I walked away from my father's inheritance (not a penny) while my half siblings fought and fought it. To this day, they hate each other. but all of them loves me. You will gain financial peace when you put Jesus first place not money.
It never ceases to amaze me how family members are a fine and dandy with each other until someone dies. I hope I don't become a bitter, old, money-grabbing, hoarder. On that note, I'm off to make a will.
Often I feel it's a result of survivors not understanding one another's motives and rationale. Also people can be irrational, and not understand *why* you should get extra. Or they're just greedy and inconsiderate.
"Death brings out the worst in people." - Watched a similar thing happen to a friend when his grandma died and the 5 children (his parents), began fighting over the ranch, because it was in a fast growing area in suburban sprawl.
It depends on the health of the mom. If the sister had to live on that property and provide eldercare for 5 years that could have been as simple as doing the shopping, cleaning the house, cooking and making sure the electric bill got paid. But if the sister was providing bathing, toileting, medication management and possibly watching over a dementia patient that would be something else entirely.
I told my dad that I didn’t want any of his lands and property and told him to give it to the remaining siblings. A few of my siblings opted out too. The worst thing that can happen to siblings is to fight for property. It’s stupid and never ends well.
My brother is getting everything from my mom. She doesn't have much anyway, other than a house that may or may not be paid off by then, and my brother helped her off financially more than I did, so I'm okay with this arrangement. It won't result in any chaos.
@@auburnanger6679 I totally disagree. If the sister AND her kids are living on the property, rent free, then she's already been paid. That's over a thousand dollars of value she gains every month. If their mom needed extra care, then the sister should be reimbursed for any expenses she paid herself--like prescriptions, nursing, physical therapy, etc. They need to be honest about how much the sister really contributed--how much trouble was mom? If sis had to put her own life on hold, then yeah, she should be paid for that. Otherwise, no.
I love all your cohosts, but it's really fun when it's you and Rachel because she reacts to what comes out of your mouth like an adult daughter who loves you would!
My parents died without a will. It was 15 of us. The State stepped in and told us that if we fought over our parents' property, they would sell it and split the money among us. We quickly came up with a game plan, and the property was split evenly.
Laughed pretty heartily at the loopooooooong silence when Dave asked why they shouldn’t benefit more after they put money into the property and she didn’t. Figure out a fair value of the improvements, assign that to each respective party, and divide the rest evenly. That may be easier said that done, to be fair.
Women are solipsistic. If a situation benefits them, they don’t care about fairness. They care about what will give them the most. That’s their nature unfortunately
I would normally agree but it seems like those siblings took advantage of their mother and received their extra benefits before she died. It's far too common unfortunately. So I say all everything split it evenly and part ways, at least 2 of those siblings sound like they are greedy,manipulating scum. 150k to take care of your mother! Really? Scum!
Who cares? Why should they CONTINUE to be parasites even after their matriarch died? If they wanted all of their investment to be theirs, they could have built elsewhere. They can go kick rocks. She should take a third of it. F 'em (it was their attitude when they were taking advantage of their mom)!
It’s definitely fair to expect that but sometimes one sibling is way more responsible than the others and or has better money management skills unfortunately
I took care of my mom and my two siblings took care of what little inheritance our mom left. She wanted it split 3 ways - however, it was split 2. I haven't spoken to them in years as they don't want to talk to me and I am good. If they, who did not help our mom can look themselves in the mirror - fine ! Because I know I can .
She sounds like the one being unfair. Her sister took care of her mother, her siblings raised the value of the property by investing in it, and her mom put her brother in charge of the will. Now she comes back after not being around wanting everything split evenly. If I were the siblings I’d get as far away from her as quickly as possible.
Daughter and all her kids got free rent. Son put a $50,000 building, not a $500,000. The trust is legally binding. I'm not feeling sorry for a couple of people fighting over $2.2 million. 😂
@@Elizabeth_lowkeyluxuries And she never had to worry once about her mother's eldercare situation because her sister had stepped up and handled it. She is not the one having to worry about acting as the trustee. She is also not the one who had put her own money into the property, thereby increasing its value. She needs to be fair. It's better to accept a little less in a situation like this when all she's doing is collecting her share after the others have all put in the work.
Yeah she kept on weaseling: "How do I put this.." (so I don't look bad.) "It's complicated." no it's not. Your siblings took care of your mom and her property while you were gone for years and now mom's gone you want an equal cut, and even to move in there! No way Jose, get a grip lady. Mom should've dealt with the situation better no doubt, unfortunately situations like these are not uncommon.
Mom should have worked out the estate plan decades ago. It's not fair for one of the siblings to act as the executor, or in this case, the trustee, to sort out her mess. The lesson here is to talk with your children about this subject. There have been a lot of families torn apart when trying to divide an estate.
Probably when she created the trust she was taking care of herself and the property, there weren't all of these buildings being constructed on it and there was no need for her daughter and grandkids to live on the property "rent free". Obviously, things changed and the mom's health went downhill, some of her children got more and more involved in her life while the caller remained at a distance and let things play out. Now that mom has died, the caller just wants her even cut of everything even though her siblings have sunk their own money into the property and the one sister provided home care for their elderly mom.
I agree in principle, but the sister got years of free rent. Was she "taking care of mum" by wiping her butt and administering medication, or just by going out and getting the mail between Netflix binges? Did the brother actually add value to the land? Or just try to take advantage of it for his Hemp business? Questions like these need to be in the mix.
It's nice of the sister to do the care, but unless the mother wanted to compensate her for it, it doesn't really come into it. My stepfather cared for his dad, the thought that would automatically mean he got everything. We used to hear him carrying on to everyone that his sister did him over. Then I found out the father decided to leave a % of the house to his daughter too, and not leave her out.
On the sister taking care of the mother, it could be that she had to retire earlier than she wanted, so that it did put her in a worse financial situation for doing that. The 'free rent' would have been cheaper than having an outsider come in and do it. It depends on a lot of circumstances. The brother building a shed was a bit stupid for sure.
@@StrawberryFieldsNIRyes, and she may have given her life up elsewhere to take care of mum, putting her life on hold while her siblings moved forward with theirs.
There is also one entitled sibling who won’t acknowledge what other siblings have done You can’t have your cake and eat it too. Sometimes you have to give up some of what you want to keep things good
My dad said that a woman died when he was a kid in the 1930s during the depression. She had absolutely nothing, and the kids came in and fought over every table cloth and little thing she had. I always thought that was a good lesson.
My dad didn't want my siblings (his step sons) to know what he had and therefore did not tell them on purpose. It's caused problems since he and Mom have passed, but I totally respect what Dad wanted and how he handled it even though I am now paying the price in my sibling relationships.
I am giving my children and grandchildren things they would like now. Things like paintings, books, musical instruments, keepsakes. If these items are in their homes they will love family history
YES EXACTLY. But still get a Will and Healthcare Power of Attorney. Our kids are wonderful and know/agree with who gets what, but they don't agree with my DNR wishes. So, I put it in writing.
Distinguishing between money management and wealth accumulation is crucial, and the absence of investment education within educational systems could be a factor contributing to individuals' difficulties in sustaining their financial growth.
Agreed, financial advisors play a key role in portfolio allocation and i've been using one since late 2019 just before covid outbreak. So far, I'm barely 25% short of $1m ballpark goal after subsequent investments.
I'd recommend BECKY LOU GORDON. She is a genius when it comes to diversifying her holdings. You can verify her identity for yourself by looking her up online. She is well knowledgeable about the financial markets.
My mother had a simple divide-it-all-evenly will until my oldest brother started talking to her about taking care of the inept siblings via her legacy. It has created bitterness, especially since these are the same siblings Mom has enabled their whole lives. They have taken and taken from Mom (and the other siblings) and ... thanks Mom.
It is sad that every where around me is now an apartment duplex or condo. This was once family farms. Once the old ones die off they just sell it instead of farming it
I am in financial services and I strongly recommend all my clients have a will in place. It amazes me how many don't. Also, have a medical directive in place!
A will wouldn’t have hopes this situation. She already had a trust in place on the property, the problem is they don’t like the trust. They would have the same problem with a will.
We've told our family elders that if they want all the kids and grandkids to get along and not fight after they pass on, they need to legally document what they want to happen with their details. Period. There's a 90% chance that the kids all end up at war and the family becomes permanently broken if they don't!
At least everyone knows it's what the deceased wished, and you can deem it the last word. (But it's true and everybody also knows that the malcontent(s) will not be contented, regardless :-)@@lthage373
@@lthage373 This is why they need to discuss the "gifts" while they're still alive. Deal with these disagreements before you throw in grief and confusion.
@@cariwaldick4898My in laws are planning a family reunion next summer to go over all of this with their kids. They have 17 acres and a house. But as they’re aging, it seems less likely they’ll be living in their home for the duration of their lives. So my FIL is wanting to discuss with the kids. He also updates them regularly on the maintenance of their land. All three kids live in different states. It should be interesting.
It feels like this was clearly defined…mom clearly wanted the property split evenly. The problem isn’t in it being unclear, it’s just they don’t like the outcome. To me this seems like an easy fix…honor the will. Everyone is getting something for free, and they shouldn’t be complaining because someone else got more for free.
My grandparents were smart my Papa’s will said Mama could remain on the farm and when she died property and belongings would be sold and money divided equally among children. If you wanting something you could bid on it at the auction. It worked for the most part but one daughter stayed at the house and helped herself. Thankfully she was the only greedy one. She always was and grand mom always let her get away with it.
My mother in law moved in with us at the end of her life. She spend $20,000 to change our floor plan but them took that money out of my wife inheritance. All good but it assumes the $20,000 increased the value of our home which it did not. We now have to spend about $30,000 to put the floor plan back so we can sell the house. So we are out $50,000 and have not said anything to anyone. My wifes family are good people if we said anything they would give us some money. But they do not have very much money. We knew this going in so no surprises and we are OK with the decisions we made.
You don't want to transfer property by a will. Many States do transfer on death or Beneficiary deeds. Death certificates and deed will be at the State>> FREE transfer.
Dave, you nailed it; the trust did not adjust for actions taken and the siblings took actions w/o consulting the others about repercussions. Stupid. Stupid for the trustee not to say anything. Stupid for every sibling to know about these actions and not insist on discussion. So, Much. Stupidity. Not all farm families are idiots, but these are.
Mom had a deed at death to five of us. There was no indication that one was to have more percentage than the other.Two of my siblings had dwellings on the property and we knew Mom would have wanted little sister to have her house. One brother thought he should get everything because he claimed he took care of her ( while he lived rent free and she even tried to pay him abit along the way.) He is still unhappy that he didn't get more than 1/5 land area. we agreed to NOT divide the estate equally according to value ( the parts with dwelling having more value ) but just to divide by acreage, making sure the ones who had dwellings received the acreage where their dwelling sat. In 1985 my grandmother died and left part of her property to 5 of her children. This property has never been settled. Most of the Aunts have died and their children will be left to fight over the property. People should really get their acts together and be plain stated about who gets what where when it comes to real property.
There are 5 of us. I'm in my early 60s. My mom died 30 years ago. Dad is still alive at 89. He is of the opinion his will ....his finances...are his business as he is still sound of mind. He says his will is not open for discussion as it's none of our business until he's dead. It will be a surprise in the end, and probably not a good surprise.
This is EXACTLY why I hate the concept of a shared family property. One person always ends up putting in the sweat equity to take care of the place, and everyone else wants to use it or profit off of it without contributing anything. It always ends badly.
Kind of like school projects. I’m still salty. In college, I worked with two of my friends on a project. My one friend and I did the most work. Our other friend couldn’t meet up so didn’t contribute as much. Come time for a grade, they gave themselves top scores and docked me. Despite the fact that I supplied the materials, out the effort in, and showed up. I can’t imagine fighting over my parents assets. Sounds awful.
Even without any assets, if you have children you MUST have a trust, will and advanced directive. If both parents die, the children are placed in foster care until the state determines who they get to go live with. In 50-50 states and with everyone on their 3rd marriages the new spouse gets EVERYTHING by default even if there’s biological children/grandchildren. Good ol California! My dads 3rd wife of SIX months snatched my dads entire estate even with me as the named beneficiary on his work financials. The only time a named beneficiary works is on a life insurance policy. All financial things will default to the spouse. My dad left a mess at 50 years old. He was healthy. Died very suddenly. The worst of all was fighting with the new wife and her five kids for three years only to end up with nothing. My dad kept telling me all she wanted was his money right before he died and he was right. Crappiset part is he probably did have a trust that she got ahold of. These aren’t filed anywhere so if it gets destroyed, or stolen, it’s null. This woman had just left my dad the week prior to his death. I believe he died of a broken heart. Can’t wait to see him again in Heaven ❤
Poor Rachel keeps trying to talk and Dave is on a rampage! Lol We get it, get a will! I too get frustrated with families who fight about this stuff, it is infuriating. Write it down. Get over it. It's called adulting. We all need to do it. I'm with ya!
I helped my grandpa set up his will and trust. His kids fighting so much that the lawyer paid to do the execution of the estate returned the fees and walked away
I saw a situation recently where the lady I met and her late husband set up a trust in the mid 2000s. Then his 2 daughters got him to sign a will where he left bank accounts, cars and a house to them. The lady (stepmom) is now in a battle with the daughters in court over the assets. I’m pretty sure that since all of those assets should have been in the trust, he wouldn’t have been owners of any of the assets when the Will was signed.
@@barnabusdoyle4930 The will would have been a "pour over" will inside of the trust. You don't have a will with a trust, the whole point is to avoid probate.
@@barnabusdoyle4930I just don’t understand this selfishness. My parents certainly don’t have much. A house, life insurance, that’s about it. And I don’t want nor do I feel entitled to it. My mom made it clear everything is split between my brother and me. (Which presents its own problem because he’s a drug addict and I refuse to help him kill himself with a lump sum of money. But that’s another topic for another day.) My dad and stepmom have half an acre of land. I have two step brothers so I fully expect all of their assets to go to them. I’m not entitled to any of it. I would at most ask for a few personal keepsakes, if they’re agreeable. I don’t need or expect anything from them. And I certainly wouldn’t fight my step brothers over it. Even for my dad’s assets. Again, a few personal keepsakes.
My mother left her house entirely to my brother because he wasnt working and wouldnt get a job. He somehow ended up losing it. It wasnt paid off, but the bill was so old it was only a couple $100 a month. If hed had a job before that, could have gotten mortgage insurance for even less, and had it free and clear.
Little brother has to put emotions aside and specifically follow terms of the trust. Those who added fixed buildings also took value from the soil, essentially a trade. Without legal agreement pertaining to their additions, those additions are now part of Mother's estate. They just have to suck it up.
😂 love the last part when Ramsey goes on a rant wake people up man there crazy people out there just not listening I remember working at the bank I have seen messed up crap when parents die and all the kids cousins come out of the wood work 😂
My mom was concerned about being fair with her estate (she is still alive and well.) She has helped my sister financially significantly over the years. I told her that all three of us siblings have gotten help over the years, and I received financial help when I was getting my degree, and that is just as valuable as what she helped my sister for over the years. So it is to be evenly divided. She gave my sister and I equivalent executor duties, but my brother none, because he would not honor her wishes for certain things (he is a religious nut, and not in a good way)
Even though you have a will, check with all your accounts and make sure you fill out beneficiary forms. My parents had wheels and everything but Mom failed to fill out one one page form for one of her accounts. It meant that I had to hire a lawyer in florida, create an estate get an ein, do loads and loads of paperwork and it's almost a year later and we still don't have that account.
My sister and I had my parents house split down the middle when it sold. No issues thank goodness. When her husband died suddenly with no will in place, my sister offered her husband's child born before they got together and from his first marriage - that my sister helped to break up I discovered later on - my sister offered this girl only $10,000.00 and told her to F off. That poor girl called me sobbing asking what was wrong with my sister. I live overseas luckily. I told her this is who she is and she needs to fight for her third of the estate. There was a properly mixed up in this too. No Will equals a mess. I saw it happen. Luckily she held out and pushed back on my sister enough for her to give her a larger portion of everything her dad had worked for and bought a home soon after with her husband.
The issue is the siblings put buildings on it with their own money so thus they 'should' get more of the money if they sell it... It's a screwed up situation for sure.
If you agree to be a caretaker and expect compensation, then you ask to be paid upfront. Then when it comes time to split the inheritance, there’s no call to expect a greater portion. If you build a barn on someone else’s land, well, that’s just not very smart. If you want to build a house on your share of inherited land, you have to split the value of the land three ways, and then if the parcel you wish to build on exceeds your share, you have to buy your siblings out.
Caller sounds like she doesn't want to receive an inequitable share but then doesn't want her siblings to get their equitable share. When the trust says they divide the farm equally I don't think it means subdivide the land rather have an equal stake in the entire farm, but she seems to think it matters what part of the land has the buildings on it. I think its a lot simpler than the caller has in her mind, and I didn't hear any reason why they can't all sit down and figure it out.
I assumed it had to do with her siblings not giving her her cut. Maybe they’re trying to not give her anything when she’s entitled to a third. And she wants to live on the land but the siblings are having a fit. Just a few assumptions.
My aunt colluded and persuaded my grandma to write my dad out of the will. He only found out about because he was helping his mom clean,move, and sell her house so she could move to a senior community and happened to find it. My aunt is not a good person (to say the least). What did my dad do…move out of state because of job opportunity…thus he hasn’t been able to help take care of things like his sister. Bottom line this stiff happens protect yourself
Oh what a convoluted mess! Depending on how much or how little she needs any $$ from the property, her best action may be to simply walk away. Or, force a full sale and divvy up the $$ in various shares.
In our culture, we don't talk about death or money. And this topic involves both. If you do try to be the adult and insist on things being in writing or split up equitably, you're seen as heartless or a money-grubber. "You don't trust your family??" No, I don't. Because people can be irrational, unthinking, or just plain greedy. And I bet over half of the middle class is in this boat. What ends up happening is, the strongest personality gets to say how things go, or else a sneaky relative figures out how to take a portion and run.
when we found our mother was terminally ill our divorced sister Dianna stayed with our mom the entire 9 months she lived we took turns between all of us working and some of us still raising kids . we took turns coming after work and cooked and did our Moms laundry and our sisters laundry when needed. we cleaned and shopped when. needed. some of us took off work to get her to appointments or when she was in the hospital because some had more flexibility than Dianna did. I slept in my own bed except one night in 9 months while Dianna was up at times. Mother left her home to Dianna and I was so happy she did. Dianna has passed away since then and I am still so grateful that she helped so much and that she got to know that❤
My dad had a 120 acre hunting property with small house...my 4 sister's wanted they're money fast, so I had to get a loan and put my ⅕ down on a farm that has been paid for since the 70s I have it half paid off again, they're all broke again
Our family doctor had an appointment with my dad. They are old friends. He looked at his chart, then looked at him- "Well friend, you are going to die, but we don't have any data on how or when."
My mother-in-law has a net worth of over $200,000, four adult children, and a history of making minor financial mistakes. She's 77 yrs old but doesn't want to discuss end-of-life financial arrangements, because "It sounds like you just want me for my money." This is after we've had a lifetime of ongoing relationship. We've demonstrated we don't "just want her for her money." We just don't want her to mess it up somehow and leave everyone with nothing because of some foreseeable error. It's possible to love someone and also not want to miss out on $50,000 due to a mistake. That doesn't make us money-grubbers. This is also after she had her own struggles with her siblings due to disagreements over her own mother's estate. So she of all people should understand.
All jokes aside this is a really great episode if you were to pass what happens to your assets very good Ramsey I wish you show was more recognized by the general public
It's fair, very fair, it is in the trust, this kind of stuff is actually common in the old country, if you inherit the family land, you don't get to do whatever you want with it.
@@greggpurviance7252 non the less it is still very fair, they must abide by the family trust. I know I won't let my kids squander the wealth that they inherit.
Who told the siblings to put money into the property? If the trust says it gets divided equally then tough shit it gets divided equally. What the siblings should have done BEFORE they put money in the property was to have changed the trust to reflect that they invested in the property and a split of the property commensurate with their investment.
Tenancy by the entirety is a form of joint ownership of property that is reserved only for married couples. It means that each spouse owns an undivided interest in the property, and they are considered one legal entity. one legal entity
"GET A WILL". I'm not familiar with the COMPLETE story, but I have heard about Joe Robbie -- he was an attorney who owned part (or maybe ALL) of the Miami Dolphins in the NFL. I heard he died without a will, and the estate tax was so large, his heirs had to SELL THE MIAMI DOLPHINS to pay the tax !!!
We have a copy in our fire box and I think my parents may have a sealed copy in theirs, as well, as they're closest to us geographically and who our son would most likely go to in the event of my husband's and my demise. I think you need to get it notarized which you can do through an independent agent or a bank. Definitely worth the time and money for the peace of mind.
I walked away from my father's inheritance (not a penny) while my half siblings fought and fought it. To this day, they hate each other. but all of them loves me. You will gain financial peace when you put Jesus first place not money.
That's what I would do. 💯
How much $
Amen
It never ceases to amaze me how family members are a fine and dandy with each other until someone dies. I hope I don't become a bitter, old, money-grabbing, hoarder. On that note, I'm off to make a will.
Often I feel it's a result of survivors not understanding one another's motives and rationale. Also people can be irrational, and not understand *why* you should get extra.
Or they're just greedy and inconsiderate.
Woof🎉🎉🎉
"Death brings out the worst in people." - Watched a similar thing happen to a friend when his grandma died and the 5 children (his parents), began fighting over the ranch, because it was in a fast growing area in suburban sprawl.
Late 60s and her mom was still alive. What a blessing to have her mom that long.
depends on the mom.
@@janelleg597 true. Was just thinking about my own mom.
It depends on the health of the mom. If the sister had to live on that property and provide eldercare for 5 years that could have been as simple as doing the shopping, cleaning the house, cooking and making sure the electric bill got paid. But if the sister was providing bathing, toileting, medication management and possibly watching over a dementia patient that would be something else entirely.
Mine lasted until I was 18 yrs old . Single mom
Her mother may have had her in her late teens? People married young during her generation.
I told my dad that I didn’t want any of his lands and property and told him to give it to the remaining siblings. A few of my siblings opted out too. The worst thing that can happen to siblings is to fight for property. It’s stupid and never ends well.
My brother is getting everything from my mom. She doesn't have much anyway, other than a house that may or may not be paid off by then, and my brother helped her off financially more than I did, so I'm okay with this arrangement. It won't result in any chaos.
She needs to pay her family back with her 3rd. The sister caring for her mother should have monetary value
@@auburnanger6679 I totally disagree. If the sister AND her kids are living on the property, rent free, then she's already been paid. That's over a thousand dollars of value she gains every month. If their mom needed extra care, then the sister should be reimbursed for any expenses she paid herself--like prescriptions, nursing, physical therapy, etc. They need to be honest about how much the sister really contributed--how much trouble was mom? If sis had to put her own life on hold, then yeah, she should be paid for that. Otherwise, no.
@@cariwaldick4898
I agree with what you stated. Dave even stated the same thing.
@@Dreamprism You are a good brother
I love all your cohosts, but it's really fun when it's you and Rachel because she reacts to what comes out of your mouth like an adult daughter who loves you would!
Right? When he made the comment about Biden and she just covered her face 😂😂😂
The best pairing :)
Rachel has no hesitation to disagree with Dave on occasion.
@@voidfroze that was the best part 😁
My parents died without a will. It was 15 of us. The State stepped in and told us that if we fought over our parents' property, they would sell it and split the money among us. We quickly came up with a game plan, and the property was split evenly.
Split like you sold the property or you guys keep the property?
@@unfairsanic5089 We kept the land
I love when Dave gets fired up. I recognize it’s not good for blood pressure, but it’s my guilty pleasure.
I know. I just laugh and laugh. That is what makes the show so good.
Laughed pretty heartily at the loopooooooong silence when Dave asked why they shouldn’t benefit more after they put money into the property and she didn’t. Figure out a fair value of the improvements, assign that to each respective party, and divide the rest evenly. That may be easier said that done, to be fair.
Women are solipsistic. If a situation benefits them, they don’t care about fairness. They care about what will give them the most. That’s their nature unfortunately
I would normally agree but it seems like those siblings took advantage of their mother and received their extra benefits before she died. It's far too common unfortunately. So I say all everything split it evenly and part ways, at least 2 of those siblings sound like they are greedy,manipulating scum. 150k to take care of your mother! Really? Scum!
Who cares? Why should they CONTINUE to be parasites even after their matriarch died? If they wanted all of their investment to be theirs, they could have built elsewhere. They can go kick rocks. She should take a third of it. F 'em (it was their attitude when they were taking advantage of their mom)!
@@dano8613150k for adult care Is cheap my guy. I'm a firm believer in whoever takes care of the parent last gets the majority of everything
Is the hemp is the kind you use to get high or the edible hemp seeds you buy from the regular grocery store?
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I take care of my mom. She and no one else owes me jack. I'm a grown *ss man with money & integrity.
I think it's fair to expect your siblings to contribute though. What that contribution *is*, is up to you guys.
It’s definitely fair to expect that but sometimes one sibling is way more responsible than the others and or has better money management skills unfortunately
13:36 Knives Out was a great movie and a good plot twist during the "reading of the will" scene. lol
Dave is correct on this. Take the total value, subtract what each person put in ie; buildings… and the divide the rest by 1/3. That’s pretty clean
If they can’t agree to that, then they just need to follow the trust.
I took care of my mom and my two siblings took care of what little inheritance our mom left. She wanted it split 3 ways - however, it was split 2. I haven't spoken to them in years as they don't want to talk to me and I am good. If they, who did not help our mom can look themselves in the mirror - fine ! Because I know I can .
"If Dave dies this year . . . ." Love how he doesn't sugarcoat!
She sounds like the one being unfair. Her sister took care of her mother, her siblings raised the value of the property by investing in it, and her mom put her brother in charge of the will. Now she comes back after not being around wanting everything split evenly. If I were the siblings I’d get as far away from her as quickly as possible.
Those are good points.
it did kinda sound that way. hopefully she will take daves advice and let them get more from the property they put money into.
Daughter and all her kids got free rent. Son put a $50,000 building, not a $500,000. The trust is legally binding. I'm not feeling sorry for a couple of people fighting over $2.2 million. 😂
@@Elizabeth_lowkeyluxuries And she never had to worry once about her mother's eldercare situation because her sister had stepped up and handled it. She is not the one having to worry about acting as the trustee. She is also not the one who had put her own money into the property, thereby increasing its value. She needs to be fair. It's better to accept a little less in a situation like this when all she's doing is collecting her share after the others have all put in the work.
Yeah she kept on weaseling: "How do I put this.." (so I don't look bad.) "It's complicated." no it's not. Your siblings took care of your mom and her property while you were gone for years and now mom's gone you want an equal cut, and even to move in there! No way Jose, get a grip lady. Mom should've dealt with the situation better no doubt, unfortunately situations like these are not uncommon.
Mom should have worked out the estate plan decades ago. It's not fair for one of the siblings to act as the executor, or in this case, the trustee, to sort out her mess. The lesson here is to talk with your children about this subject. There have been a lot of families torn apart when trying to divide an estate.
Probably when she created the trust she was taking care of herself and the property, there weren't all of these buildings being constructed on it and there was no need for her daughter and grandkids to live on the property "rent free". Obviously, things changed and the mom's health went downhill, some of her children got more and more involved in her life while the caller remained at a distance and let things play out. Now that mom has died, the caller just wants her even cut of everything even though her siblings have sunk their own money into the property and the one sister provided home care for their elderly mom.
I bet she was too sick or mentally unwell to update it.
*Real talk. Mr Dave Ramsey. You can’t die anytime soon. Many of us enjoy hearing your wisdom*
I just love when people Who have no money in a situation have the loudest voice
The sister took care of the mom. The brother took care of the property. She did nothing and wants to get 1/3 of the value of everything. NO WAY.
I agree in principle, but the sister got years of free rent. Was she "taking care of mum" by wiping her butt and administering medication, or just by going out and getting the mail between Netflix binges?
Did the brother actually add value to the land? Or just try to take advantage of it for his Hemp business?
Questions like these need to be in the mix.
It's nice of the sister to do the care, but unless the mother wanted to compensate her for it, it doesn't really come into it.
My stepfather cared for his dad, the thought that would automatically mean he got everything. We used to hear him carrying on to everyone that his sister did him over. Then I found out the father decided to leave a % of the house to his daughter too, and not leave her out.
On the sister taking care of the mother, it could be that she had to retire earlier than she wanted, so that it did put her in a worse financial situation for doing that. The 'free rent' would have been cheaper than having an outsider come in and do it. It depends on a lot of circumstances. The brother building a shed was a bit stupid for sure.
@@StrawberryFieldsNIRyes, and she may have given her life up elsewhere to take care of mum, putting her life on hold while her siblings moved forward with theirs.
It belonged to the mother, and her wishes are what matters. Period.
Imagine being in your 60s and fighting over inheritance
Yes, imagine? A lot more common than you think
Imagine how sad their mom would be hearing her children fight over the home and land that she had hoped would be a blessing to them all.
They plotted on their inheritance from teenage years. They make poor decisions for their life thinking I’m going to be rich when I get my inheritance.
@@goofygirl1311 Mom obviously didn't care enough to leave a comprehensive will that would have eliminated the confusion.
@@stevenporter863 She was old and probably a bit senile. She trusted her kids to handle things.
There is also one entitled sibling who won’t acknowledge what other siblings have done
You can’t have your cake and eat it too. Sometimes you have to give up some of what you want to keep things good
My dad said that a woman died when he was a kid in the 1930s during the depression. She had absolutely nothing, and the kids came in and fought over every table cloth and little thing she had. I always thought that was a good lesson.
Indeed🎉🎉🎉
My dad didn't want my siblings (his step sons) to know what he had and therefore did not tell them on purpose. It's caused problems since he and Mom have passed, but I totally respect what Dad wanted and how he handled it even though I am now paying the price in my sibling relationships.
True..the loving and caring have different meaning!
Your dad was looking out for you if his assets were there before he married your mother.
It really shows how much you were “loved” when you die and your family fights over your spoils 😒
I am giving my children and grandchildren things they would like now. Things like paintings, books, musical instruments, keepsakes. If these items are in their homes they will love family history
YES EXACTLY. But still get a Will and Healthcare Power of Attorney. Our kids are wonderful and know/agree with who gets what, but they don't agree with my DNR wishes. So, I put it in writing.
@@pattyajones already did it.
Tell it like it is, Dave! Get a will and/or trust, yesterday!!
Yes!!!!
more reason everyone should get a financial advisor , i mean a good financial coach will let you know about "the need for will" and "trust"
Distinguishing between money management and wealth accumulation is crucial, and the absence of investment education within educational systems could be a factor contributing to individuals' difficulties in sustaining their financial growth.
Agreed, financial advisors play a key role in portfolio allocation and i've been using one since late 2019 just before covid outbreak. So far, I'm barely 25% short of $1m ballpark goal after subsequent investments.
I've actually been looking into advisors lately, the news I've been seeing in the market hasn't been so encouraging. who's the person guiding you?
I'd recommend BECKY LOU GORDON. She is a genius when it comes to diversifying her holdings. You can verify her identity for yourself by looking her up online. She is well knowledgeable about the financial markets.
excellent share, just confirmed her page online after inputting her full name on my browser, she seems valid. very much appreciate it.
Oh lord! I enjoy listening to Dave and whichever cohost he’s with on any given episode. But shows like this one take that up a notch.
My in laws have it all figured out. They tell us that there’s a box with all their paperwork and an attorney. My parents have not planned at all.
My mother had a simple divide-it-all-evenly will until my oldest brother started talking to her about taking care of the inept siblings via her legacy. It has created bitterness, especially since these are the same siblings Mom has enabled their whole lives. They have taken and taken from Mom (and the other siblings) and ... thanks Mom.
Every fam has those! Ugh 😩
Exactly this was such a good session. All it takes is some planning. And yes it’s going to be uncomfortable but grown up need to do this.
It is sad that every where around me is now an apartment duplex or condo. This was once family farms. Once the old ones die off they just sell it instead of farming it
Need more zombie farmers who will keep farming after they died out
No money in farming it’s almost impossible to get a decent living, most people who farm do it for the love and love don’t pay the bills anymore
@@rory644 Plus unfair government regulations will kill small farmers in favor of the crony big food companies.
I am in financial services and I strongly recommend all my clients have a will in place. It amazes me how many don't. Also, have a medical directive in place!
Not just a Will but life insurance is well. I’m the only person in my office (30ish people) with a term policy
A will wouldn’t have hopes this situation. She already had a trust in place on the property, the problem is they don’t like the trust. They would have the same problem with a will.
@@TSULLY210 yep. By the time my term life insurance expires, my retirement account will be right at seven figures.
We've told our family elders that if they want all the kids and grandkids to get along and not fight after they pass on, they need to legally document what they want to happen with their details. Period. There's a 90% chance that the kids all end up at war and the family becomes permanently broken if they don't!
Having a will does not mean the kids won't fight. If they don't like their "gift," they're gonna fight.
At least everyone knows it's what the deceased wished, and you can deem it the last word. (But it's true and everybody also knows that the malcontent(s) will not be contented, regardless :-)@@lthage373
@@lthage373 This is why they need to discuss the "gifts" while they're still alive. Deal with these disagreements before you throw in grief and confusion.
@@cariwaldick4898My in laws are planning a family reunion next summer to go over all of this with their kids. They have 17 acres and a house. But as they’re aging, it seems less likely they’ll be living in their home for the duration of their lives. So my FIL is wanting to discuss with the kids. He also updates them regularly on the maintenance of their land. All three kids live in different states. It should be interesting.
This kind of family drama is always a challenge. As a rule, anything like this should be clearly defined beforehand to prevent complications later.
These people moved onto the property after the trust was written, I’m sure.
It feels like this was clearly defined…mom clearly wanted the property split evenly. The problem isn’t in it being unclear, it’s just they don’t like the outcome. To me this seems like an easy fix…honor the will. Everyone is getting something for free, and they shouldn’t be complaining because someone else got more for free.
My grandparents were smart my Papa’s will said Mama could remain on the farm and when she died property and belongings would be sold and money divided equally among children. If you wanting something you could bid on it at the auction. It worked for the most part but one daughter stayed at the house and helped herself. Thankfully she was the only greedy one. She always was and grand mom always let her get away with it.
Love it when Dave gets fired up LOL
My mother in law moved in with us at the end of her life.
She spend $20,000 to change our floor plan but them took that money out of my wife inheritance.
All good but it assumes the $20,000 increased the value of our home which it did not.
We now have to spend about $30,000 to put the floor plan back so we can sell the house.
So we are out $50,000 and have not said anything to anyone.
My wifes family are good people if we said anything they would give us some money.
But they do not have very much money.
We knew this going in so no surprises and we are OK with the decisions we made.
We have a will in place for our kids, but we moved states a few years ago. I didn't realize it's state specific.
You don't want to transfer property by a will.
Many States do transfer on death or Beneficiary deeds.
Death certificates and deed will be at the State>> FREE transfer.
You should always revisit your will once in x number of years depending on what life events are happening.
Yes Dave. Priorities for 2023 end..
1. Complete a will
2. Be debt free
3. Go to the gym 3 times a week
😊
Hahaha
be generous
Dave, you nailed it; the trust did not adjust for actions taken and the siblings took actions w/o consulting the others about repercussions. Stupid. Stupid for the trustee not to say anything. Stupid for every sibling to know about these actions and not insist on discussion. So, Much. Stupidity. Not all farm families are idiots, but these are.
Mom had a deed at death to five of us. There was no indication that one was to have more percentage than the other.Two of my siblings had dwellings on the property and we knew Mom would have wanted little sister to have her house. One brother thought he should get everything because he claimed he took care of her ( while he lived rent free and she even tried to pay him abit along the way.) He is still unhappy that he didn't get more than 1/5 land area. we agreed to NOT divide the estate equally according to value ( the parts with dwelling having more value ) but just to divide by acreage, making sure the ones who had dwellings received the acreage where their dwelling sat. In 1985 my grandmother died and left part of her property to 5 of her children. This property has never been settled. Most of the Aunts have died and their children will be left to fight over the property. People should really get their acts together and be plain stated about who gets what where when it comes to real property.
There are 5 of us. I'm in my early 60s. My mom died 30 years ago. Dad is still alive at 89. He is of the opinion his will ....his finances...are his business as he is still sound of mind. He says his will is not open for discussion as it's none of our business until he's dead. It will be a surprise in the end, and probably not a good surprise.
Indeed😊 he giftig it all to some cats😊
Rachel's reactions to the Dave rant is priceless
This is EXACTLY why I hate the concept of a shared family property. One person always ends up putting in the sweat equity to take care of the place, and everyone else wants to use it or profit off of it without contributing anything. It always ends badly.
Kind of like school projects.
I’m still salty. In college, I worked with two of my friends on a project. My one friend and I did the most work. Our other friend couldn’t meet up so didn’t contribute as much. Come time for a grade, they gave themselves top scores and docked me. Despite the fact that I supplied the materials, out the effort in, and showed up.
I can’t imagine fighting over my parents assets. Sounds awful.
Even without any assets, if you have children you MUST have a trust, will and advanced directive. If both parents die, the children are placed in foster care until the state determines who they get to go live with. In 50-50 states and with everyone on their 3rd marriages the new spouse gets EVERYTHING by default even if there’s biological children/grandchildren. Good ol California! My dads 3rd wife of SIX months snatched my dads entire estate even with me as the named beneficiary on his work financials. The only time a named beneficiary works is on a life insurance policy. All financial things will default to the spouse. My dad left a mess at 50 years old. He was healthy. Died very suddenly. The worst of all was fighting with the new wife and her five kids for three years only to end up with nothing. My dad kept telling me all she wanted was his money right before he died and he was right. Crappiset part is he probably did have a trust that she got ahold of. These aren’t filed anywhere so if it gets destroyed, or stolen, it’s null. This woman had just left my dad the week prior to his death. I believe he died of a broken heart. Can’t wait to see him again in Heaven ❤
1) I love Rachel’s face while her dad is ranting about how he’s gonna die 2) I love how death positive Dave is, truly
Caller: My mom recently passed away.
Dave: She needs to have her butt kicked.
😂😂😂😂
crude
@@mistiinseattlecome on, have a sense of humor! It is all our fate!
@@mistiinseattleDave said it
Dave: How much is her yearly income, does she have a car?
Poor Rachel keeps trying to talk and Dave is on a rampage! Lol We get it, get a will! I too get frustrated with families who fight about this stuff, it is infuriating. Write it down. Get over it. It's called adulting. We all need to do it. I'm with ya!
"It does not increase your probability of death when you do a will!" 😅
I helped my grandpa set up his will and trust. His kids fighting so much that the lawyer paid to do the execution of the estate returned the fees and walked away
I saw a situation recently where the lady I met and her late husband set up a trust in the mid 2000s. Then his 2 daughters got him to sign a will where he left bank accounts, cars and a house to them. The lady (stepmom) is now in a battle with the daughters in court over the assets. I’m pretty sure that since all of those assets should have been in the trust, he wouldn’t have been owners of any of the assets when the Will was signed.
@@barnabusdoyle4930 The will would have been a "pour over" will inside of the trust.
You don't have a will with a trust, the whole point is to avoid probate.
@@barnabusdoyle4930I just don’t understand this selfishness. My parents certainly don’t have much. A house, life insurance, that’s about it. And I don’t want nor do I feel entitled to it. My mom made it clear everything is split between my brother and me. (Which presents its own problem because he’s a drug addict and I refuse to help him kill himself with a lump sum of money. But that’s another topic for another day.) My dad and stepmom have half an acre of land. I have two step brothers so I fully expect all of their assets to go to them. I’m not entitled to any of it. I would at most ask for a few personal keepsakes, if they’re agreeable. I don’t need or expect anything from them. And I certainly wouldn’t fight my step brothers over it. Even for my dad’s assets. Again, a few personal keepsakes.
My mother left her house entirely to my brother because he wasnt working and wouldnt get a job. He somehow ended up losing it. It wasnt paid off, but the bill was so old it was only a couple $100 a month. If hed had a job before that, could have gotten mortgage insurance for even less, and had it free and clear.
Little brother has to put emotions aside and specifically follow terms of the trust. Those who added fixed buildings also took value from the soil, essentially a trade. Without legal agreement pertaining to their additions, those additions are now part of Mother's estate. They just have to suck it up.
The hemp grower made money.Dave is wrong.Divide it evenly.That is the law.
I love Dave!!! He's the best!
15:25
Rachel is loving Dave's rant😂😂😂
I love when Dave rants about the government/politicians, especially with Biden and FAUCI!!!!
Top moment 😂
😂 love the last part when Ramsey goes on a rant wake people up man there crazy people out there just not listening I remember working at the bank I have seen messed up crap when parents die and all the kids cousins come out of the wood work 😂
Rachel is like "SO!" loud enough to stop her dad from talking!😂😂😂😂
My mom was concerned about being fair with her estate (she is still alive and well.) She has helped my sister financially significantly over the years. I told her that all three of us siblings have gotten help over the years, and I received financial help when I was getting my degree, and that is just as valuable as what she helped my sister for over the years. So it is to be evenly divided. She gave my sister and I equivalent executor duties, but my brother none, because he would not honor her wishes for certain things (he is a religious nut, and not in a good way)
Rachel’s eye rolling usual says it all. No words needed.
My mom finally died "5 minutes ago" so let's start fighting over the money!
That's disgusting 😠
She said 5 months ago
@@ericakusztos3394 no put subtitles you will see.
TH-cam subtitles don't always get it right.@@polares420
@@polares420 It sounds like 5 minutes... but it was 5 months.
@@TheFlyingZulu
It sounds like 5 minutes because she said 5 minutes!
Dave at his best, speaking the truth.
Even though you have a will, check with all your accounts and make sure you fill out beneficiary forms. My parents had wheels and everything but Mom failed to fill out one one page form for one of her accounts. It meant that I had to hire a lawyer in florida, create an estate get an ein, do loads and loads of paperwork and it's almost a year later and we still don't have that account.
Wills not wheels
Also important to know the beneficiary designations on accounts override what is in the will.
That's not so bad. My mom passed in 2004 & we're STILL trying to get her stock shares sold & distributed!!!!
My sister and I had my parents house split down the middle when it sold. No issues thank goodness. When her husband died suddenly with no will in place, my sister offered her husband's child born before they got together and from his first marriage - that my sister helped to break up I discovered later on - my sister offered this girl only $10,000.00 and told her to F off. That poor girl called me sobbing asking what was wrong with my sister. I live overseas luckily. I told her this is who she is and she needs to fight for her third of the estate. There was a properly mixed up in this too. No Will equals a mess. I saw it happen. Luckily she held out and pushed back on my sister enough for her to give her a larger portion of everything her dad had worked for and bought a home soon after with her husband.
I'd sell the whole thing and split the money equally and walk away.
The issue is the siblings put buildings on it with their own money so thus they 'should' get more of the money if they sell it... It's a screwed up situation for sure.
Great advice from Dave all around on this one. I totally agree with all the suggestions.
😆😆 You go Dave!
Ramsey for President! 🇺🇸
He’d be better in congress to get them on a damn budget.
If you agree to be a caretaker and expect compensation, then you ask to be paid upfront. Then when it comes time to split the inheritance, there’s no call to expect a greater portion. If you build a barn on someone else’s land, well, that’s just not very smart. If you want to build a house on your share of inherited land, you have to split the value of the land three ways, and then if the parcel you wish to build on exceeds your share, you have to buy your siblings out.
Caller sounds like she doesn't want to receive an inequitable share but then doesn't want her siblings to get their equitable share. When the trust says they divide the farm equally I don't think it means subdivide the land rather have an equal stake in the entire farm, but she seems to think it matters what part of the land has the buildings on it. I think its a lot simpler than the caller has in her mind, and I didn't hear any reason why they can't all sit down and figure it out.
I assumed it had to do with her siblings not giving her her cut. Maybe they’re trying to not give her anything when she’s entitled to a third. And she wants to live on the land but the siblings are having a fit.
Just a few assumptions.
Well said, I like this common sense keep it up Dave.
My aunt colluded and persuaded my grandma to write my dad out of the will. He only found out about because he was helping his mom clean,move, and sell her house so she could move to a senior community and happened to find it. My aunt is not a good person (to say the least). What did my dad do…move out of state because of job opportunity…thus he hasn’t been able to help take care of things like his sister. Bottom line this stiff happens protect yourself
Oh what a convoluted mess! Depending on how much or how little she needs any $$ from the property, her best action may be to simply walk away. Or, force a full sale and divvy up the $$ in various shares.
In our culture, we don't talk about death or money. And this topic involves both. If you do try to be the adult and insist on things being in writing or split up equitably, you're seen as heartless or a money-grubber.
"You don't trust your family??"
No, I don't. Because people can be irrational, unthinking, or just plain greedy.
And I bet over half of the middle class is in this boat. What ends up happening is, the strongest personality gets to say how things go, or else a sneaky relative figures out how to take a portion and run.
My family won’t talk about it!!
3 properties, 3 kids
One property is co-owned with my dads uncle (now his daughter)
One of the more entertaining rants, Dave...
Man I have been trying to get my dad to do a will for 10 years. None of the older men in my family have wills.
Best will reading was in Grand Torino...😃😃
The jim bob line had me dying guess it’s time to get a will 😂😂😂😂😂
No rent, no food, no electric costs and using her car, her credit cards, too.
Insane.🎉
when we found our mother was terminally ill our divorced sister Dianna stayed with our mom the entire 9 months she lived we
took turns between all of us working and some of us still raising kids . we took turns coming after work and cooked and did our Moms laundry and our sisters laundry when needed. we cleaned and shopped when. needed. some of us took off work to get her to appointments or when she was in the hospital because some had more flexibility than Dianna did. I slept in my own bed except one night in 9 months while Dianna was up at times. Mother left her home to Dianna and I was so happy she did. Dianna has passed away since then and I am still so grateful that she helped so much and that she got to know that❤
My dad had a 120 acre hunting property with small house...my 4 sister's wanted they're money fast, so I had to get a loan and put my ⅕ down on a farm that has been paid for since the 70s I have it half paid off again, they're all broke again
Our family doctor had an appointment with my dad. They are old friends. He looked at his chart, then looked at him-
"Well friend, you are going to die, but we don't have any data on how or when."
My mother-in-law has a net worth of over $200,000, four adult children, and a history of making minor financial mistakes. She's 77 yrs old but doesn't want to discuss end-of-life financial arrangements, because "It sounds like you just want me for my money."
This is after we've had a lifetime of ongoing relationship. We've demonstrated we don't "just want her for her money." We just don't want her to mess it up somehow and leave everyone with nothing because of some foreseeable error.
It's possible to love someone and also not want to miss out on $50,000 due to a mistake. That doesn't make us money-grubbers.
This is also after she had her own struggles with her siblings due to disagreements over her own mother's estate. So she of all people should understand.
making a will won't stop her from losing the money in some scam or other poor decision
All jokes aside this is a really great episode if you were to pass what happens to your assets very good Ramsey I wish you show was more recognized by the general public
It's fair, very fair, it is in the trust, this kind of stuff is actually common in the old country, if you inherit the family land, you don't get to do whatever you want with it.
This isn't "the old country"
@@greggpurviance7252 non the less it is still very fair, they must abide by the family trust. I know I won't let my kids squander the wealth that they inherit.
LITERALLY MY FAVORITE EPISODE OF ALL TIME😂😂😂
It's incredibly sad what money can do to a family!
It’s incredibly sad how stupid people are with their money.
And what was sad about it?
She didn't say that they were fighting about it.
Dave is just anti family.
He may have had family issues growing up.
@@jimmymcgill6778 yep. she must have called in because everything went well and there were no issues.
@@BearsBeetsBattlestarGalactica1 She did not mention any issues. They were just lots of assumptions.
@@jimmymcgill6778Anti-family? Dave? 😂😂😂😂😂
Now I know you’re a clown. How is he anti family?
give them money back first then take whats left and split in thirds. Find a mediator to help the three of you figure it all out
It's not about what's fair it's about what's in the will. You split it equally and that's that
I don’t understand the issues either. Follow the will. Done.
I would love to see and here what you say during one of these will trustee talks.
Who told the siblings to put money into the property? If the trust says it gets divided equally then tough shit it gets divided equally. What the siblings should have done BEFORE they put money in the property was to have changed the trust to reflect that they invested in the property and a split of the property commensurate with their investment.
Yup
Good call on the Trust
Dave is really passionate about this subject. He even said “flipping”.
Tenancy by the entirety is a form of joint ownership of property that is reserved only for married couples.
It means that each spouse owns an undivided interest in the property, and they are considered one legal entity.
one legal entity
This is a lawyer problem, not a Dave problem.
"GET A WILL". I'm not familiar with the COMPLETE story, but I have heard about Joe Robbie -- he was an attorney who owned part (or maybe ALL) of the Miami Dolphins in the NFL. I heard he died without a will, and the estate tax was so large, his heirs had to SELL THE MIAMI DOLPHINS to pay the tax !!!
I made a will that was through mama bear legal forms and I was wondering what the best way to secure it and who else should have a copy
We have a copy in our fire box and I think my parents may have a sealed copy in theirs, as well, as they're closest to us geographically and who our son would most likely go to in the event of my husband's and my demise. I think you need to get it notarized which you can do through an independent agent or a bank. Definitely worth the time and money for the peace of mind.
10:50 “You’re gonna DIE!”
10:56 “There’s a 100% death rate in the human race plus or minus Elijah and Jesus” 💀😂😂😂😂
This situation is so sad, taking care of mom and expect siblings to pay. It’s YOUR mom!
When Dave chuckles because the woman said she's a bit volatile too! 😅
Dave I think you are a great man