My parents didn’t have insurance when my brother was born in the mid 70s. My brother’s lungs collapsed at birth and was in the hospital NICU for a few weeks, maybe longer. The bill was staggering. They worked out a payment plan. Every few years, the hospital billing bubbas would call and try to renegotiate, and my mom would basically respond “no thanks, we have a contract and I’ll stick to the terms of the contract.” Now fast forward to when my brother was 13-14, and like most kids that age was being a general PITA. The billing people were getting super aggressive about wanting it sooner/faster/etc and calling multiple times a week. Finally, tired of the harassment, my mom yelled over the phone: “He’s being a jerk these days anyways! If you want your money, come repossess him and YOU deal with him!” Slammed down the phone and never heard from them again 🤣
A dirt bag who would take money from a young lady would have no concern about his father’s hospital bill. It was just a pretext. I’d like to know whether she even saw it.
She should obtain a copy of the hospital account. If $15K was not paid by the uncle, she can report this to the police and district attorney. They may prosecute him for fraud. Depending on how small a town it is, they may take this very seriously. A hardworking college girl is a sympathetic victim.
They don’t hold people hostage in the hospital if they can’t pay. She was swindled. If she has an email from uncle admitting he owes her she needs to sue him
you said this and it popped in my head that hospitals actually do hold you "hostage" in the Philippines. I doubt it but I wonder if this family is Filipino
I find it interesting she loaned him exactly $15k, as this is the IRS gift limit. She totally got scammed by her uncle. I work at a hospital, if someone can't pay their bills hospitals have associated "charities" that will lower the bill to whatever you can pay or waive it altogether.
I don't believe there is a gift limit to family members. I want to give substantially more to my daughter and her family, and my finance guy says there's no limit on family-to-family giving. Perhaps Uncles, Aunts or Cousins aren't included.
@@davidmuth4571 it may depend on your state. from my understanding, you can give as much as you want, but after a certain amount, you have to report it to the irs and pay tax.
The uncle suggested that SHE go into debt with a student loan, to pay for college, instead of HIM going into debt, to pay for the hospital bills. I bet the money wasn't even used to pay off the hospital bill. The hospital would accept ANY amount, every month, to not start collection proceedings.
Sounds as though Cathy is a timid, tenderhearted, young woman and was guilted into "helping" pay for grandpa's medical expenses. Poor, young woman. I have never asked my children for money, no matter the financial circumstances I have encountered. I don't think it's right to do such a thing. I'd have to question my character to even think of asking them for money. She wasn't 21 years old when she was asked for the money. She was about 19 1/2 years old, which is worse.
My wife and I don’t complain about money ever… and because we don’t, family feel it’s because we’re wealthy. Narcissists and low life’s don’t need her to advertise how much money she had - they can sense it by you not complaining about how broke you are all the time.
Yep, I learned this lesson as a kid instantly, first time I ever had a $20bill for doing a bunch of extra chores. Paid saturday morning, had friends over in the afternoon, was bragging about it, put it back in my sock drawer, found it was gone less than an hour later. Had no way to get the $20 back despite knowing exactly who took it.
@@costco_pizza no, letting the grandfather die wasn't a solution but his son should've asked his granddaughter/niece to put repayment terms in writing. Her uncle should've honored that and spoken with his niece for a longer timeline to repay any late monies.
My family is like this with money. The caller needs to set major boundaries! I'm glad you were so honest Dave! Good advice, I hope she listens. Poor gal I'll be praying for her.
@@saulgoodman2018 I was thinking her parents told the uncle she had money... do you think she was just telling everyone how much money she has? Possibly but usually one who brags about having money isn't the type to have saved it up themselves.
@@Sexy40baby1 you’re misunderstanding the role of a parent. If my brother went to my kid behind my back and stole her money my kid would get their money back. As a “parent” I refuse to allow my brother steal my kids future. If that means I have to sue him I will, if I have to go to our dad and tell him his son is a thief and he needs to pay up I will and if that doesn’t work I’ll just take it from him.
When it comes to family, never tell them how much money you have. No matter how great your parents and extended family are, never disclose your wealth. The money you decide to give your family, give it as a gift, do not expect it back.
100% I dont keep my income a secret from my wife but I have told her in no uncertain terms it's our business and no one else's. If I choose to help out family in tough times it is a gift with no intention of ever receiving it back but I don't want people thinking they can make bad life choices thinking I will bail them out when the debt collectors start calling.
That was a question I would have asked: how did the uncle know she had that amount of money saved? She told him. Mistake. She won't do that again. I hope she sues her uncle over this. She will hopefully get most of it back that way.
The sad fact is he probably didn’t even spend the money on the hospital bill. This uncle sounds like my parents. I had to teach myself about money because my parents are low life’s like this. I remember my dad and mom spending money on drugs and then sending me, a child, into the store to pay with change because they were too embarrassed to pay with change. And I was careless with my money for a while til I realized that I never wanted to be like them.
Ok I think we’re taking the hospital story way too seriously……the father of a 40 year old uncle would be on Medicare. There would be a deductible, have to pay for some medications at home, that could be an ongoing struggle but it wouldn’t be a $15k bill immediately. This seems like it was just a story to get money. Grandpa was in the hospital and uncle saw a way to make some cash.
@@mwhe3111 you can be eligible for medicaid if you dont receive medicare. Assuming the ages doesnt help because when my neighbor was 40 his mother was 57. Hes currently 53, his mom is 70 and his grandmother is 90
I recall a time when I went to pump gas and was approached by someone asking for some money for food. I gave them a $5 and went about my business. Then went inside to get a snack, I see them in front of me in line using that $5 to buy some cigarettes. And now I no longer give cash, I've learned my lesson. Point of the story, is offer to pay for what they need, if they need gas, food, etc... You can tell a lot about the way they react. With gratitude or disappointment about not getting the cash
I noticed that too . I was visiting a family friend and he told me about a homeless guy who is always asking for cash but when you offer to buy him food or pay for it he refuses . I don't give cash anymore too .
@@CruzzzControl1984 I was desperate for a snack before an appointment, and went into 7-11 to quickly grab the least harmful thing. It was a 2-pack of granola bars. I exited, and a panhandler was outside asking for money for food. I offered him the second granola bar. He retorted he wanted money, because he was going to go get a steak later. Well, excuuuse me.
The only family you can give money is those who don't ask for it. You see them doing well, they have their head on their shoulders, and they're financially responsible, you give them everything. The unwillingness to take it, but the appreciation in being able to bank a nest and use it as a building block to get further ahead, is beyond appreciated. All the money I have ever received from birthdays and just recently our wedding, is going to buying a house, buying new appliances, furniture, growing a nest egg, and solidifying the foundation of our future going forward.
I understand her pain. Her story is just like mine. Not uncle, but father & sibs. I worked at distancing myself from all of them. Very sad . If you give them money once they will look at you as "Ms. Money Bags". It was a tough to move away from them because they try harder to pull you into their drama. They think, I am the bad person. I let them think that because I don't care. Always remember they will never give your money back.
Definitely don’t do that. Text him and email him more to get him to make more admissions in writing. Corroborate it with the grandfather or others. Then sue him. Don’t let him know it’s coming,
Learning to set boundaries--understanding why and how, is such a game changer. I hate that this happened to this dedicated young lady. It's such a betrayal.
Watching this the second time. First time was before I lent my guardian money. Now it's been over a year since she promised to pay me back and her latest excuse is she started raising me after I was orphaned and so I owe her. I feel this girl's pain.
I love Ramsey and George together. Great to listen to, rarely interrupt each other. I hope Ramsey was able to help this young woman with her college bills. I know he can't do that for everyone but hopefully he was able to help her ger some kind of scholarship to assist such a lovely person.
I absolutely love this! I have always said I chose my family members and people have hated that! I grew up being told "you can pick your friends but you can't chose your family" oooH heck no!!! I have never felt the emotional pull to stand by "family" members that only have bad intentions. I don't discourage people who do, but that is not for me.
There is a casino in buffalo, and one in niagara falls, about 30 miles away, also just over the border in canada, theres another one. 5:44 I wonder if the bill was paid.
My daughter was is a bad marriage. She would call and ask for money. I ended up telling her, “If you are happy, I am happy for you. I am not paying for your happiness though.
Makes me wonder if the Uncle kept some (or all) of the money for himself. Judge Judy always tells litigents to NEVER loan money to relatives. She says the chances of it being paid back is slim. Unless an I.O.U is drawn up, they usually say it was gifted. Even a text indicating it's a loan is admissible in court. I hope this young lady goes to court with some kind of evidence. Maybe another family member can vouch for her.
People don’t understand that you can live and forgive someone, but still have a boundary that says that person is not allowed in your life. Sometimes that’s the best way to love someone cause nobody else ever told them no like they needed to hear.
Lol, this is 100% my family. Mom opened numerous accounts in me and my brothers name. Pull my credit report and find out my score is crap, numerous accounts idk about.... then years later dad dies and she literally trys to keep using my brother and me as an atm. I just got married in march and cut her off from, then the endless guilt trips start which didn't work. Then she went quiet
😂exactly. I used to debt collections on a medical bills. $25 per month is okay. I even had customers paying $10 monthly. We don't care and we don't call as long as you're paying something
Yes. They definitely should’ve told her how her uncle was so she wouldn’t make this type of mistake. When children get old enough to understand, I personally believe they should know the family members to stay away from. Parents should tell their children why that family member is a piranha without sugar coating it.
some people have to learn from experience and any amount of telling them wont help. she failed herself, shes an adult. do you need to see how many hate Dave? Making excuses that he's a liar and grifter? you can tell them all day and it won't help.
When it comes to loaning money, whether it’s family or friends, I only loan the amount I’m prepared to lose. She should’ve sent the money directly to the hospital and not to the uncle. He probably just took it for himself. I really hope she is able to recover the money though.
A lot of families are dealing with similar issues. Disappointing that it has happened to a college student. When it comes to family, assume a loan is a gift as many are not repaid - I Dealt with a family member that could repay but wanted to save it for their own use - did finally repay but caused damages to our relationship. Beware!!!
My mother cannot handle her money. When I graduated from college she came to me with her credit card bills because she couldn’t make the minimum payments. She didn’t want to go to dad and ask for the money. I paid her bills even though I was making barely enough to live because my mother taught me to be helpful. I had to stop because she was taking advantage of me and is a spend a holiday to this day. I told my dad. They had a blowout argument and mom never asked me for money again.
Base on the uncle character, it wouldn't surprise me. I bet the uncle used the some of money to pay off his brother which is the caller dad. Whole entire family are trash. Wouldn't surprise me if the caller parents told uncle to ask to borrow money. How would he know that she have the money.
I’m betting there’s no hospital bill at all…..grandpa would be on Medicare and there wouldn’t be a hospital bill. Maybe a copay or something but not $15k.
Dave Ramsey you are correct. Integrity and honesty is a minimum what is expected from the people who worth associating with. This low life uncle should be made to pay the money back with interest. He need to be given two choices, either he pays the money back on his own or alternatively he need to be taken to court. He is not worthy to have any kind of further relationship with.
The whole family, if they’re SO mad at scummy uncle, needs to get together and give this girl her money back. They’re all mad at the bad uncle (we all are) yet they don’t seem to be helping Cathy at all.
I agree, and the father is as bad as the uncle. It must be a real doozy of a family if the adults can't come up with the money for their own father's hospital bill. Low life family.
Don't even tell your family you have money! Pretend you're broke! I used to be too nice in my 20's. Now my heart has been replaced with a pump for people in general even if they're family! Don't be nice! Only show people how to help themselves if they're willing. Like the old saying. Teach a man to fish.
I don't know what in this video reminded me of this story because it perhaps falls under the heading of "Stupid Tax" but my brother knows a lady whose husband was retired military and he died. She was left with his rather substantial pension and other benefits and was VERY well provided for. She was probably in her early 60's and she got infatuated with a young man about half her age and she had to have him as her boytoy. She married him, giving up ALL rights to her first husband's military pay in the process. Boytoy lived with her for six months and saw a younger, prettier woman and he divorced her for the younger woman. She then went back to the military and said she was ready for them to reinstate her benefits as the widow of a retired military man and she was told um, sorry. That ship has sailed. The last my brother heard of her she had lost her home and was living on welfare and was in very precarious shape financially. But hey, she had herself a boytoy for a few months. That's stupid tax on steroids.
Never "loan" money to people especially family or friends that you can't live without. If you can't turn loose of it and consider it a gift you can't afford to loan it. That way you are not hurt if it is paid back late or not at all.
I just LOVE that these two men are enlightened enough to understand that sometimes you have to cut off family if they are toxic, so amazing to see from people who consider themselves conservative.
Well aren't you a judgmental fool? News flash: conservatives tend to be the ones helping and fixing, like the guy whose show you watch. And PS: screw everyone who voted for Trudeau. Y'all SUCK.
Do not ever give your family money for any reason!! They could have made payments to the hospital and the bill didn't need to be paid off with her money!
The situation with adults requesting money from younger adults happens more often than you can imagine. If this adult got $ that quickly, he'll be back for more, I am willing to bet.
I am hoping for this young woman's sake that this is resolved soon, but I don't think she's going to go the legal route. Cautionary tale young people: don't EVER lend people money, especially family members. Unless you can legally bind people to proper repayment terms, you will lose it.
There are tons of families out here where the parents and older people use the younger. It’s outrageous. Even “Christian” families don’t realize they are doing this
I never lend anyone money with out first coming to terms to the fact that I will never see it again and can afford to lose it. If they re-pay then that's a bonus
My uncle was a lawyer. Imagine our surprise when my grandmother dies and 90% of my grandfathers million dollar net worth was left to his family after moving close to grandma when she was on her deathbed. I was around 18 and still regret (and don't regret) standing up to my uncle. Moved on but let the Lord sort it out. Money isn't everything.
“ they’re not gonna repossess your grandpa” has me on the floor 💀 🤣
My parents didn’t have insurance when my brother was born in the mid 70s. My brother’s lungs collapsed at birth and was in the hospital NICU for a few weeks, maybe longer. The bill was staggering.
They worked out a payment plan. Every few years, the hospital billing bubbas would call and try to renegotiate, and my mom would basically respond “no thanks, we have a contract and I’ll stick to the terms of the contract.”
Now fast forward to when my brother was 13-14, and like most kids that age was being a general PITA. The billing people were getting super aggressive about wanting it sooner/faster/etc and calling multiple times a week. Finally, tired of the harassment, my mom yelled over the phone: “He’s being a jerk these days anyways! If you want your money, come repossess him and YOU deal with him!” Slammed down the phone and never heard from them again 🤣
She is 21 now. That happened a year and a half ago. The uncle convinced a 19 year old to lend him $15K! He should be in jail.
Maybe he really needed it
@@paleo704Are you really trying to excuse this irresponsible scumbag uncle’s actions? He should’ve paid her back by now, she needed that money.
@@paleo704then he should work for it. Get the hell out of here with that BS
@@conniemac7171 I think @paleo74 is the uncle.
@@paleo704you sound like the type guy to “borrow” $15k from a 19 year old niece.
Nothing makes Dave more angry than elders in the family stealing from the young ones’ future. I’m with him in this as we should all be.
It's outrageous. Not that young ones stealing from the elders is better, but it's just inconceivable.
I was almost in the same situation with my parents years back. Luckily I stood up to them and never end up giving them $$
@@michaelpalumbo4880 Not true
Yes but was the answer to just let her grandfather die???
@@costco_pizza So that’s what you took out of the call??
You can hear the defeat and helplessness in her voice. "And now they won't pay me back..."
The Uncle didn't pay the hospital he kept it for himself 100 percent!
A dirt bag who would take money from a young lady would have no concern about his father’s hospital bill. It was just a pretext. I’d like to know whether she even saw it.
That is a fact he never paid any hospital bill .
Came here to make this comment!!! You beat me too it. 100%!
I can't believe it took them 14 minutes to bring up that possibility.
Yep
She should obtain a copy of the hospital account. If $15K was not paid by the uncle, she can report this to the police and district attorney. They may prosecute him for fraud. Depending on how small a town it is, they may take this very seriously. A hardworking college girl is a sympathetic victim.
The media would be all over this for sure. Nothing screams patriarchy more than a young girl being taken advantaged of by older men.
Most excellent! This is one possible way of recovering the money. A criminal court would certainly order restitution.
Of course he didn’t put all the money towards the bill. He’s a scumbag.
She would have to get that from the uncle. HIPPA will not allow the hospital to release that info to her.
@@theirmom4723 Prosecutor can subpoena it. If she files in small claims court, she can subpoena it, too.
They don’t hold people hostage in the hospital if they can’t pay. She was swindled. If she has an email from uncle admitting he owes her she needs to sue him
you said this and it popped in my head that hospitals actually do hold you "hostage" in the Philippines. I doubt it but I wonder if this family is Filipino
Absolutely
True, but was the answer for her to just let her grandfather die???
@@costco_pizza no but she still needs her money back.
It costs times and money to sue and she’s a student.
I love how blunt and honest Dave is.
Poor girl doesn’t sound a day over 13. They definitely took advantage of her kindness.
"like, like, like, like, like.....like like"
Gen Z!
Exactly. He knew he could play her like a violin.
@@astrea79 And, he knew she had it! She should have told him she spent it on shoes , purses and gambling.
Her uncle would think twice about using her again if she were to take a bat to his head like he deserves.
I find it interesting she loaned him exactly $15k, as this is the IRS gift limit. She totally got scammed by her uncle. I work at a hospital, if someone can't pay their bills hospitals have associated "charities" that will lower the bill to whatever you can pay or waive it altogether.
Criminal how the IRS gets to decide the 'gift limit' to my loved ones from me.
Especially if they are elders
@@lucialuciferion6720 well sadly its needed. Could you imagine if they didn't, they could have gotten her for more
I don't believe there is a gift limit to family members. I want to give substantially more to my daughter and her family, and my finance guy says there's no limit on family-to-family giving. Perhaps Uncles, Aunts or Cousins aren't included.
@@davidmuth4571 it may depend on your state. from my understanding, you can give as much as you want, but after a certain amount, you have to report it to the irs and pay tax.
I know this is a serious situation but when Dave said “they’re not going to repossess your Grandpa” I lost it
💀 🤣😂
Right 🤣🤣🤣 or when he said if you think you don’t have crazy people in your family it’s you ….💀💀😂
SAME!
😂😂😂😂😂😂
The uncle suggested that SHE go into debt with a student loan, to pay for college, instead of HIM going into debt, to pay for the hospital bills.
I bet the money wasn't even used to pay off the hospital bill. The hospital would accept ANY amount, every month, to not start collection proceedings.
Quite possible. Poor kid. God bless her.
Sounds as though Cathy is a timid, tenderhearted, young woman and was guilted into "helping" pay for grandpa's medical expenses. Poor, young woman. I have never asked my children for money, no matter the financial circumstances I have encountered. I don't think it's right to do such a thing. I'd have to question my character to even think of asking them for money.
She wasn't 21 years old when she was asked for the money. She was about 19 1/2 years old, which is worse.
Uncle got wind that she had savings and waited for the first opportunity to con her out of it.
Wonderful of him.
( s I g h )
My wife and I don’t complain about money ever… and because we don’t, family feel it’s because we’re wealthy.
Narcissists and low life’s don’t need her to advertise how much money she had - they can sense it by you not complaining about how broke you are all the time.
Never tell your family how much money you have
Never tell anyone what you have.
@@genxx2724 100% this. Parasites will come out of the woodwork like no other.
@@genxx2724 Yes..u beat me to it
You can tell them. As long as they don't get any of it. Otherwise you're an ATM
Exactly!
It's been a while since a Ramsey video has made me this angry. My heart goes out to Cathy.
Perhaps another valuable lesson: Don’t tell anyone how much $ u have. Someone had to have told the Uncle she had a healthy savings account.
Yep, I learned this lesson as a kid instantly, first time I ever had a $20bill for doing a bunch of extra chores. Paid saturday morning, had friends over in the afternoon, was bragging about it, put it back in my sock drawer, found it was gone less than an hour later. Had no way to get the $20 back despite knowing exactly who took it.
@@Lon1001 the lesson learned was well worth $20.
Most likely her family complained about the hospital bill to her. She might have offered to lend him the money.
@@texan903 I understand this is a difficult situation for her, but was the answer to just let her grandfather die???
@@costco_pizza no, letting the grandfather die wasn't a solution but his son should've asked his granddaughter/niece to put repayment terms in writing. Her uncle should've honored that and spoken with his niece for a longer timeline to repay any late monies.
My nosey deadbeat mom always asks how much I pay for such and such. I always reply, “Why, are you offering to cover the cost?”
Good come back girl 😅❤
My family is like this with money. The caller needs to set major boundaries! I'm glad you were so honest Dave! Good advice, I hope she listens. Poor gal I'll be praying for her.
That money didn't go towards medical bills. I'd bet my life on that
Hookers and coke
My heart breaks for people like this. She was completely taken advantage of and her parents did nothing to protect her!
@@saulgoodman2018 I was thinking the same thing.
Gotta hate stupid family that holds beautiful people back in life. Gotta get away from that toxicity!!
blaming the parents as if she went and told them what the uncle asked is just horrible.
kids don't tell parents everything.
@@saulgoodman2018 I was thinking her parents told the uncle she had money... do you think she was just telling everyone how much money she has? Possibly but usually one who brags about having money isn't the type to have saved it up themselves.
@@Sexy40baby1 you’re misunderstanding the role of a parent. If my brother went to my kid behind my back and stole her money my kid would get their money back. As a “parent” I refuse to allow my brother steal my kids future. If that means I have to sue him I will, if I have to go to our dad and tell him his son is a thief and he needs to pay up I will and if that doesn’t work I’ll just take it from him.
When it comes to family, never tell them how much money you have. No matter how great your parents and extended family are, never disclose your wealth. The money you decide to give your family, give it as a gift, do not expect it back.
Not just family, anyone. Best to not disclose to anyone how much wealth you have.
100% I dont keep my income a secret from my wife but I have told her in no uncertain terms it's our business and no one else's. If I choose to help out family in tough times it is a gift with no intention of ever receiving it back but I don't want people thinking they can make bad life choices thinking I will bail them out when the debt collectors start calling.
Or just learn to say no.
That was a question I would have asked: how did the uncle know she had that amount of money saved? She told him. Mistake. She won't do that again. I hope she sues her uncle over this. She will hopefully get most of it back that way.
Don’t even tell your best friend or mama
I would gladly join the Ramsey SWAT team for guys like her uncle.
I'm on board too, I'd love to have a word with him.
The sad fact is he probably didn’t even spend the money on the hospital bill. This uncle sounds like my parents. I had to teach myself about money because my parents are low life’s like this. I remember my dad and mom spending money on drugs and then sending me, a child, into the store to pay with change because they were too embarrassed to pay with change. And I was careless with my money for a while til I realized that I never wanted to be like them.
Yes. Bet the Uncle has enough money for cigarettes, beer, alcohol, and gambling.
Too bad we can't pick our parents.
@@8356-4
True.
But statistics shows that kids of an alcoholic are more immune to alcoholism, then fresh exposed newbies.
Ok I think we’re taking the hospital story way too seriously……the father of a 40 year old uncle would be on Medicare. There would be a deductible, have to pay for some medications at home, that could be an ongoing struggle but it wouldn’t be a $15k bill immediately. This seems like it was just a story to get money. Grandpa was in the hospital and uncle saw a way to make some cash.
Yep. We know where he's headed
Depends on if they actually applied or if they're eligible. My children's father was unemployed but he wasnt eligible for medicaid.
The uncle probably has an addiction or gambling problem
@@michellerichardson3090 Medicare, not Medicaid. Medicare kicks in at 65, which is probably Grandpa's age.
@@mwhe3111 you can be eligible for medicaid if you dont receive medicare. Assuming the ages doesnt help because when my neighbor was 40 his mother was 57. Hes currently 53, his mom is 70 and his grandmother is 90
A lesson for anyone watching this. NEVER tell anyone how much money you make or have. Some people are just waiting to take advantage!
She was scammed by her own Uncle. Her family used her for her money. This is sad.The grandfathers bill is not her responsibility.
I recall a time when I went to pump gas and was approached by someone asking for some money for food. I gave them a $5 and went about my business. Then went inside to get a snack, I see them in front of me in line using that $5 to buy some cigarettes. And now I no longer give cash, I've learned my lesson.
Point of the story, is offer to pay for what they need, if they need gas, food, etc... You can tell a lot about the way they react. With gratitude or disappointment about not getting the cash
I noticed that too . I was visiting a family friend and he told me about a homeless guy who is always asking for cash but when you offer to buy him food or pay for it he refuses . I don't give cash anymore too .
Never give to people like that. Give to good charities and church.
If you buy them necessities, you free up whatever cash they do have so they can buy cigarettes.
@@genxx2724 Very true. Kidness will get you taken advantage of alright. All in all, everyone should use their best judgement
@@CruzzzControl1984 I was desperate for a snack before an appointment, and went into 7-11 to quickly grab the least harmful thing. It was a 2-pack of granola bars. I exited, and a panhandler was outside asking for money for food. I offered him the second granola bar. He retorted he wanted money, because he was going to go get a steak later. Well, excuuuse me.
This caller was adorable and I wish her nothing but the best. Good people with good deeds get good things.
The only family you can give money is those who don't ask for it. You see them doing well, they have their head on their shoulders, and they're financially responsible, you give them everything. The unwillingness to take it, but the appreciation in being able to bank a nest and use it as a building block to get further ahead, is beyond appreciated. All the money I have ever received from birthdays and just recently our wedding, is going to buying a house, buying new appliances, furniture, growing a nest egg, and solidifying the foundation of our future going forward.
I understand her pain. Her story is just like mine. Not uncle, but father & sibs. I worked at distancing myself from all of them. Very sad . If you give them money once they will look at you as "Ms. Money Bags". It was a tough to move away from them because they try harder to pull you into their drama. They think, I am the bad person. I let them think that because I don't care. Always remember they will never give your money back.
2:44
Dave: they are not going to repossess your Grandpa 🤭
Epic, lol
Don’t forget to send your uncle a link to this video.
💯🤣💯
Definitely don’t do that. Text him and email him more to get him to make more admissions in writing. Corroborate it with the grandfather or others. Then sue him. Don’t let him know it’s coming,
👍
😂☠️
Smh I feel so bad for this young lady
Learning to set boundaries--understanding why and how, is such a game changer. I hate that this happened to this dedicated young lady. It's such a betrayal.
As they say "betrayal doesnt come from an enemy"
It's easier to owe Cathy, because she can't collect. Uncle is a predator.
Why isn’t the grandfather paying for his own hospital bill? This sounds to me like a generational problem.
Seems like grandpa should have Medicare and might qualify for Medicaid
Watching this the second time. First time was before I lent my guardian money. Now it's been over a year since she promised to pay me back and her latest excuse is she started raising me after I was orphaned and so I owe her. I feel this girl's pain.
Shame on her!
So, you'd seen this video before you lent your guardian money. Why did you lend your guardian money, then?
I will volunteer for the Ramsey Swat Team!
My uncle is exactly the same.
I love Ramsey and George together. Great to listen to, rarely interrupt each other.
I hope Ramsey was able to help this young woman with her college bills. I know he can't do that for everyone but hopefully he was able to help her ger some kind of scholarship to assist such a lovely person.
I absolutely love this! I have always said I chose my family members and people have hated that! I grew up being told "you can pick your friends but you can't chose your family" oooH heck no!!! I have never felt the emotional pull to stand by "family" members that only have bad intentions. I don't discourage people who do, but that is not for me.
Smart lady!
This is so funny to me. My best friend says “she doesn’t claim everyone as family” all the time. I will have to take up this notion as well.
Agreed
JUST SAY No! No! NO!!!!
Relatives can be the devil. My aunt tried to get my brother to co-sign a mortgage w her and told him to not tell our parents smh
There is a casino in buffalo, and one in niagara falls, about 30 miles away, also just over the border in canada, theres another one. 5:44 I wonder if the bill was paid.
My daughter was is a bad marriage. She would call and ask for money. I ended up telling her, “If you are happy, I am happy for you. I am not paying for your happiness though.
Makes me wonder if the Uncle kept some (or all) of the money for himself. Judge Judy always tells litigents to NEVER loan money to relatives. She says the chances of it being paid back is slim. Unless an I.O.U is drawn up, they usually say it was gifted. Even a text indicating it's a loan is admissible in court. I hope this young lady goes to court with some kind of evidence. Maybe another family member can vouch for her.
She can send him an e-mail detailing it. If he doesn’t respond denying it, she can try to use that.
@@genxx2724 You are right. I actually saw a similar case on Judge Judy.
He did
Guranteed. I bet none of that money went to the hospital.
Anytime someone borrows something from me, I take a photo of them with the item. That photo, on a mobile, is geotagged and time/date stamped.
She needs a strong role model outside the family.
Your comment needs 3 million likes!👍
This is so incredibly sad. This poor girl learned a really tough lesson about family.
People don’t understand that you can live and forgive someone, but still have a boundary that says that person is not allowed in your life. Sometimes that’s the best way to love someone cause nobody else ever told them no like they needed to hear.
Lol, this is 100% my family. Mom opened numerous accounts in me and my brothers name. Pull my credit report and find out my score is crap, numerous accounts idk about.... then years later dad dies and she literally trys to keep using my brother and me as an atm. I just got married in march and cut her off from, then the endless guilt trips start which didn't work. Then she went quiet
Happens almost on every family, tons of people does not respect your money and even worse they do noy value the relationship!
In my experience, even if you're only paying $100 on your hospital bills...they really don't care, they're just happy you're trying to pay it off!
😂exactly. I used to debt collections on a medical bills. $25 per month is okay. I even had customers paying $10 monthly. We don't care and we don't call as long as you're paying something
"They're not gonna repossess your uncle," mental image is hilarious.
Her parents failed her, she’s too naive. Hopefully she learned her lesson.
Yes. They definitely should’ve told her how her uncle was so she wouldn’t make this type of mistake. When children get old enough to understand, I personally believe they should know the family members to stay away from. Parents should tell their children why that family member is a piranha without sugar coating it.
some people have to learn from experience and any amount of telling them wont help. she failed herself, shes an adult.
do you need to see how many hate Dave? Making excuses that he's a liar and grifter? you can tell them all day and it won't help.
@@K.mit338imagine agreeing with a kid who plays fortnite. whos never had a job LOL
“They’re not going to repossess your grandpa…” lmao! This call is not funny but Dave had me laughing.
If she wanted to help, should have gone directly to the hospital to pay on the bill.
Thank you for telling. I feel better now. This is so many families.
When it comes to loaning money, whether it’s family or friends, I only loan the amount I’m prepared to lose. She should’ve sent the money directly to the hospital and not to the uncle. He probably just took it for himself. I really hope she is able to recover the money though.
A lot of families are dealing with similar issues. Disappointing that it has happened to a college student. When it comes to family, assume a loan is a gift as many are not repaid -
I Dealt with a family member that could repay but wanted to save it for their own use - did finally repay but caused damages to our relationship. Beware!!!
Exactly. How will you feel when the relative who owes you money goes on vacation or buys a new car?
"They're not gonna repossess your grandpa" 😂 I lost it
Court Tv. But I would not call but put everything in text or email.
My mother cannot handle her money. When I graduated from college she came to me with her credit card bills because she couldn’t make the minimum payments. She didn’t want to go to dad and ask for the money. I paid her bills even though I was making barely enough to live because my mother taught me to be helpful. I had to stop because she was taking advantage of me and is a spend a holiday to this day. I told my dad. They had a blowout argument and mom never asked me for money again.
The rest of the family should be ashamed too. It's their dad/uncle. Their should all step up to pay her back.
I am betting the hospital bill was not even paid & the uncle used money for something else
Base on the uncle character, it wouldn't surprise me. I bet the uncle used the some of money to pay off his brother which is the caller dad. Whole entire family are trash. Wouldn't surprise me if the caller parents told uncle to ask to borrow money. How would he know that she have the money.
I’m betting there’s no hospital bill at all…..grandpa would be on Medicare and there wouldn’t be a hospital bill. Maybe a copay or something but not $15k.
probably had a weekend in vegas
Double or nothing at the track
Dave Ramsey you are correct. Integrity and honesty is a minimum what is expected from the people who worth associating with. This low life uncle should be made to pay the money back with interest. He need to be given two choices, either he pays the money back on his own or alternatively he need to be taken to court. He is not worthy to have any kind of further relationship with.
The whole family, if they’re SO mad at scummy uncle, needs to get together and give this girl her money back. They’re all mad at the bad uncle (we all are) yet they don’t seem to be helping Cathy at all.
What a great idea! ❤
I agree, and the father is as bad as the uncle. It must be a real doozy of a family if the adults can't come up with the money for their own father's hospital bill. Low life family.
There's no way he borrowed that money for hospital bills. Just make a payment plan with them. He used it for something else.
Don't even tell your family you have money! Pretend you're broke! I used to be too nice in my 20's. Now my heart has been replaced with a pump for people in general even if they're family! Don't be nice! Only show people how to help themselves if they're willing. Like the old saying. Teach a man to fish.
I don't know what in this video reminded me of this story because it perhaps falls under the heading of "Stupid Tax" but my brother knows a lady whose husband was retired military and he died. She was left with his rather substantial pension and other benefits and was VERY well provided for. She was probably in her early 60's and she got infatuated with a young man about half her age and she had to have him as her boytoy. She married him, giving up ALL rights to her first husband's military pay in the process. Boytoy lived with her for six months and saw a younger, prettier woman and he divorced her for the younger woman. She then went back to the military and said she was ready for them to reinstate her benefits as the widow of a retired military man and she was told um, sorry. That ship has sailed. The last my brother heard of her she had lost her home and was living on welfare and was in very precarious shape financially. But hey, she had herself a boytoy for a few months. That's stupid tax on steroids.
I love Dave getting riled on her behalf. It’s heartwarming
"If you cant identify where the crazy is in your family, then its you." Lol. Dave Ramsey quote.
Never "loan" money to people especially family or friends that you can't live without. If you can't turn loose of it and consider it a gift you can't afford to loan it. That way you are not hurt if it is paid back late or not at all.
They didnt use that money for Grandpa's bill...they partied with it.
The uncle didn't use a penny of it toward the hospital bill.
Yes he stole it
@@SarahR2D2 That’s the real term for it. He defrauded her.
I love the Chris Traiger answer he gave. "You have several options. They're all terrible, but you have them."
HeLpLiNe 💬📞☝️.
I just LOVE that these two men are enlightened enough to understand that sometimes you have to cut off family if they are toxic, so amazing to see from people who consider themselves conservative.
Hey, Fancy--nice, not-so-subtle dig at conservatives. We saw how you did that, RPGCanada! lol
Well aren't you a judgmental fool?
News flash: conservatives tend to be the ones helping and fixing, like the guy whose show you watch.
And PS: screw everyone who voted for Trudeau. Y'all SUCK.
Totally are with the boundaries. We know who it is in our family and keep that in mind when around them.
HeLpLiNe 💬📞☝️.
I know people who don’t have insurance. Your grandfather could have negotiated his hospital bills. They do it all of the time.
I couldn't help but laugh when Dave said he wanted to send the Ramsey swat team after the uncle😂😂😂😂.
Do not ever give your family money for any reason!! They could have made payments to the hospital and the bill didn't need to be paid off with her money!
The situation with adults requesting money from younger adults happens more often than you can imagine. If this adult got $ that quickly, he'll be back for more, I am willing to bet.
I'd like to know the outcome
She sounds so cute. She seems to be gullible. I'm sure she will get through this.
College doesn’t teach streets smarts unfortunately
@@KNukzzz That would be too late anyway. Street smarts need to be learned young.
@@KNukzzz anybody at any education level can get scammed. It can be a family member or a professional fraudster.
Young and naive and I’m sure she loved the uncle.
“Not gonna repossess your grandpa” 😂💀
I'm thinking the Uncle probably didn't use the money on her Grandpa's hospital bills.
I can only handle about 10-12 “likes” in one setting before I can’t listen anymore Dave you have much more patience than me
She's too trusting.
Ramsey swat team🤣🤣😂😂 .....to the rescue...hehehe so entertaining watching Dave all fired up.
"Hospital can't repossess grandpa" epic
That's probably the threat her uncle put in her head
You can give a lot of things to family. Never do business, rent to, or lend to family. It will crush you in every way imaginable.
I am hoping for this young woman's sake that this is resolved soon, but I don't think she's going to go the legal route. Cautionary tale young people: don't EVER lend people money, especially family members. Unless you can legally bind people to proper repayment terms, you will lose it.
Never loan money. If you can’t afford to lose it, don’t give it to anyone. If you can afford to lose it, give it as a gift. Never a loan.
There are tons of families out here where the parents and older people use the younger. It’s outrageous. Even “Christian” families don’t realize they are doing this
👀
They realize it
If they do that, they aren't Christian. I liked your quotes.
It's called unrealistic expectations
How do we become a member of the ramsey swat team?
Sometimes, Family will treat you worse than an Enemy
The hospital never got paid is my bet
Hospitals ALWAYS offer payment plans for large bills. There is a 0% chance that money went to hospital bills. Your Uncle scammed you.
I never lend anyone money with out first coming to terms to the fact that I will never see it again and can afford to lose it. If they re-pay then that's a bonus
This girl has terrible parents and a terrible uncle. Wow.
HeLpLiNe 💬📞☝️.
"Always a pickup" 😂😂😂
My uncle was a lawyer. Imagine our surprise when my grandmother dies and 90% of my grandfathers million dollar net worth was left to his family after moving close to grandma when she was on her deathbed. I was around 18 and still regret (and don't regret) standing up to my uncle. Moved on but let the Lord sort it out. Money isn't everything.
3:57 is your answer. He takes out a loan in his name to pay her schooling, none of that "you can go into debt and ill pay later" BS