All the hosts have strengths and weaknesses. Shout out to Jade today for being a strong, confident woman and modeling it for the rest of us. I am in the process of extricating from a toxic relationship, and several calls on the show today just reinforced how bad my situation is. Begging for money from partner to pay kids expenses. Sad about my life but looking forward to a more peaceful future. 🌸
I don’t want to go into detail but I can tell you from personal experience that life will be beautiful without him. The possibilities for your future are limitless. Focus on the positives, keep your head up, and stay strong!!!
FANTASTIC show today!!!! Dr. John and Jade make a great team. Both are caring, empathetic, and supportive while being direct and honest to all of the callers! ❤
My mother grew up in a small house. There's nothing wrong with bunk beds in every bedroom. As long as you have food, shelter, utilities you are fine. In a few years the kids will be gone. Otherwise go on rice and beans and save every penny. My guess is that the kids will prefer the smaller house.
Agree, my family of 5 (2 parents, 3 kids) lived in a one-bedroom/one-bath house for years, the parents had the bedroom, the kids slept in a daybed and/or couch and/or the floor!
Yeah teenagers means those kids will be gone sooner than later! Just stick it out man :) Plus you won’t have adult child freeloaders bc the squeeze will make them want to fly the coop! Lol!
We were a family of 6 living in a 2 bed room 1 bath, till we all left home my family managed. We never had loads of stuff, mum cooked fresh every day, we had a holiday once year in our own country. We never felt cramped or wished we had a bigger house or a garden, cause every one in our street was living the same way they lived with in their means 😊
It’s funny you would mention it because I truly wonder what has happened to these young women to make them so easily accepting of being disrespected, in SO many ways! It’s actually heartbreaking to me. Nobody should ever bargain their way into a relationship, either to justify marriage OR “security.”Doesn’t matter whether you’re the male or the female; know your worth as a Person- long before you chart your path financially with someone else. This is tragic, particularly with children involved.
Peer/family/religious/social pressure to not divorce, low self esteem, lack of resources or confidence to leave, denial, hoping he'll change, a similar upbringing that taught them it's normal, guilt over upheaving their kids' lives
And the irony is that in at least one case, the woman makes enough to support herself and her children. HAVE SOME SELF RESPECT! Don't take on another (grown) child because you are needy!
@@Fishouta Same difference - $400,000 total divided by 2 is $200,000. The point I was making was not the division of the funds, but that $200,000 divided by 15 years of study comes out to about $26,000 per year which is not unreasonable these days for a college degree, even at a state school. The point was not which kid needed which amount of money.
I feel like Jade and John were playing a game where they have to insert song lyrics into their sentences bc fr fr how many song lyrics references were there in their sentences😂😂😂
1:25:49 No more sex. No more cooking. No more washing. No more Ironing. No more grocery shopping. Get your own car. Open your own bank accounts. Start to create a world where you don't need him, be a Warrior Queen, like Dave says. And like I tell my children (20+17), like a lizard, keep one moving/looking for a person that you can partner with.... marry and be happy with. Marriage is the ultimate commitment.... If that's what you need.
The mom with the parent plus loans, so sad. Worst situation ever. I have a small one for one child and it is a major stress factor. Please other parents, no, no, no to parent plus loans!
@@lyndahammel9502 Why are you blaming the colleges? Parents ASKED for these loans when they could not meet the cost of college differential between other federal loans and what financial aid was offered and they are available through the US Dept of Education, not the college directly. They are unsubsidized and there is no limit to the amount a parent can borrow, regardless of income. ALL LOAN REQUIREMENTS AND RESPONSIBILITIES ARE CLEARLY SPELLED OUT. Parents and students are so desperate to give students what they want that they will make irrational financial college decisions thinking "we will figure it out later." Then when "later" comes they see the reality of the decision they've made. We are now in a culture when difficult situations are always someone else's fault. A quick Internet search on Parent PLUS loans would have revealed all the negatives. People need to stop with this victim culture and do their own due diligence - and if you MUST blame someone, blame the US Dept of Education for being willing to do what no bank would ever do.
that first call, the mom should be 100% liable. those are Parent PLUS loans! only the parents are able to take out and are fully responsible for Parent loans!
Absolutely. Parent Plus loans are taken by parents and are legally in the parent's name. It's not like these loans are being given to 18 year olds who don't fully understand.
I would talk to my kids when they start high school about going to high school and start taking college classes at the same time. Friends daughters graduated from high school and had enough college credits to start as a junior in college. They were done with college in 2 years. One daughter then got her masters. She will now go for her PhD in another country on scholarship.
Our younger daughter finished a 2 year community college degree a month before her high school graduation and that was in the 1990s before they had dual credit classes in high school. She did it by self-study and taking CLEP exams for college credit as soon as she finished a high school class in that particular subject, earned some credits through AP exams, and took classes at community college online and in the summers. She was very focused. However, there is a downside and that is that a student will be in college Junior level classes at the same time as figuring out what living away from home is like and will not have a "natural" peer group based on age. So a student has to be very mature and knw exactly what he or she wants to do for a major to finish college in two years.
1:17:22 "protective over her two babies, trying to make the right decisions," so she moves in with a guy? What part of that is being protective of her babies? Also, in regards to the boyfriend...how in the heck does wanting to get married make the relationship have less priority? Whew, Dr. John is right...the ultimate gaslight. Run away, run far away.
You can do exactly the same thing with an Excel spreadsheet and set up your categories which is what I did before Every Dollar. But you'd have to do it manually. I don't do the app version because not only do I want to enter what we spend, I'm not in favor of attaching all my banking info to my phone for yet another company to have an eventual data breach. No way am I entering any of our banking and investment info on a Ramsey Solutions app. That said, I do like and use Every Dollar and the main feature I like is that is is very easy to not only find what was spent last year in various categories, but I can also enter information easily in months to come bc the categories and the usual charges transfer over automatically. Great time saver.
Kathleen - first call - PLUS parent loans - sorry, but these are YOUR loans no matter what agreement you thought you had with your kids. Your daughter told you she didn't think she could finish - that was a warning sign for her to switch out to a degree she could finish more quickly (like engineering tech) and you told her she had to go on. John said to hold the kids' feet to the fire, but if they don't pay, the loans will continue to accumulate interest and YOU will still be responsible for them because YOU signed for them. No way out of this dilemma for you if they don't pay for them as students loans are not dischargeable, even in bankruptcy, and senior citizens even have their social security checks garnished if they owe student loans. TO THE REST OF THE PARENTS - NEVER, NEVER, NEVER SIGN FOR A PARENT PLUS LOAN. If your kids need you to do this, your kids are going to a college that is too expensive for the family budget. Look for cheaper alternatives like starting at a community college for the first two years, etc. Learn from other parents now crying in their beers in their senior years.
Agree 100%! Never, never, never do a parent plus loan. Stress and resentment on all fronts. It is a family wrecking situation. The situation was so painful, hopefully others can learn from it.
1:40:53 Preach, John! 👏🏽 I know all about the “lifestyle stipend.” I have paid for all kinds of things for my mom and you’re right….the stipend keeps increasing. 😓 One time, I suggested to my mom she ask me if I am paying for her if we attend a family event that requires payment (bec I may not have money to pay for her all the time). My mom got an attitude and stated she REFUSE to ask me. She said that is what her children are SUPPOSED to do…. Pay for her when she wants/ needs something. Idk what to do at this point?!? 🤷🏽♀️ Very frustrating. 😞
thats what my mom and dad told me. and i brought the bill to them ater year four.... mom was like " what are YOU going to do about that?,.. that question grew me up real quick
My daughter didn't like me telling her that she had to go to a state school. But she graduated without college loans. She graduated debt free. That was a huge plus.
@@lyndahammel9502 And a decision she will appreciate more and more as time goes on when she sees friends still burdened with student loans YEARS later! Once our daughter was married and saw the costs of raising children, she has thanked us MANY times that she and her husband did not have the burden of student loans in their early married life. (Both of them went to state schools and both also worked to help pay for college costs their entire four years.)
If we women valued out money as much as men do, and threw out all these deadbeat, non-committal “boyfriends” out of their homes, oh how strong we would be! Wise up sisters! Value yourselves, value your hard earned money and homes and enjoy some well deserved peace!
I think John and Jade almost completely flubbed the first call. First, they kept harping on the son, when the son makes $55k and owes $100k. Pretty bad, but not catastrophic. They really messed up on the daughter's situation: $300k in student loans with a $4,500 a month payment. She's making $60k and paying $4k a month on it ($48k, that's what, 100% of her income after taxes?) and the Mom is complaining about having to chip in $500. THIS IS THE MOM's fault. How could she guide her daughter into a $300k anchor? It's like giving your child a CRIPPLING DISEASE on purpose. The Mom is getting off EASY - she's only chipping in 11% of her daughter's monthly payment. Her daughter is making $60k gross and paying $48k net. How could Jade and John still think this is a kid problem? Her daughter is spending EVERYTHING she makes on the loan. I don't think she'd have money left over for food. Of course she has to live with her parents.
And to top it off, we never really heard a question from the caller. Caller just stated her situation and then J/J jump in the discussion. What was the question. Maybe the question would have been something like "should I take a 401k loan and just pay these loans off"? An actual question. We'll never know. On the other hand, maybe some callers are not calling with a question. They just want to talk about their predicament.
@@Fishouta The question clearly was "What can I do now?" And the answer really is nothing except pay them. She signed. She is liable for them and parent plus loans (or any student loans) are not dischargeable, even in bankruptcy.
@@Fishouta She didn't ask it in that many words, obviously - but that was the focus of her call. She would not have been calling in to explain her situation if she had not wanted an answer of how to get out from under the loans with two kids who won't pay or honor the verbal agreement she claims they made. She put all the blame on the college ("this is what they told us to do"), rather than doing her own research about the consequences. Unfortunately, in her situation, there is no solution other than to pay the loans if she signed for them and her kids won't or aren't able to pay. I'm not sure people understand that the fatal flaw in student loans or parent plus loans is that there is no way to get rid of them in almost every instance except to pay them. And programs designed for students that may provide some relief don't work for parent plus loans bc it is the parent, not the student, who is borrowing. They are truly the WORST of the kinds of loans to take out, in addition to which they have to be paid back almost as soon as they are signed for (unlike student loans which start repayment 6 mos after graduation.)
I would pile money and look for opportunities. We started in a small house and moved up as it made sense. We started with a 30 year mortgage and was able to move to a 15 and then 10 year mortgage. We also paid extra each month. It took a while but we finally made it.
I love the trend of women climbing the corporate ladder and gaining this financial independency. Every single one of these power hungry little men are going to lose their significant others when the women learn how strong they are.
You must have had very bad experience with men. These women just chose poorly and appear to be terribly needy. Women have had the ability to get a good education and a good job for decades now. Unfortunately, too many of them have not made that choice and settled for someone to take care of them. Don't lay that at the feet of all men.
@@Trustbutverify2651 no bad experience with men. Im calling a spade a spade and not celebrating bad behavior. I’m just an incredibly respectful husband like many other men out there. My wife will be a doctor in 1 year and I celebrate and find comfort knowing that money will not be what keeps her in our relationship.
@@Deanpierce88 Well done and good for you! Just not sure why you are calling other men "power hungry little men" and not putting the blame on the women who CHOSE them.
@@Trustbutverify2651 Because the women on tonight’s show are clearly growing and maturing. And it seems (important to note we are hearing one side) that the significant other is not willing to grow at the same pace. It’s not the lack of maturity that’s worrying. It’s the unwillingness to acknowledge your significant-other’s concerns that worries me.
Men always say why get married if everythings ok. I would like to know whats the reason to get married if theyre already playing house? What good reason could the hosts or the woman give the man besides “commitment” because they would say im already committed to u. “I love u”
That lady is lying. Schools don’t cost $300k. Or even $150k unless they have masters degrees. Or maybe went to Harvard. Either way, they aren’t making $60k. Believe very little of what you hear from people.
@@JackW26808 years for what? A masters degree? You notice she didn’t say for what? We just have to keep making assumptions for things. No one takes 8 years for a bachelors. She could have been talking about how her daughter went to a private high school which also cost loans. I don’t believe anything she’s saying.
@@WineandBrew So many holes...they go to college, maybe not very bright, took a long time, graduate and he works for his dad for a little over minimum wage? What engineer does that.
Hey guys, the “if you don’t like it you can get another mortgage”, doesn’t flow logically anymore because the interest rates are no longer equivalent. I get the sentiment, but if he is arbitraging 1% now, he cannot get back to that situation. I kindly recommend you pause that logic argument until existing and current mortgage rates are back to parity. Thanks for the show, I love the work. I’m baby step 7 because of you.
I love this show, has helped a ton. Dr. John is probably great, but I feel like he makes assumptions way too quickly with some of these callers. You need more than 5 minutes on a phone call to start telling people what their personal lives look like.
If you actually listen to him, you’ll notice he nails it on the head 99.9% of the time. His experience and training helps him with that! Dr. John is pretty freaking amazing! ❤
To the young woman whose boyfriend won’t commit to marriage. You are worth more than being used by this man. Leave. God has a plan better than this for you Jesus said, “ take my yoke upon you snd learn from me for you will find rest for your soul For my yoke is easy and my burden is light”.
Is this a tacit admission that marriage only benefits women? They're living together, raising kids. Why do they need a government contract to do that? The only thing marriage does is allow her to take a bunch of his assets in a divorce. Happens to men all the time and he was a divorcee himself; just trying to protect his finances for his own kids. I love how John said she had to protect herself as a single mom. Should the single dad risk two alimony payments and risk losing his sons? I guess he's chopped liver.
Way to reduce people's stress by saying you are paying "soul tax" if you have a mortgage. And the loss of one or two clients could cause you to lose your house. What?
Still not sure if they have masters degrees or what. I don’t believe they are making $50k. Engineers don’t make that. My big issue with this show is that most callers are straight up lying. I mean I get it, people in general lie. With this show though it’s like people are either calling in to show how they make $450,000 a year (something only a small percentage of the population does) and want to know if they can buy a new car. Or it’s someone calling in like this where it’s total outrage with most of what she’s saying to be probably not true.
@@WineandBrew The salary for engineers in the lower paying fields is $61,000 five years AFTER graduation, so those salaries could absolutely be true depending on the type of engineering major the students chose.
Try commenting on Spotify mainly not sure about TH-cam but their podcast has way too many commercials now. I used to listen regularly but I don't anymore. I know they have to make money but too bad for me.
8 years to get a 4 year degree? I was scared enough to end up having the “5 year program” when I was in school because paying more money was not an option. Only making 60k? I made more out of college 13 years ago with an engineering degree. I feel like starting salaries for most new engineers has gone up since I entered the workforce, at least in most areas. I’m lost on how they are making so little. Let alone the amount of loans that were taken out. Damn. I had about 30k in loans when I graduated. I paid those suckers off as fast as I could.
I don't know why John thinks that insisting that the kids pay the student loans will solve anything if they don't do that. His advice for her to tell them "You have two more months and then I'm not sending them another penny" will only hurt her if they decide not to pay. It's the mother's signature that is on the line for the loans and not paying them will have no effect on the kids, but will continue to accrue interest for which she will be responsible. These are not co-signed loans; they are Parent PLUS loans. The students bear no legal obligation to pay unless they choose to do the right thing and pay them for their mother. Parent PLUS loans cannot be transferred to the student.
Likely did not qualify for regular student loans for one reason or another OR they knew their mother would sign for them (which she did) if they promised to pay them back (which they are not doing.) A quick Internet search would have warned her of the dangers of taking out PLUS loans!
@@Trustbutverify2651 You always qualify, lol. They have set amounts, you don't need credit, or common sense. I put 3 through. There is something very odd and I think Mom knew they had issues. That said, the daughter living home and paying a big chunk is healthy for her, but why did they get so high?
@@deb9806 No, actually a person does NOT "always" qualify. There are certain parameters students have to meet, as well as keep a certain GPA for federal student loans. In addition, there is a limit for the federal loans and if the kids were at a private college, the cost differential between what the financial aid offered and the actual cost may well have been significant. OTOH, the mother could borrow as much as she wanted in parent PLUS loans which was her choice. I also put two kids through college debt free and have worked with hundreds of students in both high school and community college for 35 years. No, everyone does NOT always "qualify" except for parent PLUS loans and the responsibilities for the parents are clearly spelled out. But parents (and their kids) want what they want, no matter the cost at the moment. Kids want their "college dream" and parents want bragging rights
@@Trustbutverify2651 If they did not qualify for subsidized direct student loans, it is because the parental income/assets disqualified them. If the parent could not afford to pay out of pocket due to not saving for college, it means the path through college the students chose was unaffordable to their family. PLUS loans are garbage. You are 100% correct in saying she should have done some research before signing them. She was not a impressionable kid when she signed. She should have said no and figured out a less expensive way to help her kids through college.
@@Trustbutverify2651 True, but I've never seen a kid denied but I'm sure it happens. I wish more. Mine got scholarships and Obama got 3% for 2 years I think and I took one of those loans and told my daughter I'd pay it which I did. Parent loan was 8%. It made it easier. Kids shouldn't be paying R&B and tuition outright, it's crazy, not many jobs will make it worht it and not all colleges are the same. Some are "push them through" diploma mills. That's even sadder because the education sucked for 100.000. You need an education in picking schools in high school for sure.
The response to the letter at 57:00 or so is unhinged. They're basically ordering a divorce over the husband being stubborn about combining accounts. Many people do this these days, like it or not. If he was raised with split accounts being the norm, it might feel really weird to combine them and an emotional appeal is just making him feel manipulated. Instead of assuming he's an evil bastard who is cheating and doing God knows what, assume that like most people he's just set in his ways. Why jump to assuming the worst in someone that you haven't even met? Anyone can write a letter making someone seem like a bad guy when they don't get to voice their side.
@@2dodger2 there's nothing inherently evil about it, it's just no longer the status quo. It worked that way for nearly all households 50 years ago. I think it's arrogant to assume that the modern way of doing things is the best. Given the sky-high divorce rates, that's clearly not the case.
@@BlakouttheMM ?? Evil? I don’t know why you are using that word. It’s a simple matter: If one person contributes 1/2 the resources , why should that person be put in (their words) the “humiliating” position of asking the other partner for any money? That arrangement does not make sense to me, at ANY point in history
1:30:00 Ask to see her budget.... Sounds like she had years of blowing her budget and now she wants yours? ..............UNLEsss she paid for years of you at school/cars/homes/dancing/horses/etc... Then you owe her.... ORrr... you can afford to throw her $50/month. In this commitment, factor inflation...
Wait a sec. This 75 year old lady is meeting all of her bills with little left to spend every month. So she wants $1800-$2000 extra every month from her sons simply as blowing money? She could take a vacation every month with that.
Brenda you are an adult, a parent. You are teaching your children how to let people treat them. If he’s a bully, his kids are bully’s too. Get him out!!
Agree - but she may have to go through legal eviction proceedings in order to get him out, even though they aren't married. Getting the police involved may not be sufficient, and may make matters worse. It depends on state law.
Oh, but they can. This is a total of 15 years (7 for the son and 8 for the daughter) of education at a cost of $400,000 in parent loans which works out to about $26,000+ per year. College definitely costs that much these days, even at a state school, with tuition, room and board, and fees. Do the research.
@@Fishouta Varies hugely from university to university and state to state - and also whether private or state university. We live on the border of a state that is one of the highest in the country for in-state tuition and 20 miles away is a state to our south which is one of the lowest in the country for in-state tuition and their out of state tuition is not much more than the cost of our in-state tuition! So smart parents are moving "south of our border" while their kids are in high school and commuting to their jobs in our state so they can get the less expensive tuition rate. All parents who want to minimize college costs should also consider where they are living if they plan for their kids to go to college as it makes a HUGE difference in the financial outlay for in-state colleges. The great aspect about engineering programs is that many colleges have a co-op program which can defray the cost of the last two years.
To the woman who has children and the boyfriend with his children there, I can see why she thinks the only route is selling her home. There are squatter rights as well as the fact that he probably has his mail going there so it would make it very hard to remove him from the home.
As an engineer myself, I don’t know how it takes someone 8 yrs to graduate going full time. Also unless you’re in SW or in a very big city you’re not making more 75k fresh out of college
Wills saud business. I would have addressed the risk factor or confirmed that the fire was not caused because of the nature of his business. If he had his truck full of product I believe, and I could be wrong but I believe there is a fire risk of spontaneous combustion. If that's the case I would strongly consider the next truck because it likely could happen again. Again I could be wrong but my first thought was his product is going to cause this to happen and I would want to make my purchase with that in mind. Might change the numbers or the way I transport.
Why didn't they get lower interest student loans for students? My daughter got 3 % one year when Obama was president and she didn't need full amount but I asked her to take it and I'd pay it back instead of putting it on parent loan. That was the only year but it helped. Parent loans are always higher interest.
@@deb9806 Parent loans are often the only option which is why families that need them should find other ways to make college less expensive, like starting at a community college for general education courses for the first two years.
@@Trustbutverify2651 But the student always qualfies for lower interest loans first. Parent loans are to fill the gap. I had 2 I paid off but the 6.75 I got was higher than the 3 and 5% they had. Some parent loans were 8% back ten years ago. I can't imagine anyone going to school on parent loans. Even if they took them out and she paid them, the interest would be lower.
The crying girl should go rent what she can afford for her and her 2 boys NOT a house for 7. He will leave her with that lease and high rent. If she goes to a house she needs to make sure that he is on the lease or that she can afford it alone if he leaves.
Something taking 8 years does not mean in school full time for 8 years. A BS engineer is a 4 year degree. I have one. If it takes 8 years, which I think mine did, then so be it. I started my family and worked along the way. I was not full time 8 years straight.
An engineering degree is often 5 years because it has considerably more credit hours than other college degrees. In addition, some students do not plan well and get their pre-requisites lined up properly or even switch majors. Fewer than 50% of college students finish in less than six years these days, and many engineering students take longer, especially if some of those years they need to repeat classes or do not have the advance knowledge from high school to go straight into university level calculus or physics.
Parent Plus loans are a parent's responsibility. The parent has the responsibility to set limits and make appropriate decisions. Mom made dumb adult decisions that she wants to burden her kids with. That's not okay.
Grandma Gangsta- Art of War , Art of Negotiation- split your enemies , one son will cave , he gets the inheritance, I was with the daughter in law until she said over 2 million net worth , give the ole lady 1k a month no points , work some more, stop bein so selfish
@@Fishouta Engineering is generally a five year degree unless a student starts college with credits already earned. An engineering degree is generally abut 25 more semester college credits than other college degrees.
@@Fishouta No, but I do have three degrees, a brother who is an engineer, another brother who is a physician, a daughter in corporate finance, and a daughter who is an attorney - as well as other brothers who are entrepreneurs - so a pretty wide-spread basis of knowledge about education and careers (and taught part-time for 35 years in community college and four-year universities while teaching AP history in high school.) I have also served as an academic advisor for hundreds of students throughout the years.
Well in the conversation of venmoing your partner money, what about the hundreds of thousands of cases where women withdraw their husbands bank accounts and leave with the children, are we supposed to just ignore that? I don't blame men for doing this
I am sure there are some women out there that do this, but marriage is a covenant and if you enter your marriage afraid that your wife will take advantage of you, then don’t get married! Or similarly It’s like saying there are thousands of kids who leave their parents and become ungrateful adults. True, but if you live your life in such fear then don’t have kids. And you will miss out on all the joys that marriage and/or parenting has. But at least you will have a secure bank account :)
@@ЛюсяВ-я8к so you toss all the responsibility on men, and dismiss the fact that women take full advantage of the laws here. It is ridiculous that there are no consequences for women's bad actions, but if this were the other way around I bet the man would be in jail
I don’t know your story, but it seems to me that you have been taken advantage of by a woman. Sure, there are some women who are scammers. But most women just want a loving man who is gentle and kind. If a woman runs away from her husband with the kids, then it’s not a financial issue. It’s a marriage issue. Essentially she is saying that she would rather be a single parent (which is ridiculously hard and unless she makes a ton of money a very quick way to poverty) than be married to her husband. Women don’t take such decisions Willy nilly. So if this happened to you, perhaps the question you should ask is why did my wife take the kids and leave me, instead of being upset that she took your money. But seriously, if this is your story you should do some soul searching. Women don’t just get up and leave for no reason. Blessings to you.
Psa!! If you’re planning on calling , please don’t give a long story because I promise you, nobody cares and 90% of the time, your story DOES not tie to the actual question! Sincerely, a man who gets second hand embarrassment
George Carlin? Seriously?!? One of the most outspoken atheist blasphemers of all time and you use a "Christian" show to let everyone know how much you adore him??? Yet another reason why I listen to Dave Ramsey for financial advice only and never, ever for any spiritual feeding.
Good grief! Stop, stop stop telling people to make ‘extra payments’. You should be saying to make payments to the principal only. A payment consists of principal and interest so one would only be making advanced payments, not designating the extra money to pay down the principal balance. I cringe every time I hear this verbiage out of anyone on the Ramsey team.
Me, too - and I have pointed this out MANY times. In addition, if you can't so designate online, put it in writing. A phone call is not enough these days (which they have also told people to do on past shows.) People don't always understand how these loans are structured with more interest on the front end and principal on the tail end - so paying off principal is worth much more than just an advance payment. Another example of the fact that their personalities don't have degrees in finance. I don't understand why the RS people with their MILLIONS now in profits can't hire a CPA and an attorney to sit in the booth and talk into the earpieces of the "personalities" when they are giving incomplete or in accurate advice on the show.
Sorry, Jade, to give negative feedback about your appearance, but you are on film. Your hair gets in the way of your movements, distracting from what you are saying as well as distracting from your beauty and composure. Mean this as constructive if you can take it that way, apologize if you can't.
All the hosts have strengths and weaknesses. Shout out to Jade today for being a strong, confident woman and modeling it for the rest of us. I am in the process of extricating from a toxic relationship, and several calls on the show today just reinforced how bad my situation is. Begging for money from partner to pay kids expenses. Sad about my life but looking forward to a more peaceful future. 🌸
Best of luck to you!❤️❤️
I don’t want to go into detail but I can tell you from personal experience that life will be beautiful without him. The possibilities for your future are limitless. Focus on the positives, keep your head up, and stay strong!!!
To whoever is reading this:
May the blessings of the planet be upon you
I’ll take the blessings from God over the planet lol
@@Godismyoath_04take from whoever you want. Don’t laugh at people, that’s not very “Godly”.
@@Godismyoath_04Why not both.
@@NMelter”The lord shall laugh them to scorn”
Omgoodness. Every married couple and couple about to marry, needs to listen to this.
Brilliant!
FANTASTIC show today!!!! Dr. John and Jade make a great team. Both are caring, empathetic, and supportive while being direct and honest to all of the callers! ❤
I just wish they would let the caller ask the question. At least on the first caller, we didn't hear her actual question, did we?
wow, i really like the John Delony & Jade Warshaw combo.
My mother grew up in a small house. There's nothing wrong with bunk beds in every bedroom. As long as you have food, shelter, utilities you are fine. In a few years the kids will be gone. Otherwise go on rice and beans and save every penny. My guess is that the kids will prefer the smaller house.
Agree, my family of 5 (2 parents, 3 kids) lived in a one-bedroom/one-bath house for years, the parents had the bedroom, the kids slept in a daybed and/or couch and/or the floor!
Yeah teenagers means those kids will be gone sooner than later! Just stick it out man :) Plus you won’t have adult child freeloaders bc the squeeze will make them want to fly the coop! Lol!
We were a family of 6 living in a 2 bed room 1 bath, till we all left home my family managed.
We never had loads of stuff, mum cooked fresh every day, we had a holiday once year in our own country.
We never felt cramped or wished we had a bigger house or a garden, cause every one in our street was living the same way they lived with in their means 😊
@@haircarecyprus❤❤❤
@@lyndahammel9502 I had friends that had to share rooms in very small houses. No one was complaining.
WE LOVE YOU ALL! Thank you ❤ for what you do!
I love when these 2 are together😎
To the lady with the noncommittal boyfriend, get an eviction notice to get him out soon.
Two calls from women with kids staying with men that have outright told them they do not care if they are there. Why?
It’s funny you would mention it because I truly wonder what has happened to these young women to make them so easily accepting of being disrespected, in SO many ways! It’s actually heartbreaking to me. Nobody should ever bargain their way into a relationship, either to justify marriage OR “security.”Doesn’t matter whether you’re the male or the female; know your worth as a Person- long before you chart your path financially with someone else. This is tragic, particularly with children involved.
Low self esteem, poor role models, men's unrealistic expectations of women etc etc
Peer/family/religious/social pressure to not divorce, low self esteem, lack of resources or confidence to leave, denial, hoping he'll change, a similar upbringing that taught them it's normal, guilt over upheaving their kids' lives
@@BeeDee-qs9so Right. If you have to ultimatum your way into getting married, do you really want that person?
And the irony is that in at least one case, the woman makes enough to support herself and her children. HAVE SOME SELF RESPECT! Don't take on another (grown) child because you are needy!
Doesn’t cost 300,000 for engineering school.
She had TWO kids, or $200,000 for each and, yes, it definitely could have cost that much since they were in college 7 and 8 years respectively.
@@Trustbutverify2651Caller said 300k on her daughter and 100k on her son. Both engineering degrees.
@@Fishouta Same difference - $400,000 total divided by 2 is $200,000. The point I was making was not the division of the funds, but that $200,000 divided by 15 years of study comes out to about $26,000 per year which is not unreasonable these days for a college degree, even at a state school. The point was not which kid needed which amount of money.
Don’t go to private school, live with your parents if possible, get a part time job while going to school, it can be done.
Definitely does not! What are these guys thinking
All the time, I'm learning something new here , that's why I like it so much to visit your content ❤
I feel like Jade and John were playing a game where they have to insert song lyrics into their sentences bc fr fr how many song lyrics references were there in their sentences😂😂😂
1:25:49 No more sex. No more cooking. No more washing. No more Ironing. No more grocery shopping. Get your own car. Open your own bank accounts. Start to create a world where you don't need him, be a Warrior Queen, like Dave says. And like I tell my children (20+17), like a lizard, keep one moving/looking for a person that you can partner with.... marry and be happy with. Marriage is the ultimate commitment.... If that's what you need.
The first parent with the parent plus loans has no one to blame but herself.
Jade's hair is amazing 🎉🎉🎉
The mom with the parent plus loans, so sad. Worst situation ever. I have a small one for one child and it is a major stress factor.
Please other parents, no, no, no to parent plus loans!
And shame on the colleges!
@@lyndahammel9502no shame on anyone but yourself for creating that kind of mess..
@brandonripperger8913 true still the colleges should feel some shame.
@@lyndahammel9502 Why are you blaming the colleges? Parents ASKED for these loans when they could not meet the cost of college differential between other federal loans and what financial aid was offered and they are available through the US Dept of Education, not the college directly. They are unsubsidized and there is no limit to the amount a parent can borrow, regardless of income. ALL LOAN REQUIREMENTS AND RESPONSIBILITIES ARE CLEARLY SPELLED OUT. Parents and students are so desperate to give students what they want that they will make irrational financial college decisions thinking "we will figure it out later." Then when "later" comes they see the reality of the decision they've made. We are now in a culture when difficult situations are always someone else's fault. A quick Internet search on Parent PLUS loans would have revealed all the negatives. People need to stop with this victim culture and do their own due diligence - and if you MUST blame someone, blame the US Dept of Education for being willing to do what no bank would ever do.
It's not sad, it's dumb. They "were told to" make an Everest size financial disaster. Zero leadership in that home.
Some callers piss me off like get to the point
that first call, the mom should be 100% liable. those are Parent PLUS loans! only the parents are able to take out and are fully responsible for Parent loans!
Absolutely. Parent Plus loans are taken by parents and are legally in the parent's name. It's not like these loans are being given to 18 year olds who don't fully understand.
AND they are telling the mom to threaten not to help…
I would talk to my kids when they start high school about going to high school and start taking college classes at the same time. Friends daughters graduated from high school and had enough college credits to start as a junior in college. They were done with college in 2 years. One daughter then got her masters. She will now go for her PhD in another country on scholarship.
Our younger daughter finished a 2 year community college degree a month before her high school graduation and that was in the 1990s before they had dual credit classes in high school. She did it by self-study and taking CLEP exams for college credit as soon as she finished a high school class in that particular subject, earned some credits through AP exams, and took classes at community college online and in the summers. She was very focused. However, there is a downside and that is that a student will be in college Junior level classes at the same time as figuring out what living away from home is like and will not have a "natural" peer group based on age. So a student has to be very mature and knw exactly what he or she wants to do for a major to finish college in two years.
This is what my daughter did as well. She was bummed we couldn’t afford to front the money for her dream school, but she’s doing terrific now.
I love when Jade rocks braids!
Me too! It’s my favorite look for her but she’s beautiful with every hairdo❤
1:11:20 That fresh prince recite !! Oo yeah he invited to the cookout for sure 😂👍🏾💯 jade stamp his card real quick 😂😂
😂
1:17:22 "protective over her two babies, trying to make the right decisions," so she moves in with a guy? What part of that is being protective of her babies? Also, in regards to the boyfriend...how in the heck does wanting to get married make the relationship have less priority? Whew, Dr. John is right...the ultimate gaslight. Run away, run far away.
Love John and Jade when they're running the show together! Lostening in from Sydney, Australia - wish every dollar was international! One day 🤞🇦🇺🤠
You can do exactly the same thing with an Excel spreadsheet and set up your categories which is what I did before Every Dollar. But you'd have to do it manually. I don't do the app version because not only do I want to enter what we spend, I'm not in favor of attaching all my banking info to my phone for yet another company to have an eventual data breach. No way am I entering any of our banking and investment info on a Ramsey Solutions app. That said, I do like and use Every Dollar and the main feature I like is that is is very easy to not only find what was spent last year in various categories, but I can also enter information easily in months to come bc the categories and the usual charges transfer over automatically. Great time saver.
Kathleen - first call - PLUS parent loans - sorry, but these are YOUR loans no matter what agreement you thought you had with your kids. Your daughter told you she didn't think she could finish - that was a warning sign for her to switch out to a degree she could finish more quickly (like engineering tech) and you told her she had to go on. John said to hold the kids' feet to the fire, but if they don't pay, the loans will continue to accumulate interest and YOU will still be responsible for them because YOU signed for them. No way out of this dilemma for you if they don't pay for them as students loans are not dischargeable, even in bankruptcy, and senior citizens even have their social security checks garnished if they owe student loans. TO THE REST OF THE PARENTS - NEVER, NEVER, NEVER SIGN FOR A PARENT PLUS LOAN. If your kids need you to do this, your kids are going to a college that is too expensive for the family budget. Look for cheaper alternatives like starting at a community college for the first two years, etc. Learn from other parents now crying in their beers in their senior years.
Agree 100%! Never, never, never do a parent plus loan. Stress and resentment on all fronts. It is a family wrecking situation. The situation was so painful, hopefully others can learn from it.
Absolutely! Needing a Parent Plus loan to afford a college means you cannot afford that college.
Dr John Delone help please I just can’t breathe 🤣
"Partying! Rock'n on till the break of dawn!" 😑
1:40:53 Preach, John! 👏🏽 I know all about the “lifestyle stipend.” I have paid for all kinds of things for my mom and you’re right….the stipend keeps increasing. 😓
One time, I suggested to my mom she ask me if I am paying for her if we attend a family event that requires payment (bec I may not have money to pay for her all the time).
My mom got an attitude and stated she REFUSE to ask me. She said that is what her children are SUPPOSED to do…. Pay for her when she wants/ needs something.
Idk what to do at this point?!? 🤷🏽♀️ Very frustrating. 😞
Not gonna lie Jade I'm loving the dreads!!! Met both these two and it was amazing
She has braided hair extension not dreads. Yes, they are beautiful!
@sweetsmize6873 I was waiting for someone to correct me 🙄
@@bigT86100So you knew you were wrong when you typed it🤭
Love your show! Thank you for your wisdom.
thats what my mom and dad told me. and i brought the bill to them ater year four.... mom was like " what are YOU going to do about that?,.. that question grew me up real quick
Why did you have to take a parent PLUS loan to your parents? It would come directly to them.
My daughter didn't like me telling her that she had to go to a state school. But she graduated without college loans. She graduated debt free. That was a huge plus.
@@lyndahammel9502 And a decision she will appreciate more and more as time goes on when she sees friends still burdened with student loans YEARS later! Once our daughter was married and saw the costs of raising children, she has thanked us MANY times that she and her husband did not have the burden of student loans in their early married life. (Both of them went to state schools and both also worked to help pay for college costs their entire four years.)
If we women valued out money as much as men do, and threw out all these deadbeat, non-committal “boyfriends” out of their homes, oh how strong we would be! Wise up sisters! Value yourselves, value your hard earned money and homes and enjoy some well deserved peace!
Sorry to hear about the lady who is separated. You can sign up with Legalshield. They charge a small monthly payment. Hope this helps. Blessings.
8:15 These are called "BOUNDaries"....!!!!
A million dollar house in Seattle really isnt a whole heck of a lot. Some parents definitely act like they're entitled 😢
I think John and Jade almost completely flubbed the first call. First, they kept harping on the son, when the son makes $55k and owes $100k. Pretty bad, but not catastrophic. They really messed up on the daughter's situation: $300k in student loans with a $4,500 a month payment. She's making $60k and paying $4k a month on it ($48k, that's what, 100% of her income after taxes?) and the Mom is complaining about having to chip in $500. THIS IS THE MOM's fault. How could she guide her daughter into a $300k anchor? It's like giving your child a CRIPPLING DISEASE on purpose.
The Mom is getting off EASY - she's only chipping in 11% of her daughter's monthly payment. Her daughter is making $60k gross and paying $48k net.
How could Jade and John still think this is a kid problem? Her daughter is spending EVERYTHING she makes on the loan. I don't think she'd have money left over for food. Of course she has to live with her parents.
And to top it off, we never really heard a question from the caller. Caller just stated her situation and then J/J jump in the discussion. What was the question. Maybe the question would have been something like "should I take a 401k loan and just pay these loans off"? An actual question. We'll never know. On the other hand, maybe some callers are not calling with a question. They just want to talk about their predicament.
@@Fishouta The question clearly was "What can I do now?" And the answer really is nothing except pay them. She signed. She is liable for them and parent plus loans (or any student loans) are not dischargeable, even in bankruptcy.
@@Trustbutverify2651 ok cool. Missed it. Where did she ask it?
@@Fishouta She didn't ask it in that many words, obviously - but that was the focus of her call. She would not have been calling in to explain her situation if she had not wanted an answer of how to get out from under the loans with two kids who won't pay or honor the verbal agreement she claims they made. She put all the blame on the college ("this is what they told us to do"), rather than doing her own research about the consequences. Unfortunately, in her situation, there is no solution other than to pay the loans if she signed for them and her kids won't or aren't able to pay. I'm not sure people understand that the fatal flaw in student loans or parent plus loans is that there is no way to get rid of them in almost every instance except to pay them. And programs designed for students that may provide some relief don't work for parent plus loans bc it is the parent, not the student, who is borrowing. They are truly the WORST of the kinds of loans to take out, in addition to which they have to be paid back almost as soon as they are signed for (unlike student loans which start repayment 6 mos after graduation.)
Classic Dr FullOfBaloney he's such a clown and an unfunny one at that
I would pile money and look for opportunities. We started in a small house and moved up as it made sense. We started with a 30 year mortgage and was able to move to a 15 and then 10 year mortgage. We also paid extra each month. It took a while but we finally made it.
I love this combination of hosts!!!!! Besides Dave this is my favorite 😍
I love the trend of women climbing the corporate ladder and gaining this financial independency. Every single one of these power hungry little men are going to lose their significant others when the women learn how strong they are.
You must have had very bad experience with men. These women just chose poorly and appear to be terribly needy. Women have had the ability to get a good education and a good job for decades now. Unfortunately, too many of them have not made that choice and settled for someone to take care of them. Don't lay that at the feet of all men.
@@Trustbutverify2651 no bad experience with men. Im calling a spade a spade and not celebrating bad behavior. I’m just an incredibly respectful husband like many other men out there. My wife will be a doctor in 1 year and I celebrate and find comfort knowing that money will not be what keeps her in our relationship.
@@Deanpierce88 Well done and good for you! Just not sure why you are calling other men "power hungry little men" and not putting the blame on the women who CHOSE them.
@@Trustbutverify2651 Because the women on tonight’s show are clearly growing and maturing. And it seems (important to note we are hearing one side) that the significant other is not willing to grow at the same pace. It’s not the lack of maturity that’s worrying. It’s the unwillingness to acknowledge your significant-other’s concerns that worries me.
Men always say why get married if everythings ok. I would like to know whats the reason to get married if theyre already playing house? What good reason could the hosts or the woman give the man besides “commitment” because they would say im already committed to u. “I love u”
Imagine taking out $300k in student loans to make $60k and having your mommy pay your minimum payments
That lady is lying. Schools don’t cost $300k. Or even $150k unless they have masters degrees. Or maybe went to Harvard. Either way, they aren’t making $60k. Believe very little of what you hear from people.
@@WineandBrewShe said the daughter took 8 years and the son 7 and a private school so definitely could be realistic!
@@JackW26808 years for what? A masters degree? You notice she didn’t say for what? We just have to keep making assumptions for things. No one takes 8 years for a bachelors. She could have been talking about how her daughter went to a private high school which also cost loans. I don’t believe anything she’s saying.
@@JackW2680 Jade and John didn't ask ANY questions worth asking. There is a big hole in this story.
@@WineandBrew So many holes...they go to college, maybe not very bright, took a long time, graduate and he works for his dad for a little over minimum wage? What engineer does that.
3 days in a row with jade!!
Right! 🎉😍🥰🤩
Hey guys, the “if you don’t like it you can get another mortgage”, doesn’t flow logically anymore because the interest rates are no longer equivalent. I get the sentiment, but if he is arbitraging 1% now, he cannot get back to that situation. I kindly recommend you pause that logic argument until existing and current mortgage rates are back to parity. Thanks for the show, I love the work. I’m baby step 7 because of you.
I love this show, has helped a ton. Dr. John is probably great, but I feel like he makes assumptions way too quickly with some of these callers. You need more than 5 minutes on a phone call to start telling people what their personal lives look like.
We aren’t as unique as you’d think. A good therapist can figure things out about a person after a surprisingly short conversation.
If you actually listen to him, you’ll notice he nails it on the head 99.9% of the time. His experience and training helps him with that! Dr. John is pretty freaking amazing! ❤
To the young woman whose boyfriend won’t commit to marriage. You are worth more than being used by this man. Leave. God has a plan better than this for you Jesus said, “ take my yoke upon you snd learn from me for you will find rest for your soul For my yoke is easy and my burden is light”.
What does that Bible verse have to do with this situation?
@@Trustbutverify2651 I would interpret it as leave and trust God with your life, your burdens not man
Is this a tacit admission that marriage only benefits women? They're living together, raising kids. Why do they need a government contract to do that? The only thing marriage does is allow her to take a bunch of his assets in a divorce. Happens to men all the time and he was a divorcee himself; just trying to protect his finances for his own kids. I love how John said she had to protect herself as a single mom. Should the single dad risk two alimony payments and risk losing his sons? I guess he's chopped liver.
This is my favourite host combo!
Way to reduce people's stress by saying you are paying "soul tax" if you have a mortgage. And the loss of one or two clients could cause you to lose your house. What?
The mom with the twins!!! Omg!!! Why??? You footed the bill for a private college for EIGHT years? You lost your mind!
😮 !!! 🤦♂️ hard listened it
Agree hard to listen to. ☹️
Still not sure if they have masters degrees or what. I don’t believe they are making $50k. Engineers don’t make that.
My big issue with this show is that most callers are straight up lying. I mean I get it, people in general lie. With this show though it’s like people are either calling in to show how they make $450,000 a year (something only a small percentage of the population does) and want to know if they can buy a new car. Or it’s someone calling in like this where it’s total outrage with most of what she’s saying to be probably not true.
@@WineandBrew The salary for engineers in the lower paying fields is $61,000 five years AFTER graduation, so those salaries could absolutely be true depending on the type of engineering major the students chose.
Dr. John is my favorite. Such a good heart
Oh my gosh, enough already with the hate of android phones. They are great phone and cost way less than Apple its getting old already.
I love Jade's watch!
$4500 a month in loans? On what planet?
Try commenting on Spotify mainly not sure about TH-cam but their podcast has way too many commercials now. I used to listen regularly but I don't anymore. I know they have to make money but too bad for me.
8 years to get a 4 year degree? I was scared enough to end up having the “5 year program” when I was in school because paying more money was not an option. Only making 60k? I made more out of college 13 years ago with an engineering degree. I feel like starting salaries for most new engineers has gone up since I entered the workforce, at least in most areas. I’m lost on how they are making so little.
Let alone the amount of loans that were taken out. Damn. I had about 30k in loans when I graduated. I paid those suckers off as fast as I could.
I don't know why John thinks that insisting that the kids pay the student loans will solve anything if they don't do that. His advice for her to tell them "You have two more months and then I'm not sending them another penny" will only hurt her if they decide not to pay. It's the mother's signature that is on the line for the loans and not paying them will have no effect on the kids, but will continue to accrue interest for which she will be responsible. These are not co-signed loans; they are Parent PLUS loans. The students bear no legal obligation to pay unless they choose to do the right thing and pay them for their mother. Parent PLUS loans cannot be transferred to the student.
Why didnt they take regular loans? I don't get it. Why minimum wage with his dad....something very peculiar.
Likely did not qualify for regular student loans for one reason or another OR they knew their mother would sign for them (which she did) if they promised to pay them back (which they are not doing.) A quick Internet search would have warned her of the dangers of taking out PLUS loans!
@@Trustbutverify2651 You always qualify, lol. They have set amounts, you don't need credit, or common sense. I put 3 through. There is something very odd and I think Mom knew they had issues. That said, the daughter living home and paying a big chunk is healthy for her, but why did they get so high?
@@deb9806 No, actually a person does NOT "always" qualify. There are certain parameters students have to meet, as well as keep a certain GPA for federal student loans. In addition, there is a limit for the federal loans and if the kids were at a private college, the cost differential between what the financial aid offered and the actual cost may well have been significant. OTOH, the mother could borrow as much as she wanted in parent PLUS loans which was her choice. I also put two kids through college debt free and have worked with hundreds of students in both high school and community college for 35 years. No, everyone does NOT always "qualify" except for parent PLUS loans and the responsibilities for the parents are clearly spelled out. But parents (and their kids) want what they want, no matter the cost at the moment. Kids want their "college dream" and parents want bragging rights
@@Trustbutverify2651 If they did not qualify for subsidized direct student loans, it is because the parental income/assets disqualified them. If the parent could not afford to pay out of pocket due to not saving for college, it means the path through college the students chose was unaffordable to their family. PLUS loans are garbage. You are 100% correct in saying she should have done some research before signing them. She was not a impressionable kid when she signed. She should have said no and figured out a less expensive way to help her kids through college.
@@Trustbutverify2651 True, but I've never seen a kid denied but I'm sure it happens. I wish more. Mine got scholarships and Obama got 3% for 2 years I think and I took one of those loans and told my daughter I'd pay it which I did. Parent loan was 8%. It made it easier. Kids shouldn't be paying R&B and tuition outright, it's crazy, not many jobs will make it worht it and not all colleges are the same. Some are "push them through" diploma mills. That's even sadder because the education sucked for 100.000. You need an education in picking schools in high school for sure.
The response to the letter at 57:00 or so is unhinged. They're basically ordering a divorce over the husband being stubborn about combining accounts. Many people do this these days, like it or not. If he was raised with split accounts being the norm, it might feel really weird to combine them and an emotional appeal is just making him feel manipulated.
Instead of assuming he's an evil bastard who is cheating and doing God knows what, assume that like most people he's just set in his ways. Why jump to assuming the worst in someone that you haven't even met? Anyone can write a letter making someone seem like a bad guy when they don't get to voice their side.
But that is typical for this show - they always take the side of the caller, and only that side.
Why are you defending one spouse’s right to dole dollars out to the other spouse? How do you defend that kind of money behavior?
@@2dodger2 there's nothing inherently evil about it, it's just no longer the status quo. It worked that way for nearly all households 50 years ago. I think it's arrogant to assume that the modern way of doing things is the best. Given the sky-high divorce rates, that's clearly not the case.
Isn’t it also arrogant to believe that just because something was the status quo 50 years ago that it precludes it from being inherently evil?
@@BlakouttheMM ?? Evil? I don’t know why you are using that word. It’s a simple matter: If one person contributes 1/2 the resources , why should that person be put in (their words) the “humiliating” position of asking the other partner for any money? That arrangement does not make sense to me, at ANY point in history
I’m an engineer… 7/8 years of school…What!?
Do they have masters degrees? What schools? She didn’t mention any specifics. I don’t believe her.
Sounds like they wanted to drop out but they were forced to keep trying.
Hard to finish in four years when you hate school.
I'm curious if they completed grad school. One kid was in private and the other public.
1:30:00 Ask to see her budget.... Sounds like she had years of blowing her budget and now she wants yours? ..............UNLEsss she paid for years of you at school/cars/homes/dancing/horses/etc... Then you owe her.... ORrr... you can afford to throw her $50/month. In this commitment, factor inflation...
Wait a sec. This 75 year old lady is meeting all of her bills with little left to spend every month. So she wants $1800-$2000 extra every month from her sons simply as blowing money? She could take a vacation every month with that.
Brenda you are an adult, a parent. You are teaching your children how to let people treat them. If he’s a bully, his kids are bully’s too. Get him out!!
Agree - but she may have to go through legal eviction proceedings in order to get him out, even though they aren't married. Getting the police involved may not be sufficient, and may make matters worse. It depends on state law.
I rolled up on my ex’s company’s big rig on fire in the driveway right under the sleeper.
Y’all exaggerated this one 😂 1:01:53
That first call was rough to listen to.
Engineering degrees do not cost 300k
Oh, but they can. This is a total of 15 years (7 for the son and 8 for the daughter) of education at a cost of $400,000 in parent loans which works out to about $26,000+ per year. College definitely costs that much these days, even at a state school, with tuition, room and board, and fees. Do the research.
It probably does when you go to school and flunk classes and it take it seriously.. would be my guess on the situation with the daughter
@@brandonripperger8913 She told the mother the field was not for her and the mother insisted she continue on.
@@Trustbutverify2651 but what is the cost of tuition only? I have no idea these days.
@@Fishouta Varies hugely from university to university and state to state - and also whether private or state university. We live on the border of a state that is one of the highest in the country for in-state tuition and 20 miles away is a state to our south which is one of the lowest in the country for in-state tuition and their out of state tuition is not much more than the cost of our in-state tuition! So smart parents are moving "south of our border" while their kids are in high school and commuting to their jobs in our state so they can get the less expensive tuition rate. All parents who want to minimize college costs should also consider where they are living if they plan for their kids to go to college as it makes a HUGE difference in the financial outlay for in-state colleges. The great aspect about engineering programs is that many colleges have a co-op program which can defray the cost of the last two years.
This is a huge debt for Engineering degrees. There's much more involved with these loans.
My favorite duo!!! ❤
To the woman who has children and the boyfriend with his children there, I can see why she thinks the only route is selling her home. There are squatter rights as well as the fact that he probably has his mail going there so it would make it very hard to remove him from the home.
Dude😂 one of the last callers was like “ Hey uh uh guys! Uh uh uhhh uh oh uh so my dad uh uh uh huh uhh decided to uh uh uhhh uh”😂😂😂😂😂
Dad should have had life insurance to pay off that house for Mom to live in.
As an engineer myself, I don’t know how it takes someone 8 yrs to graduate going full time. Also unless you’re in SW or in a very big city you’re not making more 75k fresh out of college
A lot of the calls lately feel staged
Wills saud business. I would have addressed the risk factor or confirmed that the fire was not caused because of the nature of his business. If he had his truck full of product I believe, and I could be wrong but I believe there is a fire risk of spontaneous combustion. If that's the case I would strongly consider the next truck because it likely could happen again. Again I could be wrong but my first thought was his product is going to cause this to happen and I would want to make my purchase with that in mind. Might change the numbers or the way I transport.
I heard sod, as in dirt and grass. Probably not a spontaneous combustion risk.
Zander has an age cutoff at which you cannot even apply
What age?
@@strqueen123I forgot. But I'm over that age limit.
I like how John nailed the issue with Brenda's situation.
How can she put the steam on when she signed for them? She shouldn’t have done this.
Why didn't they get lower interest student loans for students? My daughter got 3 % one year when Obama was president and she didn't need full amount but I asked her to take it and I'd pay it back instead of putting it on parent loan. That was the only year but it helped. Parent loans are always higher interest.
The monthly payment is considered their birthday and Christmas present
@@deb9806 Parent loans are often the only option which is why families that need them should find other ways to make college less expensive, like starting at a community college for general education courses for the first two years.
exactly
@@Trustbutverify2651 But the student always qualfies for lower interest loans first. Parent loans are to fill the gap. I had 2 I paid off but the 6.75 I got was higher than the 3 and 5% they had. Some parent loans were 8% back ten years ago. I can't imagine anyone going to school on parent loans. Even if they took them out and she paid them, the interest would be lower.
The crying girl should go rent what she can afford for her and her 2 boys NOT a house for 7. He will leave her with that lease and high rent. If she goes to a house she needs to make sure that he is on the lease or that she can afford it alone if he leaves.
She should not put him on the lease. She should not even be with him.
These kids went to school for 8 years!!!!! Absurd.
Something taking 8 years does not mean in school full time for 8 years. A BS engineer is a 4 year degree. I have one. If it takes 8 years, which I think mine did, then so be it. I started my family and worked along the way. I was not full time 8 years straight.
An engineering degree is often 5 years because it has considerably more credit hours than other college degrees. In addition, some students do not plan well and get their pre-requisites lined up properly or even switch majors. Fewer than 50% of college students finish in less than six years these days, and many engineering students take longer, especially if some of those years they need to repeat classes or do not have the advance knowledge from high school to go straight into university level calculus or physics.
Parent Plus loans are a parent's responsibility. The parent has the responsibility to set limits and make appropriate decisions. Mom made dumb adult decisions that she wants to burden her kids with. That's not okay.
I'm sorry, was that a lonely island "I'm on a boat mother effer, don't you ever forget" reference hahaha
Grandma Gangsta- Art of War , Art of Negotiation- split your enemies , one son will cave , he gets the inheritance, I was with the daughter in law until she said over 2 million net worth , give the ole lady 1k a month no points , work some more, stop bein so selfish
So is the live chat gone?
No, If you swipe to the right there is a section for comments and live chat replay.
Live chat ends at 6pm eastern
@@flashthecorgi2053 funny i haven't been able to access it on my laptop the last couple of days.
A boyfriend without a ring doesn't get a vote.
If she stays in the house she can rent a room and make the mortgage.
Wait what? 8 years in engineering?? I'm sure there's more to the story.....
No, school was spread out over eight years to get a 4 year degree.
@@Fishouta Engineering is generally a five year degree unless a student starts college with credits already earned. An engineering degree is generally abut 25 more semester college credits than other college degrees.
@@Trustbutverify2651 do you have a degree in Engineering?
@@Fishouta No, but I do have three degrees, a brother who is an engineer, another brother who is a physician, a daughter in corporate finance, and a daughter who is an attorney - as well as other brothers who are entrepreneurs - so a pretty wide-spread basis of knowledge about education and careers (and taught part-time for 35 years in community college and four-year universities while teaching AP history in high school.) I have also served as an academic advisor for hundreds of students throughout the years.
Don't touch. A bmw hybrid ,no macanic will first time anyone has hung up on me.
Well in the conversation of venmoing your partner money, what about the hundreds of thousands of cases where women withdraw their husbands bank accounts and leave with the children, are we supposed to just ignore that? I don't blame men for doing this
I am sure there are some women out there that do this, but marriage is a covenant and if you enter your marriage afraid that your wife will take advantage of you, then don’t get married!
Or similarly It’s like saying there are thousands of kids who leave their parents and become ungrateful adults. True, but if you live your life in such fear then don’t have kids. And you will miss out on all the joys that marriage and/or parenting has. But at least you will have a secure bank account :)
@@ЛюсяВ-я8к so you toss all the responsibility on men, and dismiss the fact that women take full advantage of the laws here. It is ridiculous that there are no consequences for women's bad actions, but if this were the other way around I bet the man would be in jail
I don’t know your story, but it seems to me that you have been taken advantage of by a woman. Sure, there are some women who are scammers. But most women just want a loving man who is gentle and kind. If a woman runs away from her husband with the kids, then it’s not a financial issue. It’s a marriage issue. Essentially she is saying that she would rather be a single parent (which is ridiculously hard and unless she makes a ton of money a very quick way to poverty) than be married to her husband. Women don’t take such decisions Willy nilly. So if this happened to you, perhaps the question you should ask is why did my wife take the kids and leave me, instead of being upset that she took your money. But seriously, if this is your story you should do some soul searching. Women don’t just get up and leave for no reason. Blessings to you.
Psa!!
If you’re planning on calling , please don’t give a long story because I promise you, nobody cares and 90% of the time, your story DOES not tie to the actual question! Sincerely, a man who gets second hand embarrassment
First caller: what is your question?
If I was on a nude cruise folks would say please get dressed.
Student loan sunk cost
A modest inheritance = $260K 😂
Yep, modest, in my circumstances. Everyone thinks differently, and everyone's situation is different.
@@bettedavis9261yep, hence why I think it's humorous.
@@Elizabeth_lowkeyluxuries gotcha.👍 Couldn't tell if the 😂 meant you agreed with it being modest, or disagreed.
Have the boyfriend removed and change the locks. Take care of you and your sons.
Why did Jade come late to the set? She was distracted, and the result during the first call was that she was overly speedy in helping the client
Dr John and Jade need to be a permanent lineup. 🔥🔥
No.
Will, you called the wrong show. Try Entre Leadership
It's painful without Dave. Severe, pain. The rest of these folks have zero wisdom or logic in Finance.
George Carlin? Seriously?!? One of the most outspoken atheist blasphemers of all time and you use a "Christian" show to let everyone know how much you adore him??? Yet another reason why I listen to Dave Ramsey for financial advice only and never, ever for any spiritual feeding.
TODAYS SHOW WAS ALITTLE CRINGE LOL
Good grief! Stop, stop stop telling people to make ‘extra payments’. You should be saying to make payments to the principal only. A payment consists of principal and interest so one would only be making advanced payments, not designating the extra money to pay down the principal balance. I cringe every time I hear this verbiage out of anyone on the Ramsey team.
Their verbiage isn’t incorrect. You even say it yourself; “You should be saying to make PAYMENTS to the principle only”.
Me, too - and I have pointed this out MANY times. In addition, if you can't so designate online, put it in writing. A phone call is not enough these days (which they have also told people to do on past shows.) People don't always understand how these loans are structured with more interest on the front end and principal on the tail end - so paying off principal is worth much more than just an advance payment. Another example of the fact that their personalities don't have degrees in finance. I don't understand why the RS people with their MILLIONS now in profits can't hire a CPA and an attorney to sit in the booth and talk into the earpieces of the "personalities" when they are giving incomplete or in accurate advice on the show.
Uh uh uh uh uh uh uh uh uh holy shit spitter out
Sorry, Jade, to give negative feedback about your appearance, but you are on film. Your hair gets in the way of your movements, distracting from what you are saying as well as distracting from your beauty and composure. Mean this as constructive if you can take it that way, apologize if you can't.