What To Do When Family Behaves Badly | July 1, 2024

[@mmp495]

The call from Matthew broke my heart. Matthew was taken advantage of at a vulnerable place in his life. I'm hoping he gets it worked out. Dave and John gave good advice. ❤

[@christinehopping5040]

Dave gave that lady a wonderful blessing on her wedding day -- Financial Peace. I love listening to happy people on radio.

[@jgamboa4858]

Dave and John are my favorite duo

[@kellibuzzard9431]

Me too.

[@Rileymcneill07]

Dave and George are mine.

[@kristencampbell5533]

I lived overseas for a couple of years, and it was life changing. If you can do it, I would recommend it. If you have the money saved to cash flow a 1 year MBA abroad, it will likely be unforgettable. You may not be free to do so in future, once a spouse or kids come along. Another option is to do an MBA in the US and then work abroad.

[@sarapurdy8712]

My dad says, "Better than I deserve" on a regular basis 😊❤

[@Traveler20231]

To the guy that wants to go to Europe you should do it. Whether the school route or get a job there. There is nothing wrong with taking a year off if you can afford it.

[@kathystaursky4063]

I agree. He can see if he really likes it.

[@hm8489]

Totally agree. He’s young, that’s his dream. Let him do it if he doesn’t need to take loans.

[@shannonfritch8313]

This is one thing I disagree with Dave on. If he is debt free and can fund his year, he should take a year and go before he has a family. I spent a year volunteering for Habitat for Humanity and lived on $2500 for the year. All of us volunteers had nothing financially or materially but we had a very rich life.

[@kellibuzzard9431]

I live in Europe. I love it. ❤

[@Trustbutverify2651]

Travel and living abroad changes your perspective for the rest of your life.

[@lenisteingen3036]

Daniel from New York. You worked so hard you deserve a gap year. You’re not too old. Always yes to living abroad for a while. And an MBA within only one year sounds super intense, not a vacation at all. You’ll gain invaluable experience that someone who never went to live abroad can’t comprehend. Just do it.

[@antoinepowell649]

He’s clearly not happy money not everything he feel empty inside NEW York a cold city it’s hard to find real love

[@souschef4489]

I was thinking the same thing. If you have a clear financial picture just take the year. May even find a love interest or new relationships that can’t be found stateside

[@jjkatz]

Agree he definitely should go. Money isn’t everything, experiences are just as important. He’s obviously a responsible guy not just going to goof off. He will regret it if he doesn’t go. Dave acts like everyone should just grind away until they’re past retirement age. Of course Deloney agrees because he’s a yes man. Daniel GO!!!

[@lawandahilaire5057]

American expat here living in London. I do find that people living in the middle of America usually aren’t the adventurous one to take travel advice from …absolutely move for a year…that’s nothing! I’ve been over here for 13 years -best decision ever!

[@mjretrogamer4819]

As a dad it disgusts me to hear stories like Matt's. His dad knew exactly what he was doing. He felt that money was his, and manipulated his son to get it. And then not to pay it back after all these years is further proof he just wanted the money because he felt it was his and he probably has no intent of paying it back. There is a special place in you know where for this embarrassment of a father. And you can say maybe he was the greatest dad ever till this happened, its no excuse. This was not an accident, or a misspoken word in the the heat of an argument. This was intentional and he took advantage of his own son when his mother just passed. There were months when I wasn't sure how I would make the mortgage and it did not cross my mind for a second to take money from my kids, regardless of where the money came from.

[@JanetKing-g9c]

Who is Matt?

[@pce12345]

Lol I love how Dave brought up uncle Rico. I ❤ Napoleon Dynamite

[@katconnor6422]

Family can be a tough obstacle to success and happiness. My mom used to say "people like us don't have nice cars,bgood jobs, advanced degrees etc. I worked my butt off and almost tripled my income in 7 years by obtaining an MBA paid for by my company and being promoted 4 times. I pulled up in my dream car (an older model Porsche Cayenne) which I paid cash for and found for $3k below my original budget. I know I'm wrong for this but way she kept looking out the window at my car felt amazing. 🎉

[@PATRICIABlaschak]

Lllllll look ppl p

[@jaijai1132]

47:50 You picked a side in your parent’s relationship and that was clearly your mom’s. I mean you started the story by saying how he cheated on her and understandably that hurt you. But, you knew exactly what you were doing when you gave the entire down payment to your mom. Own it and move on instead of calling strangers to validate your actions. I say this from a place do love because I believe you can repair the relationship with dad but it probably won’t happen if you don’t own intentionally hurting him.

[@itsallperfectlynormal9805]

Yes and no. She left out some information that's clearly pertinent to the decision to give mom the full amount when she could've split it among them. I'm on the fence without that additional information.

[@3roachkidsdhe]

Babies don’t need much space and people in general don’t need space unless they are brought up to think they do . My kids are hardly in their room only get clothes. My oldest son is the only one who even sleeps in his room.

[@hillcountry_homemaker]

Same! We live in a two bedroom rental with two children. We are in the kid bedroom for bedtime. That’s it and the oldest one is the only one that sleeps in there 😂

[@coachclaudiawith_hope]

Amen

[@naomiemoore5725]

The lady on the call breaks my heart. I can't even imagine what she and her husband have been going through. Money is always a grub fest. As to real estate in California, the median home price (the entire state), is between $800K - $904K. I am in Santa Clarita and in a typical housing tract built in the mid 80's. House next door is a 2 story 3 bed, 2 bath, powder room, with attached 2 car garage and a nice back yard. Guess . . . $748K, and nothing special. There are no "cheaper areas." So the lady is correct, coming back isn't an option unless they want to do that. And they don't as they are debt free. I just wish them the best and smooth sailing from here on out. Glad they have a good neighbour, too.

[@GrandCanyonRVResort]

The lady that had household income of $230k, didn’t own a car, and was concerned about buying a $9k car. Please tell me she was trolling. What a joke.

[@jjkatz]

Agree some of these people are ridiculous 🙄

[@brookelondon8029]

Those are the people that I fast-forward through. And those who say I only have $3 million can I retire with dignity. Give me a break!

[@angorachic]

She just wants to be able to say to others, “We don’t own a car”. It is a lifestyle thing for her that she is trying to force her husband to go along with.

[@alisons9740]

No, she’s not. In a city the cost of monthly parking or hassle of moving vehicle for street cleaning, danger of break-ins and vandalism, plus gas, insurance, maintenance. She enjoys the freedom of a modern lifestyle like many people do. For them it’s an infrequently used toy / liability and she has other priorities. Kudos to her.

[@user-zb7tg5hi3t]

She lives in DC so I’m assuming she pays 3-5k/month in rent. Maybe that’s why. I do believe people call to flex sometimes lol

[@kimberlyspencer3645]

To the lady that repaid the down payment, her parents loaned her for the house. I’m surprised she just didn’t split it evenly between the mom and dad. To me that would’ve been the right thing to do since they were no longer married and they were both the ones who gave down payment money? I think that is part of the reason why the dad wrote that letter to her

[@ThemommaBear195]

So maybe don’t cheat. Just sayin’

[@PrestigiousProdigy]

Not even 5 mins in an Dave has me rolling. “These ppl are freaks”🤣🤣🤣

[@yodaddy4944]

-1:07:14 I bet John was biting at the bit to tell that lady she has a marriage issue/to get counseling/tell her husband she can’t breathe. Lol and Dave just cuts through her crap and tells her she’s being emotional lol loved it

[@kellibuzzard9431]

I think it might be the revese. They live in DC, chose an expensive area close to work with metro access and they do the occasional Zip Car rental on the weekend. The recent car was a piece of crap and that pissed off hubs. So he got a car, against their plan.

[@angorachic]

The woman is wrong. She is trying to force her husband to live the lifestyle she wants to live (telling people our family doesn’t own a car) and he doesn’t want to do it. If you are regularly renting cars, you need a car.

[@nodsib]

If I worked at Ramsey, I’d definitely try starting up a band called Left-handed Puppetry

[@shauntaijohnson4671]

BAhahah!

[@LittleMopeHead]

The Ramsey Show should keep reiterating about the presidential election and how it won't fix what's happening at home. People don't get it.

[@KaliG01]

Can we get some time stamps on these?

[@NaturalWifeyandMamaBear]

Love how James Child will put in funny little clips pertaining to something funny y’all said 😆 (football coach one this time 🏈)

[@LordBass]

It all starts with "I'll try to keep a long story short"...

[@alisons9740]

15:16 you want to go back to that unicorn dust thing…😂 Relatable!

[@yankos_]

2:00:00 No Dave... (I sound like "HAL 9000" from "2001: A Space Odyssey") BRK shares (later called BRK.A) were getting to expensive (now about $610,668) for anyone to buy. So another lot of shares (BRK.B) were created at a faction of the price (now about $407.10) to allow more people/entities to invest more affordably. I believe these were crated from the float of an existing company and renamed.

[@flashthecorgi2053]

FANTASTIC show today! It’s always a good day when the GREAT and WONDERFUL Delony is on! 🥰

[@shoujobarton7692]

😂😂😂😅why am I watching this episode and in your comments section on IG at the same time😂😂

[@reneeantwi-boasiako3974]

@03:45 "Good! Praise God!" Papa Dave 😂😂😂

[@leablackburn9660]

I appreciate the family money values in place One can't exist peaceful without the other❤

[@JamesTheHumbleSupplanter]

Great stuff

[@Elizabeth-uj8vn]

Concentrating on my career. Not looking for love. Ty.❤

[@wandajuul5150]

I live in Seattle. Skagit County, while more rural, is still expensive. No cheap condos there. All of western Washington is pricey.

[@kellibuzzard9431]

I'm your neighbor (in Sedro Woolley). ❤

[@mandypdx]

Agree. West coast in general. I recently sold my 1 bedroom condo for $400k in Oregon

[@SueHoppe-fb9fn]

Dave, sure wish your show had CC for us hearing impaired.

[@marysaltlife1427]

Hi, Sue, you can use the closed caption option on KZbin. Touch the screen then touch the cc in a box icon in the upper right of the screen. Hope this helps.

[@emakoo01]

⁠@@marysaltlife1427nope not available on this video 🤷‍♀️ good thing to point out 👍 I hope they add captions 😘

[@mandypdx]

@@emakoo01it’s available for me and I am writing this comment 7 minutes after you :)

[@flashthecorgi2053]

@@emakoo01It’s avaliable for me as well as the transcript down below. If you click the date and scroll down to the description PAST the explore podcast picture. There is a transcript as well that will give you the words. The close captioning is also available right by the settings, air play, and auto play buttons.

[@PageTurnerr__]

CC is available in KZbin settings 👍

[@chicabodes9817]

Get a construction management MBA here in the USA. Make it your mission to get employed by a Multi-national engineering firm after you complete your MBA. Make your way to EUROPE. ORRRRRR Eliminate all your debt, and buy a house in a European country. Houses are cheap. You can get a condo/house for less than 100K

[@daLoerdchen]

I guess it depends on where in "Europe" we are talking about. Where I live in western Germany, you pay about 500-850k Euros (540k-918k USD) for an average 80m² appartment.

[@karafisher9546]

I feel for the lady in Washington. If Dave would have let her respond, I think he would have learned that even though she isn't in the Seattle area, anything close to that area (and in the entire state of Washington actually) is quite expensive. She even tried to say that she had been looking for property for a couple of years before she was cut off. I do hope she can find something but the reality is that most western states are very expensive for older people to look to purchase a home. Very unfortunate and frustrating for sure.

[@mwhe3111]

Matthew call - you know Dave's mad when he says honey. 😁

[@IVECOR460]

45:20 your dad put half the down payment. You returned it ALL to your mother. You took her side. Deal with it.

[@KellyeStickels]

The Bennie’s is a good band name lol😅 Bennie’s for benefits 😂

[@RaeLoverOfBeauty]

Ummm she gave her mother the down payment back and told her she could choose to split it with her father. She should have just split it! Dad’s not wrong here I’m sorry!

[@kathleensmith4853]

Her dad cheated on her mom and probably destroyed his wife's world. In my eyes, her mom probably needed the money more.

[@lauvasquez7198]

First call. The lady moved there in the 90s and still complaining of what happened in 90s? Im confused

[@kellibuzzard9431]

Skagit Valley is not inexpensive anymore. Huge housing shortage here, thanks to the Sesttle market. Wish Dave was listening better when Linda kept saying that.

[@elissapoh7782]

Exactly. There’s no place within driving distance that is “cheap”. I’m just over the border in Canada - very similar prices to Bellingham WA - and am a Canadian millionaire only because I bought a very basic older starter house in my 20s that is today worth over a million. (30 yrs later)

[@NaturalWifeyandMamaBear]

Don’t rub the cruise in 😭 haha jk 😜 we can go in 26’ but not next year! Please keep doing it y’all! Wanna hang out with good folks like y’all. And I’m biased but y’all would love our little fam aboard 😊❤

[@jillgott6567]

So the land they built on was deeded to them and the others can not put a lien on it. Walk Away ! Not worth the negativity, hurt and pain. No money no manipulation. Just live on what you have.

[@syrleneclarke1299]

Yea Dave my people got hit a little in Barbados. They will restore.

[@jamiejohnson5748]

Is there a Canadian Every Dollar app?

[@cookieforawookie]

You mean Eh?Very Dollar?

[@derekcox6531]

@@cookieforawookieoh snap…that’s witty

[@buildit55]

Is uncle Rico a reference from Napoleon Dynamite??

[@chumbanga]

lol big time 😂

[@seanjean9677]

Sis should’ve split the down payment. You didn’t give your dad his portion of the down payment because you were punishing him for cheating on your mom.

[@roxannestaton6258]

That’s my thought too

[@itsadrie7461]

Agreed! She was really being fair and unbiased then she would’ve split the downpayment between both.

[@cloutm_anager8262]

💯 💯 I find it strange they didn’t mention this on air.

[@richardgreene9220]

The homestead was protected by investment of different people. Today the ownership should be divided by the percentage invested when purchased back from the bank.

[@aishatidwell3389]

I agree

[@Camie2030]

Crystal - as a daughter who received my dad’s inheritance and also help my parents, I find it disgusting what she and her mom did to him. I would have given him the money too. I find her entitlement just bc she helped out her parents during the hard time. This is definitely cultural. Asians would help their parents irregardless.

[@tinaharding9044]

I kinda followed your financial plans. After 30+ years my student loan is paid off. We were stupid with our money over the years and after my husband passed in late 2017 I took a job in TX and thought I would get it paid off then but it didn't happen. I left that job to take care of my mom when her nursing home closed but before I could get back to her, she passed in 2020 and then COVID hit. I took survivor benefits from my husband and did not work for all of 2020. I did start working minimum wage jobs in 2021-2023. Then I lucked out getting a job back in TX in August 2023. At that time I had enough of everything. I paid off $7k in credit card debt. I just paid off $18k in student loan debt in May 2024 after 30+ years. My truck will be paid off in two years I did buy a house this year since it is half the cost of renting here. I bought down the interest rate to 6% and I'm fixing it up so in two years I can sell it at a greater profit. Some times people just have to hit rock bottom like I did to finally do something about it. I'm 65 this year and can't retire. I make after taxes, health insurance, etc about $2,200 every other week. I use one full pay check paying my mortgage, utilities, truck payment and car insurance. The other check I will now start putting into the bank for retirement. I don't eat out but once every other week. If I want something I make sure it is absolutely necessary and I get it second-hand. I'm doing the rice and tuna fish diet - don't like beans. And my goal is not to retire until I have $100k and debt free totally before I retire.. I will get about $3k from social security so even if they cut it back by 30% I'll be okay. If I can do it, any body can do it.

[@naomiemoore5725]

Be proud of yourself. You have a great plan. Sending love and strength. ❤

[@tinaharding9044]

@@naomiemoore5725 thank you.

[@striperkid]

My Pops is retired and living in Fl on $2600 a month. He lives like a King. Yes, it can be done.

[@brookelondon8029]

I did not listen early enough to become a millionaire but I saved 100,000 in good mutual funds before I retired. My income is 2500 a month on Social Security, no pension and I am fine. Debt-free for a long time with a paid for house. You will be OK!

[@kratostomatoes8587]

46:30 Maybe you should have given your dad his half instead of playing morality police/feminazi/divorce judge with THEIR money(not your mother's).

[@seanjean9677]

Glad I’m not the only who thought this. She was wrong for that.

[@razorex251]

Well he may have taken half of what wasn’t his in a divorce and left them mom with nothing… never know the whole story in 5 min??!!!

[@ErikkaCherry]

What did the first caller call for omh

[@kellibuzzard9431]

😂

[@LordBass]

Word salad. Little said.

[@mellowbirddreamer77]

Called to gossip and complain. I regret listening to it. I can't stand those type of people. Either do something or stfu

[@Oglulubell]

Story 1. Sell and move as close to your children as possible.

[@30fery94]

I don’t really like the way they talked about Europe as if it’s not a nice place to live! I have been to the USA 🇺🇸 but I prefer to live in Europe! Daniel from New York can make good money in Europe and enjoy life better in Europe! Good luck Daniel 👌🏻

[@kellymartincallard6118]

from ontario canada, I love both dave and john, they are the only 2 i will continue to watch and take advice from👏🏼

[@gourabsarker9552]

Sir how much do you earn a year? Plz reply. Thanks a lot.

[@justanothercarnivore]

"...car accident or Mother's Day." 😂

[@ninachunca3675]

Thx

[@eyebrow1]

That lady was pissed that her husband got a used old car he could easily afford instead of catching the bus or renting a car for the rest of their lives like they agreed they’d do.

[@jessicamariethorpe]

I would love a follow up on some of these stories, like the son who's father borrowed $40k. I want to know if this father is going to be a decent person and own up to the loan & pay him back or if he's a coward and tried to use excuses...

[@MrPotsy81]

The guy who wants to go back to Europe probably loved his university experience. He is not realizing that it can't be repeated. He'll have an apartment and a job and schooling. I have been to Europe a few times and many of their societies are insular, it is hard to make friends.

[@eileenfuentes6975]

1:41:08

[@veebliss1266]

Europe man , just go ! Don’t listen to these people saying you need to work . If you have savings and can afford to focus only on your masters and have a break in Europe then DO IT! Be realistic with yourself about the good and the bad abroad !! Stay focused on your education and take the break you need! If you feel like you don’t have enough savings get a part time job out there 🤷‍♀️🤷‍♀️ I don’t believe someone can’t have a year break . Of course they can! We are human and he is NOT guarantee tomorrow’! So take that vacation and get your masters in peace not everyone can work and do school at the same time! And that’s OK!!! You’re not too old go do it!!! ❤❤

[@rhodoralopez7710]

Daniel, pls. take your gap year abroad & get your masters degree! You've worked diligently, will still have income from your rentals, & deserve a wonderful life experience at a young age. Youll come out w/ a very marketable advanced degree when alls said & done, whether you return stateside or not. As long as you dont go into debt, go for it!😊

[@HappyAbi16]

If "Rice & Beans, Beans & Rice" is not a band name, it should be.... 😂

[@tammybrown5983]

The kid /young man wanting to go to Europe. If you’re not married and no kids yet while doing so well.. you should definitely go. Whether it’s school or work.. one of the rare times I don’t agree with the advice given

[@AC-ly6tg]

Why they don’t move to Arizona? Near cali

[@mmp495]

Nevada is good too.

[@calgal5752]

Obviously Dave doesn’t know much about Skagit county Washington.

[@LiberDBell]

The teacher north of Seattle needs to just buy a mobile home cash with the money she already has. She has $100k it wouldn’t take all of that. Maybe not even half. Then she is out of debt and can actually consider retirement.

[@MrJeff007rey]

Dave is awesome. Great financial advice. But I only like Rachel as a co-host because she actually thinks for herself rather than just echoing Dave like others. Delony is insufferable.

[@BeeDee-qs9so]

To be fair, it’s unlikely his daughter has the same pressures or potential to be fired, as the others have. No wonder she doesn’t need to “echo” Dave.

[@edwardhale2412]

(BS7) cannot stand to listen to Rachel. Whenever she is on, I pass.

[@brookelondon8029]

I only listen when it's Rachel and I only listen to Ken's replies when he's giving advice about jobs. George is a snob and makes comments that I find offensive, like only going garage sales in good neighborhoods because those are the people who have good stuff. Jade gives great advice but I can't stand her interjections like she's saying "amen" at a church. The thing that bothers me about all the cohosts is that they forget to say things that Dave would have. They all need cheat sheets. So fortunately now I can tell if Dave's going be on because I only listen my car. Yelling when one of them says something stupid, unfortunately, doesn't activate the off button lol.

[@DericAnslum]

...that's only when Dave allows her to speak or isn't talking over her like she doesn't exist...

[@rhettbutler7886]

Is amazon a good investment?

[@brookelondon8029]

Not as a single stock but if it's part of a mutual fund group of 200 companies or more I would feel comfortable.

[@TheGomez1105]

“You’re like a grown man and stuff.”😂

[@snackman2005]

I wish it would revert back to the Dave Ramsey show. Or the Dave and Rachel show.

[@johnparker4484]

That would be dumb. He’s intentionally building the company around other personalities as he ages so that it can continue and do well even when he retires/ passes

[@snackman2005]

@@johnparker4484 so you are saying his daughter couldn’t carry on?

[@edwardhale2412]

@@snackman2005 (BS7) cannot stand to listen to Rachel. Whenever she is on, I pass.

[@snackman2005]

@@edwardhale2412 she can be annoying at times. Not as annoying as the other co hosts. Sometimes she even challenges Dave.

[@DericAnslum]

...Dave is obviously in the Legacy phase...these days are behind...

[@TheGomez1105]

Aunt Sally who got her real estate license 3 weeks ago has to start somewhere.

[@Notnow78]

Wait, did i miss something on the call about the daughter giving all 35k to the mom and then blaming the dad for being upset ? I dont think they asked about it. I feel whoever didn't get anything would be right to feel upset about it since it seems like you prefer the other parent. Why leave it up to the mother? You are the one who whats a relationship with your dad, your mom no longer have one.

[@cynthiawaldorf9353]

I'm glad Dave called that lady out on picking on her husband for buying a $9000 car when they make a huge income. Dave was right. She's being emotional instead of addressing the real issue. I bet shes the saver in the family or she doesn't like the car or both..😊

[@Fog_of_War123]

I work fulltime, and taken care of a family during which even through baby years, I got my MBA and working on my 2nd masters. That dude can go to school and work. Man up!

[@katmac5045]

Aw come on guys Crystal should have split the money between mum & dad

[@Joce123]

I just could not get to the crux of the matter with the woman who was worried about the trust fund... If they have a great life right now and they lose out on any benefit from the trust oh well..

[@Trustbutverify2651]

It is a legal question for an attorney and, once again, the RS people answer questions they are not qualified to answer - and this team seems totally unable to say, "I don't know. You will need to check with an attorney on this one." The lady was calling in about an irrevocable trust which is different from a revocable trust. In general, a revocable trust can be changed at will, but an irrevocable trust cannot be changed without securing the permission of the beneficiaries as well. So she should be fine, unless there is some forgery going on with the original documents. I don't know if she has a copy of those or not. If she does not, the cost to hire an attorney to actually claim the money might cost her all the money that she is concerned about. What she could do for less money is simply to hire an attorney to see if the irrevocable trust is still in force or if it has been changed and then decide how to proceed from there. However, attorney's fees generally are upward of $500 and hour and that adds up fast.

[@brookelondon8029]

She moved to be near them and they thought life would be one way and it wasn't. It sounds to me that those parents might be in the beginning stages of dementia because physical violence sometimes does occur when people get that confused. A lot of people aren't good at figuring out what to do. I think they got great advice. Move and just let it go. And I like when he said about keeping it in your head. It's difficult to stop your brain from doing that if but they could both agree on letting go, both see a therapist to get some advice on how to do that It would be a big help. I wish them luck.

[@kristinsewell2949]

The caller from Skagit County needs to look at eastern Washington to afford what she needs.

[@MsValiG]

I would tell the kids that Grandpa is getting old and his brain doesn't work right anymore he's sick and that would be the end of it

[@TheGrantrepreneur]

I disagree with Dave that creating a competing agency and then inheriting clients from your previous employer is thievery. I shouldn’t be villainized if part of a fee market likes me better than it likes you. I wouldn’t do it to family, but I’d absolutely poach clients from previous employers if I can do a better job.

[@isidorolopez265]

I got an interject one very important thing here. Second call I believe maybe first Carla I’m not sure 25 years old. He has put in enough time in the system to have a mess all the money he has and everything else he’s talked about. He’s not old enough by any means flat out face face lie

[@OldSlow]

Do you ever trust someone that does commersials..

[@Trustbutverify2651]

Linda - you might need to move to another state. There are still states where you can purchase a decent house for less than $150,000. If you have a low income and few assets, in many cities like the one where my Mom lives, you do not have to pay real estate taxes. That could be a savings of $300 a month - and you would not have that advantage if renting. Also, you can continue to work from home part-time for several more years or you could rent out one room if you found the right kind of house and the right person. Taking care of your financial future is the most important step for you right now. Even if you have to move away from family, they can come and visit you. Take a 30 year mortgage if that's all you can qualify for and make extra principal payments. You sound motivated enough to pay it off as soon as you can. YOU are responsible for YOU.

[@TammyCondren]

The father who borrowed the $40k from the son has no intention of paying him back! Shameful!!! I hear caller after caller that has issues with speaking the truth. I don’t know why it’s so difficult to tell ur father that he needs to pay the son back. I get family issues but come on.

[@3roachkidsdhe]

Uncle Rico

[@KandaceRogers-ow6tp]

She should have split the down payment between them both since they both gave her the down payment. I feel the daughter was wrong to only give it to the Dad. She was only mad becauase Dad cheated on Mom. She was wrong for that.

[@jeremy_logan]

Clicked for Dave, can't stand the rest of them anymore 😂

[@cookieforawookie]

Same - I don't watch any other shows. I'm sure they see the numbers. I will occasionally watch a Rachel/Jade/George combo show, but Ken Koleman- no thanks.

[@Davefitz04]

@@cookieforawookieKen Coleman is my second favorite!!

[@joshwalden2368]

Some people are just one of a kind…Dave Ramsey, Paul Harvey, Rush Limbaugh

[@shanehanooman9132]

@@cookieforawookienumbers are up without Dave

[@Joce123]

​@@cookieforawookieI purposely seek out. Ken Coleman. I have watched him mature as an anchor for the Ramsey solutions. He is exactly what some people need.

[@zkc16youtub]

Embarrassing that a fellow TTU grad, at any level, particularly one who claims to posses a PhD, uses terms like "me and him." Please stop, Delony.

[@kellibuzzard9431]

What's TTU? Texas Tech?

[@notgivingmyemail3381]

I think he claims to posses two PhDs.

[@Trustbutverify2651]

@@kellibuzzard9431 Yes, Texas Tech. He got his first degree from Lubbock Christian, and then a Masters in Education and a PhD in educational administration from Texas Tech. He is not a clinician.

[@flashthecorgi2053]

@@notgivingmyemail3381He doesn’t “claim” to posses two PhD’s lol. He point blank HAS 2 PhD’s. One in counseling, and one in higher ed along with a masters in education AND a bachelors in psychology!

[@flashthecorgi2053]

@@Trustbutverify2651 ⁠Dr. John holds a Bachelors in psychology/ humanities, Masters in Education, PhD in higher Ed, PhD in counseling. That was a clinical counseling practicum (Matter of fact, John’s had his counselor practicum supervisor Dr. Michael Gomez on his show to advise him before.) John taught counselors how to be clinically licensed counselors and was an LPC in the state of TX before choosing NOT to get relicensed in the state of TN. So you are correct he is currently not a practicing mental health professional BUT he was one in the past and has the knowledge, credentials, and experience to speak on it. He’s also a former crisis responder with the police department and has extensive experience in how to counsel people in grief and traumatic situations! So NOT only does he just write about mental health, he’s also counseled people in practicum, and in real life messy situations and continues to this day behind closed doors, on stages, and on the phone.

[@mwhe3111]

Anna call - how much money could you possibly have lost by her becoming their maid? Let it go.

[@BigWolf_87]

Anything financial I agree. But, doctrine wise, there is no where in the Bible that says you have to "tithe" . I think people do it as a formality.

[@TheGiggles1989]

Leviticus 27:30 “A tenth of the produce of the land, whether grain or fruit, is the Lord’s, and is holy.” Proverbs 3:9 “Honor the Lord with your wealth, with the first fruits of all your crops.” There are a few more of those but that’s where the idea comes from, not a formality.

[@johnparker4484]

Dumb dingbat

[@BigWolf_87]

@@TheGiggles1989 What I mean is in a church setting. I do not agree with that. Not giving my money to a church and not know where it is going.

[@TheGiggles1989]

@@BigWolf_87 Oooh. Yeah it doesn’t say that it’s limited to church. Personally, I give a monthly donation to local charities that helped me in the past

[@BigWolf_87]

@@TheGiggles1989 yeah, now stuff like that makes sense because you know where it is going directly given you know the organization. I am for giving when it is necessary and all but for a church in particular, for all I know my money can be funding their life style. Like you I would donate money to organizations that serve a purpose. Or, even something like tipping a server at a restaurant for doing such a stellar job- something i do when i do receive good service. I think some people take it literally and limited to a church setting sometimes.

[@vicmedina1176]

Matthew get your money your mom left it to you, shame on your dad

[@regina4538]

Crystal you should have split it between ur parents! He may of sent that letter for closure and u were petty by sending one back! Bye Felicia 👋

[@myoldvhstapes]

May have sent. "Of" is never a verb.

[@regina4538]

@@myoldvhstapesTy crystal

[@calgal5752]

I feel bad for Matthew. Unfortunately his dad is a jerk.

[@miryamishot]

When will people learn not to build on a property that is not theirs? Or move because they want to be close to their family? People change and people get mad so why upset your life over nothing? Move Where you want to live don't move near your friends or family just in a nice place where you don't know anyone and you're happy to live there and you build your own life. Stop trying to build a life from movies.

[@hugosantesteban2681]

they are not married yet and the guy must put his savings to solve the debt of the future wife? is she putting half of the property at his name? with all the problems nowadays specially in the west, its a big risk. A single problem, he will get no money and no house whatsoever . . .

[@sephythelark]

I swear some of these people call just to be on the show

[@mwhe3111]

The lady whose hubs bought a cheap car they could afford needs to chill.

[@monicadhenderson8670]

Dr John, Why are you talking about breaking relationship with family members (sisters) thats not possible! Family is for life!!!

[@msparr01]

I googled homes for sale in Skagit county Washington. That lady seriously needs to move out of there. It's a very expensive place to live. She'll never be able to buy a home on her income or even pay rent. It amazes me how people cannot see that on their own.

[@calgal5752]

If you think that’s bad, look at Seattle.

[@PrincessLolly1]

I think she was looking for “permission” to get a 30 yr loan. In her income situation I think she should and later refi into a 15 if rates ever come down again. John was about to suggest she move but she would lose the future pension growth and face age discrimination when trying to find another job. Plus, she needs a support system that would be hard to rebuild in a new place as an elder. These guys don’t think about all the barriers single income seniors, particularly women, face.

[@msparr01]

@@PrincessLolly1 Skagit county is probably a gorgeous place to live and she loves it there. She needed to move away at least 25-30 years ago. It would take a 60 yr mortgage for her to buy a home. I do sympathize. It's a tough situation to be in.

[@josephbanks9897]

They are fast to tell someone to sell their house. Like, they don't know what's going on in the real estate world today.

[@johnparker4484]

Yes they do

[@jjkatz]

I’m 66 ( like Linda) it’s highly unlikely I’m going to live 30 more years until 96. ( or would I want to unless I was in really good health) Dave is so unrealistic.

[@regina4538]

I wouldn’t buy a home she’s better off renting w a roommate

[@amireallythatgrumpy6508]

Still got to plan for having a long life and having living arrangements in your 90s.

[@DericAnslum]

...so who cares if you die owing a mortgage...?...

[@Jay-ry2nk]

she's crazy.I understand why your dad's mad He gives you thirty-five thousand dollars to save the house, and you take the thirty five thousand give it to your mom because you're dad cheated on your mom