There’s No Reason To Do This!
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Forget the boyfriend angle for a minute, if you’ll have $600K cash why on earth would you buy a $200K house that immediately needs a $250K addition?? What a headache - just buy a $450K house that fits your needs on move in day
It was $250k all in but it’s still a dumb idea
Boyfriend wants to cash in on her equity
@@About17Camels no it wasnt. ....its 200 then additional 250 for the part shes adding after the fact
@@About17Camels No it's not $250K all in. That addition costs much more than $50K
@@canadianjatti No buddy boy you're wrong. He asked how much all in. She said 200k for the house or 250k if the reno is involved. If you're spending 250K to just add another bedroom then you're just as stupid as she is
I would never let a man move in with me while raising two teenagers. If he is serious about you, he’ll put a ring on your finger. One can still have a relationship with a boyfriend and not move him in, disturbing the lives of your children.
This! I don’t respect any woman that does this. I lived this and it was awful. Boyfriends in and out. Few stayed for long. And I lost all respect for my mom.
It’s not worth it moms. Paint or get off the ladder. Don’t play house with a boyfriend while your kids are still with you.
I did this. I bought a house with my name on all of it, with a partner whose name wasn't on any of it. My partner chipped in half of the first month's mortgage. Then for the next 3 years they didn't pay a dime. When we split up they wouldn't move out and I couldn't get them out. So I had to shoulder everything myself or have my credit destroyed. And I had to figure out how to sell a house with an unwilling party who wouldn't leave. THIS Is the kind of situation Dave is trying to help her prevent. Everyone thinks their love story is going to last forever. Please listen to the voice of wisdom from someone like myself and Dave.
Can’t help but notice you’re obscuring the gender of your partner. Jilted lesbian?
Thanks for sharing!
Why didn't you just evict? Or are you in a difficult state?
Lol, "love story."
@@Elizabeth_lowkeyluxuries : Can't always do that - I went through a similar circumstance as above with my ex-wife. she had no credit history and adding her name to the mortgage would have doubled the interest rate we had to pay, so I opted to keep the mortgage in my name and the title in both names. She only started working in a meaningful manner in the year prior to our divorce starting and never contributed to any of the mortgage or utility payments. When we split, she left the house, but still demanded 50% of equity.
Boyfriend wants to cash in on the equity of the current house. Why would he want to downsize into a 900 SQ ft dump and a remodel project? Red flags everywhere lady.
☝️- 🎯✅ 💯 - 🚩 🚩🚩🚩🚩🚩🚩🚩🚩🚩😱😱😱😱
Right. But it doesn't sound like she is going to listen to Dave. Sounds like she is just desperate to keep this guy & willing to make any poor decision to do so.
@@penelope5500 Spoiler: She won't be able to keep this guy.
If we EVER NEED A FOLLOW UP EPISODE..this is it.
BF seeing home equity..100%
Maybe he just feels uncomfortable living in a house her Exhusband picked out and paid for.
"That's wasn't my question" actually yes it WAS your question
She meant “that’s not what I want to hear”😂
No, it wasn't her question. She very clearly asked about bills, not the title of the house.
@thomasdalton1508 she should've led with "I'm taking on a new roommate and would like to know how to split bills," then Dave could've easily skipped to his answer at 4:20. Don't know why she mentioned moving into a new home with the boyfriend when she knows Dave's stance on that. Especially for her admitting to being a long time listener
@@demo2382 Every caller thinks their situation is somehow different and will get a different answer...
I think that her wealth was earned by her ex-husband. She does not seem to be bright enough to build wealth on her own. I'm sure that her dude is a real winner.
1000% true
Exactly
She wants to spend $450k to go from 5000 to 900 sqft? The math makes no sense. Just just buy the house that meets your needs without a construction headache
200k + 50k to make 250k total, she was trying to say 250k total before Dave took off
900 SF plus an addition.
@@bobbywilhelmi9932 I’m going to go listen again as I heard plus 250. Just 50 makes more sense. But nothing in this call really made a lot of sense.
Exactly. She should just buy a 1500 sq ft house instead of adding on to a 900 sq ft house.
yeah why not just buy a 3 bedroom house instead of buying a 2 bedroom house and paying for an extension that costs more than the house itself. plus that extension will take a long time and wont go to the original plan, so her kids wont be sharing a bedroom for a couple weeks, its more likely she wont have the extra room ready to live in until the 16 yr old is 18 or old enough to move out. in the mean time she will have alienated her kids by sacrificing their private and personal space during a time while they really needed it more than before so that she can set up her empty-nester life style early.
“I’ve followed you since 1997. My boyfriend just moved in” Huh????
🤦♀️🤦♀️🤦♀️
2007
Caller says she has followed the show since 2007 and one of the first things she says is "My boyfriend of two years recently just moved in." After 17 years of listening to Dave Ramsey, she doesn't know how he feels about that financially? Makes you wonder what she doesn't know about her boyfriend, doesn't it?
Makes you think she has selective hearing lol
So true!
Lady: I called for your advice, but I don’t really want your advice.
took the words right out of my mouth. I still don't understand these calls
@@AtotheZ7these callers probably never really listened and followed Dave’s advice. It’s likely they they he’s a finance guru who will just agree with them. He is a Christian financial guru. Quite a different ball game.
She's entirely TOO old to not know better!!!!
Entirely
She’s desperate.
Ya Think!!!! 🙀
Ya I'm starting to think these calls are staged
Already divorced once…
250k for an addition?
Just go and but a 400k house to begin with.
That’s what I got too. I hope she meant 250k for the house and reno.
Exactly! That is really close to the median price right now. She should be able to find something
Exactly... She seems dumb.
Yeah…I’m pretty sure she was planning to buy this jointly with the boyfriend before she called. She literally says “we are looking to purchase…”. I think she changed her story mid-call to save face and pretended she was “actually” asking about splitting expenses.
Right! At the beginning it was “we” 😂 but Dave’s straightforward approach probably had her a bit embarrassed
They are doing the looking together.
Wow 250k for an additional room and bath is outrageous
Yeah, that caught my attention as well. $200K, $250K renovation.
Yes, I question her now, she is just calling to get airtime.
Yep the addition cost more than the house, seems like a very bad deal
What do you want to bet that number includes updating the rest of the original small house?
Why not just buy an appropriately sized home?
i am currently in a bit of a situation , with rates not as subsidized and my mortgage still as high , i am currently seeking alternatives to maximize savings without an RV move or taking a loan. I’m seriously contemplating the latter.
If you can afford to relocate, you should manage the mortgage.
my Husband inherited 2 apartments but won't sell or inflate rents. Being cautious with rising costs.
or better still , Consider a fiduciary with mortgage-backed securities knowledge for guidance. Prices today may look like dips tomorrow.
I'd enlist a reputable fiduciary. How can I locate and assess them? We've thought about collaborating with one before.
Home equity access may boost housing supply. Consider HELOC or borrowing against your home.
Your teenage children should come first. What are you thinking? Don’t take them out of their current home.
But she's in love
I was thinking the same. If she’s overwhelmed with the size, the kids need to pitch in.
Or buy a house that doesn’t need so many renovations.
She’s seeking advice from someone who preaches against the plan that she wants to do. It’ll be like saying, “I know you’re against debt, but when I take out a credit card, how do you suggest I manage it?”
I love that Dave still calls it "shacking up" haha (PS, I agree with him!)
She’s gonna sell a 5,500 sq ft house worth $600k to pay $450k for a 900 sq ft house, rip her kids out of their comfortable and spacious home to be crammed into one not even big enough for 2 people let alone 4, pay broker and other closing costs on both transactions, and basically trade her current house for one less than 1/6th the size. Lady needs to buy a brain, not a house. 😂
☝️- 💯🫣😬😳😢💯
Agreed. My husband and I have a house just over 1000 sq ft and it's barely enough room for us and our dogs. 🐕 There's NO WAY another person, let alone 2 teenagers, could comfortably live there too.
Not to mention, make them live in that cramped house with her boyfriend.
Not ture, they will out of the house soon. And at that age they are out and about. Great retirement move. Personally I would keep the larger home for a while longer unless a financial burden. Then just sell out and 1000-1500 is plenty big. I am a 1500 square feet home with a big garage and yard and love it.
The biggest problem with a 900 sq ft house is that it is too small and you will NEVER be able to sell it.
She said she’s been following Dave’s advice since 2007. How did she not know that he wouldn’t even agree to this? Lol
Everyone is the exception in their own world when they ask for DR to go against his principles.
They always think they’re the exception.
@@BlueDauntless crazy
"But Dave, if I get married then I'm going to lose my alimony payments"
I did this. I bought a house in preparation for wedding and kids but purchased a home I know I could afford on my own (in case she was unable to work). We split mortgage and utilities in half. Not long after, she broke off the engagement and left me suddenly and without explanation.
That decision to solo own an affordable house has saved me from foreclosure and the loss of two years scraping and saving.
Dave's right. Marriage before house is he plans to help you afford it.
You can hear in her voice-the way she said “okay”-that she’s not going to follow Dave’s advice.
I hope this lady comes to read the comments because she really thought her case was different to any other bf/gf playing house. Scary there are people my age really this clueless.
This sounds like the boyfriend putting ideas in her head. Ken giving sound advice.
She has her own ideas.
Her original question is what they answered. She just tried to clean it up because of the backlash. She’s not new to this. She’s been married before so her pretending to be clueless about how to pay bills as boyfriend/girlfriend transitioning to marriage was bs. They were 100% going to do this jointly.
I'm only 47 seconds in and see red flags😂
Yeah, the boyfriend has just found a way to make a quick $200K.
I live in Northern California, expensive area, trying to invest in the south part of bay area with the program Housekeys, if you know something about that or any advice will be appreciate it, thank you.
Housing costs will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you find an independent advisor who knows about the financial markets.
This is exactly why I like having an asset manager look over my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitabIe downward turns, their skiIIset makes it nearly impossible for them to underperform. I've been utiIizing a manager for more than two years, and I've made over 85% of my initiaI deposit
This is exactly why I like having an asset manager look over my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a manager for more than two years, and I've made over 85% of my initial deposit
I hope you don't mind if I ask you to recommend this particular coach you using their service...
'Angela Lynn Schilling, is respected in her field. I suggest delving deeper into her credentials, as she possesses experience and serves as a valuable asset.
Some people forget yes wisdom increases age; But you have to be wise first. This lady is an example; that some people just grow old physically but remain a teenager when it comes to life choices. People should take what the bible says seriously marriage is a security blanket.
Don't buy a house with a person you're not married to. Simple as. That's dumb.
If I had her wealth and house my BF would not be living with me! Now he has established he lives there, and now you have to go thru the courts to get him evicted and bs!
Sounds like the bf found a way to get half without marrying her, while pushing the kidd away and making sure he can afford the home if he kicks her to the curb.....
Something tells me that this is the type of woman that says, ‘I was a single Mom…’ while benefitting from split custody, a paid for home and other perks single Mom’s don’t have.
If you're not married and you're a mom, you're a single mom. Yes, someone who was abandoned during pregnancy and never had any help from the baby's father has it a lot worse than a woman who was married, got a good divorce settlement, and splits custody with an active coparent, but there are many shades of gray in between. Some single moms with no dad in the picture are high earning and went to a sperm bank, some are unemployed and don't know who the father is, but live with wealthy parents who are round the clock nannies, some have no extended family and are living with their kids in a homeless shelter. There's a wide variety of experiences under that umbrella. Just because someone else has it harder, doesn't mean you're any less single than they are. Like if I get diagnosed with cancer, I have cancer, it doesn't matter if mine is less advanced with a better prognosis than someone else.
@@rachelmaddowswife8713 I respectfully disagree. I understand your point about it being under the umbrella but as adults, we know the difference and it's incredibly disrespectful to your partner. My parents divorced, my mom never once called herself a single Mom because my dad not just contributed financially but was involved in our lives.
Lastly, about your cancer, I think that's an awful analogy as well. I had skin cancer - it was benign, not a danger whatsoever. It would be in such bad faith to say to a stranger...'I was diagnosed with skin cancer...' I'm only saying so to receive some form of sympathy while not having any of the scars, battles ahead like someone who has a significant form of skin cancer.
@@Chalk89 I'm not talking about benign tumors, and the definition of a benign tumor is non-cancerous, cancer is a malignant tumor. If you had a benign tumor on your skin, that's by definition not cancer. I have two benign tumors on my legs, dermatofibromas, they're not skin cancer. If what you mean is that you had an early stage, easily treatable skin cancer lesion, that's fine, just say "I had a small cancerous lesion removed, thankfully it wasn't a big deal". No one is asking you to demand pity or be dramatic, if the word cancer is accurate, that's what it is. My dad had prostate cancer that was easily treated and didn't threaten his life, it was still cancer.
I've had four female relatives diagnosed with breast cancer. Two were diagnosed after metastasis and died, two were diagnosed early and completely cured with double mastectomies and no chemo. All four had breast cancer. You can acknowledge that the ones who died suffered more, but we don't need to pretend the others went through nothing to honor that. You can always find someone who suffered more than you did, that doesn't mean you're not allowed to use terms that you meet the definition of for yourself. You could have five widows that have very different financial situations and social networks, all five are still widows.
Chad is trying to acquire some assets.
Absolutely Dave you’re right! She doesn’t hear you, get married, or he’s a roommate.
Hiring a maid for the 5000 sq ft house would be way cheaper. And someone to maintain the lawn. She's bound and determined to do this. Hasn't she had enough problems with her divorce?
She thinks it will help lock him down.
Nope. She apparently made out like a bandit in her divorce.
Electric, heating and cooling, is expensive on a 5000 square foot house.
@@jimmymcgill6778 true
She made out like a bandit in her first divorce.
People really be asking the same questions that they already know the answer.
I would never shack up. But if I lost my mind and I did, I would purchase the house and pay all house-related expenses myself.
And just charge rent to the other person. Also make sure to do a rental agreement ~ 6 month term or month to month just in case neither one of us want to continue on with the other.
Get everything in writing ~ I been watching lots of court tv
The number of people who call and try to argue with Dave when he doesn't say what they want him to say is so annoying, but sadly not surprising.
He hit that mute button with a feeling and I’m here for it lol 👏🏽
I wish Dave would’ve just said “I am not here for advice to those who want to live this type of lifestyle.”
Big mistake, lady. She'll be calling Dave again, crying about the mess she made. What a poor example for her children.
I agree. It was obvious that she had her mind made up already.
Just like when my Dad made us homeless 3 years ago with everything including our house invested in stocks which eventually were worthless. We had to live in this big homeless shelter for 6 long months where men would steal your shoes and try to molest you.. We as a family were mortifed.😮😢😢😢
Twice
Luckily that have their father still. The kids will go off and live with him
She walked into a bear trap. She called Dave. What did she expect he would say?
😂😂😂
That everything was hunky dory and shacking up is no biggie.
She’s dumb lmao! Left a good husband and is going to a guy who’s gonna steal everything she owns. He will leave her and her kids destitute. What shame!
She’s foolish lmao! Left a good husband and now is shacking up with a guy who’s gonna take half of what she owns. So sad!
Good question
She is wild for not just finding a 3bed /2bath for $300-$350k and then doing $50k upgrades if she wants it fancy or no upgrades.
yeah idk if we misunderstood her or not. she may have been saying the total cost of the home after renovation is 250k, but yeah if she was saying the renovation would cost 250k alone, thats insane. i think you're even being a bit generous on the price, there are plenty of 3b/2b for well under 300k.
@@Big-Government-Is-The-Problem Depends on where you live. Nothing around here for even twice that.
@@suen5006 yeah thats sad for people that dont already own homes there. i looked at the listings in her area and there are plenty of non mobile/manufactured homes for under $350k that are 3bed 2bath or bigger
I always look forward to him saying "paint or get off the ladder"😂😂😂
$200k for a one bedroom and one bathroom addition to a $200k house? Just buy a 3 bed 2 bath 1500 sqft house for $325k... What a waste!
She’s been swept up by the da gum excitement of the new relationship she forgot the last 17 years of listening to Dave’s advice
Did you listen to the call? Dave immediatly jumped to the conclusion that she wanted to buy the house together. Which was not the case.
@@mtbokor1969It kind of is. She wants to know how to properly shack up. Dave has never and will never encourage anyone to do that. So his advice is to not shack up and not buy anything with a boyfriend.
@@mtbokor1969 first few words out her mouth after “moving in with the boyfriend has gone fantastic”… she says WE are looking at purchasing a home. How else should he interpret that? She changed her question mid call as she was getting told off lol
@@mtbokor1969 "we are looking to purchase" so either she lied or she has multiple personalities. Don't defend this lady lmao
Stop calling Dave with the BS!!!!
I swear every other day there's a video of someone calling in about this exact same situation...
It is not BS. BF and GF lives together all the time without being married.
💯💯
@@jimmymcgill6778 Yeah, and thats an issue
@@jimmymcgill6778And Dave Ramsey has never recommended or encouraged it. So people that are shacking up that call Dave get the same response every time.
So it IS bs because the answer is the same every time.
They just think their situation is different and won’t be financially screwed over or whatever.
Her 2 teenagers need mom and dad now, and she is not even thinking about them
SHe said they spend half their time with the dad.
@@jimmymcgill6778So?
She calls in boasting about having zero debt, no mortgage, large savings/investments. What she means to say is that her husband had those things, then she decided she was unhappy (ignoring the emotional well-being of her children) so she cleaned out the husband and took half of everything he had so she could play house with her new boyfriend.
Bingo!
So correct 👍
And the alimony goes away once she marries him. The plan is to get married. Just after she’s milked the ex-husband as dry as she can via the court system.
1000%
Exactly
He found himself a sugar momma
Excluding all of the religious/societal ramifications of this scenario it is a legal nightmare to untangle a breakup as a result of shacking up with a boyfriend. A listener from 1997 should know that….
it is a legal nightmare to untangle a breakup... period (regardless of marital status, in fact it's simpler and easier without the marriage certificate).
Judge Judy, of all people, said it best.
There is a legal mechanism called marriage. If you bypass that mechanism, don't expect some other court to sort through your mess.
Who paid for the ground beef? Were 7:03 the concert tickets a gift? You lent his sister 400 dollars and now she won't return your calls. He agreed to pay for dinners on Friday if I cooked on Sunday.
Nobody has time to sort through this bs you created.
With marriage there are guidelines. It's established.
^^^^ YES !!
I'm a real estate investor. BAD MOVE PERIOD.
I'm just a normal person who isn't dumb and I know that too. You don't have to try to bolster basic knowledge with your profession.
LOL! This can't be real. Did she really call Dave and ask him how to play house with her boyfriend?
What a stupid call for someone who claims to have been "following the program since 2007".
This lady said she's been listening to Dave for years, yet she knew nothing about what he would say.
Do not do this with a boyfriend. Ditto with girlfriends, fiancees, fiances, brothers,sisters, mothers, fathers, baby mommies, baby daddies .... ect.
This was the dumbest call 🤦🏾♂️
Does she even listen to the show?
😅😅😅😅
Yeah, but she wants to be the one who outsmarts Dave 😂
Dave started hauling her out to the woodshed and she suddenly was, "no no no i didn't mean that! Please Papa Dave noooo!"
4:26 "You won't have to fight over who used the mustard!" 😂
thats what they call it now? lol
What did she think Mr. Ramsey was going to say lol
So she was going to not put his name on the house (I agree, she shouldn’t) but gladly take his money for the renovation and bills?
so he should leave rent free and not pay any bills
Divorced plus boyfriend is already grave sin. No blessings will flow.😮
Also don't put your name on the deed with someone you might end up divorcing... alas technically in every state if the marriage fails divorce is a valid and possible outcome, thus don't put your name on a deed with anyone if you want to follow the reason for Dave's logic.
setting the boyfriend issue aside, downsizing to a 1300 or so SQFT house from 5500 shoudlnt be a $450k house it should be a $200k-300k house. did we or Dave misunderstand her? did she mean its a 200k house and when she said 250k for the renovation did she mean 50k for the renovation or is she saying adding a room and bathroom will cost 250k extra making the total 450k which is what dave thought? how in the heck could adding one more room cost more than the whole house? even if the upgrade is just 50k, thats a headache, there are plenty of 3 bedroom 2-3 bath houses for under 300k.
Such an addition will cost much more than $50K. And $250K is just dumb. After you do $250K additions to a $200K house, you end up with a house worth about $275K.
Ohhh, she didn’t like the reality did she.
The recap at the end is funny. All “3” points are “don’t do this if you’re not married/get married.” Unless he meant the “3 points as a joke, they’re all the same point. But I agree, do it by yourself if you’re not gonna get married. Then all the bills are paid out of one pot. You don’t have to worry about who’s paying for what. Otherwise if you are doing that, it’s up to you guys to figure out how to split it all up. I don’t think Dave has any advice on that when he doesn’t recommend split finances.
yep she is already going against his advice so he doesn't have any advice on how to go about it.
It’s easy to see why she is divorced. I feel bad for those kids.
This lady is looking for trouble.First of all she has moved a man in her house she is not married to. Now she wants to buy a house with a man she is not married to. Maybe she is not a Christian or a follower of Christ. She has money and making these choices. She will cry for these choices. Why would she even call Dave knowing he is an evangelical Christian and a believer and he is not afraid to tell people about the word of God. Do not live with a man you are not legally married to. Do not buy a house, a car, any investment with a man you are not married to. This is why I love Dave, he is worth hundreds of millions of dollars and fears God, faithful to his one legal wife and a genuine man who has integrity. He stands out for the Word in this culture where you get persecuted for your beliefs mostly by people who go to church everyday.
Your life is good already and you want to ruin it with your boyfriend. It’s NOT worth it. Be a blessing to your teenagers.
For whatever reason, I have a bad feeling about the boyfriend, and NOT to make him 'husband'. The feeling I get is that he just found his meal ticket, so marriage is going to be the road to cutting her net worth in half.
The buying small house and doubling the cost with renovations sounds like a nutty idea as well.
Whatever she does, it should be her alone, no marriage, and get the BF to kick in for half the food and utilities and nothing else.
This call is annoying, you're an ADULT with teenagers who has been married before. Talk to your boyfriend (not Dave) about what he makes vs your income and develop a plan to tackle the monthly expenses together.... simple as that.
If you all can't discuss finances, then marriage should definitely not even be a thought.
Marriage may not be a thought .... for him.
@@deirdrekiely6187 Very true lol...But IF it is, they definitely need to be able to talk about finances.
I have an idea, I'm going to call Dave Ramsey and ask what the best way to shack up is! 🙄
I get that people don’t agree with his principles on marriage and shacking up.
I don’t get why those same people then call him and ask him how to shack up???
The dad gum who used the mustard 😂
“I’ve been listening to you since 2007.” Then don’t do anything he says to do.
My husband and I have been happily married over 30 years. .
Prior to marriage we both owned our own homes. He sold his and moved in with me. We lived together about a 1 1/2 yrs before marrying. We agreed to split expenses 50/50. This was fair and worked well. After we married, I sold my home and we built one together. We have always shared expenses based on a salary breakdown. There was a time I paid 70% and he paid 30%. Then I started a business and our plan adjusted to reflect the new income. Adjusted again as I grew my business. Now we’re at 50/50.
No money disputes. We share fairly. It works!
GET MARRIED, Jessica. Thats the answer!🤦🏾♀🤣 She called to ask Ramsey Show how to split with a rommie? Having sex doent change finantial obligations? Hes your roomie, or hubby.
We desperately need more stable dads in society.
Two teenagers are more than capable to help maintain a house. I taught my kids to do chores once they could walk. If you took it out of the toy box at the end of the day you can put it back. 😂😅
We all know Dave isn't gonna cosign buying a house with a boyfriend. Duh!
I think it is playing house. I am young 26, male, single. I am, not interesting in cohabitation. I think Dave is right. It is a roommate. I am not conservative but these men have their mind right. Marriage is a partnership (OUR). You are in finances together. Why get yourself entangled? Hell I say go further. When I get married, I am not merging my bank account and 401k. Divorce is high in the first 10 years. Someone who has to call Dave on how to split the bills knows that man ain’t the one. Because if he was, you would just figure it out.
Once they move in with your permission legally they can't be easily evicted for any reason. This would be considered a "domestic dispute".
This woman sounds exactly like a coworker of mine. Divorce mom with a teen daughter. The BF with 💩 credit and no money moves in. They go to buy a house and she finds out that his name still on the mortgage with his ex- wife and he had a ton of credit debt he never paid.
One of those shows I listened to twice. I’m sitting here in my 1900 sq ft. home and thinking about what it would be like living in half of this house. I looked at house taxes in Madison so I’m giving g a rough estimate of $1,000 per month. Then insurances and power bill that I’ll say $500 a month. It seems manageable if you have a job because there is NOT a mortgage. Is the boyfriend pushing you to sell? Why did you look at this house in particular and Who gave you the estimate of $250K for the addition? I suspect you are receiving alimony that would stop when you remarry. Your boyfriend is not entitled to half of the house because it’s all of YOUR money that’s buying the house.
AND: ask for a prenup and see his reaction and will he agree.
Get married before you are certain so you are more likely to get divorced and loose half your stuff... BRILLIANT finance advice! /rolls eyes.
It’s almost like people seeking Dave’s advice have never tuned into one of his segments.
I know right. Nearly every one of his videos it's just mind boggling. Tbh. I think some of this has to be staged.
There’s no way her 5000+ house in Madison is worth $600k. My mom’s 2000sq in same city is valued at $525k
I agree, just went on Redfin and the cheapest home over 3500 sq is listed at 650.
Maybe she didn't want to be embarrassed telling the real numbers, because she knows this is a big mistake in her heart. Maybe he loved bombed her and she is coming around for air. 3 weeks and I bet he will marry so he can walk away with a nest egg or spend them into bankruptcy. She should do a background check on Rico Suave.
Did she just ask Dave Ramsey how to shack up well?😂
This sounds like some kind of weird honeymoon feeling delusion. Sell the home, take the profit and rent something together. You’re way way way overpaying on this tiny home too.
My wife and I paid our house off around 3 mi this ago, we are debt free. I will call the show today. I hope they answer me.
Oh, people, stop telling Dave you live with someone. It's a no no in Dave's world. 😂
They could watch the countless other videos he’s done and get his answer there.
When's the wedding?
she went through trauma with her ex, who likely bought the current house that she can't upkeep. now, for the rest of her life, she'll never trust being one with another man, and will charge them rent in her homes. very common with women 40 and up.
And in some states, if you live together for 10 years or more, a judge can award one or the other's "stuff" and money to the other in the case of a breakup. I don't remember the exact details, but living together could lead to financial heartache.
Midddle ground: they go 50-50 on the expenses, but she keeps her property, he keeps his.
This inflated housing market all over the country has people quoting numbers that in my mind aren’t really real. Saying I’ve got a paid off 600k house isn’t real when they only paid 200k for it or less.
She stole fathership from her children, stole the house from her husband, now she is about to waste the house through more stupidity.
She could give a crap about her kids
@melanieb2132 we all know that bro smashing her back in
Just wait until he leaves the toilet seat up
this guy hit the jackpot