I’m Not Happy About The Decision My Husband Made With His Money

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[@donaldo7656]

He respectfully listened to his spouse give her input, then he did what he thought was best.

[@MissJeneChaos]

its HIS inheritance --- it is not YOURS that is the only thing that is legally separated in a marriage

[@Annakerry-rp3pd]

I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love

[@JameAleen]

My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.

[@Kelvinper514]

wow this awesome I'm 47 and have been looking for ways to be successful, please how??

[@Scott32185]

Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times

[@SarahScotch]

Thanks to Mrs. Elizabeth Regina Nelsen's time in my life, which had a profound impact on me.

[@FraserEden-k9f]

Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.

[@yourfavnurseb9699]

And on top of all of this he still lost a loved one behind receiving this money, let this man do what he wants to do.

[@joshuawilliams6153]

She acts like he gambled it away to something. Please

[@dacokc]

Some people see investing markets as gambling and are terrified of “investing”.

[@GoKU-xx2vg]

​@@dacokcthen they need to educate themselves

[@dacokc]

@ I would agree 100%. For the most part I’m 80% invested in index funds and 20% invested in mutual funds.

[@84zezar]

For all we know he put it all in crypto or all in one stock.. they should of asked on what did he invested it in.

[@christian6911]

​@@dacokc I don't think they see it that way since they both have 401ks

[@Patricia-pp3mr]

Lady grow up and be grateful he invested his inheritance. Wife sounds immature.

[@nickm4662]

She just wanted the peace of mind of a paid off house. That’s exactly what Dave teaches.

[@terriesmith2616]

@@nickm4662 Then use her own inheritance money to pay down the mortgage. Don't force someone else to do what you want.

[@davidbrayshaw3529]

@@nickm4662 No, she wanted a piece of a paid off house in a divorce. She's not entitled to the inheritance otherwise.

[@logica1167]

@@nickm4662 That's a half-baked, badly thought-out emotional decision but a REALLY financially unwise one given the amount of money. She needs to provide sufficient data points to show how this is a financially viable option but lacks even the minimal math needed to support her view on ROI over time. Financial illiteracy in this country is widespread, listen to Ramsay!

[@mjaybee]

She’ll want the money in her divorce settlement, but doesn’t seem to realize it’s not community property if they split up.

[@grit1679]

I feel like the subtext is: I'm planning to divorce him and paying off the mortgage would have benefited me, but he didn't do it, so now I'm upset.

[@MagicKnight00001]

Exactly. If I get any inheritance, it is going into an investment account in only my name. Inheritance is not shared assets (in California).

[@2k3SteedaGT]

She said the new investment account was in both of their names, so she’s entitled to half the money in the case of a divorce.

[@IrishMexican]

@@MagicKnight00001That’s not true. The default is separate assets. Then enters commingling risks. Where did you hear this?

[@IrishMexican]

Sheesh. Ever heard of a cognitive distortion called jumping to conclusions? Or catastrophizing?

[@jellybean3144]

I don't think so. I think she's focused on getting rid of their biggest piece of debt, especially since she's already making 2 extra mortgage payments per year. Although it came from a tragedy, that money was an opportunity to help get that mortgage paid off, possibly by the time he's ready to retire, so retirement funds aren't being spent on that. My house is paid off, and that's a feeling that I can't even describe. I couldn't imagine paying a mortgage at her age, or retirement age.

[@Synopog]

Husband is in the right. She needs to chill and be grateful

[@Intense_Friction]

Exactly. Has she ever heard of a bull market? We are in a prime investing season one that happens every 10 years.

[@lombardo141]

Risk of debt. What if they lose the ability to have an income to pay off the debt ?

[@alexm260]

@@lombardo141Then they will have to sell some assets, duh.

[@nerdygiant7805]

Especially depending on how low the mortgage rate is. If it's low enough, he's better off just investing it because he'd be getting a higher return per year.

[@Run4Ever77]

​@@alexm260And if the assets are down 50% at that time? Oops.

[@Macarthurmaintenance]

It’s not a marriage issue. If you have a low mortgage rate, your husband is 1000% correct to invest it (assuming it’s in mutual funds). He sounds like he knows what he’s doing with money. If you DONT know what you’re doing with money, you’d use the money to pay off a house that has a low interest rate. He protected you from you.

[@MarkYeung1]

The husband is wise.

[@stud6414]

The husband is right.

[@289Mustang67]

But she has a point. It's not the ideal to reach your retirement age owing money on a mortgage. I'm not saying investing is the wrong decision, but there are people who owe money on a mortgage later in life who are in a bind.

[@mhodge0890]

@289Mustang67 well first of all their not struggling to pay the mortgage. There’s no wrong answer here. She should listen to her husband

[@axt2]

@@289Mustang67 there's literally not enough information to know which is the better financial decision. They didn't bother to ask what the mortgage rate is, if it's fixed/variable, and how much equity they have on the property. I find it absolutely shocking they're giving financial advice without knowing these things.

[@mgy401]

Depends on the rates. If they got their mortgage 5 years ago at a 2.5% rate, and he can get 3 or 4 or 5% on investing-I wouldn’t take out a new loan to indulge that kind of scheme; but I wouldn’t necessarily hasten to pay it off if I fell into that kind of money, either.

[@bun-n-cheese1290]

​@@289Mustang67 she's not right. I guarantee they got a mortgage years ago with a below 4 percent rate. 140K making 8% is better than paying off half the mortgage. They can easily use the interest gained in the next 10 years to to payoff the rest and still have a bunch in that account. He made the right choice. She is short sighted

[@Shortballa11]

You can do almost everything right financially as a husband and still have your wife resent you. This is insane

[@JP-uy9kq]

I hope young men are really listening and processing. Their little cupcake will be no different after they say "I do".

[@terriesmith2616]

She's mad because she wanted half of his inheritance money. If the money goes towards the house then she'll get half of his inheritance. If he invested it in his name only, since it's his inheritance money, she can't touch it. That's why she's mad. She's greedy and wanted that money.

[@lizamarie3472]

​@terriesmith2616 she stated that the money was invested into an account with both of their names so your theory is not correct.

[@FlutterSwag]

@@terriesmith2616 she'd still get half of his investments in the event of a divorce

[@terriesmith2616]

@@lizamarie3472 I said "IF" he invested it in his name only. Not that he "DID" invested it in his name only. Learn how to read properly.

[@JustinCase780]

"Basically, my husband inherited some money" Keep repeating this and maybe it will stick.

[@Kroh13]

Except he is married and by law it’s half hers

[@pland3845]

@Kroh13 HE inherited the money, not her. If she had inherited money, it would be hers to do with as she pleased!

[@tracyaf6084]

@@Kroh13not in my state. Inheritance is not community property unless you mix it with your marital accounts/assets.

[@terriesmith2616]

@@Kroh13 Inheritance is not community property. She has no right to touch it if he doesn't mingle it with married property/assets.

[@themick6586]

Only if he mingles it with her money, buy putting it on the mortage

[@AccidentalCarnivore-ul3kg]

Based on the way she’s talking…she wants to take the lead. It’s his inheritance. 🤦🏾

[@ronnie5329]

Cant make her happy, if he did what she wanted she would have lost attraktion because she managed to control him. Good on him for not allowing himself to be controlled

[@matthewgardner2144]

And the way she continues to babble in an attempt to get the hosts see her "side".

[@talyahr3302]

Listen, I wouldve preferred to pay off a mortgage as well. But, it's his inheritance. Its also not the worst idea to invest it.

[@Boris5Z]

That inheritance is his hedge against divorce if he keeps it in a separate account. If he uses it to pay off the mortgage, the wifey would be entitled to a half if she decides to go. Smart move!

[@Run4Ever77]

Nice theory, but not the case. She said the inheritance was put in a joint account.

[@saelaird]

He's older, earns more, has a bigger 401k and he got the inheritance. Seems like he gets to decide what he does... If you want to make all your own decisions, get a dog and fund your own place entirely. She owns half his stuff anyway, legally speaking. Investing his inheritance in a joint account is rather generous let's face it.

[@CurieBohr]

Yup. If he left it sitting in a trust, she would be entitled to exactly $0

[@alexgreen6678]

And he’s the man of the house

[@GPG0000]

She wanted to change that separate money into martial property! 😂😂😂😂

[@maryfields1382]

@@GPG0000 depending on where they live, and/or how it's used , it could be marital property.

[@GPG0000]

@maryfields1382 most states consider inheritance separate property. It becomes marital property only if it gets "co-mingled" with spouse's assets or jointly owned assets. If he put the money into a jointly owned investment account then it's now marital property. If it's only in his own account it's his separate property. I can't think of any state where inheritance is "community property". There's a reason the in-law who left the money left it to only their son / grandson / nephew / brother / cousin and not son + wife/ grandson + wife / nephew + wife/ brother + wife / cousin + wife etc

[@JustinCase780]

When you can't communicate with your spouse call into this show and try to throw them under the bus.

[@CurieBohr]

“He didn’t do what I wanted with his inheritance” hmmpphhh “he made a good choice, but not the one I wanted” hmmpphhhh “waaaa”

[@Hurtzilla]

Ikr. I don't know if the husband is safe!

[@Tehui1974]

LOL

[@juliestevens0426]

@@CurieBohr she wants the house paid off because that her security. Too much can happen with investments. They could have cut their mortgage almost in half and saved the interest. She feels safer having their house paid off before the husband retires

[@CurieBohr]

@@juliestevens0426 imagine telling a grieving husband what to do with his inheritance after he already made an amazing unselfish decision that benefits his family. Wild.

[@dialac1]

Women are amazing. Imagine if a man made this call, how would he sound?

[@bard184]

Such an underrated comment.

[@terriesmith2616]

Bingo!! 🎯🎯🎯

[@SheLoveSports]

No, she sounds that way, too!

[@Hurtzilla]

John would say that his wife doesn't feel safe lol

[@SubutaiKai]

😂😂😂 John is so annoying, it's all about emotions for him​@@Hurtzilla

[@mspino5245]

It is HIS money, and he made a good decision. Good for him.

[@Kroh13]

If your married it’s not just his money

[@krogdog]

Not in Massachusetts, this falls under what’s known as “marital property”. Funds acquired during the marriage, including inheritance, legally belong to both parties. But this concept varies by state.

[@lombardo141]

Depends on where he invested it.

[@donaldreason5664]

Breason All monies are our money when you're married... That's what marriage is about.. ❤

[@roberteltze4850]

A lot of places inheritance is the exception to communal property. It belongs to the person that received it until it's commingled

[@FrankS111]

Funny it’s only a “relationship issue” when the husband makes a decision that opposes with wife’s but never the other way around 🤔 Especially when it was HIS inheritance. He heard her opinion and disagreed. End of story.

[@tinmanslickgreasy999]

Exactly!!!!

[@pongmolina2157]

Both are right, neither decision is gonna negatively effect them.

[@charmtantra]

How she can decide ABT his inheritance

[@abebe5017]

​@charmtantra Because when you're married, it's not 'hers' or 'his' money. It's their money. If you don't like that, don't get married. You're not a partnership if you don't have equal say on what happens to money that comes into your shared household. This is when marriages fail, when there isn't equity between the couple. The comment is correct. They just need to have better quality conversations as a couple to understand each of their respective viewpoints. Neither are wrong.

[@tcgtpl]

Caller should just let it go. Be happy that a wise financial decision was made with the money. She's just pissy that she didn't get her way. I'm sure she'll stew on this forever & bring it up whenever there's another argument to sh!t all over her husband. Poor guy.

[@alphaj9]

🎯

[@Primitive_Code]

The way she worded it husband sounded cocky. He asks for her opinion and doesn't consider it, could explain why investing is better for his age.

[@MrTmenzo]

Agreed, he didn't blow it on a new car or something else.

[@roberteltze4850]

​@@Primitive_Codejust because he didn't follow her advice doesn't mean he didn't consider it. He listened to what she had to say but ultimately decided investing was better. I agree with him, investing has a better rate of return. The baby steps are for people without financial discipline but they aren't the best for those that know when and how to use debt as a tool.

[@bradleypowers3580]

@@Primitive_Codeeven worse, she did consider the option and even agreed to it. Sounds like she was just passive about it

[@3Augustin3]

It’s his money and investments are better

[@geo865833]

Slava Ukraini!

[@arunshukla5664]

If she gets 150k in inheritance, she can use it to pay down the mortgage.

[@dnah02]

Exactly

[@terriesmith2616]

@@arunshukla5664 But she won't. She'll most likely keep that inheritance money separate from him so he can't touch it. When it comes to money, most women, will choose money over everything else.

[@mojojojo8213]

I doubt she would

[@Run4Ever77]

I bet he won't agree.

[@matthewgardner2144]

You have to love the way she refers his inheritance as "our" money. And it's "her" house.

[@zvmZvm0102]

Why is it that in a relationship the guy's money is always "our money" but the girl's money is always "her money"?

[@Psuedo-Nim]

because modern feminism has turned a lot of women into ruthless exploitive hypocritical selfish gold diggers

[@DieselMcBadass1]

Husband made the right call. With his inheritance. Don't be mad the he made a better decision with his money.

[@FrankS111]

“We” started calling it our money. No…SHE started calling it our money.

[@zvmZvm0102]

When it is the guy's money it is "our" money, but when it is the girl's money it is "her" money. This is exactly why men don't want to get married anymore.

[@pvtbuddie]

@@zvmZvm0102 : That habit probably comes from income vs egg money. Household money came from the income, managed as a whole by the husband, then managed in part by the wife, and when not farm money, entirely earned by him, except for whatever money she got from her chicken eggs, butter making, or other small business. Unless it was desperately needed, and even then a husband would typically try to refuse it, that money was extra, for the wife to do whatever she wanted to.

[@PoyTroy]

Ding ding ding. This guy gets it

[@katiejon17]

This was wild to me. Most things in my marriage are “ours”, including our income and debt. But when my husband’s brother gifts him a few hundred dollars (don’t ask, it’s just what he does), it’s not “our” money - it’s just my husbands’. When I sole my home, that I had owned for years prior to even meeting my husband, he didn’t even once mention “our” profits from the home sale. I did use most of the profits to lay down our combined debt, but he never once acted like it was his. This woman sounds entitled.

[@allenmorgan4309]

$140,000 at 7% for 8 years would be $240,546.00. Plus the amount the mortgage would be paid down over 8 years they could pay off the house in 8 years and still have more than their original investment. The husband is correct and the wife is being bothered because doesn't understand how money works. She is just wanting to blindly follow the baby steps.

[@alanj9978]

Taxes are a thing, so not quite. And markets do go down as well as up.

[@lombardo141]

Yeah like market never goes down. What if they lose their jobs ? Did your math account for that ? 🤷‍♂️

[@alexm260]

@@lombardo141Then they could get new jobs and use their emergency fund and finally sell some of their brokerage assets if they had to. They are far more likely to end up with more money by investing than paying down their mortgage.

[@nebelung1]

8 years is too short to use an average like 7%, the stock market is very unpredictable and could easily be down 25% or hell if it goes real bad it could even go down 50% in that period of time. But other than that, I agree.

[@alexm260]

​@@nebelung1 On an 8 year basis the SP500 is positive over 90% of the time. Just for some perspective.

[@tracybrovan3997]

It's HIS money.

[@Kroh13]

Not even close to correct

[@dnah02]

His money his choice lol

[@bradleypowers3580]

While legally speaking true, at least until he put it in their name so it’s now their money, it’s also a terrible way to look at it. And probably a microcosm of the mentality people have on marriage which is why we have 50% divorce rates. Too selfish and me me me. I don’t agree with the caller and in this instance, she’s the selfish one. But no money should be seen as “his” or “her” money in a successful, healthy marriage. All that said, she is in the wrong. If he was just blowing it on sports cars, she’d have a point. Even if legally speaking he’s in the right, from a marriage standpoint that shouldn’t be how decisions are made.

[@thebullgator]

It’s definitely HIS decision with their inheritance.

[@markchapmon8670]

My wife got an inheritance and several years after she received it, she wanted do something with it that I would rather she not do. I still told her, it was hers to do with as she felt led to. I choose my wife over our bank account every time. God has blessed us. We aren't rich monetarily, and that's okay, we have each other and are happy.

[@CurieBohr]

He, he received an inheritance, he didn’t buy a sports car or swimming pool. He invested it. I don’t see any reason to resent him. None!

[@rodneydenlinger8890]

Except for the fact He didn't do it HER way. That's the problem with most marriages! Do it her way or deal with her wrath.

[@mattyice1344]

Mind you in BOTH their NAMES!! Shes a putz.

[@commonenglishmistakes4360]

@@rodneydenlinger8890 it's basically the female equivalent of domestic abuse - the manipulation of everything so she always gets her own way and the man has none of his needs met.

[@mumejpatel7390]

​@@rodneydenlinger8890yess listen to them or else it's a marriage problem why can't she make peace with it why can't she agree on it it's not her money or his earned money why can't she be happy.

[@rodneydenlinger8890]

@@mumejpatel7390 she can't be happy because that would require peace. Women thrive on turmoil!

[@willelliott5052]

Call the wambulance. It is more his decision, and he is acting wisely and responsibly. Give me a break.

[@blingman78]

Investing $140K with 8% return vs paying a mortgage at 3% interest is a no brainer.

[@MattyVice]

Did she say the rate is at 3% ?

[@lonestarrk9308]

@@MattyVice She did not, but given their age it’s a good bet they refinanced when interest rates were sub 3% in 2020-2021. I know because I closed on 500+ refinances in that time frame.

[@jayman3575]

​@lonestarrk9308 if you refinance does it change the annual property tax on your home based upon its current appraised value?

[@generalsaurkraut3227]

Totally agree if that is their rate. Even if it isn’t their rate modern returns are like 15-20% annually.

[@lonestarrk9308]

@ I’ll start by saying this is not financial advice. Do your own research. But from what I know, In most areas, a refinance will not trigger a reassessment. Assessments are done at different times depending on your location. Common schedules are annually, 2-3 years, 5-10 years. It all depends on where the home is.

[@brooms4142]

I’d be retiring or working less in 5 years, curious to know how best people split their pay, how much of it goes into savings, spendings, and investments. I earn around $250k per year but nothing significant to show for it yet.

[@valentinaarrelaro]

money advice is subjective, what works for you may not work for me. I would suggest getting rid of any unnecessary purchases, especially things that cost you monthly, or better still consider advisory services for better financial planning

[@heatherholdings]

I'm quite lucky exposed to ''personal finance'' early. Started full time job at 19, purchased first home 28. Going forward, got laid off 36 amid covid-outbreak and at once consulted an advisor. As of today, I'm just about 10% shy of $1m after 100s of thousands invested.

[@heatherholdings]

Can't divulge much here, I take guidance from a Pennsylvania-based advisor 'Karen Lynne Chess' and most likely, the internet is where to find her basic info, simply do your research.

[@Johnny-se8hk]

thanks for putting this out, curiously copied and pasted Sophia Verdekal O'neal on the web, spotted her consulting page and was able to schedule a call session, no sweat! she seems highly professional from her resumé

[@Ryan_DeWitt]

Well, it's not the Ramsey way necessarily, but at the same time it isn't a bad decision. It's not like he spent it on a sports car or something.

[@axt2]

With the amount of money they have they would be absolute idiots to take Ramsey's advice. They need to focus on wealth generation rather than extreme debt avoidance.

[@lonestarrk9308]

If the inheritance would have been enough to pay off the house, I would agree with her a little more. I wish they would have disclosed the interest rate on the mortgage and how much equity they have in the house.

[@nicokl5593]

This is exactly where the issue really lies. From her point of view ( my guess is she is watching a lot of Dave videos) where he tells people to pay off their mortgage when that isn’t really the best idea for building wealth. Especially if they have a low mortgage rate. Maybe that is good advice for people that have trouble with staying out of debt but it’s not the smartest investment strategy. Every comment section goes straight to the gender war bs that is currently being pushed by charlatans and assets. This call isn’t that, she is being influenced by this Ramsey strategy of paying off the mortgage, the husband is correct to put it elsewhere.

[@mathematician1234]

Actually, I wonder whether he _did_ buy a sports car. The hosts asked how big the inheritance was. She gave a weasel-words answer: the amount that ended up being invested was $140,000. I wonder if he inherited $200,000 and bought a $60,000 car.

[@UTBanjo]

@@mathematician1234 Even if he did, it was his inheritance.

[@kyungshim6483]

If the rate on the mortgage is crazy low like it is for some of my friends, and their household income is more than sufficient to cover all their expenses, then the husband is not in the wrong here. The investments likely will grow faster than the rate on the mortgage.

[@terriesmith2616]

She's mad he didn't use his inheritance money to pay down their mortgage because she owns half of their house. If he invested his inheritance money into an account with only his name on it, then she can't touch it. If the money goes towards the house, if she divorces him, she can get half of that money. This is why she's mad.

[@JustinCase780]

Her brunch friends spelled this out for her after they discussed it and now she be freaking out. 😂

[@zvmZvm0102]

Exactly. Women expect men to share everything, but women don't have to.

[@fitandequipped]

wellll the account he opened is in both of their names

[@14elvira14]

​@@fitandequipped yes, investment is in both their names...

[@GPG0000]

Yes. She feels entitled to his inheritance and angry that he didn't put his separate money into martial property. If/when she gets an inheritance she can pay down her mortgage. If she resents this, it's a huge red flag.

[@4everwonderful]

In hesitance is not marital property. The money belongs to him

If it’s his money then it’s his choice. Keep most accounts separate for a healthy marriage. It helps prevent arguments. You marry a person, not a bank account.

[@RichardLeo-mf3zb]

Anything before marriage should be separate but commingle funds after marriage. Inheritances should be with the person that got the money, man or woman.

[@mationinfo]

A person is an it not a living being. He married a woman and she married a man.

[@darex0827]

He shouldn't have put her name on the inheritance fund. It should have be kept separate.

[@Patricia-pp3mr]

Make me wonder if in a year or two she will want out of her marriage. Take him to the cleaners and half the inheritance. She sounds like the type.

[@s.ivainesu]

@@Patricia-pp3mr projecting your issues onto others

[@ajcan89]

@@Patricia-pp3mrI feel the same way. Sounds like she wants to leave him

[@doublepromo8240]

That would’ve created an even bigger issue with the wife. I do understand what you’re saying, not to comingle assets. I’m wondering if that $140,000 is after any type of inheritance tax. Otherwise, most of the money would’ve gone to taxes so it may have been smarter to invest the $140,000 instead of the after tax amount putting it towards the mortgage.

[@cutehumor]

when I leave money to my kids, I'm going to make it clear to daughter in laws and son in laws, it's NOT THEIR MONEY.

[@CurieBohr]

It won’t matter. The second it becomes community money, it gets cut in half during divorce.

[@seadragon1456]

Once you die, it’s not yours anymore. 👀

[@leabeauty837]

Your word, or even that in writing won’t mean a thing if they are married.. and if you’re old enough to have children, you should be old enough to know this.

[@CurieBohr]

@@silentnot4812 and how exactly do you do that in a marriage, outside of a trust? In a trust it can never be touched.

[@Kroh13]

You have zero concept on what a real marriage is then

[@midwifeohyeah22]

She’s freaking out over the fact she couldn’t do it herself but it was his inheritance and they are doing great otherwise !! He made a wise choice….

[@commonenglishmistakes4360]

Inheritance IS HIS money. And it's not like he's spending on a good time. He's looking after his family by this decision. It's looks like most of you agree with me.

[@daleweiss9507]

Inheritance will stay "his'' money if invests it, if he pays down the mortgage it becomes her money. I learned this the hard way.

[@jessicabender1301]

This lady is mad she couldn't control him. He did the right thing.

[@kingsgold]

seems she wants to follow the baby steps and work on paying the house off sooner rather than later, but since it was his inheritance vs a combined windfall like a settlement money... she was hoping he would be on board with her paying off the house next so they have a fully paid off house. but seems he sees his urgency for money for a retirement money a little more than the need to pay off the house. either way, they are good financial position with no debt other the house. sooo.. most of it is in her head thinking he messed up by not paying off the house sooner.

[@faylinameir]

He got money because a family member died and he made a smart financial decision. The math makes more sense his way vs her way.

[@KatrinaRoseT]

My husband inherited some money, I didn’t ask him how he wanted to spend it, I didn’t suggest how to spend or invest it. Urging someone to argue with their spouse over money said spouse has inherited is just gross.

[@Fred2-123]

Unless they pay off the mortgage completely, they should not pay extra on it. If TSHIF and you cannot make the monthly payment, the bank will foreclose and you will lose EVERYTHING, they won't give you back any of the extra principal you paid.

[@dirtfarmer7070]

I disagree, anything you take off the principal, pays big dividends further down the road.

[@johndanley4534]

Follow the baby steps. Pay off the mortgage before you start investing. Love the way Dave responds to these. Would you borrow on your house to invest? Same result. Already done, so don't undo it. Got it.

[@djpuplex]

"In his we have... In mine I have" did you guys catch that. It's his money. She can't get that." We can do more so I". Amazing when you listen to what they say and how they say it.

[@JustinCase780]

Words speak volumes. She needs to bone up on how to play the game. 😅

[@terriesmith2616]

@@djpuplex Her money is hers, his money is also hers. That's most women's mentality.

[@eddievangundy4510]

Oh wow. I'm in a re-listen to that. Thank you for the heads up.

[@AbruptAvalanche]

Did I miss the part where she says that? At 2:16 she says "So in his 401k, his retirement account, he has about $450,000. I have about $250,000."

[@Run4Ever77]

​​@@AbruptAvalancheAgreed. I re- listened to it after reading the comment, and it still sounds like "in his account HE has...". It's very clear. Also note the word "has", she doesn't say "have".

[@carolr7823]

It is his money.

[@Kroh13]

The court doesn’t see it that way

[@AlorsonDanseX]

Shut up! 🤡 Professional leech

[@abebe5017]

It isn't. If they're married, it's THEIR money. They again.

[@commonsenseisntcommon1776]

An inheritance is His money…… period

[@Yogastrong908]

He didn’t make a bad decision. And it’s his inheritance. He can do as he chooses. I understand what she’s saying but her resentment is completely unjustified here.

[@AldanaMackean]

I hit $113k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.

[@SolangeMarro]

It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@RyslanDurstova]

It is very encouraging to see Evelyn Vera here, I started with 3k now with good returns.highly recommended..

[@SharmeenHerashchenko]

I am surprised that Evelyn Vera is being mentioned here, I stumbled upon one of her client trading on CNBC news last week..

[@Vanzee-fb2xb]

What impresses me most about Evelyn Vera is how well she explains basic concept of winning before actually letting you use her trade. This goes a long way to ensure winning trades.

[@sandalSanders-vt8ii]

I'm from Georgia how do I go about this? I think I'm interested how can I get in touch with Evelyn Vera. Such information we don't get from most KZbinrs, how do I connect her?

[@Thurgor_Supreme]

I don't understand the mentality of bypassing investing to pay off a low interest loan (probably 3% or less). When you're 59 and a half, are you going to liquidate half of your nest egg to pay off a mortgage that your passive income takes care of anyways?

[@carloscampos5469]

Unless it pays off the house not worth placing it towards the house. The mortgage payment stays the same

[@chiplangowski3298]

It is worth it if you amortize the loan and total interest paid after making the lump sum payment. Paying 50% of the loan balance will take more than 50% off of the total interest paid over the life of the loan. This is the difference between short-term and long-term thinking.

[@timmy1tap678]

HE inherited money and won't do what I tell him to do with it. Just tell me he's wrong plz

[@jomaoliveira7949]

Wife was prepared to take half the money in a divorce if he put it in the mortgage. He was very wise.

[@Justiceone88]

Fishy

[@IandiBoats]

Nobody has entitlement to another person's gift. It is his to decide what to do with it

[@mayorrodgers7446]

It’s called leadership. Good for the husband .

[@kathleenherron594]

He probably invested in his name. The house is in both of their names. She’s not telling the whole story.

[@Inuus]

If he invested in a mutual fund, he made a wise decision. No need to rush to pay off the mortgage.

[@danieljohnson4418]

Inheritance=separate property. His money, his choice. And he made a good choice at that.

[@therealmvp232]

This lady acting like they broke, behind the mortgage and he decided to buy a new truck and go on a shopping spree. Me personally I would have invested half and took a nice long vacation to see more of the world.

[@spinecollector9931]

I would’ve put it towards the house too but that money wasn’t given to her directly. If mom and dad wanted her to have it they would have left it in their will “to son and daughter in law”…. I get their married and it becomes one but she needs to have some grace and follow his lead

[@claybob]

She just wants him to do it her way even if her way sucks. He did the right thing and needs to keep letting her know her place. She can eventually get it or get out.

[@MisterNightfish]

I don't get why she thinks she can be mad. If she had gotten the inheritance, she wouldn't let his opinion overrule hers either, as evidenced by the fact that she won't even let him spend HIS inheritance how he sees fit. And it's not like he was blowing it on sportscars or whatever. He flippin invested it.

[@Fred2-123]

The husband is the leader of the family. He makes the final decisions.

[@dawnr6381]

It’s his inheritance he has the right to do whatever he wants with it. She’s being ridiculous! It’s not like they’re broke and he took the money and lost it all gambling and now they’re homeless.

[@queenbee3647]

These two are pushing this woman right into a divorce. When you think you decide where someone elses money goes, you have a problem.

[@BuiltNutritionFitness]

We’re pulling hairs here on whether you invest it or pay off debt. I was thinking he bought a sports car

[@abrareads]

Right!

[@ownerlandlord4654]

Is this a money management show or a relationship show? Not sure about that conversation with the two hosts. They could have talked about how investing the inheritance money may add to the family wealth and retirement in the future. If they went to a bank, the financial advisor wouldn’t be talking about relationships but the financial advisor would crunch the numbers and nail out a plan with them. Unless I missed something, did the hosts even ask how the husband invested the money? Was it real estate? Did he buy stocks? I felt there were a lot of gaps in this video segment.

[@terryhenderson424]

I would agree with the husband.

[@donnasherwood283]

the inheritance was his and in most states it does not even get factored into any divorce settlement. why is this even an issue Please

[@jamesringler987]

If he put it in the house she gets half in a divorce

[@donnasherwood283]

@@jamesringler987 SAD How this has devolved into this. In the oughts my aunt passed and there was some money around was appalled hearing from one of my cousins's wives that he declared he was spending all on himself and his indulgences. I would not have minded but he did not have the slightest hesitation to eat at the through of Yale university endowments for one of his kids. It apparently did not occur to hm at all to try to offset their generosity for her expenses. He has 3 and she was hoping he would set aside the money for their education. He preferred to rely on other people to take care of his needs. Just another example of the attitudes of altogether too many americans My husband refused to ask for even partial relief in a difficult financial time as he felt he could always find a way and the funds should be allocated to those who really could not manage. If this is just about two of them so be it he is correct if needs of children no one asked him to have factor in he is a jerk.

[@haloimplant7678]

The guy is being prudent, legally and financially, investing the inheritance instead of moving it into a marital asset. That may be why she is so concerned. Personally with pre-exisitng assets and possible inheritance i would have a mortgage on a marital house we can pay it off together

[@Elram_91]

Not even that. The investment account has both of their names. So it technically becomes a marital asset. The wife is just wrong in this case. Bigger issue definitely with her

[@AvalonMisty]

My understanding of the Ramsey plan is to become debt-free. That means the Inheritance would go to pay off the Mortgage. I would like to hear Dave & George's take on this one.

[@plasmaarmelund]

This the perfect example of why you should keep finance separate in marriage. But of course, they will cry "financial abuse!" at some point down the line when they can't access the man's money for their frivolous spending.

[@julieludwig8927]

This was one of the best clips on Ramsey. There was no wrong answer about $140K…..just different strategy. Well done, Ken & Jade.

[@logica1167]

Actually if the wife cannot prove using data points, ROI calculations etc. that her option is superior then the investment option is correct. She caved because hers was an anxiety-based, emotional decision, not well-thought out and unsupportable via formulae.

[@zvmZvm0102]

Having been in a similar situation, depends on the state but typically if you inherit money it is yours (not your spouse's). Once you "categorize" the inheritance as jointly owned (such as paying down your joint mortgage) then it is no longer yours, it belongs to both of you.

[@Vumillionaire]

The question is if she the one receive an inheritance, would she put it towards the mortgage?

[@MeakH1]

She most likely would. Her goal is too get OUT of debt. But with that money she'd be chipping half of the house not chipping completely the house.

[@johncameron4194]

It’s his money

[@HyacinthCleveland]

I know why he did that, if they get a divorce the house is split down the middle, that include his inheritance, if he pay up the house. But this way the inheritance stays his.

[@zoraster3749]

Imagine you make a decision with your inheritance to the benefit of your family and your wife goes to the court of public opinion to air you out… When the wife gets an inheritance from her family then she can put it towards the mortgage. I’d buy a future calendar and put my retirement date on it. Tell her, whatever it looks like dear this is the end of the line for me; let’s reverse engineer it accordingly.

[@Charte11]

Off topic: I seriously love how varied Jade’s looks are while still maintaining professionalism. She looks great in everything! I loved her natural curls and this is my first time seeing her with blonde and it looks amazing too! Not relevant to the call, but wanted to comment on it.

[@TheStevopb]

Inheritance is not community property at least in my state (texas), so it wouldnt be "half" her money.

[@daleweiss9507]

It will be if he pays down the mortgage.

[@Run4Ever77]

She said the inheritance money is now in a joint account.

[@bign1667]

4:50 sums it up perfectly...it's her morgage not his. That's why he doesn't wanna pay her morgage. He's keeping her honest so she can't financially hurt him and his retirement. Because if she sticks around they can retirement together with his money 💰

[@Run4Ever77]

Nope. She said the money was put in a joint account.

[@zerafians8145]

The inheritance was to HIM, so she should have been like "whatever you want to do with the money, its your decision and will accept it." Its her job to have said that. Her thinking she deserves to have an opinion on his families money, its quite ridiculous. If my wife of 14 years got that $140k, I would lightly give her my opinion on some good things she could do with it but in the end I would say "it came from your family and if you dont want to do any of what I suggested, its fine." That being said, my wife has wised up over the last few years with investing so she would probably take my advice.

[@tommartin3045]

In good news, the decision is reversible. If a crisis comes up, or a great reason to pay off most/all of the mortgage comes up, this couple can redeem the investment and use the proceeds for the new purpose.

[@Ruth-i6g9d]

Thank you Jade for finally admitting that it is possible to not follow the baby steps 1000% and not be homeless and bankrupt. I understand you guys have an opinion, but sometimes there is more than one way to skin a cat.

[@poorasslawstudent]

If Ramsey was honest with people he'd admit that marriage is the worst financial move a man can make.

[@NaNa-lt1po]

So, my way or highway?? Bottomline when it comes to women and ramsey

[@ccsmith2937]

On inheritance it’s his choice. He made a good call investing this money. Pay the house off before retiring.

[@buckibanker]

Poor dude, I’m sure this isn’t the only time. I didn’t get my way so I’m mad. He could have pissed it away on a Porsche or fishing cabin. He was smart, they are way behind on retirement unless they have a big pension or something. They do need more investments

[@Cyber_Diva]

I wish that Jade was able to coach this caller much more than she was able to on the relationship (or communication skill) matter at the core of her call.

[@RandomVids519]

But are you safe?😂😂😂

[@JonesyTheFirst69]

First thing John would do 😂 probably make her feel like she's some victim lmao

[@matthewdeanl5884]

Exactly!🎉😂

[@BirdDogey1]

@@JonesyTheFirst69he is such a simp

[@Raegoul]

If my wife and I were having the same conversation the money would go 50/50 because I value what she thinks and I want her to know that.

[@KathleenMcNe]

Sell the wife.

[@4everwonderful]

😂😂

[@logica1167]

🤗😀

[@ST-rj8iu]

OMG. Just do the math. Which has more ROI. The interest rate on investing or reduction in interest paid on home. What is the total? Why is this so hard?

[@chicanoazteca8614]

The people who call in don't usually understand basic math.

[@ballerz1]

She is counting his inherentance as ours and it's not.

[@topsykretts2264]

When they’re married, they’re both one so it is her money too

[@289Mustang67]

Except her name is on the investment account.

[@DougAlesUSA]

@@topsykretts2264legally, you are incorrect. Depending on your religion and belief, you may or may not be correct. Doesn’t matter if you are in a common law or community property state, non-commingled assets are not marital property. Now, put that money into paying off the home, bam, it’s commingled. Look, women wanted this. They fraught for this. The laws are not one way if it’s a man and the opposite if it’s a women.

[@zvmZvm0102]

@@topsykretts2264 Not true with inheritance. It doesn't belong to her at all until he converts it to a joint asset.

[@IMBIue]

Wrong, it's their money because they are married.