I'm $30,000 In Debt To My Siblings! (They Want Their Money Back Now!)

[@slapstick_2306]

The fact he called it "nagging" when they asked for the money says everything about him. They helped him out and now its his time to pay back he bails.

[@axolet]

"Cash or Kidney"

[@TexasRanchu]

💯, dude is ungrateful

[@genxx2724]

People who go out, or spend money on anything other than basic necessities, when they owe money are indulging in luxuries at the expense of the person who is waiting to be paid, and should be ashamed.

[@racpatrice]

👏👏👏

[@sanitary103]

This guy is a loser. Agree with your statement.

[@andrew8168]

People like that are incapable of shame.

[@SeanBaker]

He went from $6k to $30k real quickly.

[@Jumpman67]

yea it was funny how he sorta left out the 24k in the beginning.

[@GardenerEarthGuy]

He loves it that way...

[@melacine34]

It was because the 6k was the one whining for the money back. The 24k most have a lot of expendable cash as he/she hadn't been asking for it back yet.

[@rosak.9855]

Sean, if you really listened, he said he owes one sibling 6000, another one 24000.

[@scutifr]

@@rosak.9855 no he said he had 6k in sibling loans when asked about his debts

[@navado75]

As a kid my grandfather told me, never loan money to anyone. If you have something to give that's fine. A loan will cost your friend/relationship.

[@pep590]

True, but a lot of family, like mine, doesn't care about the relationship as long as they got free money.

[@navado75]

@@pep590 🤣

[@buffymcmuffin5361]

Never loan more than you would give.

[@Wardawg-]

I’d say it depends on the person I always pay my friends back

[@godnestgodest6265]

Great advice 👍 my Dad told me the same thing and I live with that moto up to this day....peace of mind for sure!

[@danigirl103]

He’s terrible. I would never loan him anything again, he’s so flippant about owing family members! He should prioritize his family, pay them off, and never do this again, EVER.

[@666dynomax]

hes nothing Dani... unless he's lying, there was no replayment plan. you go to the bank and get a loan its laid out quickly how much per week/month and how long... this loan had no terms.

[@jcherestal]

He priorities are drinking and going out

[@colleenduffy1139]

Agree but they tell him to follow the baby steps as usual and not pay back family first.

[@Mattiethekorbat]

Something tells me that the sibling who wants back their $6k isn't being a squeaky wheel for no reason. He doubled his income and thinks it's an inconvenience to not party with his friends. What I hear is that he's doubled his income AND his partying, probably gloating about it while not repaying his siblings a cent "because he doesn't want to pay the bank charges on a wire transfer" and he "wants to be able to pay the full debt at once". Meanwhile his social media selfies showing himself living the "good" life while not paying them back anything has probably gotten to them.

[@oldgeezer2780]

This, so much. "Try" not to go out to eat? Huh? Makes me nuts. Like all those court tv shows in which the person who loaned money to a friend/relative sues to get the money back and the judge asks why it hasn't been paid. The defendant invariably shrugs and says, "I didn't have it."

[@choicemeatrandy6572]

Wiring fees are like $10 to $25 at most. Dude doubled his income and still feels hurt paying back his own blood.

[@dacokc]

He probably wants to buy a new car with all his new money..

[@FaithandPurpose828]

@@dacokc He should ride the bus or take Uber. He's not worthy to have a car.

[@eileeneclark9011]

6/5/24...THIS GUY IS TRYING TO "STIFF" HIS OWN FAMILY MEMBERS WHO HAVE "TRUSTED + BELIEVED IN THIS LOOSER"! HE'S HOPING THE SIBLINGS WILL "FORGET" OR "FORGIVE" THOSE LOANS... WHAT A CHEATING SOB.... HOPE THEY NEVER LOAN HIM $$ AGAIN!

[@thomasdonlin5456]

“Empire Strikes Back” has Yoda with the try line.

[@clarisamompremier8005]

Yes someone got it right!,,

[@millerfamilytrees]

Which is 5 technically

[@batofautekenny]

Thank you - original 2 and now 5...

[@mbyrd6713]

His family will never loan money to him again and I wouldn’t either. The next call will be from his sister about her brother who was a bum and won’t pay her back 🤦🏽‍♀️

[@jeanlaubenthal698]

Hilarious!

[@666dynomax]

if you're following the dave ramsey plan, you would never need to borrow money again... are YOU following ramsey?

[@mbyrd6713]

@@666dynomax Lol, I was talking about lending not borrowing. He just started on the Ramsey plan because if he knew anything about Dave Ramsey, he wouldn’t have called the show.

[@666dynomax]

@@mbyrd6713 gotcha, yes I loaned a friend $20 when I was 14 which I never got back. 25 years later I have never loaned a thing to anybody again. Bad practice, and the lender never forgets the bad loan.

[@AaBbCcDdEeF]

I’d hate to lend this guy money. Paying you back isn’t his priority. He has to go out.

[@lkj0822g]

Communication is key here. Talk with both siblings, lay out your repayment plan, and then DO IT.

[@lisahuff7779]

If you have an agreement to pay those family members payments , you pay now ,not when it fits you or any other programs. Keeping your word is very important.

[@Ryan_DeWitt]

Exactly! The family is kind of like the IRS. You don't follow standard pay back rules and get them paid back first whether they are the largest or smallest.

[@lovingcareheatingandair6794]

Dang, you go girl!!!!

[@jimroscovius]

They didn't have an agreement, except to pay off a lump sum.

[@moe4188]

Wow the way John explained how you can change your life in 90 days was by far the most inspiring thing I've heard on KZbin

[@lovingcareheatingandair6794]

I felt that was some awesome advice as well.

[@random-nz7dy]

It's true. Or at least you can form the habit that's going to lead to long-term success well within 90 days.

[@brandonbarclow3135]

When I was young (around 12 or so), my uncle handed me a $100 bill. As a 12 year old in 1987, I was super excited. He then said "ok...TRY to drop it." So I dropped it on the table because I "tried" to drop it. He picked it up and said "thanks for giving me my money back." I was hurt. The excitement went away..."What is going on?" He then handed the $100 bill back to me and repeated, "TRY to drop it." So I "tried" to drop it but this time, I didn't let it go. I just made the movements as if I was "trying" to drop it. He then proceeded to teach me a lesson. YOU CAN'T TRY TO DO ANYTHING!!! Either you DO IT or you DON'T. When this guy said, I'll "Try" not to go out to eat, I laughed so hard because by "trying," you are literally leaving $100 bills on the table! (In case you are wondering, my uncle did let me keep the $100).

[@alleykeosheyan4779]

Great example!

[@lovingcareheatingandair6794]

Right on

[@daffydlwellen1270]

Yoda was your Uncle? Nice story bub.

[@brandonbarclow3135]

@@daffydlwellen1270 Hahaha!!! I swear...these "lessons" were constant.

[@kevins7974]

@@brandonbarclow3135 my uncle didnt give me money but he gave me something else

[@mathisnotforthefaintofheart]

This is why I believe family and finance should be kept separate. And I would even extend this practice to my close friends. IF (!!) you have to borrow money, better go to an evil bank. There have been plenty of family relationships gone south because of financial issues.

[@edhcb9359]

The “evil bank”. When people ask to borrow money and you lend it to them then that is “evil”?

[@mathisnotforthefaintofheart]

@@edhcb9359 Ok, a little nuance here. A bank is there to do business, I get it. They don't care about you personally. I have seen more than once that even if a client needs a little "wiggle" room to make payments, some banks are as hard as a rock and will make the client go through deep sh!t. Banks have this attitude to be very indifferent, if not outright destructive to some people who have ended up in financial trouble not to their own fault, in particular people of color and minorities. 2008 is a classic example. I am sorry to say, but I find a banks very little to do with morality and humanity these days. Why do you think Ramsey doesn't like banks and their loans? But borrowing money from your family is a NO because you can't really separate yourself from family if things go wrong. It hurts both parties.

[@GardenerEarthGuy]

When loaning money- the need to cut off fingers with hand pruners is something to consider. It's better not to deal with family and friends this way. Offer them a job, but don't put yourself in a position where you're cutting off your sister's finger with a blowtorch over money- save that for strangers.

[@MrDougfunny7]

@@edhcb9359 yes, usury is evil.

[@genxx2724]

@@GardenerEarthGuy 😆

[@shqiptari1699]

I never lend money to family or friends, all it creates is problems with each other’s relationships. I either give you money for free or nothing, if you need money go get a loan from the bank

[@KEANUWHITE]

Simple, give it away and be done with, give what you can afford to lose, loan and family don't go together, it's like fire and water together, Nope

[@Tigerkem]

I don't agree with this, you got to go with the family first, especially if your relationship is being strained by it. This is why you shouldn't borrow money with family or friends.

[@davinasquirrel7672]

Particularly when they are making noises to get the money back. He will have to suck up the interest on the other debt.

[@catlady2795]

A while back ago a friend of mine had a problem and was trying to come up with some money for a situation they were having, so I looked at my finances and decided I could gift them something. I didn't want to put pressure on our friendship with a loan. I think its just better to decide how much you can securely part with, to help out while not putting yourself out.

[@robertthompson5908]

The only thing dumber than borrowing from relatives is borrowing from relatives without making a payment plan in writing.

[@jimroscovius]

Agreed!!

[@jimroscovius]

Avoid the situation and don't borrow from friends or relatives. Ever.

[@choicemeatrandy6572]

My older brother offered to pay my tuition once and I told him no thanks. I've heard way too many horror stories of families being ripped apart because of owing each other money.

[@ThreePuttBogeys88]

This guy was frustrating to listen to. I’d hate to have a sibling like this.

[@alanj9978]

At least he vaguely intends to pay it back. Far from the worst sibling (trust me).

[@sorvoja]

Disagree with Dave. if you ever borrow money from family (which you should never ever do) pay it off like it was a debt to the mafia. Sell anything that isn’t bolted down, work extra, starve, but get rid of family debt.

[@KennethMatej]

Exactly. Thank you.

[@shinchan251cute]

The caller is a typical family member who thinks its his family's obligation to bail him out of financial problems. I would never loan money again with this guy if I'm in the shoes of his family members.

[@bettysmith4527]

ugh, better get the family paid off, they deserve their money back.

[@jml9550]

Exactly. Pay the family back. They helped you when needed and now pay it back.

[@jml9550]

Unless a family members is starving or don’t have a roof over their head, I would never lend money to a family member. I would just gift it instead.

[@Camie2030]

Exactly. Time value money. They couldve gotten something even .05% interest better than lending to this guy

[@jml9550]

@@Camie2030 I get the feeling that he doesn’t want to pay it back. Using wire transfer fee as an excuse. He would’ve pay plenty of interest if families members didn’t loan him the money. At least communicate the repayment plan to the family after getting his first job.

[@weinowei143]

"i will try not to go out." Sounds like this dude won't be paying his siblings anytime soon....

[@elianah8803]

i don’t loan money to my siblings. they would never ask but i knew when they were struggling. i offered the money because i could afford to and bc i didn’t want to see my siblings stressed (they were not wasteful and it was not reoccurring) when they would offer to repay the money i said no, it’s not a loan, it’s a gift. i love you and hope it helps. Big hug…done. forget about it just like you forget the tschotke you bought them as christmas gift five years ago 😂 personally that’s why i work hard, to be able to help my family

[@scotttackett4315]

"Didn't you watch Star Wars I, there is no try, just do it." John Delony. Yes I know it's The Empire Strikes Back, but his quick wit says it all.

[@lovingcareheatingandair6794]

That was great advice from John. Wow!

[@genxx2724]

Fantastic advice, and a good dressing-down, too. John’s getting his legs under him. I thought he was a wishy-washy dweeb. He’s getting my respect.

[@lanceehrsam8296]

I needed to hear that 90 days advice.

[@kj7653]

90 days!! Great advice. I am reframing my mind set and making small changes to live by for the next 90 days.

[@spankynater4242]

What the hell is wrong with Dave, calling the guys siblings whiners? They want to get paid back, that’s not whining.

[@rodneyevans8362]

You are exactly why I don't loan money. You owe them but don't really want to pay them. But when you needed the money they loaned it to you. Now that you doubled you salary, you find it difficult to pay.

[@caezar044]

I feel like I’ve heard Dave say before to prioritize family debt over the debt snowball.

[@lovingcareheatingandair6794]

He has and him saying opposite today shocked me. Pay family before the banks when you borrow.

[@murderofcrows7738]

I think it depends on how much he wants to contradict the caller tbh.

[@LarimarCabrera]

I think it was obvious for the guy to pay the 2k and get it out the way, plus it sounds like that's what he wanted to do since he was avoiding his sister.

[@lovingcareheatingandair6794]

It is the way of life to pay back family before the banks. I don’t care who’s plan you’re on. If you don’t want to owe family money, please don’t borrow it. I’m sure they’re not wanting to loan it.

[@k.h.6991]

I think it was the fact that the family members don't really need the money that made it a lower priority.

[@michalsvec1372]

He just doesn’t want to pay it off

[@michellerichardson3090]

Its not nagging when you havent paid ANYTHING back.

[@jeanlaubenthal698]

AWESOME! The avoidance is not nice to do to people who helped you save money it is almost a slap in the face.

[@genxx2724]

Almost? It is a slap in the face.

[@Bob-yh7ir]

This guy is immature. I'll try not to go out.... He needs to treat the debt as if it were cancer.

[@genxx2724]

What he needs is a swift kick.

[@phungngo4278]

Dave used to say pay family first. What happened? I would be mad if my brother double his income and won’t pay me back. He would be dead to me and hope $6K is worth it for him.

[@DMS1010]

My understanding was that Dave always said to put family at the top of the list with the IRS, perhaps I am wrong

[@christophercarrigg3775]

I've definitely heard him say that too

[@bobberry1463]

I think because the guy make so much money he can pay it off really fast it doesn't really matter. he just being lazy.

[@bigbarkingdog2010]

Mike Ramsey provides good advice ... except in this case ... never take advantage of your family ...Pay them first.

[@lovethemflowers]

DAVE Ramsey.

[@nikkilinton6478]

Stop lending shady friends and family money. Please. This is exactly what they think about you and your help.

[@cavianguardian]

He know what needs to be done. Pay them back!

[@Chase5678]

I wonder what restaurant he ate at today? 😂🤦‍♀️

[@cashkitty3472]

Wow he needs to pay both of them back simultaneously

[@mg7652]

"Solve a problem in 90 days." That's pretty good.

[@candy2325]

When I’m helping a family member financially and give them money I don’t expect it in return. The money I’m lending to them is for them to use in need BUT they will not get MORE from me after another attempt. Boundaries!

[@cathyosullivan718]

If you borrow money, you need to pay it back even if it’s in agreed instalments. I only lend people small amounts now because it seems like 90% of people rationalise why they shouldn’t have to pay back.

[@Freedomchild85]

I was always taught, only lend money that you dont expect back.

[@cathyosullivan718]

Yeah. That’s why I only lend out small amounts now. I think ethically the person should always pay back though.

[@genxx2724]

How small? For a cup of coffee or a soda?

[@cathyosullivan718]

Ten to twenty dollars

[@johndone8045]

Just pay them first, dont listen to dave The better relationship with your siblings is better than their dumb baby steps

[@jordanharirchi4604]

This guy is trying to not pay the money. He’s not a nice guy or brother.

[@patty109109]

You should pay the family off NOW. Get this stupid debt gone.

[@richardm5540]

Never borrow money from family It causes a level of problems That have lasting effects.

[@clarisamompremier8005]

It is Empire Strikes Back.. where Yoda tells Luke that quote.

[@arctictundra907]

I would say the best rule of thumb for lending money to family members is don't "lend it" unless you anticipate not getting it back. Count it as spent.

[@Chosen_One]

This call was so frustrating 🤦

[@glennz6686]

He's not going to pay them back.

[@JerryStevens]

This guy sounds like every deadbeat I've ever known, especially when he talked about "trying" not to go out (with money that rightfully belongs to his siblings.)

[@stevencole7331]

Once you have a structured plan it's easier to accomplish the task at hand .

[@BlackDrg9]

The correct answer is Empire Strikes Back... These finance nerds, I tell ya!

[@michaelsmith6818]

Or "Episode V"

[@kdubs83]

😂😂😂

[@scottsanders2474]

Anyone who would use the excuse that "wiring fees" are too expensive to make regular payments to a sibling that loaned him money in a time of need is a d-bag. Instead, he wants to figure out a way to pay it in a lump sum, which will never happen because he is pissing away the raise he got that doubled his income by spending it in clubs, restaurants, and other forms of entertainment.

[@davinasquirrel7672]

He sounds like he upped his lifestyle to match the new salary, instead of living like he was on the old salary and hitting the debt hard. His whimper when he considered the idea of not going out was very telling. He is only doing the baby steps at a comfy pace instead of a frantic pace.

[@JC-xu1cz]

He should pay off the family loans 1st.

[@Pruett51212]

My parents have loaned me money and I've paid them back. BUT it causes the relationship to be weird for a while even if they aren't nagging and not worried about the money

[@jaebeablessings1005]

Why is it when someone owes you money that they whined to get from you are nagging when they asked you to about paying it back??

[@jessa9877]

Yeah, I lent money to my sister once... never saw the color of it ever again... family

[@kieransmith4353]

He makes 80000 and could live on 40000 and pay 40000 of debt and still go out to eat and one year he will be debt free

[@jeremyseverenuk6847]

I was thinking the same thing😂 Some people really like wasting money

[@dwakeling1]

He probably pay's taxes, pensions contributions etc

[@michellerichardson3090]

@@dwakeling1 still wouldnt be anywhere near half of his earnings

[@lolwtnick4362]

​@@michellerichardson3090huh. didn't know you lived in Canada.

[@Fishouta]

Doesn't sound like caller has done a budget to know exactly what he can put on his debt monthly. I would work out on a spreadsheet exactly when each thing is going to pay off, listing smallest to largest. And that includes a reasonable monthly payment to the sibling that is owed the 24k. They may not be "squeaking" about it, but it could easily build resentment between the two siblings if one is getting a monthly payment and the other isn't.

[@Fishouta]

YODA: Do or do not. There is no try.

[@BrianaBudgets]

I would be “nagging” too if someone owed me $24,000 and I knew they made $80,000 per year and weren’t giving me any of it.

[@JustinR316]

4:10 actually sir, that line was from Empire 😄😄 good quote though

[@TheSilverLining22]

John Deloney has one of my favorite Hearty laughs

[@VB-vl1tg]

Do not lend money to relatives because you are gonna lose both 💲

[@mrbushlied7742]

I never lend money to family and friends. If they can't get a bank loan, then they are not creditworthy. Unlike a bank, I have no recourse if family and friends don't repay me.

[@LegDayLas]

Words to live by- never give friends or family a loan unless you are willing to lose the money, the friend/family, or both.

[@BrandonMinguez]

Sometimes family and finances don't mix well together. Hopefully he can stabilize the relationship with the two siblings once those debts are paid off.

[@dianecelento4974]

John was great

[@MinkieWinkle]

This guy isn't sick and tired of being sick and tired yet. he should call back when he is. until then. personally i wouldn't waste time trying to help him. he clearly is not committed to being debt free yet

[@nickg2561]

Pay your family first!

[@dwaynemauk566]

My wife and I have a rule - we don't loan or borrow anything to family, friends, church members. If someone needs help, we go with our equipment and we help. And if we need a loan, we go to the bank. The two times I broke that rule, I had to go the extra mile to make sure family relations were good, even though we were taken advantage of.

[@buffymcmuffin5361]

Love how Dave cheers him for doubling his income. Sad how many people think poverty is "holy"

[@Hfjfjfjcbrjdjn]

This guy makes 80 k man he can live on 3000 per month saving 3600 dollars a month for debt payments 😂

[@nsanahtee]

Math was my favorite and best subject.

[@TheSmatlock]

Makes 80k per year and has 1200$ to his name🙄. Very irresponsible person

[@Joeyjoejoejrshabadoo81]

It’s Canada aren’t the taxes really high there compared to USA ?

[@nancygamez7087]

Give back their money

[@dogpark77]

The wicked borrow and do not repay.

[@YourFunkiness]

I can't believe Dave and John are misleading people like this. Star Wars Episode V: The Empire Strikes Back

[@gavinv4807]

Oh how I wish it was Kenneth, dude's a legend with his shawl collar cardigan.

[@MrMustangrick]

John not Ken.

[@christophercarrigg3775]

That's john

[@YourFunkiness]

Edited.

[@jeanlaubenthal698]

I wonder what this guy would do when a family member comes to him asking to borrow money. He needs to pay back with at least a little interest …on his own volition. People make up so much stuff about other peoples money situation like…she doesn’t really need her money back etc So rude.

[@jeanlaubenthal698]

@@wordsalad01 That rings true …and Hopefully after he gets it together through financial peace program he will get to the place of being generous.

[@Familiadude]

I'll never lend money to family or friends again. It causes alot of problems. If you lend someone $20 and never see them again consider it a great investment

[@oldgeezer2780]

I learned the lesson cheap. I loaned a friend $40, and she thought that her mother paying me $20 to alter some of her clothes was "paying me back." Haven't made that mistake since.

[@Libertycustom73]

Empire strikes back. Do or do not, there is no try

[@PublicNuisance2K25]

“Can I borrow some $? I’ll pay you back.” 😂

[@morganottlii2390]

"I will happily pay you Tuesday for a hamburger today". Popeye knew the score

[@yogi2543]

The Empire Strikes Back

[@jarodarmstrong509]

We borrowed a bit from family to start our business but I insisted on a signed and witnessed contract outlining every single aspect of repayment. Hasn’t been an issue so far but cya if you’re going to lend to anyone but especially friends or family

[@usaalways1869]

Just DO it !!!!!!!!!!

[@Avieeee-ct9wf]

I'm from Calgary AB, this doesn't surprise me

[@gammayin3245]

“Do or do not. There is no try," Yoda quote from "The Empire Strikes Back."

[@mv7374]

Dude pay your siblings back before hitting the 2k. That’s not ok to leave them hanging.

[@cathydanks8908]

Rocky Horror Picture Show?? You're way cooler than I thought. 😊😊

[@usaalways1869]

GREAT 👍 advice ! Thanks

[@tinaaurand8887]

We had to borrow money from my father-in-law. He did not charge us interest. We had automatic payments made to him every month. He would tell me how he appreciated timely payments. Eventually he told us to stop paying him, the debt was paid.

[@dideoluwaadebayo923]

“Didn’t you watch Star Wars One? There is no try.” Ok Dr. John, a lot to unpack here. That quote is from Episode 5. Even if you consider the original Star Wars the first movie, which is acceptable, that quote would be from Star Wars Two under that system. Whereas if you refer to them in numerical order, the quote is from Star Wars Five. I’m not even going to do a deep dive into referring to it as “Star Wars One” as opposed to “Episode One” which is proper shorthand phraseology. From a guy with two doctorates, I would expect more. Thank you for coming to my Ted Talk.

[@bobul2]

Wow, what an effing piece of work.

[@cutehumor]

Sell the caller

[@FortuneSeek3rz]

If my siblings asked me to loan them 6k I would block them.

[@musicpro7278]

My sister just asked if she could borrow some money to pay for a house. Of course I said I don't have money even tho I do because I just don't want problems

[@michigan1291]

Dave is WRONG this time. They "need" and expect their money back, or they would not have asked for it. They do not owe him a reason or explanation. What a pompous guy to judge their reasons or status. Pay family FIRST, today. Don't feel sorry for yourself if your siblings don't even "try" to act like they like or respect you anymore, they are not that stupid. I'd "try" to remember to invite you to Thanksgiving dinner, but don't hold your breath, you don't need it, you can just keep going out to eat.

[@edgaro5657]

Are you the person he owes? I suspect you are lol by the details added

[@lolwtnick4362]

honestly Dave has a great idea and has millions paid off their debts quickly. call them, make a plan, and stick to it. both sides made a mistake not setting up a plan. Him starting this will go a long way. if the siblings are stupid enough to sue. idk about international loans but in the US if there is no proof and he claims it was a gift. he doesn't owe anybody anything

[@CandiceMorton]

This guy seems childish and irresponsible

[@josephinebournes8212]

His siblings will have to eat that debt