you to be on 2 home loans. Tell this to your dad to keep the peace

[@user-mv9tt4st9k]

The same will happen with a rental application if he chooses to move out after co-signing that home loan. A family member bought a house with the girlfriend. In ten years the GF bailed and tried to force him to sell the house because she could not qualify for an apartment with a mortgage on her credit. He ended up buying her out for a song and keeping the house.

[@worldnomad2301]

Before they had any information they scoffed at the idea that a 22 year old is living at home? I’m confused

[@juan9ernesto]

Rare Ramsey L on this one

[@xkanyewestfanx2009]

It’s a privilege to be able to live at home, saving money for emergency funds & a down payment on a home. Not everyone has that luxury so to folks who still live with parents take advantage of the opportunity! His dad should not be asking him to purchase a home, you don’t ask your kids for that. And his dad clearly has poor money management even at 61.

[@howlbeast]

Thank you 🙏🏽

[@63SpaceGirl]

Buying into a 30 year mortgage at 60+ is insane

[@roathripper]

insane if he got approved

[@DoctorSmartyPants]

Not at all. Sounds like you don't know how mortgages work.

[@63SpaceGirl]

@@DoctorSmartyPants I just turned 60 & there is no way I would take on a 30 yr mortgage now. If I already owned a home with a ton of equity, I may sell that home - if I could buy one outright. I see paying a mortgage as something you do to invest in your future. And let's be honest, at 60, I've only got 20-30 years left. And I'm not working the next to 20-30 yrs to payoff a house. If you're struggling at 60 to pay your bills, you need a new plan. Not a new mortgage.

[@hvaball150]

No more insane than any other year.

[@xsgtxbigboy1655]

Is 22 really crazy to live at home? With how high inflation is ppl are mad they don’t wanna live check to check paying 1500 for a 2 bed?

[@jodylarson4697]

He makes $86K a year.

[@PhuongTran-j9l2i]

I lived at home until I got married at 28. I had a career at 22. I paid rent. It wasn’t weird.

[@RCGuitar982]

Anything that isn't strictly within the Ramsey principles is weird to them. I lived with my now-wife for a few years before we even got engaged. They'd look at me like i had 3 heads. More people would follow them if they were ok with things that "aren't pretty, but they work"

[@user-mv9tt4st9k]

It might have gotten wierd had you been asked to co-sign a mortgage so your parents could buy themselves a retirement home, and you told them "No.". The issue was not about him living with his parents and "contributing," the issue was his dad asking him to co-sign a mortgage.

[@worldnomad2301]

@@user-mv9tt4st9k No, they scoffed at the idea of him living at home before they had that info.

[@anayzaveri2869]

This is one of the rare times I disagree with Dave. At 22 you can live with your parents as long as you are not mooching off of them. And this man isn’t

[@jodylarson4697]

But he is not free to live his own life. You can tell because of the quandary he's in about this loan.

[@eegernades]

​@@jodylarson4697he failed to set boundaries. That's on him. Many I've with folks, especially nowadays, and especially in other countries, and still free to live how they like.

[@alladreamwedreamed]

I think Dave just quickly picked up on the caller's unhappiness with the situation and started to affirm him wanting to leave right away

[@Wild_flower_415]

@@eegernades but who are you to tell your parents to sod off when they ask for help if you are living on their property for free. Better to move out so you’re no longer beholden

[@eegernades]

@@Wild_flower_415 tf you're talking about? Who's telling anybody to f off to their parents?

[@braedenreed4052]

The people in the comment section saying Dave is being mean for telling him to move out are delusional. At some point you need to be a man and live your own life instead of being a child until you're 30

[@rajbeekie7124]

I just don't get the drive for kids to move out of the house as soon as possible. In many cases, this is a way to build wealth. It must be a cultural thing.

[@eegernades]

It is. Primarily American.

[@guccithunder6136]

Never let someone tell you that living with your Parents is a Wrong or Bad Choice. As long as they’re alright with it and you’re contributing to the Household Bills, I don’t see the issue with it. I honestly never understood why Grown People are worried about where other Grown People are Living, like they pay their Bills or something lol

[@vxptc1]

Yea who the fuck care where u live or who u live with as long as ur taking care of urself and not putting it on someone else. Dave needs to chill the fuck out and needs a wake up call.

[@girlwithnoniche7852]

Exactly!!!!

[@tonytoni1150]

At a certain point, you gotta leave the nest tho. Especially if you can afford it. How are you supposed to grow as an individual living with mommy and daddy till you’re 30?

[@darinherrick9224]

Just say "my parents are living with me". If your an adult it should be a two way street.

[@Scarface_445]

Disagree, at some point you gotta struggle. Yes paying 600$ is nice while living with mom and making up 5% of your income. But learning the lessons that come with signing a lease, finding an apartment, dealing with landlords, roommates, bills ect. Are only learned after you leave.

[@JM4lyfe92]

Dave Ramsey is all about spending your money wisely and not going into debt but looks sideways on people living with their parents. Why?

[@noraazzi4673]

I believe Dave is saying living with a toxic parent who has not truly grown up is bad. The kid is making enough money to make it on his own. He should move out.

[@Dare2Soar1]

Good question. I was thinking the same. Doesnt look like his parents are toxic. They are not very financially smart. But staying with his parents will help him save alot of money which he can invest and grow from there. When he is ready to move out then he should, but he should stay with them as long as he can. My kids live with me. I don't ask for any rent or help with any expenses. They have saved enough to buy their home. My other kid moved out and living with his girlfriend. He has 3 months of rent in his savings. That's it. Live with your parents if they let you.

[@Extremaduur]

I live in Canada. Housing affordability is even worse than in the USA, and our salaries are lower and our taxes are higher. I have three tween daughters who live with me, even if they wanted to move out they cannot afford it. I don't want them to be homeless, so I told them that they can live with me as long as they want. And my goal is to pay off my house before I die, so that they can live there after I am gone. I work two jobs to pay for it all, since I don't want to ask for rent.

[@sashalawrence4786]

@@ExtremaduurThumbs up papa

[@dmarshall5148]

He makes $86k a year, that might have something to do with it.

[@azteca6695]

Dave is SO OUT OF TOUCH. rent, food, gas is so expensive. I would have my kids stay with me for certain amount of time. That why they can save up for a down payment on a house and have an emergency funds

[@user-mv9tt4st9k]

The dad might not be saving for a house. The caller said dad was living paycheck to paycheck and had a car payment. It sounded like dad was viewing his son's financial success as a way to fund his own dreams of home ownership, something dad himself should have planned and saved for long ago. Our children should not expected to be a piggy bank or co-signer. As parents we are supposed to be examples with the hope that our children will succeed beyond us. Expecting or guilting our children into funding our dreams or retirement at the sake of their own seems supremely selfish.

[@shecravesit7072]

One of the main things I disagree with Dave on is not living at home in your early 20s. Is it a wise financial decision to spend $1,600/mo to RENT a one bedroom apartment? Rents aren’t $350/mo anymore. It’s ridiculous. So long as the young adult contributes to the household, I support it 100%. Forget the old American idea of moving out at 18.

[@John3.36]

It is not about the money at this time in life, it is about the mental change that takes place when you have to take care of yourself. You work harder. You make decisions differently. You are not with mommy and daddy any longer. Capiche?

[@jodylarson4697]

The caller makes $86K per year. He does not need to live at home for any reason. He is not in school and he is not out of work trying to find a job. He should have his own place so he can be an adult, and that includes having romantic relationships. I'm sure bringing a partner home after a date out would not go over well!

[@frozenfirestix]

$1600 a month?! Yea first thing is don’t live in a city because thats the only place you’ll see that kind of ripoff. Seriously I hope that was just exaggerating.

[@frozenfirestix]

@@John3.36I agree, but those that don’t are just part of the statistics that teach everyone else what not to do. Once they’re in that mindset, they play victim which is just like an addiction..very hard to get out of

[@shecravesit7072]

@@John3.36 All lessons which can be taught at home. For example, parents should still make them contribute financially for food and utilities and such. Have them do all the chores you are forced to do when living on your own (trash, dishes, etc). Or yeah- financially set back your kid YEARS because “it is not about money at this time in life”. Whatever suits you and your outdated mindset.

[@tiffanyyllera5977]

I was kicked out at age 18. I was responsible, cleaned after my myself. But their belief was “if the bird doesn’t leave at 18, then they will never leave.” I wish I had parents who permitted me to live with them for free while paying for school then save for a house and contribute the max towards my retirement.

[@terriwardle591]

Me to it forced a lot of bad choices

[@Dare2Soar1]

I'm so sorry they did that to you. You were still a kid and getting kicked out at that age is cruel. Not only they should have let you stay home with them, they should have paid for your college and all expenses until you graduated and got a job. That's still their responsibility. I hope everything is great for you now.

[@Dare2Soar1]

@@terriwardle591 Of course, you were just a kid and will make bad choices. Parents were supposed to help you make the right choices. I'm sorry they failed you.

[@janetd254]

My parents are horrible with money. My mom never had a good paying job. No more than 20k a year. And my dad makes great money but spends it’s so fast that we lived paycheck to paycheck. I moved out at 20 with my then boyfriend and now husband in which he helped out a lot financially and now in our early 30s have paid off our mortgage and have 0 debt with 2 kids. With a combined income of about 140k. My parents are still living the way they always have. I feel guilty at times because they are my parents but get so mad that they will go and buy a 20k truck or car every few years.

[@jodylarson4697]

You did the right thing. They are not going to change unless they make an effort, and they don't seem to feel a need to do that.

[@RakeshPeter2]

Thanks for continued update Making money is action. keeping money is behavior. Growing money is knowledge. I'm excited I started earning upto $65thousand dollars extra income❤️

[@JonBosworth-dc8no]

Same here, with my total portfolio of $70,400 made from my investments with Mrs Susan Marie Alessio trading platform, I'm totally convinced she's the best expert advicer I have worked with and her strategies are magical, she's such a blessing to me especially in this current dip.😍

[@WoolhouseCardish-cq7hc]

How please, I'm pretty new and feel I have much to learn, I would appreciate if you show me how to go about it

[@Rachelwilliams.]

YES! that's exactly her name (Mrs Susan Marie Alessio) I watched her interview on CNN News and so many people recommended highly about her and her trading skills, she's an expert and I'm just starting with her😊.. From Brisbane Australia🇦🇺

[@PaulBuriak]

Wow actually thought I was the only one trading with Mrs SUSAN MARIE ALESSIO!. she currently manages all my funds too and she also provides webinars on how to trade perfectly without losses, I don't have much to say about her but I'll advice newbies to place their trades under her services

[@frankalex7485]

[@isaacl6402]

Definitely agree this seems out of touch. If the family relationship is ok it should not be a problem to live at home at 22

[@harrychu650]

European Family Values are very different than traditional cultures.

[@user-mv9tt4st9k]

Oh goodness... Adult children living at home was not the issue. The issue was the dad asking the son to co-sign a home loan. When the son declines, living at home might become a bit testy. IF the dad/parents continue to lean on him to co-sign a home loan after he says "No," THEN it is time for the son to move out and live his own life.

[@vindoodles7346]

The family relationship can't be very good if dad is trying to pressure his son in co-signing on a house.

[@Trev_Swen]

I lived with my parents till I was 28. They never forced me to leave but I made the choice to move out. Both my Mom and I would argue a lot haha. I also didnt want to be in my 40s and still living at home either. I wanted to be independant and have my own personal space(away from my Mom). Fast forward 3 years later and I'm still living on my own. Glad I left! I learned a lot about being responsible and budgeting while living on my own. Truthfully, I wouldn't move back home

[@chicanoazteca8614]

What's going to chop him down is taking Dave's Advice and moving out tomorrow just so he can have a "place of his own". 1k a month in rent for a year is 12k. 12k is an emergency fund, a used car, a portion of downpayment. Why doesn't he tell his kids to stop sucking off of his teats and to find a career outside of what he gives them? Oh, I guess that's different from a parent who looks out for their kid by letting them live in their house with less expenses.... Get real.

[@John3.36]

He could get a room mate. Chillax.

[@jodylarson4697]

He makes $86K.

[@chicanoazteca8614]

@@jodylarson4697 And? If his parents are okay with the arrangement, and so is he, then it is stupid to move out just because some old rich guy said it "gives him a life". Especially when that old rich guy gave his kids the positions they are in now. Do as I say not as I do I suppose is the Ramsey way.

[@rebeccalindley153]

@@chicanoazteca8614 Why don't you watch the video and then comment.

[@chicanoazteca8614]

@@rebeccalindley153 When you haven't any way of expressing your disagreeing with someone just say they didn't watch the video. Genius. How long ago did you graduate from Harvard?

[@joesabah6199]

Image this guy saves his paycheck for two years just by living at home. Don't listen to this boomer just do what makes you happy

[@JustinCase780]

I had buddies that didn't complete college during the 80's-90's and lived at home while working their tails off and are now super rich with hugh houses. Their Italian families knew it could be done.

[@tkbreen1381]

I’m 24 and literally all but 3 of my friends still live with their parents. All of them went to college, have roughly 100k student loans, and make good money. Don’t let anyone like this make you feel like a loser if you have a good situation at home and you contribute.

[@user-mv9tt4st9k]

It is one thing to live at home and contribute. It is another thing for parents to view their child's success as a way out of their own lack of retirement planning. Were this my parents and I were in this situation, I would have declined the request to help them purchase a house. When the snippy comments and nasty remarks started, I would move out and give them a month or two away from me. Those are my parents, and only one of them might be in a mood to guilt me for not "helping out." There may be parents out there where this might be a workable situation, however, I think it is important for children to grow into adults who are sent out by their parents to make their own lives independent of their parents'.

[@tkbreen1381]

@@user-mv9tt4st9k for sure, I think everything else they said was correct. They reacted like he said he was 32 lol

[@nickruscigno3633]

Mom, the meatloaf!

[@johncameron4194]

Why are you defending Dave to every comment?

[@tkbreen1381]

@@johncameron4194 I’m dave

[@stud6414]

Dave is such a neoliberal boomer; why is it weird that a 22 year old lives at home with his father? Families should help each other. Young people should stay home and save money. Dave should STOP calling himself a Christian.

[@debmacie1612]

I so agree with you. There is such a thing as being cruel, and Dave can certainly be such. I agree with him about the parent, but not about kids living at home if they need to.

[@andrew8168]

Families used to live 3-4 generations in one house. Thats when society was much more successful. The government wants to be the head-of-household and can't be that when families live together.

[@debragiovine9797]

Maybe this guy is living at home with his Dad.. to save money and put down a House payment HE IS only 22 years old.. "" ?? BUT Dave lives in his Villages""" and no where else'''!!

[@Dare2Soar1]

this time Dave Ramsey very wrong. I hope he reads some of these comments here lol!

[@ricana1160]

Only in America parents force their kids to move out. I’m from the Caribbean, we move out when we are married or when we are able to buy our own.

[@Dare2Soar1]

Same from where I came from. I let me kids stay as long as they want. Once they get married, they have to move out. Otherwise they can stay and leave whenever.

[@madisonhruschka3718]

Unfortunately, most young people are not looking for marriage and are simply using it as a way to have more disposable income/comfort. If 100% of the rent money was going to saving for a home or paying down debt, that would be different. Most people are not doing that. I don't think children should be forced to move out either so long as they are contributing to the household and being respectful, but in America the dynamic is not usually healthy.

[@desimotto9725]

I love the Ramsey show ! However, don’t take the moving out of the house advice. If your family is okay with it, stay there until you get a good savings and stability. You can help out and put money toward the bills until you get your own. You will still be successful! In the mean time, be a good steward with your finances

[@DonIsadick-mf3gv]

What about timeshares,? Dave can help with that.

[@martinvho]

If you really want to help your dad because he can't manage on his own anymore, or ever, then YOU buy a house IN YOUR NAME and have him move in and pay YOU rent, but ONLY if you can manage living with him as YOUR renter, and this SOLELY depends on how you and your dad are getting along and WILL BE getting along when the table has flipped, because HE won't be able to tell YOU anything anymore, YOU will tell HIM what to do and how to behave. This for most parent child relationships is a difficult thing to do, but it is the right thing to do if you love your parent(s). He/they get a room in YOUR house and get to spend the end of his/their days in relative comfort surrounded by (a) loved one(s), and when they pass, the house is still yours. YOU DO NOT CO-SIGN. EVER! WITH ANYONE! Not even when you get MARRIED! The house is on the name if the one that can pay the morgage on their own so that IF you ever split up, the house doesn't have to be sold. The threat of having to sell the house and both ending up with nothing keeps people together for longer than they should if the marriage goes sour.

[@9liveslisa]

The father wants his son to make life easier for him. He'll be taking care of him the rest of his life if he doesn't cut the family strings.

[@littlesongbird1]

Yep. My mom financially abused us when we were kids and as we grew into young adults we cut her off. She still tries to guilt us and even whines that we don't give her $ (for example she complained that my sister should just take the whole family on vacation meaning like not just my sister's kid and husband but my dad, step mom, my mom half siblings and me). I was like, Mom, get a job and take yourself on vacation.

[@Dare2Soar1]

@@littlesongbird1 what is financially abused?

[@littlesongbird1]

@@Dare2Soar1 She would guilt us into giving her money or flat out steal it and would spend the child support willy nilly

[@clarice4426]

It's good to see a lot of people here disagreeing with the" you need to move out of your parent's house". These days, with skyrocketing rent prices, what young kid can really affird to? Also , in other cultures its.not a big thing if family members live in the same household as adults.

[@noraazzi4673]

Let's keep in mind this kid is making $86k a year and his father is somewhat toxic. It's a bad situation so the kid needs to move out.

[@Dare2Soar1]

@@noraazzi4673 just because he is asking help makes the father toxic?

[@noraazzi4673]

@@Dare2Soar1 he is asking his son for help with a purchase he has no business doing. Given the amount of guilt the son is experiencing, there is more to this story. It does not seem squeaky clean.

[@Lon1001]

@@Dare2Soar1 asking your grown kids that live at home to buy their own food or chip in for groceries and some of the utilities is one thing, getting them to co-sign on a mortgage is abusive. The role of a parent is to raise your kids to be self-sufficient so they can raise their kids to be self sufficient not so you can be a dependent of your offspring.

[@eegernades]

​@@noraazzi4673or, they could talk. Kid says his father aint toxic and even said his dither would most likely not hold it over him.

[@suplol4893]

Wtf is wrong with living with your partners at 22 that’s probably an American thing

[@kayn2756]

This kid doesn't need to move out of his parents house. He isn't engaged to be married. Life is too expensive. He should be in no hurry to move

[@sashalawrence4786]

Dave is of a certain generation and has blind spots and seems shortsighted or insensitive to how hard it is today. He has an enormous ego too that serves as his lens through which he sees things .

[@joeriveracomedy]

At 22 I was working for nissan and chasing valley chicks. My parents' finances were far from my mind.

[@MrTmenzo]

Chasing rear whoo!! Love it!

[@JoeP-nr7im]

And? This guy is more mature than that. I moved out at 18 and it was the stupidest financial decision I ever made.

[@kallistoindrani5689]

"Why are you living with your dad?" Probably because he's 22.... It seems to me that a lot of Americans are weird about this. As if any 22 year old can buy a house on their own. Maybe it is different in America because the paychecks they get per month are super high but then again, everything else also costs so much more.

[@casualpeen]

I am 26 and my mom and I rent an apartment together. mostly becUse my dad kicked both of us out few years back and I dont really trust to live with anyone else and we have both been able to save up a great deal of money.

[@Zimba331]

Right, well said. Come on now Dave

[@jasonleatherwood2172]

86000 wont buy a house

[@jasonleatherwood2172]

If thats pre tax pre insurance etc small houses in my area are 4000$ a month on a 30 year

[@christinebutler7630]

It's a cultural thing, we usually expect people to leave home and live on their own as close to 18 as they are able. This guy is not in school full time and working part time, he's making quite a good salary. It's time he lived on his own and starting working toward owning a house.

[@carterwgtx]

Dave is wrong here - if you want to live at home that’s fine. Nothing wrong with banking savings and investments as long as everybody is ok with the situation. 86k won’t even get you approved for a median home price in most cities

[@rebeccalindley153]

Living at home with your parents as an adult when you don't have to is a sign of infantile behavior. You're supposed to have grownup aspirations when an adult.

[@SNGS7]

@@rebeccalindley153no. It's called being smart

[@madisonhruschka3718]

@@SNGS7 No. Most of the people I have met that still live at home clearly are not as matured. There is usually something else there. I lived at home with my parents into my mid-twenties. It was extremely toxic for me and that seems to be the rule rather than the exception. MOST young people living at home are not doing better.

[@rebeccalindley153]

@@SNGS7 No, it is called not being an adult. Kids need to live at home with mommy and daddy. Adults need to live in another house, and of course stay close to the family. Anyone making $89,000 a year can afford an apartment. And as Madison has stated, we all know adults who have lived with their parents, and it isn't a healthy relationship. Young adults, going to college or getting established in a career would be the exception.

[@SNGS7]

@@rebeccalindley153 why afford an apartment when you can save for 3 years and buy a house in cash.

[@mariaceja3190]

There is nothing wrong with leaving with your parents. Especially how things are looking with the economy! I'm 29 and still with my family, saving and contributing.

[@user-mv9tt4st9k]

Adult children living at home was not the issue. The issue was the dad asking the son to co-sign a home loan. When the son declines, living at home might become a bit testy. IF the dad/parents continue to lean on him to co-sign a home loan after he says "No," THEN it is time for the son to move out and live his own life.

[@jlava1575]

​@@user-mv9tt4st9knah Dave heard he made 86k and immediately asked why he's living at home when he's making 86k. It was very condescending. It's almost like he is oblivious to how expensive housing has gotten.

[@ruthirwin8222]

My house was always open to my adult children, when they visit or need to stay eg a problem with their houses i love having them but i know they will go home again

[@burner2235]

He’s only 22 what a weird criticism

[@oliviafox6745]

I believe Dave wants young folks to become independent, hence the suggestion to move out, especially as the guy was making a good living. Even if the rents are high now there are ways to figure it out. Staying home after a certain point just delays the inevitable struggles. A person is more flexible at 22 than 30. So if you need five roommates to make rent at first, it's easier at 22.

[@cinnamoninit6028]

Why is it out of the question for a whole butt 22 year old man making 86K to start paying his own bills and living on his own? Lemme tell ya, no woman worth her salt is going to find a man living with mom and pops as someone to start a life and family with.

[@owenson7969]

Not necessarily the case. 22 is still very young. I lived with my mom till I married my wife then we moved in together into our own place. I just turned 24 and my wife was 25 at the time. The dating market now isn't like what it used to be because most people understand that living on your own at a young age is almost impossible anywhere in the US right now. Women care more about a man's income and moral values/beliefs, as they should. Especially making 80k+/Year. He will have no problem finding the ladies.

[@aolvaar8792]

Be missing out that 23000 acres, as a wedding homestead.

[@user-mv9tt4st9k]

I would be out as soon as we talked finances and I found out his dad had asked him to buy a house with him. I would rather my husband and I live our OWN lives, thank you.

[@BadMannerKorea]

Because it’s expensive in this current economy? Prob by the worst it’s been in decades. Nothing wrong with saving for two years. The real question is, what do you have against a 24 year old saving at home?

[@M22Research]

With four kids, two of them out and married, and two finishing up college, we’ve semi-jokingly (but not really) said, once you’re able to earn your own living, we’ll start the rent at $50/month and raise it $25/month until it reaches the market rate. (And of course, if you get in a truly urgent situation, you’re always welcome at home.)

[@user-mv9tt4st9k]

Wow... I boomeranged home for a year when I was in my 30s (more emotional than financial need). My rent was set at $200 a month. I bought my own food and had my own phone line put in (this was in the early 1990s).

[@M22Research]

My kids’s scenario would not be a boomerang - that scenario would be graduate from college… and the rent ramps gracefully. If they had an urgent situation we would not charge rent!

[@susanconnolly2013]

Our daughter lived at home, while taking a break from college, but working. When she learned she would paying rent, she moved. She said if she had to pay, she'd rather live with her friends.😅

[@tbone4075]

@@susanconnolly2013good that you set rules for her return. It put responsibility and work ethic for young adults. I bet she moved back home already?

[@Dare2Soar1]

@@susanconnolly2013 friends are not the same as family. Living together with friends is not always peachy lol!

[@peteranon8455]

You have no obligation to sign loans with someone else.

[@genglandoh]

Banks are in the business of loaning money to people. If a bank will not loan someone money for a home it is because the bank thinks they do not have the income to pay the loan back. Ask the bank how large a loan can your father afford. Then try to convince your father to only buy a house that he can afford. If he still wants to buy a larger home explain to him his car payments are the problem and he needs downsize his cars. Please do not help someone (by co signing a loan) to get into a loan that they can't afford.

[@user-mv9tt4st9k]

It may not be a matter of how much a bank will okay for the mortgage. The loan underwriter will look at the lender's income to debt ratio. Dad is 60(?), lives paycheck to paycheck, and has a pricey car payment. Dad will likely need a co-signer for a home loan, and there is wisdom in the son declining to be that co-signer.

[@hennessyandhiphop6765]

I don’t understand why they telling him to move out when he can be saving a bunch of money while living with his parents. 🤦🏾‍♂️ I hope this dude stays as long as he can so he can buy his own house cash instead of listening to these 2 telling him to move out. Thats ridiculous advice. U can buy a house cash after a few years and move your parents in and not have them end up in a nursing home

[@DoctorSmartyPants]

The longer he stays at home, the harder it will be to say no to his father who is pressuring his son to cosign on a mortgage. That is why.

[@jodylarson4697]

So he can have mom and dad living with him until he's 42? Because nursing home isn't the same as independent senior living. And if they need nursing home care, that's not something the son can provide on his own.

[@Dare2Soar1]

@@jodylarson4697 nursing home is a death sentence to the parents. I've seen it and took my mom back home with me.

[@Rohammers]

Dave why did you take the 4% video and article down? Stop being a stubborn old billy goat and instead be humble and admit when you are WRONG.

[@BA83R]

We have got to get over living with your parents. It's part of the familial wealth. In Atlanta making 86k, why should he move out to instead hand a random landlord $15k+ a year just for his own single room apartment.

[@jamaicaninthekitchen4358]

David behaves like he doesnt like children to help their parents 😮😮😮

[@Dare2Soar1]

Maybe not in this case lol

[@tmi4507]

Western culture is interesting how grown men tell other grown men to move out to pay all this extra money to live alone. Reality is if you live with your parents and they’re okay with it, you do you. Who gives a f what society tells you to do. Especially in this god forsaken economy. I lived with my mom for 5 years when I went to college and lemme tell you how much damn money and drama I saved. “You make 86k move out!” Why?

[@eclipse.5295]

This!!!

[@ChrisMFlorida]

How do you get trim living in your childhood bedroom?

[@michaelhutchings6602]

Dave hates the notions of families being in the same household. He prefers if parents become isolated and lonely as they age. Family coming first is against WASP doctrine.

[@tmi4507]

@@ChrisMFlorida If “trim” is worth the cost to you then that’s your choice. I’m simply stating an opinion that I think old men who spread a rhetoric to younger men comes from a non logical place if you have a good relationship with your parents.

[@tmi4507]

@@michaelhutchings6602 Dave just comes from a generation of men being stuck in a certain thinking and fails to adapt or see other possibilities.

[@taurusthebull76]

Having boundaries is very important especially when it comes to family. While they can be very close to you, sometimes (if not most of the time), they can be the very ones who abuse, mistreat, or take advantage of you the most.

[@metaltera86]

This episode was difficult to listen to with Dave constantly interrupting Jade. Thumbs down on this one

[@stephanieharries7746]

I realize Dave Ramsey has a good heart and that he's trying but sometimes like me cuz I can kind of see parts of myself in in him that what he's trying to do is make it simple and that's a good thing yet there's there's nuances and and things like that I mean sometimes people do have mental illnesses that need and far be it for me to try to say how somebody should handle their own family since I'm not in the family there's times that I think Dave Ramsey and his group probably needs to just say Well when he's here if he'd like to call you know me and I can discuss it with him or whatever but he takes the automatically takes the approach that he knows what's going on and sometimes he just doesn't in fact oftentimes he doesn't he can look at the paper and say what might be the case but you don't talk against somebody unless they're in the room that's pretty much final and you never know people can have family history where they need he's overstepping his boundaries

[@videoanytime]

Shocked to hear someone asking, you are 22 and why are you living with your parents

[@ChristoherWGray]

Just do Time Share Exit Team like the Boomer advised everyone to do!

[@iseepandas1]

NEVER take advice from a 40 year old living in his mom’s basement..

[@AlexF-uj9km]

Bro 22 isn’t even old 😂😂 try buying a house at 22 in Cali (LA)

[@Fred1294]

22 is not that old. Why is Dave getting so crazy, maybe he can save alot of money at home and buy a house cash.

[@mluterancik]

I think it's smart to live at home through your 20s if you're single and can save a ton of money. By 30 you need to be out though.

[@ginab.4605]

So his dad wants to buy a house with him so he can mooch off of his son in his financial time of need. That’s messed up.

[@Dare2Soar1]

The son mooched off of him in his financial time of need too.

[@captainkrunch6372]

Cosigner =Fool with a pen.

[@lot2196]

$86k is nice but not exactly extravagant in today's world.

[@hastycontemplation]

At 22 it's great, I wonder what the job is.

[@LastMinuteGuess]

Dave is so obsessed with making people move out of their house. WHY WOULD I WANT TO WASTE MONEY ON RENT instead of paying back my student debt? Isn’t that what you preach Dave? I still help pay bills around my parent’s house. I hate this obsession where he assumes that anyone living with their parents is some kind of bum.

[@mikeshaw4610]

Just tell him no. Remember if you do-sign you are agreeing to pay for the house. Regardless of what he says he has shown he will not have the money.

[@DaveDepilot-KFRG]

his dad has 2 cars on loan living paycheck to paycheck, so he can't afford a house nor a trailer

[@user-mv9tt4st9k]

While so many other comments are about the "shaming of a son living st home," someone got it right. 😂

[@eegernades]

Dave, in the begining, sounded completely out of touch. Even being 22, making 80k, staying at home is a better idea. Financially, than moving out. This year, Dave has been more put of touch than ever.

[@salinero04]

I used to live with my parents until I was 33 (big house). I was sharing the house chores and helping paying the bills. I saved up enough for buying my own flat and paid it in full last year (it took 5 yrs). Thanks to living with my parents I was able to save enough down payment so I would be able to pay off the flat faster. I think it all depends on healthy relationships and interactions with ones parents.

[@SwimSweetie100]

Idk why Dave is so adamant about moving out. Other cultures have 3 generations in the same home. If you have a good relationship with your parents, living with them really isn’t the worst thing in the world. My home life was toxic and I still didn’t have the ability to move out until I was 25.5)3 economy really is that bad

[@carlosmiro4932]

What’s the point of buying a house at 61, especially when you can’t afford it, and in Atlanta no less, when the mortgage May outlive him? The father’s time has long passed.

[@kendrapratt2098]

Love that ‘chopping you down while you’re having a growth spurt’ line!

[@bayareacali]

I live in San Francisco, its expensive. My kids and their families can live with me for as long as they need to save for a home of their own. That's what Mexican parents do just as long as we can all get along. lol. God Bless.

[@tristanrodenhauser5267]

His dad should not put this on him at 22. This guy needs a few years live on his own, his dad needs to clean some stuff up. When his Dad retires then maybe look to have your father move in with you in 5-10 yrs.

[@nickm4662]

What are the cars though??

[@soonermagic24]

Tell your dad thank you for allowing you to get proper footing in life, but to succeed on your plan, you cannot be part of it. At his age, whatever you give him wouldn’t be enough

[@LV-ei1ce]

Promote family mindset . Don’t put money over family it’s fked up that they look at his dad like a drug addict. Imagine if his dad didn’t decide to hsve kids because of car payment

[@b.bernal6151]

It’s a matter of culture. Hispanics have no problem with their kids living at home until they marry. The problem here is the father hasn’t matured. That’s why he needs to move out.

[@johnjayandabackpack644]

In this day and age with rising everything people have to figure other ways to live………..rising rents, food costs, cost of a house, etc……….out of the box thinking

[@Buaastroctyes]

This one pissed me off….ok loving at home isn’t a bad thing if you’re contributing to bills and saving up. The fact that Dave say to have a life smh.

[@lukeharris2622]

✝️

[@djpuplex]

Crabs in a bucket. I love how the caller tried to promote his "mentor" and affiliate marketing.

[@patriciam.909]

Dad cannot afford that house, that's why he wants the son to sign on the dotted line. It's as simple as that.

[@kingmemf4002]

I think she has a better chemistry with Dave than his daughter does.

[@arh1234]

Jade is awesome!

[@BarelyNoticedADD]

The last minute or so is why we no longer talk to my in-laws.

[@CoffeenSpice]

I refuse to believe the phone call quality in the US is this bad 😅

[@jimmymcgill6778]

So what if he's still living with his father? Where are they getting the idea that his son is signing anything?

[@theresahaskew7555]

I want a Dave Ramsey Monopoly/Life game

[@grandmasterchody]

I make 30,000 a yr 25 were the good jobs

[@johncameron4194]

There is nothing wrong with children living with their parents.

[@user-mv9tt4st9k]

Oh goodness... Adult children living at home was not the issue. The issue was the dad asking the son to co-sign a home loan. When the son declines, living at home might become a bit testy. IF the dad/parents continue to lean on him to co-sign a home loan after he says "No," THEN it is time for the son to move out and live his own life.

[@johncameron4194]

I’ve seen him hammer way to many people for living in multi generation families in one house,

[@michaelday6987]

Fraud = Crook? Memo to Trump supporters

[@ajones8008]

parents pass down bad habits to their kids

[@buzzsaw301]

I might disagree with Dave on this one

[@charlesmyers3848]

Move out, buy a house with an "inlaw suite", add an inlaw suite, or build a smaller house for them to rent cheaply and have separate utilities that they pay. But, first, have them get out of their car payments.

[@sw6155]

Damn boomers… Ugh! 😩😡

[@sally1569]

The cohost comes across as rude when she interrupts or talks over Dave. This isn’t her show!

[@jodylarson4697]

Dave interrupts cohosts on his show all the time. I don't see the problem.

[@SNGS7]

Dave is so out of touch lmfaooo

[@dnah02]

Grow your wealth now then when you get married then buy the house.

[@DoctorSmartyPants]

I think you missed it. Caller does not want to buy a house. Caller's father wants him to cosign a mortgage for the father. That's why advice was to move out asap so that the relationship can be better defined and with clearer boundaries. Will be easier for caller to say no to dad after moving out.

[@DianaPrince247]

That young man should buy his own house or rent an apartment of his own . His father is living beyond his means. A $600 car payment is expensive. He can’t afford a mortgage and the young man would be co-signing a mortgage. Don’t do it. Parents manipulating their adult children to use their credit and finances because the parents were irresponsible with their own credit/money is tired. Adult children need to say no to these parents!

[@berta3890]

How do you call Dave

[@sdgirlCook]

I was already married at 20😅

[@DadinWA]

It's ok for adult kids to live at parents house within reason. Parents shouldn't have adult children live at home to help them out financially. If adult kids are trying to build their life, trying to build up savings, and need 6-12 months at home to do it, I'm ok with it as long as terms and conditions are discussed. thanks for sharing.

[@debragiovine9797]

Just a New Episode for Dr Phil McGraw""" here"" this guy is calling into the wrong Show""!! He's need to go on the Dr Phil show"" Dave could do a Referral""