What To Do When Family Behaves Badly | July 1, 2024
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- เผยแพร่เมื่อ 30 มิ.ย. 2024
- The Ramsey Show (July 1, 2024)
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- "Can my mother-in-law take away a trust?"
- "Should I take a year off from work to get a degree?"
- "Can we be gazelle intense about paying off our home?"
- "How can I develop a spirit of contentment?"
- "Should I talk my husband out of buying a car?"
- "How do I ask my dad to pay what he owes me?"
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Babies don’t need much space and people in general don’t need space unless they are brought up to think they do . My kids are hardly in their room only get clothes. My oldest son is the only one who even sleeps in his room.
Same! We live in a two bedroom rental with two children. We are in the kid bedroom for bedtime. That’s it and the oldest one is the only one that sleeps in there 😂
The lady that had household income of $230k, didn’t own a car, and was concerned about buying a $9k car. Please tell me she was trolling. What a joke.
Agree some of these people are ridiculous 🙄
Those are the people that I fast-forward through. And those who say I only have $3 million can I retire with dignity. Give me a break!
As a dad it disgusts me to hear stories like Matt's. His dad knew exactly what he was doing. He felt that money was his, and manipulated his son to get it. And then not to pay it back after all these years is further proof he just wanted the money because he felt it was his and he probably has no intent of paying it back. There is a special place in you know where for this embarrassment of a father. And you can say maybe he was the greatest dad ever till this happened, its no excuse. This was not an accident, or a misspoken word in the the heat of an argument. This was intentional and he took advantage of his own son when his mother just passed. There were months when I wasn't sure how I would make the mortgage and it did not cross my mind for a second to take money from my kids, regardless of where the money came from.
Dave and John are my favorite duo
Me too.
That lady was pissed that her husband got a used old car he could easily afford instead of catching the bus or renting a car for the rest of their lives like they agreed they’d do.
-1:07:14 I bet John was biting at the bit to tell that lady she has a marriage issue/to get counseling/tell her husband she can’t breathe. Lol and Dave just cuts through her crap and tells her she’s being emotional lol loved it
I think it might be the revese. They live in DC, chose an expensive area close to work with metro access and they do the occasional Zip Car rental on the weekend. The recent car was a piece of crap and that pissed off hubs. So he got a car, against their plan.
I lived overseas for a couple of years, and it was life changing. If you can do it, I would recommend it. If you have the money saved to cash flow a 1 year MBA abroad, it will likely be unforgettable. You may not be free to do so in future, once a spouse or kids come along. Another option is to do an MBA in the US and then work abroad.
😂😂😂😅why am I watching this episode and in your comments section on IG at the same time😂😂
Lol I love how Dave brought up uncle Rico. I ❤ Napoleon Dynamite
It all starts with "I'll try to keep a long story short"...
The Ramsey Show should keep reiterating about the presidential election and how it won't fix what's happening at home. People don't get it.
The lady on the call breaks my heart. I can't even imagine what she and her husband have been going through. Money is always a grub fest.
As to real estate in California, the median home price (the entire state), is between $800K - $904K.
I am in Santa Clarita and in a typical housing tract built in the mid 80's. House next door is a 2 story 3 bed, 2 bath, powder room, with attached 2 car garage and a nice back yard. Guess . . . $748K, and nothing special.
There are no "cheaper areas." So the lady is correct, coming back isn't an option unless they want to do that. And they don't as they are debt free.
I just wish them the best and smooth sailing from here on out. Glad they have a good neighbour, too.
I live in Seattle. Skagit County, while more rural, is still expensive. No cheap condos there. All of western Washington is pricey.
I'm your neighbor (in Sedro Woolley). ❤
Agree. West coast in general. I recently sold my 1 bedroom condo for $400k in Oregon
If "Rice & Beans, Beans & Rice" is not a band name, it should be.... 😂
Dave is back!! Thank you Jesus!!
He was on all last week, where were you? 😂
@@flashthecorgi2053 not Friday. I missed him so much Tami.
@@super1234567891011 My name is not Tami sweetheart but nice try! That’s a family member close to me but not mine. Also, he hasn’t worked on Fridays for awhile that’s not new!
@@flashthecorgi2053 It is a pleasant surprise that Dave hasn't decided to take the whole week of the 4th of July off though.
I wouldn’t go that far
Dave gave that lady a wonderful blessing on her wedding day -- Financial Peace. I love listening to happy people on radio.
Sis should’ve split the down payment. You didn’t give your dad his portion of the down payment because you were punishing him for cheating on your mom.
That’s my thought too
Agreed! She was really being fair and unbiased then she would’ve split the downpayment between both.
💯 💯 I find it strange they didn’t mention this on air.
The homestead was protected by investment of different people. Today the ownership should be divided by the percentage invested when purchased back from the bank.
I agree
Get a construction management MBA here in the USA. Make it your mission to get employed by a Multi-national engineering firm after you complete your MBA. Make your way to EUROPE. ORRRRRR Eliminate all your debt, and buy a house in a European country. Houses are cheap. You can get a condo/house for less than 100K
I guess it depends on where in "Europe" we are talking about. Where I live in western Germany, you pay about 500-850k Euros (540k-918k USD) for an average 80m² appartment.
Dave, sure wish your show had CC for us hearing impaired.
Hi, Sue, you can use the closed caption option on TH-cam. Touch the screen then touch the cc in a box icon in the upper right of the screen. Hope this helps.
@@marysaltlife1427nope not available on this video 🤷♀️ good thing to point out 👍 I hope they add captions 😘
@@emakoo01it’s available for me and I am writing this comment 7 minutes after you :)
@@emakoo01It’s avaliable for me as well as the transcript down below. If you click the date and scroll down to the description PAST the explore podcast picture. There is a transcript as well that will give you the words. The close captioning is also available right by the settings, air play, and auto play buttons.
CC is available in TH-cam settings 👍
I kinda followed your financial plans. After 30+ years my student loan is paid off. We were stupid with our money over the years and after my husband passed in late 2017 I took a job in TX and thought I would get it paid off then but it didn't happen. I left that job to take care of my mom when her nursing home closed but before I could get back to her, she passed in 2020 and then COVID hit. I took survivor benefits from my husband and did not work for all of 2020. I did start working minimum wage jobs in 2021-2023.
Then I lucked out getting a job back in TX in August 2023.
At that time I had enough of everything.
I paid off $7k in credit card debt.
I just paid off $18k in student loan debt in May 2024 after 30+ years.
My truck will be paid off in two years
I did buy a house this year since it is half the cost of renting here. I bought down the interest rate to 6% and I'm fixing it up so in two years I can sell it at a greater profit.
Some times people just have to hit rock bottom like I did to finally do something about it.
I'm 65 this year and can't retire. I make after taxes, health insurance, etc about $2,200 every other week. I use one full pay check paying my mortgage, utilities, truck payment and car insurance. The other check I will now start putting into the bank for retirement. I don't eat out but once every other week. If I want something I make sure it is absolutely necessary and I get it second-hand. I'm doing the rice and tuna fish diet - don't like beans.
And my goal is not to retire until I have $100k and debt free totally before I retire.. I will get about $3k from social security so even if they cut it back by 30% I'll be okay.
If I can do it, any body can do it.
Be proud of yourself. You have a great plan. Sending love and strength. ❤
@@naomiemoore5725 thank you.
My Pops is retired and living in Fl on $2600 a month. He lives like a King. Yes, it can be done.
I did not listen early enough to become a millionaire but I saved 100,000 in good mutual funds before I retired. My income is 2500 a month on Social Security, no pension and I am fine. Debt-free for a long time with a paid for house. You will be OK!
If I worked at Ramsey, I’d definitely try starting up a band called Left-handed Puppetry
I appreciate the family money values in place
One can't exist peaceful without the other❤
The Bennie’s is a good band name lol😅 Bennie’s for benefits 😂
Daniel from New York. You worked so hard you deserve a gap year. You’re not too old. Always yes to living abroad for a while. And an MBA within only one year sounds super intense, not a vacation at all. You’ll gain invaluable experience that someone who never went to live abroad can’t comprehend. Just do it.
He’s clearly not happy money not everything he feel empty inside NEW York a cold city it’s hard to find real love
I was thinking the same thing. If you have a clear financial picture just take the year. May even find a love interest or new relationships that can’t be found stateside
Agree he definitely should go. Money isn’t everything, experiences are just as important. He’s obviously a responsible guy not just going to goof off. He will regret it if he doesn’t go. Dave acts like everyone should just grind away until they’re past retirement age. Of course Deloney agrees because he’s a yes man. Daniel GO!!!
American expat here living in London. I do find that people living in the middle of America usually aren’t the adventurous one to take travel advice from …absolutely move for a year…that’s nothing! I’ve been over here for 13 years -best decision ever!
"...car accident or Mother's Day."
😂
Great stuff
To the guy that wants to go to Europe you should do it. Whether the school route or get a job there. There is nothing wrong with taking a year off if you can afford it.
I agree. He can see if he really likes it.
Totally agree. He’s young, that’s his dream. Let him do it if he doesn’t need to take loans.
This is one thing I disagree with Dave on. If he is debt free and can fund his year, he should take a year and go before he has a family. I spent a year volunteering for Habitat for Humanity and lived on $2500 for the year. All of us volunteers had nothing financially or materially but we had a very rich life.
I live in Europe. I love it. ❤
Travel and living abroad changes your perspective for the rest of your life.
Skagit Valley is not inexpensive anymore. Huge housing shortage here, thanks to the Sesttle market. Wish Dave was listening better when Linda kept saying that.
Exactly. There’s no place within driving distance that is “cheap”. I’m just over the border in Canada - very similar prices to Bellingham WA - and am a Canadian millionaire only because I bought a very basic older starter house in my 20s that is today worth over a million. (30 yrs later)
Love how James Child will put in funny little clips pertaining to something funny y’all said 😆 (football coach one this time 🏈)
I would love a follow up on some of these stories, like the son who's father borrowed $40k. I want to know if this father is going to be a decent person and own up to the loan & pay him back or if he's a coward and tried to use excuses...
Daniel, pls. take your gap year abroad & get your masters degree! You've worked diligently, will still have income from your rentals, & deserve a wonderful life experience at a young age. Youll come out w/ a very marketable advanced degree when alls said & done, whether you return stateside or not. As long as you dont go into debt, go for it!😊
Thx
Matthew call - you know Dave's mad when he says honey. 😁
What did the first caller call for omh
😂
Word salad. Little said.
Called to gossip and complain. I regret listening to it. I can't stand those type of people. Either do something or stfu
First call. The lady moved there in the 90s and still complaining of what happened in 90s? Im confused
I would tell the kids that Grandpa is getting old and his brain doesn't work right anymore he's sick and that would be the end of it
2:00:00 No Dave... (I sound like "HAL 9000" from "2001: A Space Odyssey") BRK shares (later called BRK.A) were getting to expensive (now about $610,668) for anyone to buy. So another lot of shares (BRK.B) were created at a faction of the price (now about $407.10) to allow more people/entities to invest more affordably. I believe these were crated from the float of an existing company and renamed.
Don’t rub the cruise in 😭 haha jk 😜 we can go in 26’ but not next year! Please keep doing it y’all! Wanna hang out with good folks like y’all. And I’m biased but y’all would love our little fam aboard 😊❤
@03:45 "Good! Praise God!" Papa Dave 😂😂😂
Yea Dave my people got hit a little in Barbados. They will restore.
I disagree with Dave that creating a competing agency and then inheriting clients from your previous employer is thievery. I shouldn’t be villainized if part of a fee market likes me better than it likes you. I wouldn’t do it to family, but I’d absolutely poach clients from previous employers if I can do a better job.
I'm glad Dave called that lady out on picking on her husband for buying a $9000 car when they make a huge income. Dave was right. She's being emotional instead of addressing the real issue. I bet shes the saver in the family or she doesn't like the car or both..😊
Is there a Canadian Every Dollar app?
You mean Eh?Very Dollar?
@@cookieforawookieoh snap…that’s witty
45:20 your dad put half the down payment. You returned it ALL to your mother. You took her side. Deal with it.
The caller from Skagit County needs to look at eastern Washington to afford what she needs.
Linda - you might need to move to another state. There are still states where you can purchase a decent house for less than $150,000. If you have a low income and few assets, in many cities like the one where my Mom lives, you do not have to pay real estate taxes. That could be a savings of $300 a month - and you would not have that advantage if renting. Also, you can continue to work from home part-time for several more years or you could rent out one room if you found the right kind of house and the right person. Taking care of your financial future is the most important step for you right now. Even if you have to move away from family, they can come and visit you. Take a 30 year mortgage if that's all you can qualify for and make extra principal payments. You sound motivated enough to pay it off as soon as you can. YOU are responsible for YOU.
Is amazon a good investment?
Not as a single stock but if it's part of a mutual fund group of 200 companies or more I would feel comfortable.
I got an interject one very important thing here. Second call I believe maybe first Carla I’m not sure 25 years old. He has put in enough time in the system to have a mess all the money he has and everything else he’s talked about. He’s not old enough by any means flat out face face lie
Dave is awesome.
Great financial advice.
But I only like Rachel as a co-host because she actually thinks for herself rather than just echoing Dave like others.
Delony is insufferable.
To be fair, it’s unlikely his daughter has the same pressures or potential to be fired, as the others have. No wonder she doesn’t need to “echo” Dave.
(BS7) cannot stand to listen to Rachel. Whenever she is on, I pass.
I only listen when it's Rachel and I only listen to Ken's replies when he's giving advice about jobs. George is a snob and makes comments that I find offensive, like only going garage sales in good neighborhoods because those are the people who have good stuff. Jade gives great advice but I can't stand her interjections like she's saying "amen" at a church.
The thing that bothers me about all the cohosts is that they forget to say things that Dave would have. They all need cheat sheets. So fortunately now I can tell if Dave's going be on because I only listen my car. Yelling when one of them says something stupid, unfortunately, doesn't activate the off button lol.
Uncle Rico
Ummm she gave her mother the down payment back and told her she could choose to split it with her father. She should have just split it! Dad’s not wrong here I’m sorry!
I just could not get to the crux of the matter with the woman who was worried about the trust fund... If they have a great life right now and they lose out on any benefit from the trust oh well..
It is a legal question for an attorney and, once again, the RS people answer questions they are not qualified to answer - and this team seems totally unable to say, "I don't know. You will need to check with an attorney on this one." The lady was calling in about an irrevocable trust which is different from a revocable trust. In general, a revocable trust can be changed at will, but an irrevocable trust cannot be changed without securing the permission of the beneficiaries as well. So she should be fine, unless there is some forgery going on with the original documents. I don't know if she has a copy of those or not. If she does not, the cost to hire an attorney to actually claim the money might cost her all the money that she is concerned about. What she could do for less money is simply to hire an attorney to see if the irrevocable trust is still in force or if it has been changed and then decide how to proceed from there. However, attorney's fees generally are upward of $500 and hour and that adds up fast.
She moved to be near them and they thought life would be one way and it wasn't. It sounds to me that those parents might be in the beginning stages of dementia because physical violence sometimes does occur when people get that confused. A lot of people aren't good at figuring out what to do. I think they got great advice. Move and just let it go. And I like when he said about keeping it in your head. It's difficult to stop your brain from doing that if but they could both agree on letting go, both see a therapist to get some advice on how to do that It would be a big help. I wish them luck.
Anna call - how much money could you possibly have lost by her becoming their maid? Let it go.
Europe man , just go ! Don’t listen to these people saying you need to work . If you have savings and can afford to focus only on your masters and have a break in Europe then DO IT! Be realistic with yourself about the good and the bad abroad !! Stay focused on your education and take the break you need! If you feel like you don’t have enough savings get a part time job out there 🤷♀️🤷♀️ I don’t believe someone can’t have a year break . Of course they can! We are human and he is NOT guarantee tomorrow’! So take that vacation and get your masters in peace not everyone can work and do school at the same time! And that’s OK!!! You’re not too old go do it!!! ❤❤
I wish it would revert back to the Dave Ramsey show. Or the Dave and Rachel show.
That would be dumb. He’s intentionally building the company around other personalities as he ages so that it can continue and do well even when he retires/ passes
@@johnparker4484 so you are saying his daughter couldn’t carry on?
@@snackman2005 (BS7) cannot stand to listen to Rachel. Whenever she is on, I pass.
@@edwardhale2412 she can be annoying at times. Not as annoying as the other co hosts. Sometimes she even challenges Dave.
The lady whose hubs bought a cheap car they could afford needs to chill.
I work fulltime, and taken care of a family during which even through baby years, I got my MBA and working on my 2nd masters. That dude can go to school and work. Man up!
Matthew get your money your mom left it to you, shame on your dad
they are not married yet and the guy must put his savings to solve the debt of the future wife? is she putting half of the property at his name? with all the problems nowadays specially in the west, its a big risk. A single problem, he will get no money and no house whatsoever . . .
Wait, did i miss something on the call about the daughter giving all 35k to the mom and then blaming the dad for being upset ? I dont think they asked about it. I feel whoever didn't get anything would be right to feel upset about it since it seems like you prefer the other parent. Why leave it up to the mother? You are the one who whats a relationship with your dad, your mom no longer have one.
Anything financial I agree. But, doctrine wise, there is no where in the Bible that says you have to "tithe" . I think people do it as a formality.
Leviticus 27:30 “A tenth of the produce of the land, whether grain or fruit, is the Lord’s, and is holy.” Proverbs 3:9 “Honor the Lord with your wealth, with the first fruits of all your crops.” There are a few more of those but that’s where the idea comes from, not a formality.
Dumb dingbat
@@TheGiggles1989 What I mean is in a church setting. I do not agree with that. Not giving my money to a church and not know where it is going.
@@BigWolf_87 Oooh. Yeah it doesn’t say that it’s limited to church. Personally, I give a monthly donation to local charities that helped me in the past
@@TheGiggles1989 yeah, now stuff like that makes sense because you know where it is going directly given you know the organization. I am for giving when it is necessary and all but for a church in particular, for all I know my money can be funding their life style. Like you I would donate money to organizations that serve a purpose. Or, even something like tipping a server at a restaurant for doing such a stellar job- something i do when i do receive good service. I think some people take it literally and limited to a church setting sometimes.
FANTASTIC show today! It’s always a good day when the GREAT and WONDERFUL Delony is on! 🥰
They are fast to tell someone to sell their house. Like, they don't know what's going on in the real estate world today.
Yes they do
I’m 66 ( like Linda) it’s highly unlikely I’m going to live 30 more years until 96. ( or would I want to unless I was in really good health) Dave is so unrealistic.
I wouldn’t buy a home she’s better off renting w a roommate
Still got to plan for having a long life and having living arrangements in your 90s.
Dr John, Why are you talking about breaking relationship with family members (sisters) thats not possible! Family is for life!!!
46:30 Maybe you should have given your dad his half instead of playing morality police/feminazi/divorce judge with THEIR money(not your mother's).
Glad I’m not the only who thought this. She was wrong for that.
Well he may have taken half of what wasn’t his in a divorce and left them mom with nothing… never know the whole story in 5 min??!!!
Embarrassing that a fellow TTU grad, at any level, particularly one who claims to posses a PhD, uses terms like "me and him." Please stop, Delony.
What's TTU? Texas Tech?
I think he claims to posses two PhDs.
@@kellibuzzard9431 Yes, Texas Tech. He got his first degree from Lubbock Christian, and then a Masters in Education and a PhD in educational administration from Texas Tech. He is not a clinician.
@@notgivingmyemail3381He doesn’t “claim” to posses two PhD’s lol. He point blank HAS 2 PhD’s. One in counseling, and one in higher ed along with a masters in education AND a bachelors in psychology!
@@Trustbutverify2651 Dr. John holds a Bachelors in psychology/ humanities, Masters in Education, PhD in higher Ed, PhD in counseling. That was a clinical counseling practicum (Matter of fact, John’s had his counselor practicum supervisor Dr. Michael Gomez on his show to advise him before.) John taught counselors how to be clinically licensed counselors and was an LPC in the state of TX before choosing NOT to get relicensed in the state of TN. So you are correct he is currently not a practicing mental health professional BUT he was one in the past and has the knowledge, credentials, and experience to speak on it. He’s also a former crisis responder with the police department and has extensive experience in how to counsel people in grief and traumatic situations! So NOT only does he just write about mental health, he’s also counseled people in practicum, and in real life messy situations and continues to this day behind closed doors, on stages, and on the phone.
Crystal you should have split it between ur parents! He may of sent that letter for closure and u were petty by sending one back! Bye Felicia 👋
May have sent.
"Of" is never a verb.
@@myoldvhstapesTy crystal
from ontario canada, I love both dave and john, they are the only 2 i will continue to watch and take advice from👏🏼
Sir how much do you earn a year? Plz reply. Thanks a lot.
He basically hasn’t even been on the planet long enough! Out
Who are you talking about? Timestamps, they help. This is a 2-hour long show after all
Sorry about that. The young 20-year-old 20 something.
Oh for goodness sake! Europe is a continent of over 40 countries from Russal to the Holy See. it's ridiculous to talk about Europe as if it is all the same. Would you speak as if everywhere on the continent of America is the same? Of course not.
Maybe he doesn’t know where exactly in Europe he wants to go? Maybe he’d be living in multiple countries? I know a couple on holiday in America right now and they have gone to multiple states, so rather than list out each state (some with very long names!) they simply say they’re in “America.” I think you’ll live 😂
@@bsacagawea Surely you don't think sovereign nations and American states are equivalent? My point was in reply to ridiculous comments along the lines, "housing in Europe is cheap"
@@grannythebuilder395 American states are not quite as distinct from one another as European nations, but they are different enough. I think regions of America might be just as distinct as nations, however. Your experience living in the Midwest will be very different than living in the Southwest for example.
@@grannythebuilder395 I’m just saying, using “Europe” as a shorthand in casual conversation and in this context isn’t a big deal. It’s not like Dave’s advice will be any different if the man had said Germany (or wherever) instead.
We are going with both term life insurance and universal life insurance so that we can be participants in infinite banking and velocity banking.
Clicked for Dave, can't stand the rest of them anymore 😂
I completely agree. Nobody does it like Dave. I would prefer that they do the show less than keep going with the other personality’s.
Same - I don't watch any other shows. I'm sure they see the numbers. I will occasionally watch a Rachel/Jade/George combo show, but Ken Koleman- no thanks.
@@cookieforawookieKen Coleman is my second favorite!!
Some people are just one of a kind…Dave Ramsey, Paul Harvey, Rush Limbaugh
@@cookieforawookienumbers are up without Dave
I bought the academic dr. John firsy book for $10 bucks & threw it out after reading chapter 1, 2 & 3. I listen to The Ramsey Show so I know the PhD knows nothing about finances. I thought he knew something or could write something interesting I wouldn’t even donate his book, I threw it away.
Dr. John’s books are AMAZING!!! Literally life changing. They wouldn’t be #1 bestsellers if they weren’t so you just are terrible at comprehension or you just didn’t pay attention at all!
Just throwing around a negative opinion is useless. Why don't you give the reasons behind this opinion. You say it's trash. WhY? What's wrong with it. Where are the faults. You basically sound like a disgruntled loser
Well you're just something special, aren't ya?
@@paulashealthylivingHe’s nothing more than a loser. The books are AMAZING, and life changing. Probably just jealous John has 2 PhD’s and is successful!
The reason all of the RS books sell so well is that they are constantly marketed on their program to all the faithful. I wonder how they sell to the general public who have no connection with RS.
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