"Your Parents Are Being Twerps!"

[@quintincastro7430]

“Cut yourself loose from fools” advice to live by

[@jimroscovius]

First mistake - buying a house with parents. Don't do that!!

[@rachelgee7894]

*anyone you're not married to

[@jimroscovius]

@@rachelgee7894 Agreed.

[@vickieclark5931]

@@rachelgee7894 So true.

[@sawyersprott]

@@rachelgee7894 Definitely

[@elizabethblane201]

Why is that? if all the terms are clear, all is legal, etc?

[@KaiaLoken]

As an emotionally and fiscally abused person thank you for the clarity and directness of language and thought

[@laneesha1000]

Her parents are WRONG for putting her in the middle of their BATTLE! Dave got her together real quick😂😂😂

[@JesseJane142]

It wasn't her parents... it was her father.

[@grim-vale]

I love how angry Dave gets when people try to take advantage of their family. He's got a real heart for justice and for calling out people who are- in his words- Twerps.

[@leeanneg7247]

Getting angry helps no one.

[@isaiahnegron9500]

This young lady must be so sweet and she’s being taken advantage of left and right. Lord protect and guide her.

[@sitcheyr9352]

Dave did an excellent job breaking down the office of parents and honoring them. So many misunderstand this and withstand abuses beyond comprehension.

[@kristencobb230]

I’ve been in a similar situation with my parents. I was the one who divorced, due to abuse. Parents wanted me to stay in the marriage to save “their” two houses. One was deeded to us, the other we owned and they lived in with rights of survivorship. It was worse than the divorce! They did crazy things to undermine me (lifetime movie behavior). I had to move out of state to create distance and sanity. We barely talked for years. We have mended fences, but it was truly one of the hardest things I’ve ever dealt with. NEVER, EVER do business, including real estate, with family. My husband was totally “normal” when we made these real estate decisions. We intended to live there forever. Then mental illness crept in and everything changed. You never know folks. Life throws curveballs. Protect yourself.

[@patriciaalbertson5183]

AMEN.

[@doctorposting]

your parents are way worse than even this dude, good lord

[@LovesLakes]

As a parent to adult children, I can’t imagine guilting them to stay in an abusive situation. In my own family someone was guilted into not marrying at all so they could look after their mother.. This was over eighty years ago and there were no social safety nets for her but still…

[@ClaxtonBay123]

OMG I missed Dave! The other team members don't have this kind of energy! Straightforwardness!

[@machutson5493]

Dave's been doing this a lot longer and has heard everything. He can be the Uncle Dave the callers need to hear.

[@marsbase1357]

Why what happened to him

[@jasonmorgan5058]

used to be just him. show sucks now. used to be about money.

[@droid2D2C3P0]

@@marsbase1357 nothing, he's just retiring and on the show a lot less now

[@ONLY1KUDWE]

Facts

[@carolynstewart8465]

She doesn't really want the answer.

[@roadrunner9622]

It feels like many of these callers already know what they have to do. But they're hoping these "smart money guys" can help them get out of it.

[@Artlifeike]

I like Dave he says exactly what’s on his mind and don’t sugar coat nothings I wish the others were more like him.

[@kirapoodle]

Well, he is the boss, he can say whatever he wants. The others don't have that luxury.

[@jculver1674]

Not quite. I think "twerps" was the nice version of the word he was really thinking of.

[@bad2infinity]

Ikr! Dave does these the best

[@Lon1001]

The difference he actually knows whereas all his cohosts merely understand.

[@fhuber7507]

Except he will always take the woman's side without listening to the guy at all.

[@QueenStylin]

I hate when callers don’t give Dave ALL the info upfront.

[@tugboat2030]

He should have asked though. It's reasonable to think that if she's discussing buying a house with her dad that they were both on the deed.

[@chipm2544]

The caller unnecessarily blew thru multiple opportunities to add that key piece of information! Why? Made the discussion longer, tortuous & more confusing than needed.

[@Matt-cr4vv]

Dave can’t anticipate the situation to be this stupid if he isn’t told about it. She went on and on and didn’t think she should mention that there was no formal paper tying either of her parents to any legal claim on the ownership of this home. And the idea she’s allowed this to hold up the home for five years or so is absurd and is clearly an example of people who don’t understand the process. And it clearly cashed the advice entirely.

[@fire12731]

Mevtoo

[@saphira087]

Sometimes because people are so close to a situation, they forget that the people that they are talking to don't have the "goes without saying" information that you know so innately that you forget to mention. She mentioned it when she realized that she forgot to explain; when he prompted her with wrong information.

[@lms2379]

Love the line "this is not about money, it's about fools." Going to miss Dave so much when he retires!

[@fenomfangx]

8 MINUTES before she said the parents weren't on the title. That completely changes EVERYTHING.

[@Mouthymensch]

that honor the parents thing made me stay in an abusive relationship with my mother a decade longer than I should have. Took me so many years of struggling and understanding the caveat of abuse and redefining my faith. appreciate the validity dave just gave lol

[@unlisted8042]

I love when Dave is on the show because he just gives it to you straight.

[@Myglowtips]

This lady is not seeing, how awful her parents are. She is not seeing what a terrible situation her parents have placed her in. I agree, walk away.

[@abbasjoy4785]

You have no idea what narcissist abuse does to people. Your neural pathways are freaking destroyed... it's all manipulation.

[@cuz129]

Real tough love. Nobody shows more common sense wisdom than Dave.

[@dirkl9652]

"Cut yourself loose from fools". There are many Ramseys but only one Dave Ramsey 😁

[@tarawillis3995]

no one else could be that prophetic pfft

[@Proverbs1Christian]

I’m British. My mum did the same thing. She helped me find a property to buy, insisted on her name being on the deed, but then didn’t pay anything towards it. She then turned nasty when I asked her name to be removed, and asked for 50:50 from a sale. I talked to a lawyer, threatened with court action to dissolve the joint ownership and get a judgment on a division of shares. Once I threatened this she backed down. Destroyed our relationship but I blame her for being a greedy trickster. I’m a Christian and tried to honour her, but she dishonoured herself by trying to rob me. She follows another religion and is going around complaining how her daughter ‘wanted to take her to court’. I still pray for her but I sure am glad her name is off my property.

[@R_S747]

Wow.... Awful. Im sorry you had this... Thing... For a mother

[@opinionbytriz]

I'm sorry you went thru this. I hope that your mom comes to know the Lord & repents. For her own soul's sake first & second so that maybe you can reconcile ❤❤❤

[@castle199]

I love Dave. Especially when he gets mad. He's the funniest.🙌🤣

[@jeanmccallum5034]

Yes plus he cares the most.

[@radfoo72]

When Dave raises his voice "Did I Miss Something?" because the caller doesn't realize her own parents are attempting to manipulatively extort her financially🎯

[@infotechsailor]

What's Dave's problem tho her dad is owed 5k plus his 10k in labor. He's not far off with the lien.

[@katie8325]

@@infotechsailor it’s a shocking thing to do to your own daughter

[@andrew8168]

​@@infotechsailor half that is her moms because conservatives volunteer yo be graped by the courts.

[@Nerissadesouza]

He WAS owed that until he did what he did . Now he's owed jacksh*t. @@infotechsailor

[@bonnie5596]

Dave, thank you so much for clarifying that verse to honor your parents. It has relieved some conflict that I have struggled with for several years.

[@chrisstafford8496]

Please don't use Dave as a Biblical resource. He spouts everything he believes on all topics as absolute fact often without any real investigation. If you are truly conflicted about a verse read it for yourself in context and maybe ask someone who has been to seminary who spent a few years studying how to understand these things in context.

[@gcromer903]

There is a scripture that says parents do not provoke your children to wrath. Parents have responsibilities toward their children too. Hope that is helpful. 🙂 peace

[@KunchangLeeMusic]

Same here

[@KunchangLeeMusic]

@@gcromer903 thanks for pointing that out - needed to hear that

[@richricogranada9647]

Dave is more than self sufficient and DOES NOT NEED another person answering the questions.

[@michalaherrerashanks4941]

The dad we all need DAVE ❤

[@BlueBoxGirl1837]

People call Dave but they are not ready to hear his honesty and direct answers

[@stuffykong]

I think sometimes people are hoping for some kind of magical alternative that they hadn't thought of that fixes everything with little sacrifice. And he always comes back and says it's the basics and the thing they are unwilling to do. But yeah it's great that he reiterates you can't fly by and wish away problems you got yourself into in the first place.

[@edwardr.gheraii4716]

Nobody gives advice like Dave! Please give us more personalities like you Dave!

[@ElizaRad]

Loved how he just pressed a button, and mutted her. It was like, okay, now you listen, cus that's why you called 😂.

[@johnnyhoang4444]

The dad seems like a real piece of work

[@austinkopp9811]

Absolutely right at the end there! Honor the office, the title, the rank. The person in that office, title, or rank has an obligation to live up to the responsibilities and honor associated with that office, title, or rank.

[@MooMoo69556]

Ok but how. I hear people say this but I don’t understand what it means and no one can explain it

[@legony1]

Dave brings a directness and bluntness that the other hosts just don’t have. If Doloney had taken this call, he would have spent several minutes asking the caller “are you tired??? 🤡”

[@radfoo72]

🤣🤣🤣

[@davidjimenez7719]

😂😂😂😂

[@aao449]

Are you safe???????????

[@legony1]

@@aao449 😂

[@X.boobie.x]

@@aao449 aint no way!😂😂😂

[@benkelley6561]

This is one of the best calls I've ever heard on the show and Dave shows why he is the best! Straight, to the point, does not mince words. I think if I may theorize, that the caller grew up having to tiptoe around her parents. She tries six ways from Sunday to come up with a way where she can give them some money and everything gets resolved peacefully. But Dave is right. At the end of the day, the parents are not owed any money and the dad especially is just being a b***-hole.

[@eduardobispo9613]

My in-laws paid my wife studies until her PhD and helped me at the beginning like a son! They are good with money and they generosity is through the roof. We are so fortunate my parents would do de same if they could but in Brazil the situation is very different. When I see some parents screwing their child life I feel sad if you can’t help don’t mess. I only can afford one child but this girl will go to college debt free.🙏🏾

[@dummgelauft]

This a mostly an anglophone world, particularly North American problem.

[@ladynotricks1232]

Thank you for answering the part about honor your mother and father. I have struggled with that even though I escaped an abusive home, but my want in following Gods word pulled me back into their lives after becoming a bit stronger and with my husbands support I was able to lay everything out on the table to them. Yet while they have mended a lot of their ways they still do things that tear open old wounds and scars that never really go away completely. They just mend again through my husbands work and the work of our Lord who Blessed me with him. Bless you Dave and everyone on your show!

[@patriciaalbertson5183]

Just a question.. Have you heard of Henry Cloud and John Townsend? Write books on "Boundaries". AND "Toxic Religion " about people twisting God's words/the Bible to suit their own needs...

[@budgiebirdy]

My dad would never, ever, ever do that to me, but if I had parents who did that I would gleefully lose money to spend money on lawyers to sue them and teach them a lesson.

[@burly636]

One thing you’ll learn in life that you should never say never. Just that can be a hard lesson to learn if it’s under bad circumstances. Don’t say never.

[@budgiebirdy]

@@burly636 My dad would NEVER do that me.

[@audreywalton3140]

"gleefully teaching people lessons" tends to end badly for all involved

[@bridgettetraveler658]

Thank u Dave for clearing up Honor Thy Mother & Father! If it hurts u to help family or friends for your own sake u should do as much as I can without hurting yourself. But when it hurts stop! We must think of ourselves sometimes!!!

[@aarvind3901]

It hurts dear, I wish I could do that to my parents years back. Still now I haven’t recovered

[@patriciaalbertson5183]

We are not suppose to do for them, as Codependents. We can help for a short time if they are disabled or something serious....but not save them from their own mistakes!

[@craighendricks2994]

Yes Dave is all about getting to the point! I love it. These other personalities would fumble this question.

[@kbanghart]

No they wouldn't

[@candy2325]

So true lol. They would just regurgitate the baby steps and to pay debt lol

[@spencersmith312]

“Wow! I love these hard hitting truths from these Dave Ramsey sidekicks. They are spitting fire all the time just like Dave Ramsey!” - Said No One Ever.

[@Jim_Curtis]

I think she needs to approach this logically and seek legal counsel to force a sale of the property.

[@gregoryhellman6488]

Love Kristina’s faces during Dave’s comments!!😂

[@jdjose3268]

She didn’t say a word

[@mikec.4343]

150k income, 1/2mil net worth. Why did the old man have to come up with $5k for the down-payment in the 1st place?

[@tugboat2030]

Because the parents were in Chapter 13 bankruptcy!

[@hvaball150]

she lied throughout this segment. you believe the net worth?

[@mymai5859]

She didn't lie. Seems like the butthole Dad wanted property but couldn't get any due to his previous bankruptcy. He got his daughter to sign up the property but behind the scenes the Dad acted like the owner but in reality has no legal rights.

[@JJ-mn8md]

My head is exploding! What a great dad! Unbelievable...

[@1947shadow]

It is so refreshing to hear common sense from you DR!

[@mattotis8412]

Soon as Dave referenced the Springer Show I started chanting Ramsey Ramsey Ramsey Ramsey 😊

[@susannangwale6148]

The sound of the daughter crying breaks my heart

[@wolfgangtritone1280]

Don’t buy a house with anyone other than your spouse. Because there will always be problems waiting.

[@yanak7159]

This show is not the same when Dave isnt here 😁.

[@misterE-1989]

John and Christina can go. They don't add anything. Possibly deduct.

[@Mosesusorer]

@@misterE-1989 and Rachel. And Ken. And George. They just don’t bring anything unique to the table

[@lanceehrsam8296]

It's mostly unwatchable when Dave isn't there.

[@leewuo4443]

Wow but so true.

[@leewuo4443]

But someone will have to step up and take his place, is there anyone talented?

[@swayzieandchinita]

When he talked about guilt 😂 YUP, amen to that. 😂😂😂

[@ryankiel4895]

There is a healthy side to guilt. It should drive us to repentance and hatred of sinning in the future. And lead to the love of God whom we have offended.

[@noheader]

I am so thankful I don't have my relatives in my life. Both sides of my family have done despicable things to each other. They are otherworldly dysfunctional. I disowned them all years ago. My wife and I have built a normal family and the years of peace without blood relatives has been priceless.

[@JustinCase780]

"On The Jerry Springer Show..." -Papa Dave 🤣

[@patriciamurphy954]

These people are like my parents. They think they are above morals. How can people justify themselves to do this.

[@gabbyaboutbooks]

🤣🤣 I was going to say us Catholics do guilt pretty darn good 🤣🤣🤣

[@themusicman669]

That’s not something to brag about😂

[@themusicman669]

*Us Catholics do emotional manipulation pretty darn good Fixed it😂

[@ainehennessy7071]

I was about to correct him regarding guilt and then Dave did it himself- I don’t know any other religious group that does guilt better than us Catholics 😂

[@maggiew6200]

Amazing response & Fabulous Advice!!!! Get away from fools at all cost!!!

[@baileyclark8710]

Dave is always straight to the point may say things that you dont like to hear but it is good advice to the questions and he dosent allow people to bs and poke around. Not many people do that anymore. I always tell my kids i may not be the one that tells you what you wanna hear but i will tell you what you need to hear. And they all have a fantastic mindset

[@robertthompson5908]

I’m not a lawyer or real estate expert but this seems like a no brainer to me. Her dad has no ownership in the house, he just slapped a lien on it - sue him to get the lien removed.

[@hvaball150]

what? he did the work. he gets the lien. she lied throughout the conversation. he will get 20k if not a partner, and 30k if a partner.

[@babydollkincaid4584]

NOPE ​@@hvaball150

[@betsyoman7173]

You don't honor someone by letting them continue to sin. Especially when the sin is against you! You honor them (and love them) more by doing what is right! And by doing what is good for them! You don't honor (or love) an alcoholic by giving them more alcohol!

[@kentjensen4939]

Sometimes, no matter how much you love or care for someone, you can just let them absorb the blow of the consequences of their actions.

[@patriciaalbertson5183]

That is part of what LOVE IS! Letting them face their own mistakes, so they can grow up!

[@teamTLW]

I need an update on this one! I hope she did exactly what dave said.

[@JackyHapy]

Love Dave’s “straight shooter” advice, you either take it or leave it 👏🏾👏🏾👏🏾

[@MrGrapesforall]

I would never let my parents into my financial life ever again

[@sarahgoss2655]

I so agree she doesn’t owe them anything.

[@aarvind3901]

😢I was in the same situation , my mother took money fromme to pay off my brothers debts and later declared to the whole world , that I paid only half of what I claimed as paid. I donno y these things happen at all. I should have told a big NO to my mother . It is not strange Dave, as u said in the show, parents who are self centred and selfish will go to any extent

[@allenone6970]

The parents are not jerks, twerps, buttholes, etc. A bunch of us knew very quickly they are narcissists. It's all about the power, there is nothing else to know. They dont care who gets hurt. They are totally selfish. Dave is right. Get out. Sign a quit claim, leave, now, today. Never go back. .

[@amireallythatgrumpy6508]

The fact that they are American proves that they are jerks, twerps and buttho.=les

[@sobeliever1638]

Narcissists are jerks

[@thriftyfashionation3321]

🙌🏻🙌🏻🙌🏻

[@hvaball150]

you didn't watch to the end. she lied the whole time. nothing to claim. she conned him.

[@vaska1999]

Narcissists are jerks, twerps, buttholes, etc.

[@elpatron7916]

The mechanics lien is valid Dave. He did the work

[@leaannmccammon4404]

Dave : You have been a great blessing to my wife and I. We are christians and looked up Christian Financial Advice and got you.. Not quite debt free but close!!! Thanks, Randy and Lea Ann

[@dianethompson6804]

How can someone put a lien on a property when there is no written bill for work done?

[@zybard01]

4:59 And Dave let everyone know he is back in the studio

[@reviewsgoodnbad7695]

Dave is that mad Uncle who tells the truth, how it is.

[@00177454419]

I can identify. I have a cousin like this. This is how abusive relatives are . They take and they take and they take. It sounds like the father AND mother were owed a few thousand dollars which the daughter and her husband were willing to pay above board. But that wasn't good enough for him. Dave's advice was absolutely right. If it's at the point where the father has imposed an illegal lien, they have to fight this legally. The best outcome here is that they have the lien removed and keep their parents at arms length.

[@hvaball150]

she owes 5k for the down and 20k for the work. so there is that... if she didn't lie about some partnership. she owes 30k. Dave fell for her lies.

[@lukerider479]

@@hvaball150 or maybe it’s not her house or maybe there is no house at all and it’s all just one made up story. You can’t just make stuff up. What should be concerning is how much her dad is a piece of trash

[@aliceserafin7613]

I love this show! Helped me alot!

[@jillgott6567]

Dave needs to not yell at her. She is not the problem her parents are. So sad she has to deal with this. You are always your parents children and she wants a loving relationship which will not happen

[@JustinCase780]

He's not "yelling at her" he's yelling at how F'd up the situation is and trying to help her get out of it.

[@tylersanders2388]

You’re wrong about this. Her parents did illegal garbage with her and that’s primarily what he’s yelling about. She also participated in creating this situation so she isn’t 100% guilt free even if it’s her parents who asked

[@themusicman669]

Just because they’re your parents, doesn’t mean they’re good parents.

[@random-nz7dy]

I disagree. Family guilt can blind you to the reality of what is happening and for this young lady, she needed to hear a strong voice tell her that her parents are being terrible people. Gentle beating around the bush words aren't going to get it through her head that her parents are manipulative and they're using her and being jerks.

[@hvaball150]

she is mostly in the wrong here, if you think this out. Dave over reacted. she should pay for dad's 20k in contracting. she knows it wasn't a gift.

[@joshuamorales1113]

That’s my guy Dave. I love you bro

[@thenewwayhome]

Another repercussion that burdens the children because of parents that can't choose to be mature and fix their life problems as normal adults. Twerps, alright.

[@keegansmom2008]

I would love an update on this one!!!

[@pawelwisniewski6849]

Check if the lien was filed properly , might be not legal lien , have lien attorney to check on it for couple hundreds . Liens needs to filed on strict timelines , I’m sure he didn’t do it properly

[@klmegm197682]

Well said, Dave.

[@9liveslisa]

I would walk away and say "Sayonara"! And give him the $20K and tell him to choke on it.

[@elizabethallen4353]

Classic Dave. Love it.

[@n.w.414]

When they have the house free and clear I would get a police/lawyer report(can’t think of the right word) that says that neither of the parents are allowed on the property. Who knows what that old dad would do.

[@Kai77-24]

Dave is offering freedom. Love his tough love attitude. Dad's still a twerp.

[@John-bd9fj4435]

I genuinely mean it when I express my stress and concern regarding the market crash and high inflation, particularly in relation to my retirement. I have been experiencing losses for quite some time, and while some may argue that crises can present opportunities, I am feeling overwhelmed. However, I understand that investing is a long-term endeavor, and it is crucial to maintain focus on the bigger picture and the long run.

[@John-bd9fj4435]

I have experienced significant losses, and I am holding on with the hope of recovering them. It is evident that I am in dire need of assistance

[@John-bd9fj4435]

It seems that *JENNY PAMOGAS CANAYA* possesses extensive knowledge and a strong educational background

[@jackpalczynski7884]

What on earth are you people investing in? I'm in simple total US stock (VTI) and total US bond (BND) and have been making bank, especially over the past year. So much so that I retired last June and am getting more in investment returns than I ever made working.

[@vaska1999]

​@@John-bd9fj4435Stop spamming!

[@theresamc4578]

I am not so sure she gave Dave all the information. She held back about Chapter 13. There is some reason she doesn't want to involve a lawyer.

[@HangNguyen-ih8rf]

This is the best Dave reaction ever it’s epic 😂😅🥰

[@dummgelauft]

Epic "It is not about money, it's about fools"...lmbbo😂😂😂

[@sdm1568]

Fit check: Dave was looking tight and drippy on this episode - the forest green Oxford was sharp and proper, very reflective of his utilitarian, no nonsense swag. Gonna give this one a 9/10.

[@TheDjcarter1966]

Definitely go to court to get the lien removed. Then because it is all yours they have ZERO rights to it. Now morally you do owe your Dad $5k for the down payment but they were married at the time. Then something for what they put into the property if anything. Just to keep everything equal I would morally keep 50% then split 25% each between them and just say...the end.

[@hvaball150]

or pay dad for his extensive work fixing the house. dave should have retracted this one.

[@rhonda8231]

Sounds like my father. He abused, stole from me and lied every chance he got. I tried so hard with him. Eventually I saw him for what he was, instead of what I wanted him to be. I was honestly happy when he passed away. It was tough.

[@thefrugallifehacker1225]

Parent misbehaving, just ignore him and his threat. Back away from him, will it work to ignore him? The answer is no because he will spread lies to anyone who will listen. Dave's lesson today brings happiness!!!!! 👍

[@NicholleWillisLoves]

"You have no moral obligation to people who try to cheat you"

[@hollyb6885]

How can someone put a lien on a house without proving that money is owed to them?

[@hvaball150]

bingo. he did prove she owed the money. she left lots of details out. Dave realized this at the end.

[@stephengamber7000]

You have no moral obligation to people who try to CHEAT you!

[@josephevans1265]

This is a great call.

[@throughmyshadow]

The whole time I’m thinking the house is $65k, their net worth is $500K, they make $150K/year. Something is not adding up. Why even have a mortgage?

[@vaska1999]

Part of that half a million is what their houses are worth.

[@dougholdem2898]

You can pick your friends, but you can't pick your family!

[@kbanghart]

Thats when you make your own family with new friends 👍

[@hvaball150]

@@kbanghart if she treats her friends like her dad, they won't stay around either.

[@georgewagner7787]

My parents were awesome. My health sucks but i had a great childhood

[@miltoncat]

As a woman myself… it’s sad and tiresome to hear women call Dave and sound weak, helpless, and defending evil actions from parents or husbands.

[@thestorybehindthat5236]

Over and over and over again.

[@JessieCori]

She hid the most pertinent information 🙈

[@KS-cl8br]

Sue them.

[@hvaball150]

she's in the wrong. Dave figured that out too late.

[@trevorslack9546]

I miss when Dave would always do the show by himself and have guests on for just a segment at a time😢

[@Pigskin1234]

They should have to sue you to put a lean ON the property. Now they have a unjustifiable lean that they have to pay to get it removed….crazy