I’m 86-Years-Old and Broke
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George, the woman is 86 years old, no one is going to hire her.
Duh. Wake up, George ! Her best option is to rent out rooms.
@@user-lf2lf6wy4zAbsolutely, rent out a room. George is lame!!!
You can make upwards of $5k-$10k a month delivering pizzas or mowing lawns. This caller needs to get out there and go after he goals!!! 💪
@@JayWin70 I disagree. If she rents out rooms, she might find herself with SQUATTERS who mooch off her and refuse to pay rent. The law protects THEM.
@@costco_pizza😂😂
You just told an 86 year old with cancer to get a job. Wtf.
What else is he supposed to tell her, to keep digging a bigger hole of debt? If she doesn't want advice, then she should not have called the show. True at 86, you really don't have any options anymore because you have pretty much run out of time. But she called, so she wanted some advice. What else could they have told her if she wanted to get her debt paid off?
That’s not an option! You you tell your Mom to get a job at 86 and have a life threatening disease.
Someone needs to start a go fund me me for her. Sale home and get into government housing section 8
@@vickieclark5931 He could have told her that he had nothing to offer her. He could have told her to consult a lawyer. He could’ve done anything other than give her the ludicrous advice to sell her house and get a job. She is unemployable at 86. Her house is her homestead, so it’s protected from her creditors. She needs advice from someone other than the smug George Kamel parroting the talking points Dave handed him.
@@vickieclark5931 How about the host having some compassion, Vickie? Is that possible?
I remember when Ken asked a caller how much he made and then responded "EWW" 😅
At 86, she retired only 6 years ago at 80, which meant she worked 15 years with the leukaemia! At a time when most people are already retired. She can barely function, as she's elderly with cancer, and it probably took a LOT of courage for her to make this call and she received zero empathy or practical advice. 🥺
This guy is a idiot!! She can get help with food stamps for food. Forget the 8:40 cards. She should keep her dog. And then he blames her for not having money to retire comfortably.
These hosts are robots, she's 86, she can barely make this phone call.
What do you want them to say? Money isn't going to just fall out of the sky.
She can 86 their advice
@@thestevenator
The problem with Ramseys is there advice is robotic. They don't care about context or if there advice actually harms like in this case. They are selling there brand at the expense of an 86 year old woman
What i want them to say is give realistic advice. Not all of there's is actually bad in this call. Like yes. Get rid of the dog. But they are trying to put an 86 year old woman through the baby steps. It's absurd
@thestevenator selling the house and living with a roommate or family. Getting a job other than maybe babysitting is absurd.
Please dont tell her to deliver pizza.
Are you really serious that this 86 years old lady should get a job😳😳
He’s telling an 86 yo who’s had leukemia for past 20 years to re-home her dog over a couple hundred dollars a month?!? Dude needs some life lessons on empathy 🤦🏻♀️
And she needs some math lessons
Yeah that's so wrong. Keep the dog!!
Hopefully he loses his no talent TH-cam job! He’s an entitled twit!
@@user-ko2fq2hg8b Be careful, life has a way of humbling you!!
George is the worst!!! This show and hosts are clueless and lame. I'm out.
BTW your empathy level sucks. How dare you shame her for not planning her retirement better! You don't have a clue about what she has done in the past...she planned well enough to have a paid for home! She raised a good human being BY HERSELF. What is wrong with you? You should have told her to file for bankruptcy or suggested that she get help and negotiate with the CC company and then review her expenses with her. Your day is coming sir.
He's pushing her because she's making all kinds of excuses. He doesn't actually want her to get a job
If my 85 year old mom is struggling she’s moving in with me. Point blank period.
So often, children of aging parents have to leann in with a heavy hand and make the tough decisions .
Why is she even worried about paying off her credit cards? Let it default and enjoy the last few years of her life.
Edit: everyone should look at Dave’s response to this video. He suggested the exact same thing as me.
True, unfortunately.
unless she lives to 100. then the credit card companies garnish her SS check to get their $
Social security can't be garnished anyway so yes
Declare bankruptcy. Get the debt restructured. she'll pay something, but not he massive interest that's burying her.
At this age, it makes alot of sense
Find a part time job at 86? Dude, she probably can't even walk anymore, it's just a stupid, cruel thing to say.
Agreed.
You can make upwards of $5-$10k a month delivering pizzas and driving Ubers. This caller needs to get out there and go after her goals. She will be able to clean this mess up in no time!! 💪
But she can clean up after a dog and feed it?
@@discofishing Well, this guy host should specify what an 86 yr old with cancer can do if someone would actually hire her, right? Not just say get a job. Like what? Pizza delivery, Walmart?
Feeding a dog is done at home. She probably has a garden so the dog can do its thing outside. And she has the freedom to do what she wants with her dog unlike when you have an employer.
Yes, I am taking your snarky comment seriously.
@@Bronte-on6tm DISAGREED, get out of your feelings and look at reality for what it is. Its not the universe's fault she didn't save for her lifestyle at retirement.
This was painful to watch. You don’t give advice to 86 year old woman to go back to work, so she can pay off 30K in credit cards. Her annual income is about $12,000! She clearly needs help from a social worker or someone with compassion and expertise, not a finance guy telling her to get rid of her dog. Sickening.
I cannot believe not once did they mention seeking help from social workers to see what assistance is available...just said welp it is what it is cut cost and increase earnings. These hosts deserve getting roasted here.
@@m3932213 Probably because the Ramsey show is very right wing, pull yourself up by your bootstraps and don't rely on the government for anything. I don't think that's necessary bad to hear for young folks as they need to work and take care of themselves. But by the time someone is 86 years old, the horses have left the barn. Time to either die in debt or seek assistance from God, children, the government or anyone who is listening.
I agree. Sometimes dog rescues will give a bag of dog food to low income people. I think that she should see a social worker to set her up with resources.
She needs a social worker. There are programs to help the elderly. Help with Utilities, food, meals on wheels, car repairs, etc. There is help out there. This is the first step.
Wish Dave took this call. She’s 86, working is not practical…this woman needs some real advice
Get rid of the dog, move somewhere else, get a job. Dave doesn't have a magic wand my dude.
@@fishroy1997 yeah, at 86😂 let’s get her on the assembly line
@@gessrinky9129 purposely obtuse. 🧠💥
I agree.
They gave her options she turned them all down, like what magic wand do you think Dave possess to fix this situation? She's drowning and won't even move in with her daughter because their "personalities clash"??
George preaching to an 86 year old like she is a child. He should be ashamed of himself. Have some respect man.
She is acting as a child.
@@davidfairchild1640 I guess you don’t respect your elders either.
She can't work at her age. That's just dumb advice.
Many irresponsible 80 year olds. They should be ashamed of themselves.
oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.
Asking a 86 year old to sell her house and get a job is crazy, terrible advice
Exactly. She should not sell her house. Especially in FL where rents are sky high. And if anyone tells me to get a job when I'm over 80 years old, they are getting punched in the face.
This man is telling her to leave her home of 20 years to go to an apartment and then get rid of her dog. That's a tremendous amount of stress on anyone but the amount of stress on an 86 year old woman could kill her. This guy needs to stop studying money and start studying humanity.
Life is tough. Time to stop coddling people and face the music. Stay out of debt when you're older
Why are you asking her if she can work? Dude SHE IS 86?
Plenty of people work that long or longer. In fact a lot of people stop working and then die.
@@fishroy1997, I don’t know anybody working at 86 years of age.
It appears he got the advice straight out of textbooks rather then common sense.
Well... technically she could be president of the US at that age, j/k. Sadly, her best option is probably to sell the house and downsize into a rental
oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.
Crazy to ask an 86 year old to find a job, this is horrible
And the stress of her working will just accelerate her into her grave. Your last years on earth and you can’t even try to enjoy them.
I know but what is the alternative???
Right. I'm listening to this, while working and I turned my head like, "what". She's 86 dude, TF.
@@thesuperdingos She had her fun already obviously, now its time to pay the bill like the rest of us.
Not really, she made those decisions
When she said she has little energy, my heart sank. I bet she sleeps a lot during the day, that is what happens at 86. You don't get a job. This video was entirely insensitive.
and she has cancer
@@whatevergoesforme5129 oh my goodness, my mind must have been wandering. I didn't catch that. That makes it a million times worse. I really do wish this woman the best and some good solid help!
Unreal how he's talking to an 86 year old. Have some compassion George.
This is so wrong George, she is 86 years old and you sending her back to work. She worked until she was 80 years old. She said “ I was a single mom all my life with no help.” This goes back to men who abandoned their children and leave all the burden on the women. You should recommend her to a non profit or food shelter to subsidize her income. She worked all her life. She never abused taxpayers. Never lived on welfare. She should be getting food stamps. Help with utilities. The system is so unfair to people who get up and go to work everyday. She went to Pharmacy technician school. She did not sit home and abused taxpayers to say she was taking to care of her children. She worked.
Blame the system or the government not the man. Cuz you don’t know their history
NOOOOO the blame is on women for picking shity badboys or scaring off a good man
George-that poor elderly lady is desperate. The time to firmly lecture her is over. A little compassion would have been nice. And suggesting she get a job at age 86?! You are obviously clueless at the challenges of today’s elderly citizens who live on Social Security. Inflation, gasoline, home repairs, medical bills, etc. And to suggest she get rid of her dog? Her dog is probably brings her a lot of joy at this stage in her life. I hope she calls back sometime and speaks with Dave.
Yep. I'm only 50 years old and work a very white collar, non-physical job but I feel the effects on my body and mind after working 40-50 hrs each week. I can only imagine how little I will have left to give for work after age 70. If anyone tells me to get a job after age 80, that youngster is going to get punched in the face.
@@kensmith2796 At work, I was at my desk and hitting my forehead, frustrated because I couldn't remember how to do some things that I had done on my computer previously. So I retired last year at age 68. I can't imagine 1) trying to get a job at 86, and 2) trying to do the job if somebody actually hired me. I felt the urge to punch George too.
"Get a job" ''We didn't set ourselves up for a bright future in retirement.'' Not helpful. Not necessary because this poor woman already knows that. Worse of all? Unkind.
Dave, please have a stern talk with George. This was terrible.
What advice would you give her?
This guy should be fired....he is so rude, disrespectful and condescending. She's 86, has leukemia, and sounds so fragile. He better be careful....karma will stop by his house. Disgusting!
George, you’ve really disappointed me with your advice on this one. Maybe you could have asked her to get her house and land officially appraised? And you think an 86 year old woman in frail condition needs to keep her car? And you chastise her for not planning well enough for her retirement? And the poor thing is elderly and ill and you say, “well maybe you need to get rid of your companion dog”. This is disgraceful behavior on your part. Maybe someone at Ramsey could reach out to her and help her instead of being judgmental and cruel.
Totally agree 😢 good lord - quite upsetting actually. Just imagine how she feels 😢
Maybe she needs to get a job so she can pay these kids college debt. She don't need her SS she needs someone else's debt. See how bidenomics works
Ramsay Show doesn't exist to serve the guests, it serves the audience. There are important lessons to be learned from this woman, and those things need to be said. The sympathy should fall on the government via SS, Medicare, and elderly assistance. Ramsay is not a charity.
I agree, he was cruel and showed no empathy.
This man's acting like she has another 50 years to live.
Exactly. She might have 5 years. George is ridiculous
Callous to the core, he’s very arrogant.
Oh that’s his name, George? George you are an asshole. If he can be so disrespectful to an very elderly person, imagine the kind of husband he is?
Where is Dave when you need him?! Would George have spoken to his own mother that way? This is not some 20-something calling in. This woman is nearly 90, took the initiative to call into the show and has a positive net worth for crying out loud! No, her financial life isn't in perfect shape, but she should not have been talked down to by George the way she was!
This is crazy telling an 86 year old person to get a part time job, shame on you
George, I can’t believe how you treated this poor lady. Shameful.
This call really made me question why I listen to this show. Where is the common sense?
Why do you listen to this show? It's for robots
The worst episode ever … wow this is humanity
86 yr old woman at this stage does not need to go back to work. Let her pay the very minium to get creditors off her back or file for bankruptcy. Time is not on her side.
Stop telling her to go back to work at 86 years old. She could rent out a room or rooms to a college or undergrad student. This is what a lady up in Massachusetts did and she is just fine. Her house was so big she could not afford the repairs and rented three rooms out to Grad students. The students really like her and checks in on her.
YES! There are at least a half dozen colleges in Jacksonville, FL. The rent should offset the increased use of utilitities, and it will help pay down her credit card.
I like the idea. Too bad the hosts could not think of that.
Great point.
Love this suggestion. Solution oriented.
A job!????? Give me a break.
WOW! George is unbelievably callous with this 86yo woman. His tone was so incredibly rude. Absolutely blown away he actually asked her about getting a job. I feel like she is one person they could have put in touch with their financial advisors for free and to help set her up with a local church or organization to help get her food and pet food for free through a food pantry of some sort. This alone would probably make up the difference for her. Sheesh....Jade and George both blew a huge opportunity to help this woman.
This guy was no help. Bad advice, show some respect.
Someone start a go fund me or something for this poor old lady! She should not have to rehome her dog or get a job. She is 86 and has leukemia!
This is the worst advice ever. She will die on the Walmart floor. No reason to pay off food at 86. Rent the rooms out, we needed Dave here.
Seriously, 86 and recommending doing a job. She is almost 90!!! Comorbidities. Her dog is her company. Rent out 1 or 2 rooms in your home. Students will be grateful. And it will increase safety.
If Dave would have taken that call he would have been understanding and kind. Why didn’t George or Jade say “Stay on the line, we’re going to set you up with a personal financial Ramsey Coach, for free.” That lady would have been very grateful!
I was surprised they didn't offer that help with managing her finances.
Don’t pay it. Telling an 86 year old to go work is so damn callous. The way he spoke to that woman is unacceptable.
It’s ok to tell people I’m sorry I don’t know the answer. You jerk.
Agree!
100% agree. What happened to respecting your elders! Omg!
@@v-2010who cares about the decrease to the family, she needs to live! Forget those credit card companies. Some of you are a little too neurotic about leaving "something" to your family and legacy. Leaving a life insurance policy should be enough. The grown-up family will be fine.
They shouldve said, sell the house pay off the debts move into a fixed income senior community she could afford. OR file bankruptcy, she will keep the hpuse and car, debts gone. Greeter at walmart to make the 200 a month she needs.
@@v-2010credit card companies can’t get the equity from your home or take it
Media team: there’s still time to remove this video.
Hopefully Dave can call the lady back too!
I know right! I am disgusted !!
They turn the comments off first
@@stewbugz5213 I would love for them to reach out and give some real advise like get connected with a social worker and/or church. George was literally trolling her by telling her to get a job.
They sort of blew it on this call, telling her to get a job at her age and with the health issues. But getting rid of the dog? That dog may be the only thing she has left. I thought that was heartless, no matter what the pet costs. She's 86! Didn't throw her much of a lifeline, now what is she supposed to do??
I’m pretty sure George probably killed her by being such a prick during this call. Hopefully his karma is quick and Dave cans him for this!
I’m sorry George. You need to be fired. This is the worst call I’ve ever heard on this show in terms of advice given.
Which part was bad?
You guys are young so you have no idea how it is to be old and sick. Berating a sick 86 yr old for not preparing for the future won't help her so better hold your tongue and just give your advice. You want her to go back to work at her age and with illness. Then find her an employer who will actually hire her but since she is sick, how can she work efficiently? She said she worked until 80 so she was not a lazy bum like the young drug users and alcoholics I see on the streets nowadays.
No one is making excuses for this old lady. It is what it is, but showing no empathy is not Christ-like.
I swear when George is on I change the station. Guy pulls the entire show down with his stupidity. Telling an 86 year old to get a job and lecturing her on poor choices. Give me a break.
Let me guess?
Your WHITE?
50+?
TRUMP supporter?
If yes to all 3, your comment fits your mindset
And his crazy eyes! He creeks me out! He was awful to her!
Joan, please don’t listen to them. This is horrible advice! Sell your car, use your car ins money to cover your monthly deficit. Please don’t sell your house! Enjoy your little dog companion. You deserve the cuddles. Accept $100-200/mo from your daughter if she can help you. Rent out a room or two if you’re still struggling! You sound like a lovely woman. You’ve done the best you can under very difficult circumstances. Everything will be ok.
Much better advice than elderly hating George!
Agree. And I have seen a lot of other good advice suitable to her circumstances from other commenters. Answers should be tailored to the needs of the caller and not a one size fits all. Even a reverse mortgage might be helpful since with leukemia, she is nearing her end (even though I know reverse mortgage schemes are rip-offs and a big no no for Ramsey and his cohorts like CC).
However, this guy host and some heartless commenters here prefer that advice be given with put downs because a caller should not be thin-skinned or a snowflake, according to them. What good will shaming her do her now? She knew that life sucks and no one is making excuses for her mistakes. It is what it is. And I don't buy the excuses of the shills here that this was done to warn us about not saving for our future (as if we don't know that already if we follow this show LOL).
The old lady was explaining her expenses but they did not want to hear her out. Had they listened they could have told her what to cut (aside from the dog, but she needs it for companionship since people are not robots), what to sell (not just the house), etc. But they just stuck to their usual script without any nuance.
She has issues with her daughter, so now is the time to tell her to make amends since at her age, she should try to create good memories with her daughter. This is supposed a Christian-leaning show, right?
❤
The team is going to get a mouthful by Dave Ramsey for handling this call so bad.
I hope so. It's well deserved. And I'm shocked at the sanctimonious, heartless, holier than thou comments from some of the posters on this thread. Sickening.
I doubt it. Someone on the team CHOSE to post this call as a “highlight” of the show.
I think so too. This will probably be strike 2 for George. 😂
I wouldn't be surprised if Dave agreed with them too sadly
Dave don’t give a fck unless you’re lining his pockets with book and app money. Stop praising any of these people.
This show has completely lapsed in the common sense values Dave built it on. Get these clowns off the mic
Most of them are not helpful. I bet she felt gipped when she got them and not Dave. It looks like George is popular, but mostly as entertainment and flippant advice. He is too young to help most people.
I don't know what the hell they are talking about. This woman is 86 years old. Let that card go into default and enjoy your life. Lady, stop worrying about a d*** credit report. You are at the end of your life.
What the hell is going on with Ramsey Solutions?!! The other day Rachel and Ken tell someone their daughter shouldn't sell her Taylor Swift tickets to get out of debt (once in a lifetime experience) and now an 86 year old has to get a JOB and get rid of her dog?! All the hosts are just doing their own thing
Please do not shame an 86 year old woman! She darn well knows that her finances aren't great. Let's say, " I'm so glad you have a paid for house!". Now, how can this paid for house best serve you? As a place to live? Or getting the money out of it and renting something else? Let's see what kind of other programs are out there that you can qualify for. Has someone looked in to low income energy assistance? Food stamps? Etc. She worked well in to her 70s. No harm accepting some help. She worked and paid taxes for many, many years.
George needs a big lesson in how to speak with humility. I’m a coach. I would have told her buy food first, keep lights on, keep car going, keep clothes. THEN pay what you can towards credit cards. Stop using them! If you can’t afford to pay them then don’t! Let them sue you if they want but you’re on a fixed income. Good luck getting anything. Have some kindness in your voice George. I wish Dave took this call.
Excellent point.
I believe Rachel would have handled it well. Learning experience, George.
Yup George knows nothing accept for what hes been force fed. His ignorance was on full display here
I mean, don't you have a grandma, George? I do. And she's also 86. I know how to speak with an old woman. George does not.
At 86, should she still be driving?
Did this dude just shame her for not saving enough. She is 86 years old and you are telling her to go get a job??? What a tool. Hook her up with some resources for assistance like food or vet care which could easily take care of her 200.00.
Amen! You should work for Dave, not George! My vet does free work for elderly and for service dogs.
@@stewbugz5213 thats is super kind of your vet
Telling an 86 year that “You didn’t set yourself up and now you have to deal with the ramifications” is a horrible thing to say. He doesn’t now her past or anything she had to go through. This guy is an entitled jackass with no soul.
He just stated a fact. If you find it hurtful its because deep down you know its shameful what she did.
@@kleindropper She didn't do anything shameful. Women always earned less, had to work harder, etc. I had a job once in the late 70s where a male temporary, part time employee, I discovered was earning more than me a permanent full time employee! It was not easy to save or prepare for your future. Things like IRAs, etc. didn't exsist. There was no internet to instruct us so you had to track down books to learn about personal financial management. My library had maybe 6 decent helpful books. Thanks were so much harder.
@@kleindropperand kicking someone when they’re down is not shameful?
@kleindropper how is it shameful? What did she do? Most likely get married (at age 86 she likely married before having her kids as it was 60 years ago...) she had kids as is societally expected and encouraged, and the husband and her divorced and he didn't ever financially help the family he helped make. She also said she had more than one kid and was a pharmacy tech. There's nothing shameful in supporting your kids as she did. She never rose above a certain level of income but you don't know why, nor if the reasson is shameful. She could have dealt with illness amongst her family, had to help her kids or grandkids with God knows what health related, or anything. You don't know. And it's bizarre you would call her a shameful person based on the info she gave.
@@jenniferwildflower4249 Its shameful not to plan for your future, and be responsible; now someone else will likely have to sacrifice their plans and dreams and take her on as a burden.
This was difficult to watch. Not only because she is in a really sad situation, but also because George spoke to her with such little empathy. There were no practical solutions given for this kind of unique situation. Like for one, just default on your credit card debt. Let them come for it when you've passed and take it from your estate. Also, she could qualify for some other government assistance potentially or maybe some local charity solutions like Meals on Wheels to ensure she has food regularly. And its far from ideal, but even a reverse mortgage might be beneficial to someone in her dire situation. When you told her to go out and get a job I wanted to slap you through the screen.
George you were extremely insensitive. I lost some respect for you. Also the other host. Y’all in trouble with Dave Ramsey. Shame on yourself to suggest she sell the home, she would be homeless in a matter of months and have her work. You don’t need to remind her she’s in a rough situation, she called you guys for help not to be criticized.
Did this man just tell her to find a PT job??? 🤦♀️ He needs fired
Yes
This is why I worry about what happens to Dave Ramsey legacy after he goes..
Did they really tell a 86 year old woman to get a part time job as a option?
Ridiculous.
Keep Dave until he is 86 please!!!!
Yep
The problem is that Ramsey created a bunch of bots that can only repeat the 7 steps without thinking situationally
Truth!
Essentially scolding an 86 year old woman for not setting herself up for success is insane. Why not advise her to reach out to churches around her that perhaps offer services for the elderly??
Be kind to this lady. I don’t like your tone. She can’t work. Have some respect
What about Prostitution?
They are acting like behinds towards her. Respecting their elders isn’t their strong suit.
She shouldn't have screwed around with money for 86 years.
Yeah, who do they think they are?? Dave
She worked til 80. You don't know the details of what she has provided for her family. She also has leukemia which is exhausting and sometimes long term condition. A little Grace is often appropriate.
The comment section had better advice then George Kamel's 😂
It's not the first time.
George is a child with a communications degree
Next week Ramsey asks a 99 year old to work 100 hours per week and eat rice and beans
That guy was so cold! He didn't let her speak and kept talking over her! I didnt like the way they handled this. Total lack of empathy and sympathy
For older people, something for younger people to keep in mind they didn’t have access to information like we do today.
Right.
Yeah but spending money hasn’t changed. Remember living on less than you make has never changed
@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap
@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap
if I were her daughter, i'd say, get rid of the dog, and we'll help out.
Telling this elderly to get a job and then proceeding to lecture her on how she should have prepared for retirement is crazy and impractical.
The way George blames her for her situation is actually wild and downright evil. EVIL.
She is entirely to blame.
She hasn't asked for help from daughter.
She got a pet that will automatically add expense to a lifestyle
She worked as a pharmacy tech for decades without planning seriously for the future. She should have made different choices and now she's facing thr consequences. You are too delusional and soft
@@janelleg597 It is mathematically impossible for everyone to succeed in the modern economy. If everyone tried to follow the Ramsey plan, or any other prudent plan along the same lines, the entire economy would collapse. The entire system is propped up on people doing and buying things they can't afford to do. Once you understand that, and accept that a large majority of people are inevitably going to be in a bad place financially, you can start forming valid opinions.
Let's talk facts about her case. She has a paid off house, valued at ~200k. She has an income of ~$1200/mo. She's short by about $200/mo. She has family. This is an easy problem to solve without cruelty, or suggesting an 86 year old woman get a job, which, let's be real, is an imminent death sentence. Selling the house creates a $10k/yr income simply through investing in treasuries. Moving in with family reduces her spending and daily effort. It's really as simple as that. She doesn't need to go to her daughter begging for cash. Just moving in and sharing some expenses is all it takes.
@@janelleg597You forget that she has a paid off house and car?! Oh! And she has a luekemia for 21 years. Medical bill is no joke! If she has a choice, I'm pretty sure she will choose another disease over a luekemia.
George needs to get fired from this job. 86 yr old woman to get a part time job?
George, she can’t get a cheeper place to live! Too old to work! Leave her dog alone! Worst advise ever George!
As great as capitalism is - this call shows the negatives of it. 86 years old and should go and work?? Shame on both of these hosts
Stupid advice: Get a job at 86 years old!?!
"I'd rather see you eat than the dog"....what a shitty thing to say!
It's a great thing to say get rid of the frickn pet. She can't afford it
She's investing in the wrong roof
Telling an 86 year old to find a side hussle is cold, especially how you said it
George is literally all over the place and never actually helps.
This is the reason when Dave retires, its going to be really bad for the company. These hosts have no clue how to handle different types of calls and just give out robotic advice. I am pretty sure Dave would have handled the call in a different way.
He literally has 1 script and can't think outside that. The appropriate options should be either take in a student to rent a room, or take a loan from the daughter to be repaid by her estate afterwards, or leave the credit cards to recover their money from her estate. She has assets, they don't need to be liquidated now.
Besides getting SS, she should apply for food stamp benefits. That should add an extra 300.
Telling a frail 86 old person to look for a job is extremely rude and irresponsible.
Just like not saving for retirement
This is exactly why the show I’ll go downhill without Dave. No one has his talent and finesse
@@owencline6182 It's already past that. She cannot change her past.
@@jimmymcgill6778You’re correct, but some mistakes are unfixable. It’s not always fair, but many people effectively kill themselves because of their lifestyle choices between ages 20-70, financially or health-wise.
What fairly world do you live in?? 😮
Rude and irresponsible??
Dave says that all the time!!
Definitely detecting some bias here!!
This is the first time I completely disagree with what was said. Sometimes you have to think outside of your normal playbook and an 86 year old is outside the playbook.
How about rent a room or two
out of your house?
WOW. His lack of empathy. Single mom for decades. Sick. Work?!! Shes 86.
Single mom is her own doing. She said she worked until 80.
I never comment on Dave's videos, but I think this is the first time I've felt one of his personalities should actually be let go. That advice George have that elderly woman was HORRIBLE! Telling an 86 year old to get a job, in doing so in such a crass manner was absolutely terrible! If he didn't know how to help he should've just been honest and said that smh.
I am starting to think this is all a joke to him. He is playing with people's lives. He has no empathy, and likes to think he is a comedian.
George has been so off lately. No empathy at all. This was so hard to listen. They always recycle same advice to everyone...sell your house, car, get a job. Are you for real? She's 86. Think out of the box sometimes and give real advice like taking in roommates or something. Hoping she will be ok.
She’s 86. Run up the credit cards. Who cares. Just get the most out of your life
George is the dumbest member of the Ramsey team. He consistently gives terrible advice.
guess you wont be buyimg his book huh?
I WISH DAVE WAS THERE TO ANSWER THIS LADY .HEART BREAKING.
Me too, I hope Dave reviews the advice these two gave her....I don't think the hosts considered her age & having leukemia...I disagree with some of the advice they gave her. Dave if these hosts were wrong I hope you reach out to this caller, bless her heart😢💕🙏
My heart really goes out to this caller. She is in a desperate situation, and she was treated without compassion with the statement "We didn't set ourselves up for a bright future." Her situation isn't totally known, so she doesn't need judgement. She needs help surviving. She needs help getting connected to her local Senior Services through her county. She likely qualifies for many services at her age and with her health concerns. Services such as food stamps, home energy assistance, legal rights services, meals on wheels, homestead water rate discount, etc. There are senior housing programs too. Maybe she could be paired with a vetted roommate who will not only pay rent, but help around the house too. Before my mom passed, she qualified for many services through our local counsel on aging. They were a huge help. The advice given on this call wasn't helpful at all.
At 86, the last thing I'd be thinking about is debt
Yeah, why’s she worried about her credit score?
Exactly. What are they going to do, trying to put a lean on the house? Chances are they won't even start seriously hounding her fpr the debt before she's dead
Do you ever worry about it?
She needs her credit to make ends meet. If she stops paying she can’t charge anymore. I think renting out a room would be her best choice. Or doing online reviews of products. I know someone that probably makes a couple of hundred a month doing that. They mail her products, she uses them and reviews them. I don’t know any details of how to do that. But you could Google and maybe get more information. Her story breaks my heart. God bless her.
Kamel has no compassion and doesn't have a clue. He is one of the worst Ramsey personalities ( neck and neck with Ken).
I just saw an episode with the two of them, it was unbearable. The caller couldn't finish a sentence and didn't get any financial advice, just judgement for her life circumstances and no solutions to her money problem.
George needs to have a little compassion. What if this was your mom or grandma George? The way he handled this call was cringey. I wish Dave and/or Rachel had been there to talk to this lady.
George! I think you need a vacation! Telling 86 years old with health problems to go back to work! Are you kidding me? 🙄😒
George, thinking to himself "What would Dave say? Ah yes! Deliver pizza 80 hours a week, or do Uber! Eat rice and beans, beans and rice!"
George, SHE IS 86!!
George is a Ramsey Robot. All he does is regurgitate the baby steps. He does not have an original thought in his head, and when you combine that with his arrogance, you get calls like this where he is rude, dismissive, and completely lacking in empathy.
Yikes, George and Jade were the worst host combo to handle this call. That lady was in a tough situation but didn’t get very helpful advice.
I have a 95 year old friend. When she was about 90 the hospital tried to bully her into paying charges she knew were overcharges. They threatened her with destroying her credit. She said go ahead. I’m not buying a house, or a car. Not only that, she called Medicare and told on them. Long story short, when Medicare got finished with the three way conference call between her, and the hospital, the charges were dropped. The hospital never called again. This lady was a bookkeeper. They picked the wrong one.
Mr. George, co-host of the Dave Ramsey show, please do not treat elderly women like this. You handled her circumstance as if she was still in a strong able body rather than offering wisdom suited for her specific situation. May God bless this Women with the RIGHT advice and help.
That’s because these hosts are just repeating Dave’s talking points(the baby steps) they aren’t natural to this thing like Dave. They can’t adapt to individual situations.
I mean that's what you get when you have personalities who just regurgitate whatever Dave says. The mark of an educated professional is nuance. It's an excellent filter in this age where people online say whatever sounds good to them and then have the audacity to put themselves in a position to offer advice to people who need actual help from real professionals. To mislabel oneself as a professional is reckless at best.
@@Nonsense116 I could have given this woman so much better advice such as she shouldn't sell her house and buy another or move into a regular apartment. She needs to check into senior houseing that here in PA takes 33% of your income for rent, food stamps, check into Medicaid for any senior programs. I don't get health insurance through Medicaid, but I am on another program where they pay my medication co-pay and other things.
The problem is these two think about retirement from the vantage point of having a chunk of money in the bank for retirement while some of us never managed that. Although I do have some now. But there are programs out there that can help and they need to know about them as none of their advice was helpful.
Joe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.
@@LivMYlif3what the heck are they doing on the show then? And paid for? This show will tank post - Dave
The advice here is INSANE. It’s totally inappropriate for an 86 year-old woman. That existing credit card debt doesn’t matter. It just doesn’t. She doesn’t need to sell her house to pay it off. She needs to hold onto her house for dear life, as it’s protected under Florida law as her homestead. If she can get some help from her daughter, she can survive without increasing it. She should talk to a lawyer.
Florida is full of lawyers who specialize in issues that impact seniors, and full of lawyers who will provide her with free legal services and help her develop an actual plan. Selling her house, moving into an apartment and getting a job are NOT the best options.
And Ramsey Solutions should pull this video or add on to it to recommend that she seek professional help.
Typical. Run to lawyers to try and shirk your responsibility. And we wonder why our society is crumbling at a record pace. SOMEBODY HAS TO COVER THE COST OF HER SPENDING. I remember when people were honorable. A lot fewer lawyers were needed back then.
@@kleindropper No, my friend. When she dies, her house will be sold and her estate will have assets to pay off the debt. And your ignorance is exactly why she needs professional help - not input from grumpy strangers looking to judge.
@@erzabetf9544 I guess I've never needed professional help to pay my bills and likely never will. It's a wonder poor people need lawyers for basic things like paying bills LOL.
@@kleindropper Aren’t you lucky that you’ve never needed help? Yes, lucky. Because it’s obviously not your brains that have kept you solvent. 😂
And who's gonna pay that lawyer?😅
As a Mexican American family, all of us cousins (the grandchildren) send our grandparents groceries, lawn maintenence, pay the phone bill and if at any time they need something, we're there. My grandparents are in their 80s and this makes me so sad for this woman. It would take one phone call from my grandparents and their need is met.
Indeed ❤
Well, for all you know she was a terrible mother. I'm also curious how many cousins you have. Have you ever had to deal with an 80-something on your own? I have. It can destroy your life.
Yeah, us Americans kinda suck for many reasons. The "I got mine to hell with anyone else" mentality is one.
please your culture is toxic... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages
please your culture is ***** ... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages
It's one thing to tell a person having money trouble to not acquire another pet. It's another to tell someone to get rid of a pet they already have. Did you even listen George? She said the dog cost $180 for ONE month. She even clarified it was just one month. Not every month. She's 30k in debt. You think this dog is her biggest problem?
For many seniors a pet gives them purpose, a companion and a reason to get out of bed in the morning. George may as well have told her to unalive the dog and herself for as much empathy he showed. 🤨
I think they could have been a little kinder. Dave would have read the room and put on the kid gloves with her.
Yup. This is why I think the show will end when Dave leaves.
This is the worst advice any Ramsey personalities have ever given someone…
“I Know but we also didn’t set ourselves up for a bright future in retirement??” What a jerk!!!!
I know! "You're getting what you deserve...get a job despite your leukemia and get rid of your dog". Heartless!
Yeah, that sounded pretty bad. I could see saying this to someone that is 50 years old and still has time to motivate themselves to prepare for retirement. But at age 86, the horses have left the barn.
@@kensmith2796 Agreed. At age 86, the horses, cows, goats, and barn cats have bolted the barn. The caller needed advice, not judgment.
Zero compassion.. A jerk is an understatement!
Downgrading to a condo makes no sense. She will end up paying more after her property taxes get reset and HOA fees. Plus any profit she would get from the sale will be eaten up by realtors and other fees.