I’ve had a company car for over 20 years. You can add your spouse as a driver to the car if you pay a little more per month for the car. I can only think of 5 times where that actually happened as it never happens where she needs to drive my car.
@@jimmymcgill6778 Yes, they use their company car for personal use. It's OK to do that depending on the type of contract you have. It's a different story when they let someone _else_ drive their company car.
I knew an employee whose wife got into an accident using the husband's company car. It was messy: There was no insurance to cover her because it was determined that she was using the car for personal use, and the company cars were for company-related use only. Lawsuits were filed and he ended up leaving the company. Not all companies are okay with employee's using the company car for personal errands. 😕
Somebody doesn’t want to. Probably him. There’s just something about being married. It’s just so different from even buying a big house. People do this all the time when they don’t really want to be married to the other one and they still want to feel like they have 1 foot out even if they really don’t legally because they on all this crapp.
@@1stLtDavis Signing a government marriage contract and/or having kids is very different than buying a home. My girlfriend and I already owned homes before we met in 2001 in our 30s and paid off over 15 years ago completely debt free. Didn’t need to “feel” like we were married because we never wanted to get married. With things like no fault there’s already a foot out anyway with plenty of drama and financial loss in the courts.
I dated a lifelong friend for a couple years. My whole family is very pro marriage and I was very uncomfortable dating an extended period. He wanted to go to every fancy dinner, every fancy trip, treat me like a queen, buy me gifts, move in together, etc etc etc, but didn’t want to get married until some indefinite period of time. I told him I could not play marriage with him or move in with him without marriage. We broke up, and I met my husband later on that year. Married 4 months later and I’ve never been happier. My husband never bought me all the stuff or took me to all those places, but he didn’t have to. Marriage and a family is what I wanted, and he’s exactly what I needed. Even good men/women have commitment issues. Don’t stay in dead end relationships, even if they seem good. If you want a marriage, all the other stuff will never be enough.
Broke up with someone you were willing to marry and then married some other guy within the year after 4 months of knowing each other? You just ready to get married to anything hey.
I think using a company car for personal use is stealing. She doesn't have permission to drive it. They aren't telling the company because the company would probably say no. There are usually regulations when they give someone a company car and I'm pretty sure letting the girlfriend use it for her use is not allowed. The reason they have regulations is because people do this kind of stuff.
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I'm a business owner and both of your hosts are quite naive. It doesn't matter what coverage she has on the "company car." Things are going to go south very quickly for her boyfriend's company and for her if she gets into an accident, and that would be as soon as the other party learns it's a "company car." What's going to end up happening when the lawyers get involved is that she'll discover she was not authorized to drive that car and the employer's insurance company will deny coverage. Her tiny (standard) insurance maximums will be met in a heartbeat and she and the boyfriend's company will be in hot water. The boyfriend's employer will then sue her and she'll have two lawsuits to contend with. The train wreck starts with moving an irresponsible boyfriend into the home and pretending to be married. What a mess.
They’re employed by the same company but I still don’t believe for a second that she’s covered to drive his company car. Risk not worth the disaster here but people enjoy playing with fire trying to save a few dollars.
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
Don't sell your car because you'll need it. When the company finds out you're putting them at risk and using a high-value asset for your personal use -- he'll be fired. Then your boyfriend can use your car to find another job.
Jade: "does he have any debt?" Caller: "no he does not" Jade: "o.k. you need to get married this weekend" as both laugh as it's SO obvious this is what to do!
At the end of the call when Jade was outlining how after they are married the caller's debt becomes "their debt," it clearly explained why he is not marrying her. If they break up they sell the house and split whatever equity minus mortgage owed, and she walks away with HER debts.
@@user-mv9tt4st9kBut let’s say she gets angry when this ends. And stops paying on the house and appliances. That’s their joint debt. She can do that and screw HIM over in the process. And nothing can really be done because they aren’t married. If they were, the law will clearly define how to split assets and there’s recourse if she doesn’t play by the rules. This happened to my mom. She and her live in boyfriend broke up. It was his house, so we had to share an air mattress in a friend’s apartment for a few months before she got her own house. They bought a fifth wheel and a boat together. I don’t remember what happened to the fifth wheel. Probably sold it. But the boat was stored in a marina a few hours away. Her name was on the boat, because her credit was better, and they came after her when he stopped making the payments on it. (She had better credit, but he had the better income.) It was a nightmare to get him to agree to either sell it or get her name off of it.
This episode made me phone up the marriage commissioner and get married to my common law husband, now legal husband, within 30 days of first watching it 😂
They are so intense lol. She can sell the car and save the money and then buy another if she ever needs to in literally less than 24 hours. She'll save money from the monthly payments and insurance and even get $5k equity from her car. I just don't understand how the risk outweighs that, because even if they did break up she can just get another car
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
@@topsykretts2264 Don’t get into NON- legal things together. if John, Bill and Susan own property as joint tenancy with right of survivorship, and Susan sells her share to Ann, Ann is not included in the joint tenancy and can will her share to her heir. Yet, if John dies, his share goes to Bill. How will the property be held, The Title? I owned a house, I added my new wife as Community Property with rights of survivorship. She had to sign docs that said she wish to be a Co-owner.
You are assuming that everything is going to go smoothly and she's not going to get into an accident. In that case, she can take the risk and hope it all goes well.
If the title is Joint Tenancy, it is Joint Tenancy married or Not married. If the title is tenants in common, then pay $30 and change it to joint tenancy like a married couple.
It’s not clear that marriage fixes the situation. They have mixed assets but: * She has debt (credit card, car, school, medical debt, etc.). * Both are on the house loan. * he has no other debt. Is the deed in both of their names? The problem is if goes sideways the house is an issue. If they marry all her debt becomes their debt. If she decides to leave after being married he’s now owner of half her debt. Sell the house, or put it in one persons name where that person pays all the house bills. Get married if that is what they really want.
I may have missed it but I did not hear what happens if she gets rid of her car then he for whatever reason loses his job and loses that company car. How are either of them gonna get to work and or find another job
That is a very bad idea. Not using her personal verhicle is a CHOICE. Is the company on board with an employee's significant other using a company car as a personal vehicle? For many companies, that answer is "No." Buying a house together is a bad idea when people are not married. I have seen home ownership, rental leases, and car co-signatures go far south. There is no protecting her, he is the one who will be screwed.😊
The company I work for often pays for cars for employees (rentals, not leases though) and all employees who are not even given cars have to sign an agreement as a part of the hiring process with all the do's and don'ts about driving a company provided vehicle and driving in general while being "on the clock" for business purposes. Recently they sent a few of us to another state for a few weeks and gave us a few cars. One co-worker that I had a matching schedule with was told to carpool with me. And since the car was provided under my name, no chance in the world I was going to let him drive even to the gas station. No lectures were read to me, no one even said a word about it. It has to be common sense!
Pressuring someone into marriage is not it. But like Dave say’s, “Paint or get off the latter.” They need to figure out if they have a future together before moving forward with any financial goals.
4:04 this is really good advice, and it works both ways. To the boyfriend if you’re out there do not get married because it’s going to protect her illegally. You? Things go bad who do you think the courts are going to side with? Don’t take my word for it go research outcomes for men in marriage. It’s not pretty.
So she rattles off a whole list of debts, while he has none? Gee, I wonder why he hasn't married her. Nothing but risk for him in this situation. Don't do it dude.
A contract will protect her on the home if that's really the concern. Getting married only exposes him to losing half of his assets in a future divorce.
@@lifestream4191 Yeah I agree - if she's worried about getting screwed, then they can make a contractual arrangement without getting married. Ramsey too easily dismisses the negative consequences from marriage for men.
@@thebeegood1731 What you don't get is that it's not only present assets, but future assets as well. It's not red pill talking points, it's common sense. It does not matter whether the woman is christian or not, the likelihood of divorce is the same.
Big legal mess with two single people on a mortgage!!! NO excuse not to get married NOW. You don't even have to tell anyone, have a small ceremony later. You went into major debt with a single man who isn't your HUSBAND??? That's crazy!! Keep YOUR car.
@@lanakeeton8102 have you ever heard of the big legal mess called "divorce"? People can be committed to each other without being married, and into todays world marriage means far less than it once did.
lol that’s why you never sign a contract with somebody especially on a house. And I always say the house should always be in the man’s name only. Married or not when the party’s over it’s over. No discussion about the house.
The deceased person's share would pass according to their will, or according to "Intestate" laws, I believe. So the survivor could end up owning the home with the person's parent/child/sibling
Isnt the reson that in divorce the court can force a sale through if 1 person wont cooperate or show up, but if dating and 1 person ghost out, the other person is stuck with the house and cant sell.
Not the same at all. Without marriage, as Dave said in a recent video, it's a general partnership without any documents for the partnership. One person can stop paying and it becomes the other person's responsibility, but they can't sell without the other person's consent. With marriage, if they divorce, the courts will decide what happens to shared assets and both people have to comply.
The male is protecting themselves by not getting married. The male is usually the one who loses the house, half the pension, the bank account and pays spousal support for decades when divorce happens.
OK, this is what I dont understand. How is the marriage going to 'protect' her from losing her share of the joint assets if they go their seperate ways? Clearly the laws regarding defacto relationships and shared assets are different here in Australia, because if you have a joint mortgage in both names, it is irrelevent whether they are married or not. The same process has to happen to divide assets. It would actually be cheaper and less paperwork to separate when not married due to not having to also pay for the divorce. Why and how is it different in the USA? Here, if you split, both parties are legally protected in an asset division, married or not.
The concern moreso when the Ramsey folks discuss this issue is what would happen if one party were to die and there isn't a will, in which case a judge would likely rule that the dead party's assets would go to next of kin meaning the living party ends up owning a home with the dead party's parents
Why does the guy have a company car that he doesn't drive so it would be available to her on a full-time basis? I had one for 10 years and was expected by my company to drive it to and from work and throughout the day when I went out of the office on company business. All of the expenses related to the car were paid for by the company, so it was a free car to me, but I had to drive it. What is the guy driving in lieu of the company vehicle? She said he has no debt, so he must own it outright. He could sell that car, pay off her debts, and drive the company car and she has her car, which is now paid in full.
Why she asking these things? Of course! She shouldn't be in debt for a car she isn't using. How silly. And why people always think getting married equates to a big expensive wedding? My parents got married at the courthouse and paid I believe she said he paid 25 dollars maybe for the certificate. A justice of the peace, couple witnesses, Bing bang. A 'wedding' is completely different. They were married 50 years.
They have a house together, and other debt together, she is already hitched to that horse, so this doesn't expose her to any real extra risk. The additional risk is minimal in comparison
“stay away from this girl! She's begging for trouble by asking using her boyfriend's company Vehicle , This is absolutely wrong and could lead to serious consequences, including losing his job.”
In that situation, each person has legally protected rights to maintain ownership of their share of the property or they can agree to sell it. What happens when a married couple gets divorced? They can keep the property or arbitrate the sell of it or go through probate court
I disagree. What's the difference between having a combined mortgage without a marriage certificate versus having a combined mortgage with a marriage certificate? Basically, you're just adding an extra step in case the relationship falls apart(divorce). There's really no practical disadvantage to this if you plan on getting married in the near future.
Dave has talked about this several times in previous videos. Without marriage, there is not a set process for what happens if you split up, so one person can get stuck with the debt, but not be able to sell without the other person agreeing.
If either of them have something happen that incapacitates them, the other has no legal standing in terms of shared assets. They can get a partnership agreement that will serve the purpose, however, such agreements are impersonal and not a reflection of the love intended between a married couple.
Im divorced and its very unpleasant but worked fairly if i had been living with him as a boyfriend i would have got nothing and would have been homeless,
@@ruthirwin8222marriage isn't the only protective contract available....I'm noticing , as marriage and finances are being discussed more, that most people ignorant about legal matters
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
Umm, probably cannot even do that unless your boyfriend owns the company! What will she do if the BF looses his job or he leaves her?! I'd check the rules, usually only the employee can use it!
Sorry jade, they aren't getting married "this weekend" it's probably safer but the likely hood of that happening is slim to none. And even if they don't he's going to make her pay her own debt off
@@amireallythatgrumpy6508 ????? Double step up in basis My former employer offers FREE lifetime family healthcare to a spouse and kids. A spouse gets a Fully survivorable pension. A spouse gets your SSA if you die. A spouse gets a check for minor children care from the employer.
Fun fact: All of these “protections” they are saying you would have if you get married as opposed to just living together aren’t really there. The other partner could just up and walk away at any time rather married or not. If all debt is in both names, and they left, you are stuck paying all of that debt if they don’t want to pay it anymore. You might have some recourse in court if married, but that could take years and is usually played against the man in the relationship. Get married to a woman for 5 years and watch her divorce you while getting half your pension, keeping the house, having you pay for the car and give her spousal support.
Yeah my girlfriend and I have been together for over twenty years. No marriage contract and no commingled assets. No kids. My homes in the U.S. and her homes and other assets in Italy before we met in our 30s. No need to depend on each other for money/finances and does not affect the relationship. Always knew she had the freedom to leave the relationship since the beginning.
This lady would not end up homeless. Marrage is a big deal even a bigger commitment. Remember, the guy is also taking equal risk in this "live in" situation. No judgements Just an observation. 😊
@@user-mv9tt4st9k Nope. The debts are individual unless they both signed onto the debt. If she has a credit card in her name, he is not responsible for that debt, even if he is an authorized user.
In absence of children, and in a situation where both partners are working and have stable careers, the negatives of legal marriage outweigh the benefits. If children are involved, or if two people are life partners and one is financially carrying the other, then maybe there are benefits to getting married that outweigh the negatives. There’s a right and wrong way to live together as an unmarried though. I would not be buying major assets like a home or car with someone you’re not married to. You’re roommates and everything is a business transaction. Don’t buy anything for or with your roommate unless you’re ok with potentially losing it entirely if you split.
@@ucbearcats1978 the negatives are obvious and directly related to divorce. The burden of proof lies with those in favor of marriage, to prove that marriage is worthwhile specifically as I said, “in absence of children or a situation where one partner is financially caring the other”. And to be clear, I understand that there are benefits even in situations where kids aren’t involved, but I’m just saying that the downsides outweigh those benefits.
@@ucbearcats1978it creates a huge financial risk and considering the high failure rate of marriages, I don't understand why people marry. My dad was ordered to pay alimony to my mother until his time of death which was more than 30 years after their divorce. Mind you, she is the one who filed for divorce and cheated on him.
The fact that marriage is used for “protection” is the reason why men don’t want to get married, men see it as a commitment woman see it as a “legal protection”
I owned a house before marriage, Titled as Unmarried man, sole and separate property Married Titled as Married man, sole and separate property Had kids Titled as community property with rights of survivorship Oldest turned 18 yr old Titled as Beneficiary Title
I'm a woman and I see it as a huge financial risk. How you see it depends, to a certain degree, on how much money you have. And a lot of men see it as a way to pacify a woman they don't want to lose but don't actually want to be married to.
What sucks is that this whole conversation was about getting married ONLY to protect her finances. If your in it for money dont get married. Terrible advice.
Honestly...I don't take this call seriously, I don't take this caller seriously, and her "boyfriend" probably doesn't take her seriously either. Her life is presently or about to be a walking joke. Good luck, sweetie.
![fellow fellow - พรุ่งนี้ไม่มีใครรู้ feat. INK WARUNTORN [OFFICIAL MV]](http://i.ytimg.com/vi/QP6JyjYx_W0/mqdefault.jpg)
So you solved a 30 day problem with a 30 year problem 😂 gold!
yeah, they did not have time to find an apartment to rent, but had time to find a house to buy and finance it. WOW
I definitely will be using that saying somehow cuz it was that good.
Dropping the MIC!!
She has that giggle that says, "I have no life experience and I think nothing bad can ever happen to me. La la la..."
Sounds like something to share with your therapist.
It sounds like a nervous giggle. I’ve been in her position; when you know he has no plans to marry you.
No company would let their company car be used by a significant other for personal use. She’s not being honest about it
Lots of people use a company car for personal use.
I’ve had a company car for over 20 years. You can add your spouse as a driver to the car if you pay a little more per month for the car. I can only think of 5 times where that actually happened as it never happens where she needs to drive my car.
@@jimmymcgill6778 Yes, they use their company car for personal use. It's OK to do that depending on the type of contract you have. It's a different story when they let someone _else_ drive their company car.
@@MrClassicmetal Sounds like they both work at the company. And she is also covered under the policy for that car.
I knew an employee whose wife got into an accident using the husband's company car. It was messy: There was no insurance to cover her because it was determined that she was using the car for personal use, and the company cars were for company-related use only. Lawsuits were filed and he ended up leaving the company.
Not all companies are okay with employee's using the company car for personal errands. 😕
They've literally purchased everything together, but they're not ready to get married. I get not rushing into marriage.... But, goodness.
Next thing they'll start having kids together, but still won't get married
Somebody doesn’t want to. Probably him. There’s just something about being married. It’s just so different from even buying a big house. People do this all the time when they don’t really want to be married to the other one and they still want to feel like they have 1 foot out even if they really don’t legally because they on all this crapp.
@@1stLtDavis
Signing a government marriage contract and/or having kids is very different than buying a home.
My girlfriend and I already owned homes before we met in 2001 in our 30s and paid off over 15 years ago completely debt free.
Didn’t need to “feel” like we were married because we never wanted to get married.
With things like no fault there’s already a foot out anyway with plenty of drama and financial loss in the courts.
This entire situation is ridiculous. These people kill me 😂😂
I dated a lifelong friend for a couple years. My whole family is very pro marriage and I was very uncomfortable dating an extended period. He wanted to go to every fancy dinner, every fancy trip, treat me like a queen, buy me gifts, move in together, etc etc etc, but didn’t want to get married until some indefinite period of time. I told him I could not play marriage with him or move in with him without marriage. We broke up, and I met my husband later on that year. Married 4 months later and I’ve never been happier. My husband never bought me all the stuff or took me to all those places, but he didn’t have to. Marriage and a family is what I wanted, and he’s exactly what I needed.
Even good men/women have commitment issues. Don’t stay in dead end relationships, even if they seem good. If you want a marriage, all the other stuff will never be enough.
Hard to change from lifelong friend to lover.
@@John3.36 this is very true!!!
Broke up with someone you were willing to marry and then married some other guy within the year after 4 months of knowing each other? You just ready to get married to anything hey.
@@oshkoshbegone I think that’s a more common tale than you realize. Are you married?
@kbere4142 soon to be, probably.
That man ain’t marrying her he and his company car are driving away as we speak 😂😂😂😂
One of them doesn’t want to be married. Period. When you whittle down to it, it’s almost always that.
I think using a company car for personal use is stealing. She doesn't have permission to drive it. They aren't telling the company because the company would probably say no. There are usually regulations when they give someone a company car and I'm pretty sure letting the girlfriend use it for her use is not allowed. The reason they have regulations is because people do this kind of stuff.
Could be non-imputed income.
As part of your compensation package,
the car is leased for you as a Personal car.
Like paid for housing.
Yep - she made that up when she realized they were about to tell her it was risky to both of them for HER to drive HIS company car.
She’s begging for trouble
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
Safer to just keep the car to yourself. In case the relationship ends and go separate ways, you'll at least have your own car.
I'm a business owner and both of your hosts are quite naive. It doesn't matter what coverage she has on the "company car." Things are going to go south very quickly for her boyfriend's company and for her if she gets into an accident, and that would be as soon as the other party learns it's a "company car." What's going to end up happening when the lawyers get involved is that she'll discover she was not authorized to drive that car and the employer's insurance company will deny coverage. Her tiny (standard) insurance maximums will be met in a heartbeat and she and the boyfriend's company will be in hot water. The boyfriend's employer will then sue her and she'll have two lawsuits to contend with. The train wreck starts with moving an irresponsible boyfriend into the home and pretending to be married. What a mess.
You are so right, she is very insecure
They’re employed by the same company but I still don’t believe for a second that she’s covered to drive his company car. Risk not worth the disaster here but people enjoy playing with fire trying to save a few dollars.
she said she has coverage for driving the car but they probably didn't challenge her too much on it
We bought a house together because our lease was expiring. It is much easier to find a rental than than a permanent home.
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
Some people don't believe in marriage.
Some people are unwise
JOHN 14:6😊
@@jeffreyowens9487Some people are idiots.
Don't sell your car because you'll need it.
When the company finds out you're putting them at risk and using a high-value asset for your personal use -- he'll be fired.
Then your boyfriend can use your car to find another job.
Not if he takes one of those work from home jobs. No need to commute.
@@strangeroamer3219 She still needs to commute though. And with the debt she's bringing into the "marriage", she needs to get to work.
5 bucks she doesn't listen to any of their advice
100 bucks!
I have $105 for each of you, because you are intelligent human beings.
It is utterly illogical to buy a house with a boyfriend/girlfriend. Just beyond.
If the title is Joint Tenancy, it is Joint Tenancy married or Not married.
Marriage is illogical as well.
Americans be crazy. Buying a home or having a child is fine but marriage is a scary commitment.
We have created a "why buy the cow when you can get the milk for free" cesspool of a culture and it's sad and destroying America.
Been married for over a decade. Best decision of my life. I spend everyday, with my bestfriend. 😁
@@DJRiyzenIt was the best decision for me as well. My husband and I have been married for over two decades now.
@@DJRiyzendid you have to be married to spend every day with him?
amen, bring it Dr. John
He’s not marrying her
Why wouldn’t she just use his personal car and he uses his company car? Am I missing something??
Maybe he does not have a personal car. 😂😂
@@user-mv9tt4st9k she said he does. She drives his company car while he drives his personal car.
That’s easy.
The company car is probably newer and looks nicer.
@@annapatton4544He should be driving the company car, not her.
@@BlueDauntless oh, I absolutely agree
If she must drive one of the cars, drive the boyfriends personal car. Let him drive the company car.
Jade: "does he have any debt?"
Caller: "no he does not"
Jade: "o.k. you need to get married this weekend" as both laugh as it's SO obvious this is what to do!
They are already "playing married", they should go ahead and actually do it.
They both use the appliances and home so that is already joint debt.
At the end of the call when Jade was outlining how after they are married the caller's debt becomes "their debt," it clearly explained why he is not marrying her. If they break up they sell the house and split whatever equity minus mortgage owed, and she walks away with HER debts.
He doesn’t want to get married. And he won’t. Don’t worry. Men aren’t afraid of marriage if they’re actually in love (or actually bamboozled).
@@user-mv9tt4st9kBut let’s say she gets angry when this ends. And stops paying on the house and appliances. That’s their joint debt. She can do that and screw HIM over in the process. And nothing can really be done because they aren’t married. If they were, the law will clearly define how to split assets and there’s recourse if she doesn’t play by the rules.
This happened to my mom. She and her live in boyfriend broke up. It was his house, so we had to share an air mattress in a friend’s apartment for a few months before she got her own house. They bought a fifth wheel and a boat together. I don’t remember what happened to the fifth wheel. Probably sold it. But the boat was stored in a marina a few hours away. Her name was on the boat, because her credit was better, and they came after her when he stopped making the payments on it. (She had better credit, but he had the better income.) It was a nightmare to get him to agree to either sell it or get her name off of it.
5:23 Love John’s question here!
We all know they aren’t getting married
This episode made me phone up the marriage commissioner and get married to my common law husband, now legal husband, within 30 days of first watching it 😂
Congratulations on the marriage
Scary how fast they want people to
Get married
The sooner they get married the sooner that guy can tell them to get divorced because "that's not a marriage."
Jade cracks me up😂 she is so real! Love when she’s on. When does she get her own show ?
Soon
Let's be sarcastic and say, as soon as George resigns. If I were him I wouldn't stay in a company where my boss publicly rolled me in the mud.
@@jazzadwhat happened and when?
They are so intense lol. She can sell the car and save the money and then buy another if she ever needs to in literally less than 24 hours. She'll save money from the monthly payments and insurance and even get $5k equity from her car. I just don't understand how the risk outweighs that, because even if they did break up she can just get another car
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
@@topsykretts2264 Don’t get into NON- legal things together.
if John, Bill and Susan own property as joint tenancy with right of survivorship, and Susan sells her share to Ann, Ann is not included in the joint tenancy and can will her share to her heir. Yet, if John dies, his share goes to Bill.
How will the property be held, The Title?
I owned a house, I added my new wife as
Community Property with rights of survivorship.
She had to sign docs that said she wish to be a Co-owner.
You are assuming that everything is going to go smoothly and she's not going to get into an accident. In that case, she can take the risk and hope it all goes well.
Sell the house and appliances to get rid of the joint debt. DO NOT run out and get married just to clean up a home title and some debt.
If the title is Joint Tenancy, it is Joint Tenancy married or Not married.
If the title is tenants in common, then pay $30 and change it to joint tenancy like a married couple.
THIS
It’s not clear that marriage fixes the situation. They have mixed assets but:
* She has debt (credit card, car, school, medical debt, etc.).
* Both are on the house loan.
* he has no other debt.
Is the deed in both of their names? The problem is if goes sideways the house is an issue. If they marry all her debt becomes their debt. If she decides to leave after being married he’s now owner of half her debt. Sell the house, or put it in one persons name where that person pays all the house bills.
Get married if that is what they really want.
Wow!!! "Go get married this weekend" Start another show, please.
I may have missed it but I did not hear what happens if she gets rid of her car then he for whatever reason loses his job and loses that company car. How are either of them gonna get to work and or find another job
He has his own car too
That is a very bad idea. Not using her personal verhicle is a CHOICE. Is the company on board with an employee's significant other using a company car as a personal vehicle? For many companies, that answer is "No."
Buying a house together is a bad idea when people are not married. I have seen home ownership, rental leases, and car co-signatures go far south. There is no protecting her, he is the one who will be screwed.😊
The company I work for often pays for cars for employees (rentals, not leases though) and all employees who are not even given cars have to sign an agreement as a part of the hiring process with all the do's and don'ts about driving a company provided vehicle and driving in general while being "on the clock" for business purposes. Recently they sent a few of us to another state for a few weeks and gave us a few cars. One co-worker that I had a matching schedule with was told to carpool with me. And since the car was provided under my name, no chance in the world I was going to let him drive even to the gas station. No lectures were read to me, no one even said a word about it. It has to be common sense!
You can buy the house, then add the GF to the title.
If the title is Joint Tenancy, it is Joint Tenancy married or Not married.
Definitely keep your car. Marriage is different discussion not related to the question asked.
He is not going to marry her with all that debt
Pressuring someone into marriage is not it. But like Dave say’s, “Paint or get off the latter.” They need to figure out if they have a future together before moving forward with any financial goals.
Ladder, but nice try.
@@michaelc7014 Apologies, I do try to get the proper spelling. I’m actually hard on myself about that. 😅
LADDER - SPELL CK GOT YOU AGAIN!
Love Jade!
What's with every other call including the detail of unmarried couples sharing a house?
Sign of the times... ??? 🙄
4:04 this is really good advice, and it works both ways. To the boyfriend if you’re out there do not get married because it’s going to protect her illegally. You? Things go bad who do you think the courts are going to side with? Don’t take my word for it go research outcomes for men in marriage. It’s not pretty.
My last company let people take trucks home. I declined right away. Love how she chuckled at marriage. She is using thiz guy until butch comes around.
Anyone who always has time to be first to post doesn't have a j.o.b..... and we know what Ramsey thinks of that 😀😀😀
Like Jimmy, our resident troll
@@alinatamashevich3354 Your comment has me dyin' LOL LOL LOL LOL
JOHN 14:6😊
So she rattles off a whole list of debts, while he has none? Gee, I wonder why he hasn't married her. Nothing but risk for him in this situation. Don't do it dude.
That appliance debt is both of there’s cuz that’s for the house
Are you single? Lol
The man don’t have a choice since his name is on the mortgage and appliances debt
"Brings with benefits"
her horse has some addatives in the water tank !!! just listen how crazy people sound !!
Some people just don't any common sense..sometimes wonder how they got this far in life.
A contract will protect her on the home if that's really the concern. Getting married only exposes him to losing half of his assets in a future divorce.
What's the difference? They're 50/50 now...
Then they shouldn't be together if they don't think they will last
@@lifestream4191 Yeah I agree - if she's worried about getting screwed, then they can make a contractual arrangement without getting married. Ramsey too easily dismisses the negative consequences from marriage for men.
@@charly44ish Yeah they shouldn't be pretending to be married, especially with a 50-65% divorce rate.
@@thebeegood1731 What you don't get is that it's not only present assets, but future assets as well. It's not red pill talking points, it's common sense. It does not matter whether the woman is christian or not, the likelihood of divorce is the same.
Sell the car, save your money. If ever the relationship fails you can go your way and buy a car the same day.
Exactly. Why are they being such drama queens here?
@@mikekeenanphdbecause they can’t use their own brain and deviate from Dave’s advice
Big legal mess with two single people on a mortgage!!! NO excuse not to get married NOW. You don't even have to tell anyone, have a small ceremony later. You went into major debt with a single man who isn't your HUSBAND??? That's crazy!! Keep YOUR car.
@@lanakeeton8102 have you ever heard of the big legal mess called "divorce"? People can be committed to each other without being married, and into todays world marriage means far less than it once did.
@@m.carroll There's a big difference legally between a divorce and two random people deciding to go their own ways.
What is the benefit to him of marrying and taking on her mountain of debt?
Nothing lol. There’s no benefit at all for him. Marriage only benefits the woman most of the time
lol that’s why you never sign a contract with somebody especially on a house.
And I always say the house should always be in the man’s name only. Married
or not when the party’s over it’s over. No discussion about the house.
If it's in his name he should also be the only one on the mortgage.
Never asked her if she was ok with getting married,just asked if he would have objection assuming she was ok with it. Never assume anything.
But she's apparently ok with living with him, sleeping with him, and driving his car. She's already "playing" married.
@@linuxsurfer2002marriage means every dollar you earn is no longer yours and that may even be the case if you divorce
What about one of them having a fatal accident, what happens to the house?
It's called right of surviorship.
both names are on deed.
@@Dan16673 I’m assuming it would go to the next of kin. Like a parent.
The deceased person's share would pass according to their will, or according to "Intestate" laws, I believe. So the survivor could end up owning the home with the person's parent/child/sibling
@@linuxsurfer2002 yep. How nice!
“Legally” they’re both on the deed if they broke up it’s the same if they get divored
YEP. They same problem would exist if they are married or not.
Isnt the reson that in divorce the court can force a sale through if 1 person wont cooperate or show up, but if dating and 1 person ghost out, the other person is stuck with the house and cant sell.
Not the same at all. Without marriage, as Dave said in a recent video, it's a general partnership without any documents for the partnership. One person can stop paying and it becomes the other person's responsibility, but they can't sell without the other person's consent. With marriage, if they divorce, the courts will decide what happens to shared assets and both people have to comply.
The DEED is only used in the transfer, the title is how the property is held.
ONLY if titled as Joint Tenancy, not if Tenants in Common.
Imagine if the "company car" is a hearse, cop car, ,ambulance, bulldozer, zero turn mower, or an ice cream truck.
😂🤣
Maybe it's one of those clown cars
It amazes me in this day and age how many women do not keep themselves legally protected by marriage or some other legal contract.
Fairytale thinking based on creating instagram lives and playing house
They think they’re protecting their selves by not tying the knot.
The male is protecting themselves by not getting married. The male is usually the one who loses the house, half the pension, the bank account and pays spousal support for decades when divorce happens.
Some people don't believe in marriage and no one should ever sign any contract.
Without any kind of separation agreement she could take him to the cleaners. More worried for him than her. She could seize everything in the courts.
He has no debt = probably not going to marry
OK, this is what I dont understand. How is the marriage going to 'protect' her from losing her share of the joint assets if they go their seperate ways? Clearly the laws regarding defacto relationships and shared assets are different here in Australia, because if you have a joint mortgage in both names, it is irrelevent whether they are married or not. The same process has to happen to divide assets. It would actually be cheaper and less paperwork to separate when not married due to not having to also pay for the divorce. Why and how is it different in the USA? Here, if you split, both parties are legally protected in an asset division, married or not.
The concern moreso when the Ramsey folks discuss this issue is what would happen if one party were to die and there isn't a will, in which case a judge would likely rule that the dead party's assets would go to next of kin meaning the living party ends up owning a home with the dead party's parents
As a guy here, the system is set up against you. The only benefit of marriage is for her to get more of your stuff.
Please give us some titles with more context instead of clickbaits. Thank you very much
Do not marry this woman while she has all that debt
As soon as she said boyfriend their mind was made up that the answer was no
Is she safe though?
Lol
Why does the guy have a company car that he doesn't drive so it would be available to her on a full-time basis? I had one for 10 years and was expected by my company to drive it to and from work and throughout the day when I went out of the office on company business. All of the expenses related to the car were paid for by the company, so it was a free car to me, but I had to drive it. What is the guy driving in lieu of the company vehicle? She said he has no debt, so he must own it outright. He could sell that car, pay off her debts, and drive the company car and she has her car, which is now paid in full.
Why she asking these things? Of course! She shouldn't be in debt for a car she isn't using. How silly. And why people always think getting married equates to a big expensive wedding? My parents got married at the courthouse and paid I believe she said he paid 25 dollars maybe for the certificate. A justice of the peace, couple witnesses, Bing bang. A 'wedding' is completely different. They were married 50 years.
They have a house together, and other debt together, she is already hitched to that horse, so this doesn't expose her to any real extra risk. The additional risk is minimal in comparison
Umm…what??
Always about women payday at divorce
“stay away from this girl!
She's begging for trouble by asking using her boyfriend's company Vehicle ,
This is absolutely wrong and could lead to serious consequences, including losing his job.”
Marriage is not the only option for her. They can do a joint tenancy title on the deed to get 50-50 ownership rights
What will happen if the relationship breaks up?
In that situation, each person has legally protected rights to maintain ownership of their share of the property or they can agree to sell it. What happens when a married couple gets divorced? They can keep the property or arbitrate the sell of it or go through probate court
I disagree. What's the difference between having a combined mortgage without a marriage certificate versus having a combined mortgage with a marriage certificate? Basically, you're just adding an extra step in case the relationship falls apart(divorce). There's really no practical disadvantage to this if you plan on getting married in the near future.
Dave has talked about this several times in previous videos. Without marriage, there is not a set process for what happens if you split up, so one person can get stuck with the debt, but not be able to sell without the other person agreeing.
If either of them have something happen that incapacitates them, the other has no legal standing in terms of shared assets. They can get a partnership agreement that will serve the purpose, however, such agreements are impersonal and not a reflection of the love intended between a married couple.
@user-ly3ik9oj5k There is a lot of difference in legal matters. Courts handle married couples differently than a couple of unrelated people.
they do know that is mostly women that make breakups and marriages messing when they end all she has to do is not make it Mess
John got through a conversation without telling someone they can’t breathe. Mark this one down in the history books.
Why did no one ask why she's not driving her own car?
If it hits the fan it gets messy. Lmaooo bro a divorce is messy ?¿
Yes but marriage prevents one person being lumped with it all if it went sideways.
@@sashalawrence4786 idk man my granddaddy was married and his wife left and he been paying on they house this whole time while she been gone.
Im divorced and its very unpleasant but worked fairly if i had been living with him as a boyfriend i would have got nothing and would have been homeless,
@@ruthirwin8222marriage isn't the only protective contract available....I'm noticing , as marriage and finances are being discussed more, that most people ignorant about legal matters
Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.
The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
Passive income is truly the dream! It is a great joy to know that your money multiplies while you sleep.
@@IsabellajuanaI always thought about how to grow my money but I found nothing. You seem to have understood that would you advise me please?
@@Kelvinmeans79I recommend that you speak to my personal investment coach Theresa. Just check with Ms. Theresa Cann SERVICES 👇👇👇
INSTAGRAM
Theresaannecann08
Umm, probably cannot even do that unless your boyfriend owns the company! What will she do if the BF looses his job or he leaves her?! I'd check the rules, usually only the employee can use it!
Why does buying a house prevent you from getting married at the court house.
Briffault Law. Get anything you can. Yeah the guys not exposed at all im this.
Just do a search for "wedding industry out of control" -- that's the real problem...😳🙁
Sorry jade, they aren't getting married "this weekend" it's probably safer but the likely hood of that happening is slim to none. And even if they don't he's going to make her pay her own debt off
Where is Mr. First? 😂
I was wondering the exact same thing 😂
He's collecting his trophy for being first.
instead of marriage, how about a legal agreement? marriage is only beneficial to the woman.
Marriage doesn't benefit anyone.
@@amireallythatgrumpy6508
?????
Double step up in basis
My former employer offers FREE lifetime family healthcare to a spouse and kids.
A spouse gets a Fully survivorable pension.
A spouse gets your SSA if you die.
A spouse gets a check for minor children care from the employer.
Fun fact:
All of these “protections” they are saying you would have if you get married as opposed to just living together aren’t really there. The other partner could just up and walk away at any time rather married or not. If all debt is in both names, and they left, you are stuck paying all of that debt if they don’t want to pay it anymore. You might have some recourse in court if married, but that could take years and is usually played against the man in the relationship. Get married to a woman for 5 years and watch her divorce you while getting half your pension, keeping the house, having you pay for the car and give her spousal support.
Yeah my girlfriend and I have been together for over twenty years.
No marriage contract and no commingled assets. No kids.
My homes in the U.S. and her homes and other assets in Italy before we met in our 30s.
No need to depend on each other for money/finances and does not affect the relationship.
Always knew she had the freedom to leave the relationship since the beginning.
There is no protections but there is recourse in court which is actually protection. Got it.
if listened to this advice i would not have 500k equity and would stll be renting
If i was him i would run because the court is not gonna side with him they're gonna make him have debt
This lady would not end up homeless. Marrage is a big deal even a bigger commitment. Remember, the guy is also taking equal risk in this "live in" situation. No judgements Just an observation. 😊
If she gets a long term illness and he bolts..she can pay bills. .or he leaves and she has no car to get to work and does not make enough..ect ect
Actually, his risk is somewhat minimized because her debts remain her debts until he marries her, in marriage her debts become their debts.
@@user-mv9tt4st9k Nope. The debts are individual unless they both signed onto the debt. If she has a credit card in her name, he is not responsible for that debt, even if he is an authorized user.
So Indiana of her.
✝️
In absence of children, and in a situation where both partners are working and have stable careers, the negatives of legal marriage outweigh the benefits. If children are involved, or if two people are life partners and one is financially carrying the other, then maybe there are benefits to getting married that outweigh the negatives. There’s a right and wrong way to live together as an unmarried though. I would not be buying major assets like a home or car with someone you’re not married to. You’re roommates and everything is a business transaction. Don’t buy anything for or with your roommate unless you’re ok with potentially losing it entirely if you split.
What do you think are the negatives of legal marriage?
@@ucbearcats1978 the negatives are obvious and directly related to divorce. The burden of proof lies with those in favor of marriage, to prove that marriage is worthwhile specifically as I said, “in absence of children or a situation where one partner is financially caring the other”. And to be clear, I understand that there are benefits even in situations where kids aren’t involved, but I’m just saying that the downsides outweigh those benefits.
@@ucbearcats1978it creates a huge financial risk and considering the high failure rate of marriages, I don't understand why people marry. My dad was ordered to pay alimony to my mother until his time of death which was more than 30 years after their divorce. Mind you, she is the one who filed for divorce and cheated on him.
He goes into marriage with no debts, no obligations. She goes in with tens of thousands in debt and baggage. Color me surprised. NOT
Ahhh the young and naive 😂😂 trade 30 day problem for 30 year commitment. Funny but more common than we think.
$5k???? That's all...on a car😢😢
Why does she have debt on appliances and the bf doesn’t have debt. What appliances is she paying for?
The fact that marriage is used for “protection” is the reason why men don’t want to get married, men see it as a commitment woman see it as a “legal protection”
I owned a house before marriage,
Titled as Unmarried man, sole and separate property
Married
Titled as Married man, sole and separate property
Had kids
Titled as community property with rights of survivorship
Oldest turned 18 yr old
Titled as Beneficiary Title
It's legal protection for both.
I'm a woman and I see it as a huge financial risk. How you see it depends, to a certain degree, on how much money you have. And a lot of men see it as a way to pacify a woman they don't want to lose but don't actually want to be married to.
@@neisciit's also financial risk for both
Some policies are as long as you work for the company any employee can drive it
Keep your car in case you end up having to live in it. Really, what if one of these people dies suddenly? So precarious.
What sucks is that this whole conversation was about getting married ONLY to protect her finances. If your in it for money dont get married. Terrible advice.
Definitely not in the marriage vows.
@@blackworldtraveler3711"... In sickness and in health, for richer and for poorer..." Those lines were included in my wedding vows.
@@blackworldtraveler3711marriage vows are whatever you decide they are. A marriage certificate is a contract that's mostly about money.
Their point is that they're already living as if they are married anyway, so allegedly the love and commitment is already there anyway.
Traditional 😂😂😂
Write a will seems just as valid as getting married. This does seem to be pushing a values argument.
It’s also a legal argument.
Honestly...I don't take this call seriously, I don't take this caller seriously, and her "boyfriend" probably doesn't take her seriously either.
Her life is presently or about to be a walking joke.
Good luck, sweetie.
Ouch! 😂😂