I’m 86-Years-Old and Broke 

Duh. Wake up, George ! Her best option is to rent out rooms.

​@@user-lf2lf6wy4zAbsolutely, rent out a room. George is lame!!!

You can make upwards of $5k-$10k a month delivering pizzas or mowing lawns. This caller needs to get out there and go after he goals!!! 💪

@@JayWin70 I disagree. If she rents out rooms, she might find herself with SQUATTERS who mooch off her and refuse to pay rent. The law protects THEM.

​@@costco_pizza😂😂

What else is he supposed to tell her, to keep digging a bigger hole of debt? If she doesn't want advice, then she should not have called the show. True at 86, you really don't have any options anymore because you have pretty much run out of time. But she called, so she wanted some advice. What else could they have told her if she wanted to get her debt paid off?

That’s not an option! You you tell your Mom to get a job at 86 and have a life threatening disease. Someone needs to start a go fund me me for her. Sale home and get into government housing section 8

@@vickieclark5931 He could have told her that he had nothing to offer her. He could have told her to consult a lawyer. He could’ve done anything other than give her the ludicrous advice to sell her house and get a job. She is unemployable at 86. Her house is her homestead, so it’s protected from her creditors. She needs advice from someone other than the smug George Kamel parroting the talking points Dave handed him.

@@vickieclark5931 How about the host having some compassion, Vickie? Is that possible?

I remember when Ken asked a caller how much he made and then responded "EWW" 😅

This guy is a idiot!! She can get help with food stamps for food. Forget the 8:40 cards. She should keep her dog. And then he blames her for not having money to retire comfortably.

What do you want them to say? Money isn't going to just fall out of the sky.

She can 86 their advice

​​@@thestevenator The problem with Ramseys is there advice is robotic. They don't care about context or if there advice actually harms like in this case. They are selling there brand at the expense of an 86 year old woman What i want them to say is give realistic advice. Not all of there's is actually bad in this call. Like yes. Get rid of the dog. But they are trying to put an 86 year old woman through the baby steps. It's absurd

​@thestevenator selling the house and living with a roommate or family. Getting a job other than maybe babysitting is absurd.

Please dont tell her to deliver pizza.

And she needs some math lessons

Yeah that's so wrong. Keep the dog!!

Hopefully he loses his no talent RU-vid job! He’s an entitled twit!

@@user-ko2fq2hg8b Be careful, life has a way of humbling you!!

George is the worst!!! This show and hosts are clueless and lame. I'm out.

So often, children of aging parents have to leann in with a heavy hand and make the tough decisions .

Agreed.

You can make upwards of $5-$10k a month delivering pizzas and driving Ubers. This caller needs to get out there and go after her goals. She will be able to clean this mess up in no time!! 💪

But she can clean up after a dog and feed it?

@@discofishing Well, this guy host should specify what an 86 yr old with cancer can do if someone would actually hire her, right? Not just say get a job. Like what? Pizza delivery, Walmart? Feeding a dog is done at home. She probably has a garden so the dog can do its thing outside. And she has the freedom to do what she wants with her dog unlike when you have an employer. Yes, I am taking your snarky comment seriously.

@@Bronte-on6tm DISAGREED, get out of your feelings and look at reality for what it is. Its not the universe's fault she didn't save for her lifestyle at retirement.

True, unfortunately.

unless she lives to 100. then the credit card companies garnish her SS check to get their $

Social security can't be garnished anyway so yes

Declare bankruptcy. Get the debt restructured. she'll pay something, but not he massive interest that's burying her.

At this age, it makes alot of sense

He's pushing her because she's making all kinds of excuses. He doesn't actually want her to get a job

I cannot believe not once did they mention seeking help from social workers to see what assistance is available...just said welp it is what it is cut cost and increase earnings. These hosts deserve getting roasted here.

@@m3932213 Probably because the Ramsey show is very right wing, pull yourself up by your bootstraps and don't rely on the government for anything. I don't think that's necessary bad to hear for young folks as they need to work and take care of themselves. But by the time someone is 86 years old, the horses have left the barn. Time to either die in debt or seek assistance from God, children, the government or anyone who is listening.

I agree. Sometimes dog rescues will give a bag of dog food to low income people. I think that she should see a social worker to set her up with resources.

Get rid of the dog, move somewhere else, get a job. Dave doesn't have a magic wand my dude.

@@fishroy1997 yeah, at 86😂 let’s get her on the assembly line

@@gessrinky9129 purposely obtuse. 🧠💥

I agree.

They gave her options she turned them all down, like what magic wand do you think Dave possess to fix this situation? She's drowning and won't even move in with her daughter because their "personalities clash"??

She is acting as a child.

@@davidfairchild1640 I guess you don’t respect your elders either.

She can't work at her age. That's just dumb advice.

Many irresponsible 80 year olds. They should be ashamed of themselves.

oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

Exactly. She should not sell her house. Especially in FL where rents are sky high. And if anyone tells me to get a job when I'm over 80 years old, they are getting punched in the face.

Life is tough. Time to stop coddling people and face the music. Stay out of debt when you're older

Plenty of people work that long or longer. In fact a lot of people stop working and then die.

@@fishroy1997, I don’t know anybody working at 86 years of age.

It appears he got the advice straight out of textbooks rather then common sense.

Well... technically she could be president of the US at that age, j/k. Sadly, her best option is probably to sell the house and downsize into a rental

oe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

And the stress of her working will just accelerate her into her grave. Your last years on earth and you can’t even try to enjoy them.

I know but what is the alternative???

Right. I'm listening to this, while working and I turned my head like, "what". She's 86 dude, TF.

@@thesuperdingos She had her fun already obviously, now its time to pay the bill like the rest of us.

Not really, she made those decisions

and she has cancer

​@@whatevergoesforme5129 oh my goodness, my mind must have been wandering. I didn't catch that. That makes it a million times worse. I really do wish this woman the best and some good solid help!

Blame the system or the government not the man. Cuz you don’t know their history

NOOOOO the blame is on women for picking shity badboys or scaring off a good man

Yep. I'm only 50 years old and work a very white collar, non-physical job but I feel the effects on my body and mind after working 40-50 hrs each week. I can only imagine how little I will have left to give for work after age 70. If anyone tells me to get a job after age 80, that youngster is going to get punched in the face.

@@kensmith2796 At work, I was at my desk and hitting my forehead, frustrated because I couldn't remember how to do some things that I had done on my computer previously. So I retired last year at age 68. I can't imagine 1) trying to get a job at 86, and 2) trying to do the job if somebody actually hired me. I felt the urge to punch George too.

What advice would you give her?

Totally agree 😢 good lord - quite upsetting actually. Just imagine how she feels 😢

Maybe she needs to get a job so she can pay these kids college debt. She don't need her SS she needs someone else's debt. See how bidenomics works

Ramsay Show doesn't exist to serve the guests, it serves the audience. There are important lessons to be learned from this woman, and those things need to be said. The sympathy should fall on the government via SS, Medicare, and elderly assistance. Ramsay is not a charity.

I agree, he was cruel and showed no empathy.

Exactly. She might have 5 years. George is ridiculous

Callous to the core, he’s very arrogant.

Oh that’s his name, George? George you are an asshole. If he can be so disrespectful to an very elderly person, imagine the kind of husband he is?

Why do you listen to this show? It's for robots

YES! There are at least a half dozen colleges in Jacksonville, FL. The rent should offset the increased use of utilitities, and it will help pay down her credit card.

I like the idea. Too bad the hosts could not think of that.

Great point.

Love this suggestion. Solution oriented.

A job!????? Give me a break.

I was surprised they didn't offer that help with managing her finances.

Agree!

100% agree. What happened to respecting your elders! Omg!

​@@v-2010who cares about the decrease to the family, she needs to live! Forget those credit card companies. Some of you are a little too neurotic about leaving "something" to your family and legacy. Leaving a life insurance policy should be enough. The grown-up family will be fine.

They shouldve said, sell the house pay off the debts move into a fixed income senior community she could afford. OR file bankruptcy, she will keep the hpuse and car, debts gone. Greeter at walmart to make the 200 a month she needs.

@@v-2010credit card companies can’t get the equity from your home or take it

Hopefully Dave can call the lady back too!

I know right! I am disgusted !!

They turn the comments off first

@@stewbugz5213 I would love for them to reach out and give some real advise like get connected with a social worker and/or church. George was literally trolling her by telling her to get a job.

Which part was bad?

I’m pretty sure George probably killed her by being such a prick during this call. Hopefully his karma is quick and Dave cans him for this!

Let me guess? Your WHITE? 50+? TRUMP supporter? If yes to all 3, your comment fits your mindset

And his crazy eyes! He creeks me out! He was awful to her!

Much better advice than elderly hating George!

Agree. And I have seen a lot of other good advice suitable to her circumstances from other commenters. Answers should be tailored to the needs of the caller and not a one size fits all. Even a reverse mortgage might be helpful since with leukemia, she is nearing her end (even though I know reverse mortgage schemes are rip-offs and a big no no for Ramsey and his cohorts like CC). However, this guy host and some heartless commenters here prefer that advice be given with put downs because a caller should not be thin-skinned or a snowflake, according to them. What good will shaming her do her now? She knew that life sucks and no one is making excuses for her mistakes. It is what it is. And I don't buy the excuses of the shills here that this was done to warn us about not saving for our future (as if we don't know that already if we follow this show LOL). The old lady was explaining her expenses but they did not want to hear her out. Had they listened they could have told her what to cut (aside from the dog, but she needs it for companionship since people are not robots), what to sell (not just the house), etc. But they just stuck to their usual script without any nuance. She has issues with her daughter, so now is the time to tell her to make amends since at her age, she should try to create good memories with her daughter. This is supposed a Christian-leaning show, right?

❤

I hope so. It's well deserved. And I'm shocked at the sanctimonious, heartless, holier than thou comments from some of the posters on this thread. Sickening.

I doubt it. Someone on the team CHOSE to post this call as a “highlight” of the show.

I think so too. This will probably be strike 2 for George. 😂

I wouldn't be surprised if Dave agreed with them too sadly

Dave don’t give a fck unless you’re lining his pockets with book and app money. Stop praising any of these people.

Most of them are not helpful. I bet she felt gipped when she got them and not Dave. It looks like George is popular, but mostly as entertainment and flippant advice. He is too young to help most people.

Excellent point.

I believe Rachel would have handled it well. Learning experience, George.

Yup George knows nothing accept for what hes been force fed. His ignorance was on full display here

I mean, don't you have a grandma, George? I do. And she's also 86. I know how to speak with an old woman. George does not.

At 86, should she still be driving?

Amen! You should work for Dave, not George! My vet does free work for elderly and for service dogs.

@@stewbugz5213 thats is super kind of your vet

He just stated a fact. If you find it hurtful its because deep down you know its shameful what she did.

@@kleindropper She didn't do anything shameful. Women always earned less, had to work harder, etc. I had a job once in the late 70s where a male temporary, part time employee, I discovered was earning more than me a permanent full time employee! It was not easy to save or prepare for your future. Things like IRAs, etc. didn't exsist. There was no internet to instruct us so you had to track down books to learn about personal financial management. My library had maybe 6 decent helpful books. Thanks were so much harder.

@@kleindropperand kicking someone when they’re down is not shameful?

​@kleindropper how is it shameful? What did she do? Most likely get married (at age 86 she likely married before having her kids as it was 60 years ago...) she had kids as is societally expected and encouraged, and the husband and her divorced and he didn't ever financially help the family he helped make. She also said she had more than one kid and was a pharmacy tech. There's nothing shameful in supporting your kids as she did. She never rose above a certain level of income but you don't know why, nor if the reasson is shameful. She could have dealt with illness amongst her family, had to help her kids or grandkids with God knows what health related, or anything. You don't know. And it's bizarre you would call her a shameful person based on the info she gave.

@@jenniferwildflower4249 Its shameful not to plan for your future, and be responsible; now someone else will likely have to sacrifice their plans and dreams and take her on as a burden.

Yes

Yep

The problem is that Ramsey created a bunch of bots that can only repeat the 7 steps without thinking situationally

Truth!

What about Prostitution?

They are acting like behinds towards her. Respecting their elders isn’t their strong suit.

She shouldn't have screwed around with money for 86 years.

Yeah, who do they think they are?? Dave

​ She worked til 80. You don't know the details of what she has provided for her family. She also has leukemia which is exhausting and sometimes long term condition. A little Grace is often appropriate.

It's not the first time.

George is a child with a communications degree

Right.

Yeah but spending money hasn’t changed. Remember living on less than you make has never changed

@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap

@@adanaranaa yea used to that was just what you did. Sounds like she fell into the trap

if I were her daughter, i'd say, get rid of the dog, and we'll help out.

She is entirely to blame. She hasn't asked for help from daughter. She got a pet that will automatically add expense to a lifestyle She worked as a pharmacy tech for decades without planning seriously for the future. She should have made different choices and now she's facing thr consequences. You are too delusional and soft

@@janelleg597 It is mathematically impossible for everyone to succeed in the modern economy. If everyone tried to follow the Ramsey plan, or any other prudent plan along the same lines, the entire economy would collapse. The entire system is propped up on people doing and buying things they can't afford to do. Once you understand that, and accept that a large majority of people are inevitably going to be in a bad place financially, you can start forming valid opinions. Let's talk facts about her case. She has a paid off house, valued at ~200k. She has an income of ~$1200/mo. She's short by about $200/mo. She has family. This is an easy problem to solve without cruelty, or suggesting an 86 year old woman get a job, which, let's be real, is an imminent death sentence. Selling the house creates a $10k/yr income simply through investing in treasuries. Moving in with family reduces her spending and daily effort. It's really as simple as that. She doesn't need to go to her daughter begging for cash. Just moving in and sharing some expenses is all it takes.

​​@@janelleg597You forget that she has a paid off house and car?! Oh! And she has a luekemia for 21 years. Medical bill is no joke! If she has a choice, I'm pretty sure she will choose another disease over a luekemia.

It's a great thing to say get rid of the frickn pet. She can't afford it

She's investing in the wrong roof

Just like not saving for retirement

This is exactly why the show I’ll go downhill without Dave. No one has his talent and finesse

@@owencline6182 It's already past that. She cannot change her past.

@@jimmymcgill6778You’re correct, but some mistakes are unfixable. It’s not always fair, but many people effectively kill themselves because of their lifestyle choices between ages 20-70, financially or health-wise.

What fairly world do you live in?? 😮 Rude and irresponsible?? Dave says that all the time!! Definitely detecting some bias here!!

Single mom is her own doing. She said she worked until 80.

I am starting to think this is all a joke to him. He is playing with people's lives. He has no empathy, and likes to think he is a comedian.

guess you wont be buyimg his book huh?

Me too, I hope Dave reviews the advice these two gave her....I don't think the hosts considered her age & having leukemia...I disagree with some of the advice they gave her. Dave if these hosts were wrong I hope you reach out to this caller, bless her heart😢💕🙏

Yeah, why’s she worried about her credit score?

Exactly. What are they going to do, trying to put a lean on the house? Chances are they won't even start seriously hounding her fpr the debt before she's dead

Do you ever worry about it?

She needs her credit to make ends meet. If she stops paying she can’t charge anymore. I think renting out a room would be her best choice. Or doing online reviews of products. I know someone that probably makes a couple of hundred a month doing that. They mail her products, she uses them and reviews them. I don’t know any details of how to do that. But you could Google and maybe get more information. Her story breaks my heart. God bless her.

I just saw an episode with the two of them, it was unbearable. The caller couldn't finish a sentence and didn't get any financial advice, just judgement for her life circumstances and no solutions to her money problem.

George is a Ramsey Robot. All he does is regurgitate the baby steps. He does not have an original thought in his head, and when you combine that with his arrogance, you get calls like this where he is rude, dismissive, and completely lacking in empathy.

That’s because these hosts are just repeating Dave’s talking points(the baby steps) they aren’t natural to this thing like Dave. They can’t adapt to individual situations.

I mean that's what you get when you have personalities who just regurgitate whatever Dave says. The mark of an educated professional is nuance. It's an excellent filter in this age where people online say whatever sounds good to them and then have the audacity to put themselves in a position to offer advice to people who need actual help from real professionals. To mislabel oneself as a professional is reckless at best.

@@Nonsense116 I could have given this woman so much better advice such as she shouldn't sell her house and buy another or move into a regular apartment. She needs to check into senior houseing that here in PA takes 33% of your income for rent, food stamps, check into Medicaid for any senior programs. I don't get health insurance through Medicaid, but I am on another program where they pay my medication co-pay and other things. The problem is these two think about retirement from the vantage point of having a chunk of money in the bank for retirement while some of us never managed that. Although I do have some now. But there are programs out there that can help and they need to know about them as none of their advice was helpful.

Joe Biden will be 86 when he completes his second term, if elected. He is running the free world. I think she will be ok checking receipts at the supercenter.

⁠@@LivMYlif3what the heck are they doing on the show then? And paid for? This show will tank post - Dave

Typical. Run to lawyers to try and shirk your responsibility. And we wonder why our society is crumbling at a record pace. SOMEBODY HAS TO COVER THE COST OF HER SPENDING. I remember when people were honorable. A lot fewer lawyers were needed back then.

@@kleindropper No, my friend. When she dies, her house will be sold and her estate will have assets to pay off the debt. And your ignorance is exactly why she needs professional help - not input from grumpy strangers looking to judge.

@@erzabetf9544 I guess I've never needed professional help to pay my bills and likely never will. It's a wonder poor people need lawyers for basic things like paying bills LOL.

@@kleindropper Aren’t you lucky that you’ve never needed help? Yes, lucky. Because it’s obviously not your brains that have kept you solvent. 😂

And who's gonna pay that lawyer?😅

Indeed ❤

Well, for all you know she was a terrible mother. I'm also curious how many cousins you have. Have you ever had to deal with an 80-something on your own? I have. It can destroy your life.

Yeah, us Americans kinda suck for many reasons. The "I got mine to hell with anyone else" mentality is one.

please your culture is toxic... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages

please your culture is ***** ... mothers baby their sons and the fathers allow it, which in turn makes the next generations on guys who expect their wives to act as their mothers... obviously she isnt what you are plus many of you live together which is bad for marriages

Yup. This is why I think the show will end when Dave leaves.

I know! "You're getting what you deserve...get a job despite your leukemia and get rid of your dog". Heartless!

Yeah, that sounded pretty bad. I could see saying this to someone that is 50 years old and still has time to motivate themselves to prepare for retirement. But at age 86, the horses have left the barn.

@@kensmith2796 Agreed. At age 86, the horses, cows, goats, and barn cats have bolted the barn. The caller needed advice, not judgment.

Zero compassion.. A jerk is an understatement!