Dave, I've Been Dumb! (I Co-Signed On My Ex-Wife's House) 

Big Facts.

@@RoyalMasterpiece amen

Sounds about right

He did what he thought would be best for his kids -- and I think he would probably do it, again -- unless he sat down with his ex and they came up with a better solution.

almost always yes..... but when its your own kids, that's gonna be each individuals decision and what it is

Exactly

Especially when they do it to themselves.

Yes this is why is said it’s the help That I didn’t get and do that help me the most.

Maybe he’d rather co-sign than have the kids live with him?

But the family court said otherwise

Depends on who has custody.

The courts award custody of the kids to the mother 98% of the time, so I doubt the kids can stay with him. The courts would tell him no.

Seems to me she got to get rid of him but kept his money in the form of alimony.

Yup

The IRS has nearly unlimited power to go after you.

They act like their “rules” matter, but they don’t. I wasn’t allowed to file my taxes the last year of my separation. Because my ex stamped his feet and got the lawyers to agree we would wait until after the decree. In the mean time, one of my grown kids lied on her taxes and claimed head of household when I was supporting her . iRS was like oh well she lied and we accepted it so you owe us. Horrible system.

I elected to automatically pay my state taxes in Louisiana- set up the EFT and gave the LA dept of revenue permission to pull the taxes whenever they wanted. They pulled them in full from my acct 2 days prior to filing deadline. 6 months later I received a letter saying that I “didn’t pay on time” with 32% interest and penalty fees added by the Dept of revenue. I called and asked why… the agent told me (and I quote) “well, early is not on time, so it will be easier to just pay the fee and move on otherwise we will have to open an investigation and continue to accumulate fees and interest”. In any other scenario this would be fraud and extortion but since it’s the completely immoral and unaccountable govt employees involved, no justice will be done. Thank God it was only around $1500 all in, but it just felt evil. The government has become evil.

@@crossfitruston3632 even if you do right they penalize you

She wasn’t saying it was smart; she was just saying at least his idiotic decision came from a place of love.

A mess

She said "trying". She didn't imply that it was successful.

And them NOT co-sign.

Then?

He probably didn't want primary custody. He had a new hot girlfriend 😍 😳 😏

@@kayn2756 could be true

@kay N kind of a weird assumption.

For the sake of the kids so they have a nice place to live

He probably felt guilty for leaving her for his secretary. Guilt makes you do dumb favors

@@TheHoriginalppl need to stop doing stuff especially dumb stuff for kids

Probably still love her and want to support the kids is the lie he tells himself.

Sounds like she milked him in marriage and in divorce, this guy just bent over and took it. I bet she sleeps like a baby knowing she owes the IRS 100k when her ex husband has a net worth of 1.6m and needs to bail her out.

Men really need to wake up.

He probably left her tbh

@@Ovulations women file for 80% of divorces, so probability says otherwise

So they’re abusing the child support smh

tell them it's time for them to get a job... or three. problem solved.

Dynamic Duo!

Yes sir that would be me.

Indeed I have. Until I got a good handle on how the baby steps worked together.

Yep

No. You are the only person on the planet that does that. Nobody else does it.

Hi

He has to get her to agree to sell though.

He is a fool and if the mother can't afford the kids, then she shouldn't have custody. He's teaching his children how to be a simp.

He was thinking of the kids, but he forgot one of the cardinal rules of debt - never co-sign anything for anybody.

He should’ve filed for full custody then. Simple as that

100% she does have another man

$10 says she has another man in the house.

I'll bet she does.

I never received any child support but bought my own house while fully supporting my two children to adulthood. As a single mom, I don’t understand anyone who does not pay their own way. Responsibility for one’s own actions is a requirement. That way we have no one to blame but ourselves.

They always have another man in the house....I am not saying that OJ should have done it, but.........

Hopefully the ex agrees to it.

definition of beta male LOOOOL

That's right!

Well that’s kinda making a molehill out of a mountain, isn’t it?

Lol

Your

It's easier to get along with someone that you can just turn off.

It gets the IRS off Her back. But I think you’re right

She owes the IRS, plus she owes the mortgage, right?

@@linuxsurfer2002 the mortgage has Tons of equity

@@PInk77W1 Yes, but that only helps if she sells the house. I'm saying her debts are good reason to sell the house.

@@linuxsurfer2002 you are using reason. I don’t think girls use reason

Lol

simping, whimping.................

Dr John is great as well. He's the best at balancing dave with a completely different perspective. He's the only personality where Dave learns something from them.

😂

Probably was at one point.

Then kids ruined it.

She's not trustworthy, for sure. Everything needs to be part of a court order and/or contract from this point on.

My thoughts,too.And that may explain his choices, motivated from guilt. There may have been infidelity on his part.

Family courts are not finance people; mom gets the kids 90% of the time… they make sure dad covers any shortfall.

A lot of men don't want that full time responsibility.

If it gets rid of Karen, so worth it

@@PInk77W1 If you never married Karen, you wouldn't have to be a simp......does that make sense?

@@formula112967 if your mom and dad hadn’t married, u wouldn’t exist. Does that make sense ?

Yup! I learned this the hard way. Got divorced 19 years ago, recovered my losses, and haven't cohabitated nor remarried since.

Not huge on marriage myself I don't ever envision myself getting married, too much risk on my part, but cohabitate? If my girlfriend lives with me I don't see too much of a problem or risk IDK maybe I'm wrong.

Only Dave simp Ramsey advises men to pay stupid taxes to women in a case like this. No, he should play hardball and go for full custody in court and get the family court to remove her off the home with a court order. The lender can remove her off title with a court order.

Don't cohabitate. It's unfair. And someone has to marry and have kids or there won't be any.

@@Jim_Curtis good idea, should be easy to demonstrate irresponsibility on her part and she's in danger of being on the street with the kids. But what will probably happen is they will order him to pay her debt and then they will charge fees.

This. I’m a wife and mother - children should be with the better parent, if being with both doesn’t work out.

You only know one side of the story.

He’s probably busy at work all the time and couldn’t take care of the kids day-to-day.

Like how?

What About in ny? Does it cost anything?

Giga simp move

Sure, but life is just more complicated when you add in women and children.

Smart

Smart.

Which is very good advice.

She has no money. Waste of time to blame her

Either pay her to sell or go down with it! It’s actually pretty simple yo and she’s technically not the blame, cuz he didn’t have to co-sign for her

@Jimmy McGill According to Jim Roscovious, your comment would be considered "trolling" since you dare to disagree with Dave.

No he did not say that. The lien is 100k. Dave says sell the house and use proceeds to pay the lien. Not sure what the 10 or 20k would be for, honestly.

@@PInk77W1 SO. It is her fault for not paying it. Now he can go to the court, and the kids can now live with him.

💯

Why would he? He’s a good father, he obviously wants his kids to see their mother as well.

@@eos_2366 Him getting full custody does not mean she is denied visitation rights to see the kids. But she obviously cannot manage money well enough to provide the kids a stable home. She's wasting money on other things because he's providing enough.

in some things maybe.....but not in his finances....he said he has 1.6m

Maybe things need to get spicier. Maybe more people need to see the wolf at the door. It is what it is.

Most men are decent and will sacrifice their own happiness to make their families, especially their children, happy. Some men are also stupid and naive and gullible. He's in the overlap.

@@laurendearnley9595 I admit, I was that guy. I wised up.

Maybe he felt guilty

That’s my guess.

He's a softie and wanted the kids to live in a nice house. Would have been better if he'd bought the house, she made payments to him and he could later transfer house to her if she'd kept up. I hope he doesn't help her again. They're divorced after all.

Recycle, rinse, and repeat. Most of these videos show the exact same thing. Riding on his coattails.