It’s almost like she sounds like she’s lying through her teeth. I can’t say that I like her because I don’t I don’t like Dave stance on this I don’t like he doesn’t feel like they could charge interest and I don’t like the fact that he makes it sound like it’s the parents fault, this couple was never going to pay them back and I don’t agree with how he is putting that out there I doubt if the parents other ones that are petty she sounds like she would be really petty herself
@@Black_Jesus3005 take it back this moment!!! Big screen TVs are important, a must I'd say, a necessity. I'd rather walk or be poor than not having a big screen TV. U bigot
actually her in laws are pretty stupid for giving someone a 10k loan without having her sign anything at all they legally don’t have to play em back at all
@@fellspilts3932 You can't be serious... it's their son, if they have to make him sign papers in order for him to honor his word with them then he's a pos.
Never had that option in life. I left well before 18...when things didnt work out calling anyone wasnt an option. Leave it all there and start walking, welcome to being homeless .That was over 40 yrs ago.
@@gordocarbo I left before I was 18 too. I waited tables and rented a room at 17 with 4 girls who were in college. Why did leaving early lead to homelessness for you?
The caller is a terrible person, if they had paid back $100 per month this loan would’ve been paid in full in less than the 10 years it’s been. Showing that they had ZERO intention of ever paying back the loan, and even worse wanted to shift the blame onto their family for asking for the money back… WOW.
I don't know about you but I expect more mature behavior from the older parents that loaned the money then from the young adults who accepted it. The older adults should have known better than to borrow money to their children.
I owed my ex father in law 2k for help when my ex and I bought a house. That debt bothered me for a long time. even after I ended up getting divorced and filing bankruptcy it bothered me. Well about 5 years later I was able to scrape up the money and paid him back with interest. It was the correct and moral thing to do. I felt better about myself and was able to sleep better so to speak. Even though we rarely saw eye to eye he accepted it graciously!
@@jamisojomaybe the wrongly assumed the son they raised had a conscience and wasn't lieing when he told them he would pay them back when he could afford it.
I didn't get a sense that it was completely clear that they were to pay them back.....which is a problem. There should be clarity as to whether the money is a gift or a loan before the money changes hands. I remembered when I was saving up for my first house my Sister/Bro-in-Law offered to lend me money for a down payment I thanked them and politely declined their offer. I would have paid them back certainly, but I don't like borrowing money from family. It's not worth it.
Selfish, both of them. That guy is not a man in my eyes having her call and not paying the $. My Dad woulda beat the stuffing out of me and taken me to court. 10 yrs!!! That says it all right there.
Yes. They basically put the temporary discomfort of paying back $10k over the potential of damaging their relationship with his parents. Clearly the parents haven't forgotten this and must have been hurt for years about it.
Not true at all. The caller said why... The in laws are very clingy. They want to follow the couple across the country and move into the same town. The inlaws have serious boundary issues. I have a friend who's wife's family has boundary issues. Adding to the problem is the wife's mother is a hardcore bible thumper and very very image conscious. She is also a ripping gossip. Anyway, during the construction of their new home, the in laws were there every day. After they moved in, during the decorating phase, mother in law basically decorated or at least tried to decorate the house the way SHE wanted it. My buddy had a heart to heart with his new wife. A decision was made. So the in laws made their daily run to the house and just like always, no knock or ring, just walk in. My buddy and his wife sit them down an tell them , they need their privacy and space. That there would be no more "just walking in"...And, if they wanted to come over, they had to call first. No more of this 'just coming by'....Naturally the in laws got very offended and protested......In laws took a LONG break. In the end it was healthy for the relationship. It all worked out.
Usually with these types of calls, the fault is on the in-laws/parents. Not the case this time. 10 yrs to pay off a loan with no interest is exceptionally generous. Pay up!!!
I was in debt to my great grandma for 3k when I was 18. She helped me buy a car since I needed one for college and told me to pay her back when it was convenient. It took a year to pay her off (I had serious health issues that year) but I just walked in with a check and surprised her one day when I came back from college on summer break. She never expected it back (which i didn't know) but she was very appreciative that I did that despite how difficult my year had been. Now compare that to my brother who has had a 3 year debt of 7k and refuses to make monthly payments to my great grandma. Pay off your family guys. Keep them updated about your personal situation and when to expect money as well. Makes them feel appreciated and helps to steady a relationship that is strained with debt.
Exactly! It shouldn’t be on them to come asking for their money. They are probably avoiding asking to not cause any awkwardness. The person who borrowed the money should be the one trying to return it.
And I don't think it's the in laws that get offended easily, it's really probably her. And I can think of 2 reasons why she doesn't want to have in laws around in the same town.
Lady, pay your in-laws. 10 years? Geez, you should take them to dinner, give them a check for 12K, apologize it took so long, thank them and pay for their dinner. You sound mad that they’re asking for their money back. Shame on you.
I wish Dave touched on the fact that she and her husband keep going into debt for luxury items, indicating they probably never planned on paying the money back. This girl is just as much “in the wrong” as her in-laws. It has been 10 years, lady. Be accountable.
This woman is over here sounding like a victim when the in laws are the actual victims. Borrowed 10k ten years ago with no interest and you make 150k a year and cant pay them back?? 🤔
Want to bet there’s a long list of holidays in foreign countries, expensive restaurants etc. Un-f....ing believable the unmitigated gall of some people. You’re a doctor and can’t pay back 10 grand in 10 f...... years. TOTAL disrespect for parents.
That money is depreciated, not worth what it was when they borrowed it, and they “can’t pay it” on their income. Shame on both of them, but specially the son!
@@cosmiccoffee8497 That's not the reason not to pay them back first. They trusted you and helped out when needed. You need to man/woman up and pay back.
@@darthfrancium1166 no, he was just convincing her to do the right thing. If you can enter in the callers mindset, and placate to her sensibilities, she is more likely to listen.. if he would have completely called her out, she would have just been mad.
anthony says: loans within the family are worse that owing the bank money, because it creates drama. Caller giggles "knowingly". Same caller: In-laws gave us the money 10 years ago, saw us getting jobs, buying homes and fancy new cars - and we did not even try to pay back, nor did we ever bring up the issue. Same caller: We do not want them to move into the same _town._ (but she is comfortable having and not returning their money, she just can't stand to have them nearby). Now the in laws may be unpleasant or overbearing. She calls them easily "offended". Well not when it came to money, it clearly is the first time they asked for getting the money back.
Your husband got out of medical school ten years ago and you can’t pay back $10k in 10 years? Sell the car and pay them back . Also you didn’t recently offend them and they decided they wanted it back . They already wanted it back but decided to say it because you offended them .
My guess is the in laws got tired of watching their foolishness. 30,000+ on a car says to me this is a nice, new car. Two medical degrees making almost no money (for doctors), student debt, new cars, unpaid loans to parents, etc. I don’t blame them for calling in the note. Edit: I’m not solid on how many degrees came out of school but there is at least one.
I was a premed student, but dropped out after I sat down one day and did the math. The numbers were not good and I decided to go another way. It was the right decision.
@@fauxbro1983 when you help someone with conditions, that it's not help, but you pretty much expect them the be bought. If you want to help, you do it without expecting anything in return.
The parents are offended that they make 150k a year, continue to waste money, and haven't repaid a penny in TEN years. Then they are told not to move to their city. Possibly the in-laws wanted to be closer to grandkids. The loser caller probably visits never. And probably won't repay the debt either.
@Dementia Joe Listen to Dave, follow his steps. Dave clearly says (many, many times) as long as your vehicles do not exceed 50% of your annual income you are ok. They are at about 23%, their 30k vehicle loan is NOT the problem
@Dementia Joe that is going forward. If you already bought a car then you pay it off as part of the debt snowball if it is less then 50% of your income. That is what Dave says, listen to his advice, don't make up your own rules and do Dave'ish
Totally agree with the comments on this one. Could you imagine being the in laws and seeing them roll up in a nice car with no intention of paying you back after 10 years? My god
She doesn't need to, Dave actually already said it. Legally, that is no loan. It would though be nice and advisable to pay if she wants the relation to his family to be somehow cordial.
@@potocatepetlIdk what show you were watching. He clearly said it was a loan and she needs to pay it back. Not that it was a gift and it’d be nice if she paid it back.
that happens when you have no clear understanding. "Pay it when you can" means different things for different people. For some means paying it when you are completely out of debt and in addition have 50k+ in the account, for others means paying a sum every month, for other prioritising the debt to family before buying expensive cars, etc. That is why you make clear understandings, in writing, no matter who you are landing money!
Something about that caller rubs me the wrong way. I’m not surprised at all if she now holds the grand kids hostage and does not allow the kids to see their grandparents
@@bryces2898 Shameful. I wouldn’t want her blood coursing through my grandchildren’s veins. And she would raise them poorly, too. Son did not choose well.
Way to frame to make them look as worse as possible. The in laws are probably just really annoying. But yes, they should’ve BEEN paid them back and there’s no excuse for that. 2 things can be true at once.
Unbelievable. I borrowed $8k years ago from family so I could pay cash for a used car when we had our kid, only made around 35k a year at that time, they also said pay us back when you have the money, so I budgeted hard and paid them $500/month and had it paid off in just over a year. These people took major advantage of their family
I did exactly the same myself. Borrowed 10k from my sister, who said no rush with paying it back. I was earning €35k annually and cut spending to almost zero so I could pay her back within 6 months. She didn’t need it, but I was so grateful to get it and wanted her to know that, and paying it back was my top priority. This caller turned a kind act on its head with her selfishness, what a fool.
Exactly right. I loaned my brother 10k to help with deposit for a house (so his mortgage was lower), he paid me back 5k already, wants to pay 4k by the end of this year and is talking about paying my interest (I told him to forget about it, but he's insisting). And yes, I did the same, I said pay me when you can, but I knew he'd pay me back. I always did when he helped me before.
Who wouldn't be easily offended after showing someone such a huge gesture of good will, and not having it repaid within a reasonable amount of time... These people need to learn about mindfulness.
My dad co-signed on a private student loan for me, and I made that my FIRST priority to repay recently, I wanted it out of my life so my dad would no longer be on the hook for my debt.
I still cannot comprehend how people making $150k a year can end up in crazy amounts of debt... I make a fraction of that and can manage my money better.
Caller: “our in laws who gave us a $10k interest free loan TEN YEARS AGO get easily offended” Also caller: “we told them don’t you dare live in the same town as us” I feel bad for the in laws in this situation and guarantee her husband is a spineless push over. This was an incredibly infuriating call to listen to.
seriously it's clear the caller just doesn't really consider other people's perspectives, i wouldn't be surprised if her saying they get easily offended is really her just being blatantly rude to them.
@@xboxman5ifyWell I would also be on edge if I loaned 10k and would see them get a freaking 30k car instead of paying me back cause "whenever you can" is literally BEFORE YOU CAN GET A CAR that expensive.
Imagine being the in-laws listening to this call. "Ummm yeah I have $136k in debt but I don't consider the $10k from my family as debt, but I also have $10k in my checking account". Good luck to the in-laws.
It’s painful to listen to these. If my in-laws loaned me $10k, and a decade later they are still waiting on those funds while being told, ‘no don’t live near us,’ I’d understand if they disowned me.
Wait! Wait! You get $10K from your in-laws and then turn around 10 yrs later and tell them where they can't move to??? She didn't say that her in-laws wanted to move into their house. She said that they wanted to move to the same city! And the best complaint she could come up with was that they're easily offended. Huh? I know that we're only hearing from the wife, but her and her husband sound like extremely entitled clowns!
A loan from friend of family that says "pay us back whenever" is something that you should be grateful about and try to pay back ASAP. For this caller, they have made/spent probably over 1MM during that period of time and do not realize how that could potentially upset the person who loaned you the money (with no interest, based on trust). And she's calling here thinking how dare they are asking for their money back now.
My mother insisted on lending me money 30 years ago for a safe car, as opposed to the beater I was driving. I took it, but I didn't spend one thin dime on anything else until I'd paid her back -- early and with interest. Ten years is ridiculous. They never intended to pay the loan back. I know people like this. Won't have anything to do with them.
True. And there is more to this story. I have a feeling that they have shown their ungrateful nature so the parents demanded to have their money back. Goodness, ten years and with no interest.
@@whatevergoesforme5129 exactly. They make $150k a year and can’t pay back $10k over course of 10 years. Bet they have the newest iPhones and drive a luxury car
@@jasonzheng5839 they obvioulsy cant when you need money after coming out of medical school and need money you know how good with money you are She also said she has 6k in debts not 150 so i doubt they will ever pay back the car or when they have they will get another one
@@zayt8637 and get offended if you ask them about the $. I once had to tell a relative the I “really needed” the money back for them to understand that they needed to pay me back.
Have you been to a hospital or doctors office lately? Bunch of them act like they are on a sitcom. Cracking jokes and their attention is mostly on their social lives.
I cut communication with my 2 brother in laws for this reason. They took advantage of my kindness. Im glad i dont have to see them again though, it was worth it since they are horrible people.
$10,000 interest free for 10 years, and she doesn't even want to pay it back. Relatives are often creep. In the past, I refused to lend to someone, also $10,000. Glad I didn't do it!
Yaaasss! If they paid them back at $100 month they would have been clear in less than 10 years!! She thinks she's slick. Wonder how her husband justifies not paying back his parents. It takes two.
My father wanted to distribute his funds to his children with the understanding that the money would be returned if he needed it. I told him point blank, he will never see his money again if he gives it away. Consequently, he kept and used his funds untill he died at age 101. After he died, I distributed his funds to my siblings.
Dave, you have to be on the in laws side here. The audacity these people have to feel like they don’t have to pay this loan back is insane. It’s been 10 years, I’d be upset too. Granted they should have had it in a written agreement, these people should have the decency to pay back as soon as possible. Let’s remember, it was an extremely kind gesture. These guys make good money. Then to call into your show and ask about it? Pay them back losers.
Dave isn't on anyone's side. He sided with the in-laws in regards to repaying the loan. He also sided with her in that they she can repay it on her terms and that they can't use the debt as a cudgel. Seems fair to me honestly.
@@jorgedasilva7665 I understand but from my perspective, if family loaned me 10k a decade ago, they would take precedence over everything else in the debt snowball. In laws resentment has already grown and it could reach a point of no return if they kick the can down the road even longer. These people don’t seem like the type of people to put their hedonistic lifestyle aside and save for a month or two. If they have a household income of $150k and they have $10k to their name that says something
They want their money back because they see their son and is wife living high on the hog while ignoring their (probably retired) parents, and being bad financial managers. They are not being punished, they are being asked to pay back money they borrowed.
“How much debt do you have?” $6000 “ok so you have this $6k plus the $10” And a car payment of $30k “Ok so $46k so -“ And student loans Dave was about to explode 🤯 😂
sooo deceitful and manipulative. The husband of this chick needs to have the come to Jesus talk with her and say divorce is eminent unless you grow up and become respectful and responsible partner in our marriage and in my life.
She sounds so incredulous that they want what was obviously a loan to be paid back. Clearly she thought Dave would be sympathetic, and that combined with a huge student debt load (even a decade later) with a 150k combined income leads me to believe these two are not very smart.
Parents’ side here. With that much debt, Sarah and hubby should have bought a less expensive used car rather than a new car with interest and a payment. They did not treat her in-laws with much respect or appreciation. Things would have been much better had they chose to pay the family rather than choose ALL that other stuff over them. It is offensive to repeatedly choose whatever was chosen when racking up the CC debt. I choose a vacation rather than pay you. I choose shoes I don’t need rather than you. I choose new (whatever) rather than you. There will be much less offense when the debt is paid.
PAY UR FAMILY BACK!!! It’s the 2nd smallest. Just knock it out, and tell them thank you and show gratitude with each payment. They will be proud of u for doing so.
My daughter is a motivated hard working adult. She fell into a hard financial situation. I won’t go into detail but a lot of things contributed. She was mortified to have to ask me for help. I have plenty of resources and there is no way I’m going to sit back and watch her and her family struggle. I told her she is going to get my money someday anyway and now I get to see some of it helping them while I’m still here. And guess what, now her and my son in law are back on their feet. My help made a difference. Gives me much joy.
I told a friend the other day that was talking about combining money to do something. I instinctively said, "Money plus Friends now, Equals no friends and no money later. I'd rather stay friends." We're both good honest guys. I just steer clear of those arrangements.
Oh the entitlement :( I feel sorry for her in-laws, it sounds like they want to be close to family. You don't decide where others choose to move to but you CAN place/reinforce healthy boundaries if there's overstepping. Have a heart, pay them back as they rightly deserve x
She called wanting an ally..she wanted to be told "well how dare his parents not love their child enough to just cancel the debt, that is what parents are for to help their children." Essentially the attitude of many adult children today. I had a situation where my daughter expected my husband (her stepfather since she was 8...her father had died the year before)and I to move with her every time she was transferred in her 30yr military career as a pilot! She wanted a free babysitter...me. Yet she said I had not been a good enough mother to her. Does that make any kind of sense rationally? Someone thinks they had a bad parent and now want to inflict that on their children and they get furious over and over when told no, we cannot move every three years to do that . Finally about the fourth move when she asked that I asked her, "Do any OTHER military parents, a couple not living with their adult child, move every three years so the grandmother can take care of the children..ANYONE you know?" She said nothing.
I grew up military and then married a military guy. I don’t know of a single instance of parents moving with their adult military children. And I’ve known a lot of pilots over the years and can’t imagine someone who can fly a jet but can’t figure out their own child care. You did nothing wrong.
10 years since graduating “medical school” (no way they graduated actual medical school 10 years ago and only making $150k) and borrowing money for $30k cars? They are rude af and should’ve paid this $10k long ago
How are you so sure? Residency + Fellowship COULD be in the ten-year range, and the salary is in the right ballpark for a doctor completing a fellowship.
You'll never know the figures she gave are accurate. Also Raleigh is very expensive, big houses, fancy cars. No telling what the mortgage is. Ramsey didn't ask, she didn't offer that debt info.
This happened to me time and time again with family members. Lost so much to "loans" to siblings that never attempted to pay it back. Never do this or if you do, just write it off as a gift.
This call really took a turn as it went on. At first I thought the in laws seemed super petty in trying to punish them to get their way. But as it went along and you factor that they’ve had ten years to pay it back and haven’t done so and that the way they offended them was telling them they didn’t want them to live in the same city as them was definitely a whiplash. I’d be offended too if you were happy to take my $10,000, wait ten years to not pay it back to me nor have any sense of urgency to pay it to me but then tell me I can’t live in the same city as you. Not next door to you the same city for god sake. Wowza
Sarah, Sarah, Sarah ... honestly - the in laws want it back because they see you mismanaging your money - probably living large with >100k of debt and an expensive car. They don’t want them to live in the same city!!!! Good Lord, Sarah!!
I was 20 years old when I got my first car, a 1995 Ford Contour that had a bad tranny (wouldn't let me go over 65 without the entire thing shuddering as I drove it). It was given to me by my aunt who only asked for $250. I only had $20 on hand (I didn't have a job at the time but I was looking for one). She accepted it as a down payment and said, "Oh, you can pay back the rest whenever." Six months later, I got my first job out of highschool that wasn't working for family for basically spare change. My first paycheck, I took the remainder of the balance of the car and drove out to my aunt's place. My uncle was shocked that I had the rest of the money on hand, I don't think that they actually expected to get the rest of the money. Since then, they're one of the few couples I'm related too that actually genuinely like me beyond the "Oh I'm related to this guy." Moral of the story: if you at least attempt to pay back your family, even if not a ton, people appreciate it and in many ways can strengthen your relationship with them.
I love how family calls crying for cash. you give them a loan, and then they try to stiff you! No regard for you or your well being. They burrowed FOR A VACATION!!! Took forever to get the cash back. Had to threaten court.
she said they get offended easily, I don't think that ever applies if you owe them 10k with no intention of paying back, that's one big thing to be offended by
That's the part that got me. Yeah its majorly offensive to act like my loan is a gift and instead of paying it back, you drive a acr thay costs 5 times that amount. This caller doesn't realize how bad she sounds
@@choreomaniac if someone was a big enough pain in the butt that I had to tell them not to move to my town... then I definitely need to say it. Maybe both couples have a difficult time with boundaries and that is why this is happening. If you have healthy boundaries that protect you from people treating you poorly this would have been resolved long before needing to tell them not to move near you.
Many years ago we borrowed money from our in-laws early in our marriage. We drew up paperwork acknowledging the loan and detailed an aggressive repayment plan. We paid it off early and there was never an issue (oh and we paid them interest!) Now we are in the position where we can do the same thing for our kids.
wow, breaks my heart to see people dishonoring their parents like that. Regardless of the parent's behavior. And then telling them don't move to our town. Ouchh. They should pay the parents back first and deal with wtvr consequences should arise, but hopefully, they pray the Lord in His grace and mercy, will correct that bad behaviour. ..:(
This is why you should never lend money to family, relatives or friends. Most of them have no urgency or intention to pay back! The second you ask for your money back; they acts like you are the worse person on this planet. People are ungrateful and entitled nowadays!!! I’m one of those idiots; and I’m still waiting for my sister to pay me back that $50k she borrowed. 😕
$50 is too much. For lending an amount like that, you need to sign serious documents. It was a big mistake on your part, no offense. I can sense you are a very good human being that wanted to help your family
I hear a lot of entitlement and lack of gratitude in the callers voice
Yea like the In Laws can be mistaken for an ATM ! Wish the In Laws could be on another phone joining the conversation !
@@ag4allgood
X-2
Yep
It’s almost like she sounds like she’s lying through her teeth. I can’t say that I like her because I don’t
I don’t like Dave stance on this I don’t like he doesn’t feel like they could charge interest and I don’t like the fact that he makes it sound like it’s the parents fault, this couple was never going to pay them back and I don’t agree with how he is putting that out there I doubt if the parents other ones that are petty she sounds like she would be really petty herself
Russel … spot on
"They loaned us $10k but we don't have it." - "How much do you have in your checking account?" - "$10k"
My thoughts exactly, shame!
They bought big screen TVs and electronics 👀
@@Black_Jesus3005 take it back this moment!!! Big screen TVs are important, a must I'd say, a necessity. I'd rather walk or be poor than not having a big screen TV. U bigot
RIGHT!
That's an emergency fund prolly
What an entitled brat. “My in-laws actually expect me to pay back a loan, it’s just so unfair!” Wow
actually her in laws are pretty stupid for giving someone a 10k loan without having her sign anything at all they legally don’t have to play em back at all
Exactly! Totally agree with you!
If you have to have a legal agreement drafted up when your parents lend you money to help out I think that speaks for itself 👍🏼
@@fellspilts3932 You can't be serious... it's their son, if they have to make him sign papers in order for him to honor his word with them then he's a pos.
Zsa Zsa
I would be mortified if my husband and I owed one of our parents money for 10 years🥴.
Absolutely MORTIFIED. 😮
@@caseyhill636😂😂😂
Never had that option in life. I left well before 18...when things didnt work out calling anyone wasnt an option. Leave it all there and start walking, welcome to being homeless .That was over 40 yrs ago.
@@gordocarbo I left before I was 18 too. I waited tables and rented a room at 17 with 4 girls who were in college. Why did leaving early lead to homelessness for you?
The caller is a terrible person, if they had paid back $100 per month this loan would’ve been paid in full in less than the 10 years it’s been. Showing that they had ZERO intention of ever paying back the loan, and even worse wanted to shift the blame onto their family for asking for the money back… WOW.
I don't know about you but I expect more mature behavior from the older parents that loaned the money then from the young adults who accepted it. The older adults should have known better than to borrow money to their children.
@jamisojo... I disagree.
They are not, nor were they, children.
I was thinking the same thing, $100 a month and it’s done.
I owed my ex father in law 2k for help when my ex and I bought a house. That debt bothered me for a long time. even after I ended up getting divorced and filing bankruptcy it bothered me. Well about 5 years later I was able to scrape up the money and paid him back with interest. It was the correct and moral thing to do. I felt better about myself and was able to sleep better so to speak. Even though we rarely saw eye to eye he accepted it graciously!
@@jamisojomaybe the wrongly assumed the son they raised had a conscience and wasn't lieing when he told them he would pay them back when he could afford it.
Wow, 10 years. I don't think they ever intended to pay them back. Leasing a car was proof of that.
yep. if you loan money to family its as good as gone..
Leasing/buying that car was like a slap in the face.
Exactly. Making $150k? They should be able to pay that back in a year.
I didn't get a sense that it was completely clear that they were to pay them back.....which is a problem. There should be clarity as to whether the money is a gift or a loan before the money changes hands. I remembered when I was saving up for my first house my Sister/Bro-in-Law offered to lend me money for a down payment I thanked them and politely declined their offer. I would have paid them back certainly, but I don't like borrowing money from family. It's not worth it.
@@dev_with_me Not with all of the debt they have.
THEY get offended easily??? I have a feeling it's the other way around.
I agree
The borrower always thinks that the lender is offended when they don't pay back the lender's money.
I totally agree
The one that’s offended is the one calling the show the in-laws just got tired of waiting for their $10k.
This caller is awful
She can spend $10K like It’s nothing, but paying it back is insurmountable.
In my opinion, you have said it perfectly.
@@DougAlesUSA Thank you, kind sir.
Unfortunately, this is the logic of most people
@@0mnilegacy Idk if it’s logic, but it’s definitely something, and I agree it’s most people. Attitude or mindset maybe.
You called me out with this one. 😂😂
I'm so glad Dave interrupted her and showed her how crappy her mindset is by telling her it was a LOAN, not a GIFT.
Selfish, both of them. That guy is not a man in my eyes having her call and not paying the $. My Dad woulda beat the stuffing out of me and taken me to court.
10 yrs!!! That says it all right there.
When did she say it was a gift?? She never said that.
@@Alexian9that was the first thing she said!
She just doesn’t want to pay it back. Wow!
10 years is way too long to repay a loan. She's ridiculous.
disgusting
she can't repay a loan because of a FRAT boy
and looking for a way not to repay
Just another one of those "little" things they get easily offended by
The parents are requesting it back because they see how badly they manage their money and how ungrateful they were not offering to pay it back.
My thoughts exactly
Yes. They basically put the temporary discomfort of paying back $10k over the potential of damaging their relationship with his parents. Clearly the parents haven't forgotten this and must have been hurt for years about it.
Why are they getting 30+ grand cars when they owe money to family?
@@channell11 My thoughts exactly. They make decent money there’s no excuse
Not true at all.
The caller said why...
The in laws are very clingy. They want to follow the couple across the country and move into the same town.
The inlaws have serious boundary issues.
I have a friend who's wife's family has boundary issues. Adding to the problem is the wife's mother is a hardcore bible thumper and very very image conscious. She is also a ripping gossip.
Anyway, during the construction of their new home, the in laws were there every day. After they moved in, during the decorating phase, mother in law basically decorated or at least tried to decorate the house the way SHE wanted it.
My buddy had a heart to heart with his new wife. A decision was made.
So the in laws made their daily run to the house and just like always, no knock or ring, just walk in.
My buddy and his wife sit them down an tell them , they need their privacy and space. That there would be no more "just walking in"...And, if they wanted to come over, they had to call first. No more of this 'just coming by'....Naturally the in laws got very offended and protested......In laws took a LONG break.
In the end it was healthy for the relationship. It all worked out.
Usually with these types of calls, the fault is on the in-laws/parents. Not the case this time. 10 yrs to pay off a loan with no interest is exceptionally generous. Pay up!!!
@(The Ramsey show - Highlights)
You scammers have nothing else better to do?
exactly 1000 a year wouldn't have hurt nothing.
@@BetYouHateMeNow more like 2.73 dollars a day. Lol
Marquest Anderson yeah like you’ve been working for a decade now, how do you not have $10k somewhere?
@@marquestanderson1388 LOL yup: that’s your cup of morning coffee, and it’s paid off!
I was in debt to my great grandma for 3k when I was 18. She helped me buy a car since I needed one for college and told me to pay her back when it was convenient. It took a year to pay her off (I had serious health issues that year) but I just walked in with a check and surprised her one day when I came back from college on summer break. She never expected it back (which i didn't know) but she was very appreciative that I did that despite how difficult my year had been. Now compare that to my brother who has had a 3 year debt of 7k and refuses to make monthly payments to my great grandma.
Pay off your family guys. Keep them updated about your personal situation and when to expect money as well. Makes them feel appreciated and helps to steady a relationship that is strained with debt.
Yes, be this person. Family is important. Don’t mistreat them financially because you are young. Elder need their funding too.
Exactly! It shouldn’t be on them to come asking for their money. They are probably avoiding asking to not cause any awkwardness. The person who borrowed the money should be the one trying to return it.
I feel so sorry for the parents who gave this loan.
And I don't think it's the in laws that get offended easily, it's really probably her. And I can think of 2 reasons why she doesn't want to have in laws around in the same town.
When she realizes that LOAN does not mean GIFT 😂
Unbelievable.
there is no money in america right now
she alrready knew that
she knew it was not a gift and said so from the beginning. It just was never a priority
Yes, her responses said it all.
I don’t understand people not paying family back and just taking advantage of their generosity. Especially with an income of $150k
When they asked her debt and she didn't include her inlaws is a big clue shes not paying it back
Yeah it's insulting them
to see them making that much and still not paying them back.
Then they should have had a written agreement.
@@deanalbertson7203 it’s tricky when people are just trying to be nice and friendly though. But I do agree with you
@@thoughtswordactionbeta6959 not really - she didn’t include her car payment or student loan either. She just sounds financially clueless.
"We don't have the money to pay them back" literally has the exact amount sitting in their bank account
Except they never talked about how much the mortgage payment is. Could be $5k/month depending on where they live.
@@username00009 then that just makes them even worse kids for buying too much house when they owe money, sell and buy a smaller house.
@@username00009 they live in North Carolina. It’s not that expensive
True but rarely can someone empty their checking account for an unexpected bill. They still have a mortgage, light bill, car payment, groceries, etc.
@@euenfheiejrj believe me… Raleigh is expensive AND def big houses down there
Lady, pay your in-laws. 10 years? Geez, you should take them to dinner, give them a check for 12K, apologize it took so long, thank them and pay for their dinner. You sound mad that they’re asking for their money back. Shame on you.
Give them more like 20k. The market has been going gangbusters.
With inflation, that money has lost a lot of value
I wish Dave touched on the fact that she and her husband keep going into debt for luxury items, indicating they probably never planned on paying the money back. This girl is just as much “in the wrong” as her in-laws.
It has been 10 years, lady. Be accountable.
I think it's more her than him. A reason why she doesn't want in laws around to see how she burns thru money.
This woman is over here sounding like a victim when the in laws are the actual victims. Borrowed 10k ten years ago with no interest and you make 150k a year and cant pay them back?? 🤔
Worse for her husband. Like that is your parents. Why are you taking advantage of them?
And not even one penny. Its just sad and pathetic.
Want to bet there’s a long list of holidays in foreign countries, expensive restaurants etc.
Un-f....ing believable the unmitigated gall of some people. You’re a doctor and can’t pay back 10 grand in 10 f...... years. TOTAL disrespect for parents.
@@carpediem6431 BINGO
That money is depreciated, not worth what it was when they borrowed it, and they “can’t pay it” on their income. Shame on both of them, but specially the son!
Always pay back family and friends first.
Family and friends typically can't garnish your wages.
Exacly take of those who believe in you when you had nothing to back you up
Wrong ! Dond borrow from them in first place.
@@cosmiccoffee8497 That's not the reason not to pay them back first. They trusted you and helped out when needed. You need to man/woman up and pay back.
LITERALLY.
Who borrows $10k and never intends to pay it back? Caller was hoping Dave would be on her side lol
Sad part is Dave kind of was.
@@darthfrancium1166 no, he was just convincing her to do the right thing. If you can enter in the callers mindset, and placate to her sensibilities, she is more likely to listen.. if he would have completely called her out, she would have just been mad.
“Gave us 10k”
@@melanieb2132 Dave wasn’t “convincing” - he helped the caller identify her correct debt snowball payoff order according to his rules.
@@username00009 yeah, AO disrupted his flow. He should have laid into her more.
There's so much there that's wrong
anthony says: loans within the family are worse that owing the bank money, because it creates drama. Caller giggles "knowingly". Same caller: In-laws gave us the money 10 years ago, saw us getting jobs, buying homes and fancy new cars - and we did not even try to pay back, nor did we ever bring up the issue. Same caller: We do not want them to move into the same _town._ (but she is comfortable having and not returning their money, she just can't stand to have them nearby). Now the in laws may be unpleasant or overbearing. She calls them easily "offended". Well not when it came to money, it clearly is the first time they asked for getting the money back.
I noticed it was the daaughter-in-law that called in, and not the son. There's more to this story, especiallly after 10 years.
Yup snd she says a lot of "we" even about medical school.
@@ecclairmayo4153 I assumed they were both doctors but I guess if they only make $150k you;re right it's only him.
Your husband got out of medical school ten years ago and you can’t pay back $10k in 10 years? Sell the car and pay them back . Also you didn’t recently offend them and they decided they wanted it back . They already wanted it back but decided to say it because you offended them .
This
Great comment 👌
Car is a lease
They will not tolerate your insolence! Rightfully so, I’d say.
Exactly!!
They didn't pay the in-laws but they bought a car? WTH.
Yep. It’s wrong to indulge in luxuries when you owe people money. It’s like spitting in their faces.
They probably bought the car to drive to work.
@@deanalbertson7203 a 2k Toyota Corolla can get anyone to work
@@alison4610 I would rather drive a safe and reliable car to work.
Disgusting behaviour.
They got a car and went $30k in debt but didn't bother to pay back the loan first. They don't deserve those in-laws.
On top of that they bought a house with a mortgage with 100k in student loan debt.
@@TheLivedeath And what bank would do that??????
30000 for a car😮 whats wrong with a 10000 car
That family needs a awakening. You have 10k in the bank and you tell them you can’t pay them? You CAN, you just chose not to
She has more than ten thousand in the bank.
Anthony: "Dave, I got this." He saw it coming. 🤣🤣🤣
My guess is the in laws got tired of watching their foolishness. 30,000+ on a car says to me this is a nice, new car. Two medical degrees making almost no money (for doctors), student debt, new cars, unpaid loans to parents, etc. I don’t blame them for calling in the note.
Edit: I’m not solid on how many degrees came out of school but there is at least one.
I agree
That “we” sounded like a wife who thinks her husband’s medical degree is half hers. Lol
@@genxx2724 lol I thought the same the 150k gave it away
I was a premed student, but dropped out after I sat down one day and did the math. The numbers were not good and I decided to go another way. It was the right decision.
Exactly I’m so confused. I’m no doctor but I have many family members that are. They make so much more.
This poor girl sounds so ridiculous. I dont think she understands. Also dave it's been 10 years they need to pay them back asap.
poor girl? u mean this manipulative grown woman who uses people around her to get whay she wants?
She has no clue!!
why do we call ignorant people by choice poor?
Should be with interest if that was ten years ago.
Exactly!!!
You loan your kid 10k to help him out, and his petty wife doesn't want you around.
100% this, might as well add insecure as well
I wouldn't want them around either
@@ninamady5861why not? They were gracious enough to help out thier adult children. The mistake they made was not coming upbwith terms
@@fauxbro1983 when you help someone with conditions, that it's not help, but you pretty much expect them the be bought. If you want to help, you do it without expecting anything in return.
Worst case scenario is you daughter or son in law talks behind ur back.
The parents are offended that they make 150k a year, continue to waste money, and haven't repaid a penny in TEN years. Then they are told not to move to their city. Possibly the in-laws wanted to be closer to grandkids. The loser caller probably visits never. And probably won't repay the debt either.
Yep. Their son married a bratty entitled woman. The in laws sound like they want to move closer to help and be around their grandkids
First thing she said, they GAVE us $10K. They did NOT give it to you, they LOANED it to you.
If you’re driving a car with a $30K loan while you owe me $10K... I’m slashing those tires. No wonder they’re offended.
@Dementia Joe too much there.. she didn't even count her student loans as debt!!
@Dementia Joe They make 130k, a 30k loan on a car is not the problem.
@Dementia Joe Listen to Dave, follow his steps. Dave clearly says (many, many times) as long as your vehicles do not exceed 50% of your annual income you are ok. They are at about 23%, their 30k vehicle loan is NOT the problem
@Dementia Joe that is going forward. If you already bought a car then you pay it off as part of the debt snowball if it is less then 50% of your income. That is what Dave says, listen to his advice, don't make up your own rules and do Dave'ish
@@paulinoaz If they didn't owe the inlaws 10K it wouldn't be an issue.
Totally agree with the comments on this one. Could you imagine being the in laws and seeing them roll up in a nice car with no intention of paying you back after 10 years? My god
And being denied the opportunity to move closer to their grandkids.
And then they wonder why they are "easily offended"! THE AUDACITY! I bet this kind of behavior is why they are on edge
My sister did the same. I lent her 13k for her house and she didn't even needed it and used it to buy herself luxury.
She was wanting Dave to tell her she didn't need to pay the loan back.
Yes, looking for his approval.
How can doctors be this greedy lol?
Queenie!
She doesn't need to, Dave actually already said it. Legally, that is no loan. It would though be nice and advisable to pay if she wants the relation to his family to be somehow cordial.
@@potocatepetlIdk what show you were watching. He clearly said it was a loan and she needs to pay it back. Not that it was a gift and it’d be nice if she paid it back.
How dare she call in as if the parents are WRONG... 10 years later and THEY still have not paid😒
Well she was given that money to get help .they gave it to them ❤
that happens when you have no clear understanding. "Pay it when you can" means different things for different people. For some means paying it when you are completely out of debt and in addition have 50k+ in the account, for others means paying a sum every month, for other prioritising the debt to family before buying expensive cars, etc. That is why you make clear understandings, in writing, no matter who you are landing money!
Something about that caller rubs me the wrong way. I’m not surprised at all if she now holds the grand kids hostage and does not allow the kids to see their grandparents
There are multiple somethings about this caller 🚩🚩🚩
The grandparents probably gave up. The kids would probably be just as entitled as their parents
EXACTLY!!
She does seem a little bit flaky.
Seems like the parents of any sons have a tendency to be excluded from their children's lives. 😕
She is "slippery"in that she does not want to be reminded of the loan. The money was good enough when needed.
This caller makes me sick
@@bryces2898 Shameful. I wouldn’t want her blood coursing through my grandchildren’s veins. And she would raise them poorly, too. Son did not choose well.
this is the kind of woman who feels entitled to everything and feels everyone should support her dreams and lifestyle for free
🎯
Yep! I've seen way too many of them in my lifetime.
Anthony is like the big brother we all need before Papa Dave goes IN on us. 😂😂😂
Imagine your in-laws being good enough to loan you 10k, but not good enough to live in the same town. Self entitlement is real.
Ungrateful
They will learn , hopefully they get the same type of kids they are.
Way to frame to make them look as worse as possible. The in laws are probably just really annoying. But yes, they should’ve BEEN paid them back and there’s no excuse for that. 2 things can be true at once.
Anthony saved this lady from Uncle Dave chewing her out. 😂🤣
He sure did! He could feel Dave about to let her have it!
They way Dave slapped that desk 🤣, he was about to lay into her.
Love it 🤣. Anthony saved it.
2:08
Anthony ruined the fun.
I rewind this part of the video five times. 🤣🤣🤣
Unbelievable. I borrowed $8k years ago from family so I could pay cash for a used car when we had our kid, only made around 35k a year at that time, they also said pay us back when you have the money, so I budgeted hard and paid them $500/month and had it paid off in just over a year. These people took major advantage of their family
I did exactly the same myself. Borrowed 10k from my sister, who said no rush with paying it back. I was earning €35k annually and cut spending to almost zero so I could pay her back within 6 months. She didn’t need it, but I was so grateful to get it and wanted her to know that, and paying it back was my top priority. This caller turned a kind act on its head with her selfishness, what a fool.
You’re exactly right! Don’t understand how Dave could possibly say the in-laws are the bad guys. Really bad call on his part.
Excalty. We was in the same boat and was able to pay our loved ones back in our life within a year.
Exactly right. I loaned my brother 10k to help with deposit for a house (so his mortgage was lower), he paid me back 5k already, wants to pay 4k by the end of this year and is talking about paying my interest (I told him to forget about it, but he's insisting). And yes, I did the same, I said pay me when you can, but I knew he'd pay me back. I always did when he helped me before.
Who wouldn't be easily offended after showing someone such a huge gesture of good will, and not having it repaid within a reasonable amount of time...
These people need to learn about mindfulness.
has nothing to do with mindfulness...they just didnt want to pay it back
She sounds like the easily offended one. She wanted to cry when Dave asserted that it was a loan not a gift.
Yeah, that’s rude
My dad co-signed on a private student loan for me, and I made that my FIRST priority to repay recently, I wanted it out of my life so my dad would no longer be on the hook for my debt.
I get the feeling they are calling back the loan for good reason. That they aren’t the toxic ones.
I still cannot comprehend how people making $150k a year can end up in crazy amounts of debt... I make a fraction of that and can manage my money better.
It is not what you make, it is what you spend.
Spoiled and live beyond their means. It then catches up to them.....
Yup, same here. Unbelievable how they must be spending. This woman sounds so entitled, infuratingly so!
It's called keeping up with the Jones's.
Big house, big car, big taxes, student loans, overseas vacations, expensive restaurants...
Caller: “our in laws who gave us a $10k interest free loan TEN YEARS AGO get easily offended”
Also caller: “we told them don’t you dare live in the same town as us”
I feel bad for the in laws in this situation and guarantee her husband is a spineless push over. This was an incredibly infuriating call to listen to.
seriously it's clear the caller just doesn't really consider other people's perspectives, i wouldn't be surprised if her saying they get easily offended is really her just being blatantly rude to them.
The caller sounds like an immature 13 year old.
Wow ! Wow!!! I am speechless
@@xboxman5ifyWell I would also be on edge if I loaned 10k and would see them get a freaking 30k car instead of paying me back cause "whenever you can" is literally BEFORE YOU CAN GET A CAR that expensive.
Agreed!
Imagine being the in-laws listening to this call. "Ummm yeah I have $136k in debt but I don't consider the $10k from my family as debt, but I also have $10k in my checking account". Good luck to the in-laws.
Dave Ramsey handles things like a real stand-up man. Wish we had more figures like him around today.
It’s painful to listen to these. If my in-laws loaned me $10k, and a decade later they are still waiting on those funds while being told, ‘no don’t live near us,’ I’d understand if they disowned me.
10 years!?!? They were going to never pay them.
Also, they take money but don’t want to be near them? That’s ridiculous!
Not paying a loan back while driving a car that costs 5 times as much. Just another one of those "little" things they get easily offended by
@@ecclairmayo4153a smart person would never have that problem because they would never borrow money to anyone.
Wait! Wait! You get $10K from your in-laws and then turn around 10 yrs later and tell them where they can't move to??? She didn't say that her in-laws wanted to move into their house. She said that they wanted to move to the same city! And the best complaint she could come up with was that they're easily offended. Huh? I know that we're only hearing from the wife, but her and her husband sound like extremely entitled clowns!
Imagine being owed 10k by someone then watching them buy a 30k car 😂
@@cedrimarthat’s just what they still owe on the car. I bet the car actually cost more than that.
A loan from friend of family that says "pay us back whenever" is something that you should be grateful about and try to pay back ASAP. For this caller, they have made/spent probably over 1MM during that period of time and do not realize how that could potentially upset the person who loaned you the money (with no interest, based on trust). And she's calling here thinking how dare they are asking for their money back now.
I wonder how many vacations they’ve taken.
It's just another one of those "little" things they got offended by
Pay them back! Not only is it the right thing to do, but debt in the family is grounds for a bad time.
My mother insisted on lending me money 30 years ago for a safe car, as opposed to the beater I was driving. I took it, but I didn't spend one thin dime on anything else until I'd paid her back -- early and with interest. Ten years is ridiculous. They never intended to pay the loan back. I know people like this. Won't have anything to do with them.
They are pathetic with money. Trying to get sympathy from their “evil” in laws.
True. And there is more to this story. I have a feeling that they have shown their ungrateful nature so the parents demanded to have their money back. Goodness, ten years and with no interest.
@@whatevergoesforme5129 exactly. They make $150k a year and can’t pay back $10k over course of 10 years. Bet they have the newest iPhones and drive a luxury car
@@jasonzheng5839 they obvioulsy cant when you need money after coming out of medical school and need money you know how good with money you are
She also said she has 6k in debts not 150 so i doubt they will ever pay back the car or when they have they will get another one
@@philipmeisterl 150K a year. There is literally no excuse not to be able to pay off 10K. They probably spend that on leisure easily.
This is why you don’t loan money to people.
No lie people while cry in your face but when it comes to paying back they will hide
Especially family and friends
I loan exclusively to cows. If Bessie doesn't pay she gets milked.
Exactly!! If a bank won’t give you a loan, don’t expect one from me.
@@zayt8637 and get offended if you ask them about the $. I once had to tell a relative the I “really needed” the money back for them to understand that they needed to pay me back.
If she is a doctor then I am an astronaut.
Have you been to a hospital or doctors office lately? Bunch of them act like they are on a sitcom. Cracking jokes and their attention is mostly on their social lives.
You can be a doctor with a D+ average I believe
Rocket scientist here...
@Nathaniel Palmer they can still lack common sense with straight As
🤣🤣🤣🤣
I cut communication with my 2 brother in laws for this reason. They took advantage of my kindness. Im glad i dont have to see them again though, it was worth it since they are horrible people.
$10,000 interest free for 10 years, and she doesn't even want to pay it back. Relatives are often creep. In the past, I refused to lend to someone, also $10,000. Glad I didn't do it!
IT'S BEEN 10 YEARS!!!! PAY THEM BACK ALREADY
Does she see her own “pattern of behavior”of borrowing money and not paying it back? Smh. One thing she’s not lacking is THE AUDACITY.
Yes - 10 years and not giving even a small payment every month is irresponsible. These people don’t care.
Yaaasss! If they paid them back at $100 month they would have been clear in less than 10 years!! She thinks she's slick. Wonder how her husband justifies not paying back his parents. It takes two.
Just another one of those "little" things they are easily offended by, I'm sure.😂
What type of person gets a loan from family and then doesn't pay them back for 10 years!!! . . .these people are all messed up
The best advice I ever heard from Dave was to never loan family members money.
My father wanted to distribute his funds to his children with the understanding that the money would be returned if he needed it. I told him point blank, he will never see his money again if he gives it away. Consequently, he kept and used his funds untill he died at age 101. After he died, I distributed his funds to my siblings.
Why one earth would he expect to get it back?
Sounds like this girl can't be trusted at all.
Listening to this woman is painful and she said she’s in the medical field, scary
My thoughts exactly. I fear for all her patients.
I have met some world class surgeons who had no idea how to manage their money. Two different skills.
@@comment_account2343 True - there are many professionals like that. And scummy people often take advantage of them.
yeah. I think my blood pressure went up just by listening to this.
You can be a doctor with a D+ average I believe
Dave, you have to be on the in laws side here. The audacity these people have to feel like they don’t have to pay this loan back is insane. It’s been 10 years, I’d be upset too. Granted they should have had it in a written agreement, these people should have the decency to pay back as soon as possible. Let’s remember, it was an extremely kind gesture. These guys make good money. Then to call into your show and ask about it? Pay them back losers.
Dave isn't on anyone's side. He sided with the in-laws in regards to repaying the loan. He also sided with her in that they she can repay it on her terms and that they can't use the debt as a cudgel. Seems fair to me honestly.
@@jorgedasilva7665 I understand but from my perspective, if family loaned me 10k a decade ago, they would take precedence over everything else in the debt snowball. In laws resentment has already grown and it could reach a point of no return if they kick the can down the road even longer. These people don’t seem like the type of people to put their hedonistic lifestyle aside and save for a month or two. If they have a household income of $150k and they have $10k to their name that says something
@@jorgedasilva7665 Dave said the in laws are acting childish. They just want their bread. You gotta take care of your own man
Then she told them she doesn't want them to move anywhere near her after their extremely kind gesture!! GAH!! 😬
@@talyahr3302 agreed! I couldn’t believe that. Some people have zero awareness 🤦🏻🤣
They want their money back because they see their son and is wife living high on the hog while ignoring their (probably retired) parents, and being bad financial managers. They are not being punished, they are being asked to pay back money they borrowed.
That moment where you owe $130k and think you have $6k in debt 🤡
“How much debt do you have?”
$6000
“ok so you have this $6k plus the $10”
And a car payment of $30k
“Ok so $46k so -“
And student loans
Dave was about to explode 🤯 😂
sooo deceitful and manipulative. The husband of this chick needs to have the come to Jesus talk with her and say divorce is eminent unless you grow up and become respectful and responsible partner in our marriage and in my life.
borrowing money sucks
@@gemmster14 From hearing her and hesitation, figures could be not accurate and divorce, that could be very messy from hearing her,
And I feel like that STILL isn't the end of the story.
She sounds so incredulous that they want what was obviously a loan to be paid back. Clearly she thought Dave would be sympathetic, and that combined with a huge student debt load (even a decade later) with a 150k combined income leads me to believe these two are not very smart.
Parents’ side here. With that much debt, Sarah and hubby should have bought a less expensive used car rather than a new car with interest and a payment. They did not treat her in-laws with much respect or appreciation.
Things would have been much better had they chose to pay the family rather than choose ALL that other stuff over them.
It is offensive to repeatedly choose whatever was chosen when racking up the CC debt. I choose a vacation rather than pay you. I choose shoes I don’t need rather than you. I choose new (whatever) rather than you. There will be much less offense when the debt is paid.
PAY UR FAMILY BACK!!! It’s the 2nd smallest. Just knock it out, and tell them thank you and show gratitude with each payment. They will be proud of u for doing so.
Time for the parents to write them out of the will and move on....sad but necessary.
My daughter is a motivated hard working adult. She fell into a hard financial situation. I won’t go into detail but a lot of things contributed. She was mortified to have to ask me for help. I have plenty of resources and there is no way I’m going to sit back and watch her and her family struggle. I told her she is going to get my money someday anyway and now I get to see some of it helping them while I’m still here. And guess what, now her and my son in law are back on their feet. My help made a difference. Gives me much joy.
She clearly living the life and not paying them back until they reminded her.
I told a friend the other day that was talking about combining money to do something. I instinctively said, "Money plus Friends now, Equals no friends and no money later. I'd rather stay friends." We're both good honest guys. I just steer clear of those arrangements.
Oh the entitlement :( I feel sorry for her in-laws, it sounds like they want to be close to family. You don't decide where others choose to move to but you CAN place/reinforce healthy boundaries if there's overstepping. Have a heart, pay them back as they rightly deserve x
She started off by bragging and then broke the news to them piece by piece that she is actually drowning in debt 🤨
She called wanting an ally..she wanted to be told "well how dare his parents not love their child enough to just cancel the debt, that is what parents are for to help their children." Essentially the attitude of many adult children today.
I had a situation where my daughter expected my husband (her stepfather since she was 8...her father had died the year before)and I to move with her every time she was transferred in her 30yr military career as a pilot! She wanted a free babysitter...me. Yet she said I had not been a good enough mother to her.
Does that make any kind of sense rationally? Someone thinks they had a bad parent and now want to inflict that on their children and they get furious over and over when told no, we cannot move every three years to do that . Finally about the fourth move when she asked that I asked her, "Do any OTHER military parents, a couple not living with their adult child, move every three years so the grandmother can take care of the children..ANYONE you know?" She said nothing.
I grew up military and then married a military guy. I don’t know of a single instance of parents moving with their adult military children. And I’ve known a lot of pilots over the years and can’t imagine someone who can fly a jet but can’t figure out their own child care. You did nothing wrong.
This caller needs to reevaluate her values.
10 years since graduating “medical school” (no way they graduated actual medical school 10 years ago and only making $150k) and borrowing money for $30k cars? They are rude af and should’ve paid this $10k long ago
I bet its single salary for husband
She also could be lying. She comes off very deceptive.
How are you so sure? Residency + Fellowship COULD be in the ten-year range, and the salary is in the right ballpark for a doctor completing a fellowship.
@@username00009 irrelevant. You don’t get a $30k car when you owe someone $10k. Pay your debt first.
You'll never know the figures she gave are accurate. Also Raleigh is very expensive, big houses, fancy cars. No telling what the mortgage is. Ramsey didn't ask, she didn't offer that debt info.
If someone says "Pay me back". It means "Pay me back". People love to make a loan into a gift.
It was pretty ambiguous.
What are the terms of the deal?
None, except "pay it back someday". That is very unclear. Someday can always be tomorrow.
This happened to me time and time again with family members. Lost so much to "loans" to siblings that never attempted to pay it back. Never do this or if you do, just write it off as a gift.
This call really took a turn as it went on. At first I thought the in laws seemed super petty in trying to punish them to get their way. But as it went along and you factor that they’ve had ten years to pay it back and haven’t done so and that the way they offended them was telling them they didn’t want them to live in the same city as them was definitely a whiplash. I’d be offended too if you were happy to take my $10,000, wait ten years to not pay it back to me nor have any sense of urgency to pay it to me but then tell me I can’t live in the same city as you. Not next door to you the same city for god sake. Wowza
That happened to my father in law, and he was an awesome man.
There may be 2 reasons she doesn't want her in laws living close by... and they're not good reasons...
Sarah, Sarah, Sarah ... honestly - the in laws want it back because they see you mismanaging your money - probably living large with >100k of debt and an expensive car. They don’t want them to live in the same city!!!! Good Lord, Sarah!!
I was 20 years old when I got my first car, a 1995 Ford Contour that had a bad tranny (wouldn't let me go over 65 without the entire thing shuddering as I drove it). It was given to me by my aunt who only asked for $250. I only had $20 on hand (I didn't have a job at the time but I was looking for one). She accepted it as a down payment and said, "Oh, you can pay back the rest whenever." Six months later, I got my first job out of highschool that wasn't working for family for basically spare change. My first paycheck, I took the remainder of the balance of the car and drove out to my aunt's place. My uncle was shocked that I had the rest of the money on hand, I don't think that they actually expected to get the rest of the money. Since then, they're one of the few couples I'm related too that actually genuinely like me beyond the "Oh I'm related to this guy."
Moral of the story: if you at least attempt to pay back your family, even if not a ton, people appreciate it and in many ways can strengthen your relationship with them.
Patience of a Saint. Holy buckets 🤦🏿♂️
Holy Buckets? 😂
I know right!
I love how family calls crying for cash. you give them a loan, and then they try to stiff you! No regard for you or your well being. They burrowed FOR A VACATION!!! Took forever to get the cash back. Had to threaten court.
They were never going to pay them back.
she said they get offended easily, I don't think that ever applies if you owe them 10k with no intention of paying back, that's one big thing to be offended by
And anyone would be offended if you said “don’t move to my town”.
That's the part that got me. Yeah its majorly offensive to act like my loan is a gift and instead of paying it back, you drive a acr thay costs 5 times that amount. This caller doesn't realize how bad she sounds
@@choreomaniac if someone was a big enough pain in the butt that I had to tell them not to move to my town... then I definitely need to say it.
Maybe both couples have a difficult time with boundaries and that is why this is happening.
If you have healthy boundaries that protect you from people treating you poorly this would have been resolved long before needing to tell them not to move near you.
Maybe they have been offended BECAUSE you have not been grateful and paid them back in a timely manner. You offended them first.
Many years ago we borrowed money from our in-laws early in our marriage. We drew up paperwork acknowledging the loan and detailed an aggressive repayment plan. We paid it off early and there was never an issue (oh and we paid them interest!) Now we are in the position where we can do the same thing for our kids.
wow, breaks my heart to see people dishonoring their parents like that. Regardless of the parent's behavior. And then telling them don't move to our town. Ouchh. They should pay the parents back first and deal with wtvr consequences should arise, but hopefully, they pray the Lord in His grace and mercy, will correct that bad behaviour. ..:(
She said we were getting out of medical school 10+ years ago and they dont have 10k to hand over.. smh i smell something
This is why you should never lend money to family, relatives or friends. Most of them have no urgency or intention to pay back! The second you ask for your money back; they acts like you are the worse person on this planet. People are ungrateful and entitled nowadays!!! I’m one of those idiots; and I’m still waiting for my sister to pay me back that $50k she borrowed. 😕
I guess you thought you really knew your sister to have made that kind of loan.
Never loan any amount of money you can't afford to lose. Just say it's a gift and don't expect ot back.
$50 is too much. For lending an amount like that, you need to sign serious documents. It was a big mistake on your part, no offense. I can sense you are a very good human being that wanted to help your family
or if you do, make it official, in writing and notarized.
I feel this woman is full of it, she is either hiding a lot of details or just not been truthful at all.
read my mind. not very nice people from the tone of voice. always pay your debt and never take advantage of people.
Of course, she only called to get some validation from Dave
Very entitled