Do You Hear How Crazy This Sounds?

[@RJRussoVids]

As soon as I heard "my boyfriend" and "our debt" I knew this was going to be a whopper of a call! 🤦‍♂😂

[@Summerbreeze345]

😂😂😂😂😂😂

[@deirdrekiely6187]

But he WUVS me!!! (Even though he won't put a ring on my finger.)

[@thirdcoast-nx7jx]

Dave would have dropped the "honey" bomb. That's when you KNOW your situation is way sideways!

[@joshuaevans6065]

@@deirdrekiely6187I mean they’re only 22 and 23. Nobody gets married at that age nowadays.

[@TheSoulCrisis]

@@joshuaevans6065It’s unusual to have 8 years with someone at this age as well. 😂 In their particular circumstance marrying young does make more sense. One thing I won’t do is purchase a home with someone who isn’t officially my wife.

[@kellyokinneally3955]

At the 2:15 mark, when she starts explaining to the girl "When you've been doing this as long as we have....there is no OUR or WE...", you could feel the girl's complete paralyzing fear in her silence; She knew they were about to do the ONE thing she was hoping they wouldn't do: Hold her accountable for HER OWN DAMN DEBT.

[@Mtgvixen]

I was so stressed not being married. I had my engagement ring, we got my husband a ring at walmart, I got a nice dress at ross on clearance, and we got married on a Wednesday morning with some flowers from Publix! It was excellent and I feel so much safer moving forward in life. GO GET MARRIED!

[@Cathartic47]

It’s just as easy to get divorced.

[@resaboutb.9566]

@@Cathartic47 Yeah, but at least the legal system is set up for legal unions, not those who are simply living together.

[@ruhhshelle]

​@RastaMon95 lol no it's not. It's a MUCH more arduous process to get divorced.

[@ruhhshelle]

I agree. My husband wasn't a shit head before we got married at ALL. That said, I feel so much more secure being married.

[@prevaloir5362]

Easy to say when you did a McDonald's wedding..

[@linuxsurfer2002]

People are so eager to combine finances before marriage, and so hesitant to combine them after marriage.

[@katemedley3057]

I’m the odd ball. I have wanted to combine bank accounts with me and my husband from the day we got married. Haven’t been able to yet

[@percivalgooglyeyes6178]

22 and has been with her boyfriend for 8 years, since she was 14 and a child.

[@alanj9978]

So was he. It's kind of sweet. If likely doomed.

[@jimmymcgill6778]

SO.

[@christinebutler7630]

Her parents should have married them off at 16.

[@DannyF249]

Husband and I booked an Airbnb, invited special people in our lives (total of 6 guests), my dress was $200, cake was from Publix, flowers were picked from the yard. Total cost of $1500 for everything. Best day ever to marry the love of my life. Because of our money saved, we were able to buy our first house in cash just months after the wedding. We celebrated our 3rd anniversary last October and are welcoming 2024 with ZERO consumer debt, no car payments, no mortgage, fully funded emergency fund, healthy retirement and sinking fund and we love each other more every single day because there is no room for stress. Edit to add: We are both in our 30’s and are in the working class with no generational wealth inherited. Anything is achievable if you’re detemined.

[@aolvaar8792]

In a common law State, just file a tax return as Married.

[@workinonit9562]

Good job, my son did the same thing after they looked at all the costs of a big wedding. Rented an Airbnb lodge and guest house, we made all the food, it was a great time for all, they went on a 3 week honeymoon out west camping /hiking.

[@scoobie8amg]

This is awesome but sometimes I wish people wouldnt villify expensive weddings. We got married this past July. It cost $21.5K. We had 100 guests and made all the money back in gifts. In addition to that, our parents paid for most of it so we actually profited $10K. Just because someone has an expensive wedding doesnt mean they went into debt for it or that they have a less genuine marriage.

[@DannyF249]

@@scoobie8amg I am happy for you and $20k is still below average. That is not expensive at all. However, there was literally nothing mentioned that villifies expensive weddings. My point was that you can get married without having to spend so much (the cost is not an excuse) and it even helps you get ahead in life. But since you opened that up, I do not have the data but I would bet my life that statistically, there are more people who lose money than make money on extravagant weddings.

[@scoobie8amg]

@@DannyF249 Oh for sure. I read 40% of people go into a debt for a wedding.

[@workinonit9562]

I agree 100% with the hosts, young people are just not willing to commit to marriage but get entangled with finances. 8 years either marry or go your separate ways!

[@mariolakaminska1327]

If ladies kept their “cookies” until marriage, we would see an increase of marriages. 😂 I’m saying it as a married woman.

[@jill9606]

@@mariolakaminska1327And does that apply to men as well? Some men weaponize that argument against women, but also want women to be willing to give it up before marriage. Who else will they get to sleep with then?

[@mattthomson3134]

My Mrs and I have been together since 17 and 18. We are 30 now with two kids and still not married. I work 30 hrs per week she works 8. We've got 600k together in equity and 135k in cash. We are a single unit in our eyes... We don't need the legal shit to tell us what we are. If it was a legal requirement to be married to buy property, different story. Two committed young people who are focused on growing together is fine in my eyes.b I plan on proposing next year. I'm stoked that our kids get to be with us on our wedding day.

[@mattthomson3134]

​@@jill9606nobody worth keeping I guess - that's the point he is making, I think? Women are the gatekeepers to sex - men aged 15-30 will insert their cocks into anything that resembles a female. It's up to the female as to whether they want to be a little cum dumpster, or whether they'd like to preserve themself for a man worth keeping.. either is fine, one just looks better 30 years later than the other..

[@TheSoulCrisis]

@@mariolakaminska1327Women would be getting married in their 20s as well. 😂

[@Boringcountrylife]

It's just two people saying "Until someone better comes along, I'll hang out with you."

[@Julian-zc9vm]

“We bought a house and $30k cars together but we can’t afford to get married”. Next they will have children outside of marriage.

[@terricox3559]

Plenty of people have children outside of marriage. Good parents. Before you say it, I'm a married woman with no intention of having children

[@AmandaHugenkiss2915]

It's unfortunate that our young people have become shack up roomies blasting out bastards but a lot of it is the attitudes of modern women and family law that makes marriage a ruinous deal for men. And when she's willing to give you the poon without commitment and play wife without a ring, what's the incentive for the guy?

[@terricox3559]

@@AmandaHugenkiss2915 you are disgusting for so many reasons

[@DanielDuhon]

@@terricox3559that’s never a good idea. That doesn’t mean it NEVER works, but it’s ALWAYS a bad idea.

[@DreamAwayLullaby]

Exactly! Owes $26k on a truck but can’t afford a wedding??

[@thisguy7201]

No, the problem is that you're not married and bought all of this crap together😂😂

[@kenyattaknox5163]

Hannah didn’t like the change of flow. When Rachel asked her boyfriend’s name she got short with her 😂 she said his name really snappy. And George is right, “Joey” is making excuses. I bet “Joey” isn’t even paying on the land deal or the family modular home.

[@charlesg7926]

He’s probably just breeding her, with no financial responsibilities lol. God some women are so foolish

[@Prettymom619]

Haha I noticed that too😂

[@resaboutb.9566]

Not getting married because "we don't have the funds to do it" is a charming-but-lousy excuse. George hit the nail squarely on the head: "You have the funds to get a mortgage but not to get married?" Look, nobody's telling the caller to break up with her charming louse ... just don't mix your finances unless you get hitched. That's all! It's complicated enough if divorce rears its ugly head, but so much worse parting without the support of a legal union. The *moment* caller said, "My boyfriend," I knew where this going!

[@TonyCox1351]

Really no reason for her to get married at 22 anyway. Just wait, get married in a few years…there’s no benefit to rushing into marriage, but the emotionally immaturity of your early 20’s brings a lot of risk

[@madelinehelwig8409]

@@TonyCox1351 How is delaying marriage when you've been in a relationship 8 years "rushing into marriage"? And it still stands if you're getting a mortgage together, it's absurd to not be married.

[@laurenh906]

There is no WE until there is an I DO.

[@deirdrekiely6187]

EXACTLY

[@MsBalanced1]

💯

[@lindaparks4486]

Rachel just deflated Hannah's romantic bubble. Hope she realizes it's for the best. Not questioning the guy's character but it's a reality.

[@Summerbreeze345]

There's not a snowball chance in hell I would buy property with someone that's NOT my husband.

[@aolvaar8792]

??? Joint Tenancy with rights of survivorship, Married or not still Joint Tenancy.

[@SF-bh7rd]

@@aolvaar8792 and how many millionaires say they got there by getting a mortgage with someone who isn't their spouse? ZERO

[@CJ2023Incognito]

😂😂😂

[@SF-bh7rd]

@@aolvaar8792 That's a roommate.

[@joefunk76]

“Not special enough” for the guy??? 😂 She should move on. She’s still young enough to find someone who wouldn’t make up an excuse like that after 8 years together. Sheesh!

[@tonytoni1150]

He’s all she knows. They’ll be together for a while.

[@mikeshaw4610]

Definitely agree, you can go to the court and get married now and have a bigger ceremony later if you want.

[@whitmcghee]

0:20 Rachel with the side eye as soon as the caller said "our debt" 😂

[@alexandraaddi]

same thing i was about to point out 😭😭

[@Astro95Media]

This is a disaster. So many kids wanting to play house with no commitment.

[@gbear34]

Yep, doing a test run never works out. Commit or end the relationship lol

[@jimmymcgill6778]

SO WHAT.

[@elizabethallen4353]

Agree. It's so short sighted. Before I was married I had my own place and my own job. Enjoyed my boyfriends but they never lived with me, we never merged finances. When the breakups happened I was sad but my survival wasn't impacted.

[@rillawhat8142]

"we have to think about the future when we make decisions today"👍🏾

[@mikestephens5346]

Before Hannah even said what their situation was, I knew their living situation was 'modular home'.

[@carlosmiro4932]

First, Joey is using the why buy the cow when I can get the milk for free?” philosophy, which really works well for men. Men don’t usually care about a big wedding because once they get married they’re financially and legally trapped. Second, why do these people call in with my boyfriend/my girlfriend, our debt questions when the Ramsey people have been making it very clear for decades how wrong those financial entanglements are?

[@ilai7893]

Re: Q2, they want to hear that they're the exception and the panel would agree with what they say

[@anishnewton100]

Less than 10% of divorce cases in America involve alimony and most households earn a two person income so I'd say he's just as "financially trapped " as she is 🤷‍♀️

[@dacianbonta2840]

@@anishnewton100 0% =/= 10%

[@cleliaparnell8743]

They do this because it has become acceptable in our society. 😢

[@d.taylor3760]

Ah, today it's equal opportunity: "Why buy a pig when all you want is a little sausage?" Unfortunately, she has her heart set on living on granny's property with the hope that one day she'll be able to buy this particular pig.

[@semosancus5506]

My wife and I got married quietly at a lawyer's office!

[@HYPEREX]

0:33 When they both realize she has a mortgage with her boyfriend

[@makeanddohandmade]

Rachel 😂😂😂😂 killing me softly.

[@krystalsmith849]

I am amazed on how much people spend on weddings. A marriage does not have to cost thousands of dollars. There are ways around it. People are so interested in such a “special day” and get into debt because of it. I have attended great weddings that were reasonably priced when creative ways are spent keeping the cost down. The weddings are getting so bad that the bride and groom actually charge people to attend their wedding, and it is no small amount. It is no wonder that fewer people want to get married because they feel like they have to have a huge one of a kind wedding that is very expensive. It doesn’t have to be that way.

[@anthonydelgiudice3245]

we had a small party , justice of the peace and going on 6 years 4th of july maybe spent $200 for party $50,for justice of peace 😂

[@benjaminhough8804]

I wish these people would be straight and honest, you bought a trailer, not a house. Nothing wrong with a trailer, but it really makes things complicated when you talk about owning a house, but not the land. I’ve seen it on multiple videos where it takes minutes to figure out the confusing situation of a trailer, depreciating, on land that they don’t own.

[@aolvaar8792]

She said "Modular home" not manufactured home.

[@289Mustang67]

It's a modular home. Meaning if the bank forecloses on grandma's land or if it gets sold to somebody else, the home isn't going to be easy or cheap to move.

[@India-rd6wi]

She took the wind out of her sails when she said "Until you are married..."

[@FrankS111]

Bottom line ladies…if a man knows he wants to marry you….he will. If he hasn’t after many years…he doesn’t want to 🤷

[@rnt45t1]

If women were MARRIAGE MATERIAL there wouldn't be a fucking problem, would there?! THEY AREN'T IN THE WEST ANYMORE. They're f*t, lazy, broke, in debt, and ungrateful!

[@AmericanWears]

My uncle was with my aunt for over 10 years before they got married. They have a house, kids, cars, all of that together. I just don’t think either one of them cared about a title and got married because family kept asking 😅 so it does happen.

[@ryanj357]

Not necessarily true. My brother and his fiancé got engaged after dating for 10 years. Marriage is an important decision and for some people depending on where you are in life it’s important not to rush it.

[@1stLtDavis]

Yep. Cuts both ways. Nobody is afraid of getting married if they want to. Actions are the loudest language in the world. You’re not God. You can’t speak things into existence. You gotta DO them.

[@ryankiel4895]

Why buy the cow when you can just milk it free? And he IS milking her...

[@robertthompson5908]

I lived with several girlfriends (serially, not simultaneously!) , but we never combined finances. Then I got married, and my wife and I merged our finances completely, for twenty years, snd then she passed away. Now as a widower, I have a girlfriend of 14 years, no immediate plans to remarry, and our finances are separate. The point being, if you merge your finances when you’re not married, you create a potential legal and financial mess.

[@ykook7000]

If you live together then regardless of marriage you are legally bound! If you don't live together you have nothing to worry about Defacto laws are a thing you know

[@robertthompson5908]

@@ykook7000 Not really. It’s more the opposite, as in if you’re not married then you don’t have the same rights that you would if you are married, e.g. visiting your partner in the hospital if they’re in a coma, things like that. Can you give an example of how living together would make you legally bound?

[@DontAtMe2k24]

So there are people who are together and can’t afford rings/wedding and the idea of making it legal without all the glamour is just forgotten. However this guys excuse is he can’t afford it but has $29,000 in truck debt. Fishy.

[@mikestephens5346]

Bruh, you can't drive a ring...lol

[@tristanrodenhauser5267]

They make great money for their ages, they don’t have loads of debt, could easily pull together a small wedding.

[@bahwickee]

he's stringing you along gurl.

[@Melissa-jp8ps]

If you're not married, you're single. Even Uncle Sam says so

[@rickm6076]

Except in common law marriage states, but they are in Ohio, so yeah. They are single people if they haven’t gotten married of their own accord.

[@aolvaar8792]

Single implies Not divorced or widowed

[@Jmc989]

We as people cause a lot of our own stress.....

[@danilomorales745]

Ladies, if you have been dating a man for about 2 years and he has not proposed marriage, there is a significant chance that marriage won't happen. Hence, do not waste your time...move on. If you find yourselves living together and behaving like a married couple without the commitment, it poses an even bigger problem. The responsibilities of renting a house is way different from owning one. Getting married is not only Godly but also a practical decision. Legal protection are more robust for married couples compared to those who are not.

[@simplyjojo6555]

As a guy, I’ll put a ring on it when I’m ready. 2 years isn’t a timestamp that you have to get married even if you live together.

[@rory644]

What a load of absolute nonsense I was with my partner for 9 years before we got married, and it has nothing to do with an imaginary person in the sky.

[@freeindeed8416]

@@simplyjojo6555 For any wise person it should be

[@freeindeed8416]

@@rory644I jumped off a building and didn’t die. You won’t either.

[@jhonilocran6077]

It costs $60 to get married.

[@TheFlyingZulu]

It cost a lifetime of regret to a guy when the divorce happens though... Alimony payments, child support, the issues of dating again when divorced with a kid... He doesn't want to get married for a good reason.

[@aolvaar8792]

@@TheFlyingZulu or a Bad reason.

[@CJ2023Incognito]

@@TheFlyingZuluyou do know you can get pregnant out of wedlock too, right? lol

[@ebrahimsaif4212]

100,000 USD where im from

[@dealerofgame]

they brought a house but cant buy a wedding????

[@shelleyirwin6104]

Joey needs to pop the question 💍

[@janisegott5185]

That or she does

[@stevegolacks8731]

Translation: This girl is going to be left high and dry. It wont be today, it wont be tomorrow, and it probably wont be in the next 2-3 years....but it will happen. This girl is going to learn the hard way...but hey, the hosts did their job and will still be around when she calls back in 5 years as a single person paying 2 peoples debts.

[@Vydio]

Joey is waiting to see if something better comes along. Do not mix finances. $29,000 in truck debt, but can't do a wedding.

[@maryannanderson2213]

Hannah might not appreciate the advise you gave her but I agree wholeheartedly with every word you said to her. I guess I'm old school but I'm not merging my finances with a man who comes up with excuses not to marry me. Maybe I'm waiting eight weeks or perhaps even eight months but long before eight years go by I would sort of be figuring that this guy wasn't really that in to me. It sounds very manipulative for him to make the "let's do it big or not do it" excuse. My husband and I had a very small wedding and we were married for almost 31 years and the marriage literally lasted "till death do us part". When we got married, we were not concentrating primarily on the actual wedding, which it appears "Joey" is doing. We were concentrating on our life together AFTER the wedding. Now I know I'm old school in this next bit but I would want to be married because if I have a child I want my child and me to have the same name as my husband. In today's world women may not have a child with their husband, or with their fiancé, or even their boyfriend so the only designation they can give this elusive man, who is NOT their husband or their fiancé or their boyfriend is "baby daddy'. I purely HATE that term. It sounds like the father of the child is just some random guy she ran into one night when she was out partying, and she may not even remember his name! That's just a bit too casual for me.

[@ysykes489]

90% of the time, it ends up ugly......I agree.

[@tdgdbs1]

Modular home is just a new term coined for trailer house, since they do not own the land; the trailer is titled as personal property without any tax benefit of real property. The boyfriend should get out of this mess!

[@aolvaar8792]

No, not at all. Modular NOT Mobile Mobile = Manufactured home (built to a federal standard), Wheels Modular homes are built to State standards unlike Manufactured homes. Once mounted on a foundation, they are the same as site built. They appreciate.

[@kbere4142]

People will turn their lives upside down for the sake of some magical dream wedding. Just get married. It’s not that serious. The marriage is waaaaaaaaaay more important than some spectacle wedding ceremony.

[@Mr.Boring_Man]

Get married with a prenuptial agreement. No matter your income as of today. Divorce insurance already exist so amend it with a prenuptial agreement.

[@erikcampen8276]

Good God. I can hear the banjos playing right now! Next up: JERRY! JERRY! JERRY!

[@t3morga]

A non structured and undisciplined life leads to pain

[@hollyb6885]

I have very little patience for stupidity. DO NOT buy a house with someone unless you’re married. JEEZ.

[@RoxiieSays]

Hannah’s head is in the clouds. She’s giggling when nothings funny.

[@itakenaps]

yeah joey doesnt wanna get married. either end it or expect that yall aint getting married

[@rickm6076]

She’s in Ohio, which is not common-law marriage anymore, so she is definitely single. In Ohio, you are either married of your own accord, or you are single.

[@aurasphere87]

Has she ever watched the show????

[@iseepandas1]

I’ve seen women on teenmom make better decisions than her 😂

[@crashtestdummy1972]

😂😂😂

[@TNFVLOGS]

If they do this outside of marriage if one person decides to leave at least they will have their own depts instead of marrying and the guy gets completely destroyed in a divorce because that’s the american way

[@resaboutb.9566]

What the .... ????

[@unfairsanic5089]

Lolz buying a house while not married is the american way. If that person cannot put a ring to you then why bother getting together with him😂

[@TNFVLOGS]

@@thebeegood1731 there is no way it’s worse for him if he doesn’t marry at most he will lose the house and have only his depts to pay stop it😂

[@TNFVLOGS]

@@unfairsanic5089 that’s not the american way.. the man getting destroyed in divorce is the american way😂

[@unfairsanic5089]

@@TNFVLOGS and the woman paying all the debt once the man leaves is the american way as well 🤣

[@dianeschenkelberg8270]

How the heck do you get a mortgage on a modular home if you don't own the land? Or is it a mobile home with payments, not a mortgage?

[@aolvaar8792]

This what I've seen. Two City lots owned under one title, One has a house, the other is bare. A land lease agreement for the term of the mortgage.

[@BrendaTufts]

My now husband and I bought property together as a single man and single woman on our mortgage. That protects both of your interests. We also filed as JTWROS so the property would go to the other person if one of us died. . We are now married for forty plus years. There are ways to word your mortgage to protect each buyer.

[@buckibanker]

Kids just need to stop playing house, either stay renters or get married

[@Kurtdog63]

If you are not spiritually committed, with God and thru marriage, make that happen, and you can then move forward with everything else. This is not a financial problem, it is a commitment problem, on multiple levels.

[@jasonleatherwood2172]

She is confused its a mobile home you cant get a modular home without the land being part of the mortgage

[@mxerb5912]

Huh? You usually rent the parcel of land the mobile home is on

[@colmwhateveryoulike3240]

​@@mxerb5912He said modular as opposed to a mobile.

[@peteranon8455]

I think grandma had two young people build a modular home on her land, and now wants to talk about "buying the land for a fair rate."

[@jasonleatherwood2172]

@@peteranon8455 they wont give a mortgage on a modular without a deed to the land a modular cannot be moved a mobile home can be moved so therefore can be put on someone elses land its basically a big ass car loan lol

[@Fishouta]

I hear mobile home, modular home, and manufactured home all used interchangeably. They can each be sitting on your own loan or someone else's. The only thing I would call a trailer home is if it still has its trailer attached. Like a tiny home does.😮

[@candyluna2929]

Ppl just call in without knowing the positions of the company

[@Fishouta]

Actually, modular homes are going up in value, George. Reason is, they are more affordable housing than site built homes so the demand is higher. The problem with this situation is that the modular home is sitting on grandma's property. If they were to sell it, the buyer would have to agree to some sort of land lease, or move it off. And maybe a land lease would be fine.

[@crashtestdummy1972]

Usually the reason a mobile home goes up is because of the land. If its a mobile home on rented land or land you dont own, that home is essentially worth a cheaper car. I can buy a reasonable mobile home right now for 10k but i would need land to put it on.

[@crashtestdummy1972]

Correction, you said modular lol. Nvm what i said. Yes modulars do go up!

[@289Mustang67]

And moving it isn't likely to be easy or cheap. And they lose at least a foundation or maybe even a basement for which they paid money.

[@aolvaar8792]

@@crashtestdummy1972 Modular NOT Mobile Mobile = Manufactured home (built to a federal standard) Modular homes are built to State standards unlike Manufactured homes. Once mounted on a foundation, they are the same as site built.

[@TheFlyingZulu]

A modular home only goes up in value when the land it is sitting on goes up in value. Modular homes are 100% like the typical new car. They always go down in value overtime. There may be small time frames of high demand like now but 10 to 20 years down the road a trailer will have lost a lot of its value.

[@stewbugz5213]

Why do people call in when they are shacking up together, knowing the one rule Dave has on this issue? Insanity when a caller thinks they are different than anyone else!

[@deirdrekiely6187]

Playing house and pretending you're married when you're not is a *really* stupid thing women do.

[@Echodot232]

Boyfriend and girlfriend should never combine anything until married. Will be a disaster

[@trainsandlocomotives]

What would make it a disaster?

[@sharktoof1]

@@trainsandlocomotivesdid you not watch the video?

[@blackspiderman1887]

I don't blame the guy for not getting married, but mixing finances and mortgages like that is a bad idea. However its been 8 years so at least they are pass the 3-5 year mark where couples normally break up

[@Judi4Him4Ever]

Kids today! They think having a big expensive party is what makes it a wedding. Go to the courthouse with two witnesses, get married! and have a big party LATER when you can afford it! We did that and have ZERO regrets. And we’re 💯 debt free.

[@hollystiener16]

he simply doesn't want to get married. no other reason

[@LM-ch8rh]

Hannah sounds really responsible and mature.

[@cookinthekitchen]

I think someone needs to teach the next generation to stay out of grandma's pocketbook

[@jabencarter88]

People from every generation make dumb financial decisions.

[@elizabethallen4353]

I think Grandma needs money, and she's using her grandaughter for kind of a reverse mortgage situation.

[@acscott9916]

Did grandma set her up saying to put the home on her land than turn around and mention she wants it paid off earlier…suspect setup

[@kallistoindrani5689]

If a certificate doesn't change that much, why are they so persistent with everyone getting married?

[@hollystiener16]

financially and legally it is not as messy with a break up

[@freeindeed8416]

Watch the video

[@froggiman1]

You are right. And if the government wasn't involved then a lot more guys would not have problem with marriage. Usually the people that promote marriage the most also don't want the government involved (when it comes to LGBT crap) but are fine with the government involvement for every other aspect of marriage.

[@covfefemaga7918]

If he hasn't married you in 8 years, he doesn't love you and doesn't actually want you. She needs to brake up with that guy and get out of the mortgage.

[@alexanderbernard2038]

They were literally in high school when the relationship started and just barely finished college, give it time.

[@vxptc1]

Maybe he's not ready.

[@domega7392]

I agree they should be married, but I find it funny how so many talk about what needs to be or ought to be done. "Break up" LMAO Do you know how he actually feel, or the full situation? Doubt it.

[@jimmymcgill6778]

Give me a break

[@almaguillot8597]

​@@alexanderbernard2038Nah. Couples who meet in their teens know when they have met their spouse. He's just waiting for something better to show up.

[@RwalterMI]

Wow. Sending prayers .

[@aolvaar8792]

Modular homes are built to State standards unlike Manufactured homes. Once mounted on a foundation, they are the same as site-built. They appreciate.

[@user-mv9tt4st9k]

Maybe the land under the mobile appreciates, and these two do not own any of the land. Grandma benefits from their situation, which might mean that Hannah is likely being taken advantage of by more people than her boyfriend. 😕

[@aolvaar8792]

@@user-mv9tt4st9k Modular NOT Mobile Mobile = Manufactured home (built to a federal standard) Again, Modular homes are built to State standards unlike Manufactured homes. Once mounted on a foundation, they are the same as site built. They appreciate. Many are robotically built, laser measure and cut, Higher quality than site-built homes, built indoors. they are lifted and placed on a foundation.

[@megalodon1726]

They don't appreciate if somebody else owns the land under it.

[@aolvaar8792]

@@megalodon1726 You get a 99-year lease, on a National Forest Private Tract. 30 years later, you sell, Appreciation

[@megalodon1726]

@@aolvaar8792that's if the land lease is in your own name and you have the right to transfer the lease to the buyer of the house.

[@brittanyhinch512]

She's in pure denial. Its sad to hear.

[@laundrygoddess4]

Where I am, common law is legally the same as married. There is our not just mine and his where I live

[@westbccoast]

What a disaster, buying property or a home on family's land, Joey would be insane and stupid to do this. Never buy or build a home on land you don't legally own, that's insane

[@aolvaar8792]

?????? A 99-year lease on National Forest Private Tract.

[@TheLottoKing]

A modular home is totally different than a mobile home. A modular home is set on a foundation and holds it's value the same if not better than a stick built house. The caller may be talking about mobile, but just wanted to put that clarification out there!

[@jimmymcgill6778]

Or these 2 are thinking it mobile.

[@aolvaar8792]

@@jimmymcgill6778 Banks usually don't loan on modulars if you don't own the land. Too much risk.

[@jimmymcgill6778]

@@aolvaar8792 You can still get one.

[@Fishouta]

​@@aolvaar8792Yes they do. They are called chattel loans and usually have slightly higher interest rate than mortgage loans.

[@user-mv9tt4st9k]

Separate all debt and the house. Combine everything after you get married. 🙄

[@John3.36]

Classic example of a fool. She has a hard life ahead of her.

[@Shay-yg7nm]

Man i wish Dave took this. She needs a wake up call

[@bigcahuna42366]

All that is required to get married is just a marriage license fee, if it applies in her state

[@resaboutb.9566]

Caller knows this, but BF doesn't want to get married. And that's OK, if he doesn't want to! But finances shouldn't be combined unless or until they marry -- it's the smartest advice for both of them.

[@mhodge0890]

This call gave me anxiety wow

[@hansonallie]

It’s get the popcorn time every time!

[@MarieCornwell-pi1rq]

The current economic system contributes to instability, inflation, and poverty. A new Creative Society economic model is required, one that can guarantee everyone's stability, security, and a high standard of living. But unfortunately, whenever the leaders we depend on appear on TV to tell us not to panic that everything is under control, that is actually the time to fear the most! Saddening...

[@brianVennable]

​@JohnDerrick-zj5erI agree, my profit have been quite consistent, regardless of market situation, I got in early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from a portfolio-adviser that was recommended by a popular economist on a subreddit, long story short, its been 2years now and I've gained over $850k following guidance from my investment adviser.

[@MarieCornwell-pi1rq]

​@@brianVennableI've been down a ton, I'm only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@brianVennable]

​@@MarieCornwell-pi1rqEDRICK EAMON DAVIES is my investment advisor, he is highly qualified and experienced in the financial market. He has extensive knowledge of portfolio diversity and is considered an expert in the field. He has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@brianVennable]

He's on Telegrams with only the user name below 👇

[@brianVennable]

@edrickEamonDaviesofficial

[@Dad-in-WA]

agreed they shouldn't merge finances. being so young they probably haven't discussed what happens if they separate and move on? they have debt as well need to pay off and Ramsey team will advise not to get a mortgage. buy with cash which will be difficult to do today. thanks for sharing the video.

[@James_Hough]

They can buy a house, go in all kinds of debt, but don't have enough money to get married......OK.

[@user-mv9tt4st9k]

Hannah should have considered dumping Joey the first three times he made excuses for not getting married, because honestly it does not sound like Joey WANTS to marry Hannah. It sounds like the land deal only benefits grandma and is a raw deal for Hannah and Joey.

[@fsm12385]

Granny's gonna take the house out lol

[@mistertornado2303]

The amount of boyfriends and girlfriends living together in this day and age is downright baffling. Flat-out living in sin and feeling no conviction whatsoever that they're being intimate outside of wedlock. Maybe the wake-up call comes when they realize how disastrous of a financial situation they find themselves in.

[@golferpro1241]

Agreed

[@lauraoconnor1809]

Not everyone is Christian, though. The finances are the central point here, I don’t think “sin” is a relevant conversation for many people.

[@aolvaar8792]

I pay for everything and my wife's retirement, she spends on magic beans and unicorns. The same as before we married.

[@freeindeed8416]

@@lauraoconnor1809That’s the problem

[@jimmymcgill6778]

And what is the difference if they are married and then get divorced? They still share the debt. They aren't married, they don't. SO how is being married any different?

[@resaboutb.9566]

Should they decide to divorce, the court system is set up to help married folks legally and fairly divide their assets and debts.

[@aolvaar8792]

Unknown to the BF, I would have the GM subdivide the property and quit claim the land to me and TITLE it as Unmarried woman, sole and separate property.

[@jimmymcgill6778]

@@resaboutb.9566 Fairly? Tell that to Dr. Dre, and his prenup that his wife signed.

[@Cristalcortes94]

Rachel you look extra pretty today! ☺️

[@katinafrancis7643]

What a Mess

[@worldnomad2301]

Modular homes do not go down in value. They are stick built homes in a factory. I think she is confusing modular with manufactured(trailer). And George doesn’t know the difference either.

[@megalodon1726]

They go down in value if you don't own the land it sits on.

[@worldnomad2301]

@@megalodon1726 If it’s a trailer, they go down in value regardless, the land doesn’t matter for a trailer because you can move them. A modular will go up in value regardless as well. They will be in a weird situation if they were to try to sell a home that they don’t own the land for, if it’s truly a modular home. I don’t think it is.

[@lorirogers9304]

My sister has a modular home they paid $125,000 for. Newer and larger homes in their development are selling for high $200,000s. At the end of they day, however, it still not built like a brick and mortar home, you don’t own the land, and you’re at the mercy of the landowner.

[@worldnomad2301]

@@lorirogers9304 You’re confusing modular with manufactured. Modular homes are built exactly like site built homes, if not better.

[@andreanease4215]

Mobile homes don’t always go down in value. Our in laws could sell theirs that they’ve been in for about 25 years for more than they paid for it when they bought it new. It depends on the market in your area.

[@Fishouta]

Let me correct you, Rachel. You said that there are no legal documents with having a mortgage together. WRONG. Of course there are. The problem with not being a married couple on a deed is that there are limited laws to help you, should the relationship break up. I believe you were confusing the topics.

[@289Mustang67]

I'm pretty sure she was talking about all of the entanglements they have - emotional and financial -- without having a legal document showing they are married. Not specifically a document for a mortgage. @2:40.

[@aolvaar8792]

TITLE is how the property is Held. Joint Tenancy is joint tenancy, married or not. The legal holding of property between two people.

[@Fishouta]

@@289Mustang67 oh ok. Thanks!

[@phatbetbruh]

Common core sucks. Kinda like Hannah's life right now.

[@danieljohnson4418]

I recommend that people have at least 3-6 months of debt before purchasing a home.

[@resaboutb.9566]

What? You recommend *debt?*

[@amireallythatgrumpy6508]

I recommend that you take remedial English.

[@corystuard6251]

All these people, just playing house.

[@therapywithisabel]

"Your life is like a Common Core math problem." YES!!!! lol

[@TimeisUp22]

🤨 Im not understanding. Did they already take the loan out for the modular home? If thats the case its too late. So what is the advice here⁉️ Rachel is saying “you cant afford it.” They already brought it and living in it w/ $130k income. What are they supposed to do at this point??

[@lionheart93]

amazon wedding bands are nice tbh