My In-Laws Want Their Money Back, But We Don't Have It! 

Yea like the In Laws can be mistaken for an ATM ! Wish the In Laws could be on another phone joining the conversation !

@@ag4allgood X-2

Yep

It’s almost like she sounds like she’s lying through her teeth. I can’t say that I like her because I don’t I don’t like Dave stance on this I don’t like he doesn’t feel like they could charge interest and I don’t like the fact that he makes it sound like it’s the parents fault, this couple was never going to pay them back and I don’t agree with how he is putting that out there I doubt if the parents other ones that are petty she sounds like she would be really petty herself

Russel … spot on

actually her in laws are pretty stupid for giving someone a 10k loan without having her sign anything at all they legally don’t have to play em back at all

Exactly! Totally agree with you!

If you have to have a legal agreement drafted up when your parents lend you money to help out I think that speaks for itself 👍🏼

@@fellspilts3932 You can't be serious... it's their son, if they have to make him sign papers in order for him to honor his word with them then he's a pos.

Zsa Zsa

Absolutely MORTIFIED. 😮

@@caseyhill636😂😂😂

Never had that option in life. I left well before 18...when things didnt work out calling anyone wasnt an option. Leave it all there and start walking, welcome to being homeless .That was over 40 yrs ago.

@@gordocarbo I left before I was 18 too. I waited tables and rented a room at 17 with 4 girls who were in college. Why did leaving early lead to homelessness for you?

Give them more like 20k. The market has been going gangbusters.

Worse for her husband. Like that is your parents. Why are you taking advantage of them?

And not even one penny. Its just sad and pathetic.

Want to bet there’s a long list of holidays in foreign countries, expensive restaurants etc. Un-f....ing believable the unmitigated gall of some people. You’re a doctor and can’t pay back 10 grand in 10 f...... years. TOTAL disrespect for parents.

@@carpediem6431 BINGO

That money is depreciated, not worth what it was when they borrowed it, and they “can’t pay it” on their income. Shame on both of them, but specially the son!

yep. if you loan money to family its as good as gone..

Leasing/buying that car was like a slap in the face.

Exactly. Making $150k? They should be able to pay that back in a year.

I didn't get a sense that it was completely clear that they were to pay them back.....which is a problem. There should be clarity as to whether the money is a gift or a loan before the money changes hands. I remembered when I was saving up for my first house my Sister/Bro-in-Law offered to lend me money for a down payment I thanked them and politely declined their offer. I would have paid them back certainly, but I don't like borrowing money from family. It's not worth it.

@@dev_with_me Not with all of the debt they have.

disgusting

she can't repay a loan because of a FRAT boy

and looking for a way not to repay

Just another one of those "little" things they get easily offended by

Selfish, both of them. That guy is not a man in my eyes having her call and not paying the $. My Dad woulda beat the stuffing out of me and taken me to court. 10 yrs!!! That says it all right there.

When did she say it was a gift?? She never said that.

And I don't think it's the in laws that get offended easily, it's really probably her. And I can think of 2 reasons why she doesn't want to have in laws around in the same town.

My thoughts exactly, shame!

They bought big screen TVs and electronics 👀

@@Black_Jesus3005 take it back this moment!!! Big screen TVs are important, a must I'd say, a necessity. I'd rather walk or be poor than not having a big screen TV. U bigot

RIGHT!

That's an emergency fund prolly

My thoughts exactly

Yes. They basically put the temporary discomfort of paying back $10k over the potential of damaging their relationship with his parents. Clearly the parents haven't forgotten this and must have been hurt for years about it.

Why are they getting 30+ grand cars when they owe money to family?

@@channell11 My thoughts exactly. They make decent money there’s no excuse

Not true at all. The caller said why... The in laws are very clingy. They want to follow the couple across the country and move into the same town. The inlaws have serious boundary issues. I have a friend who's wife's family has boundary issues. Adding to the problem is the wife's mother is a hardcore bible thumper and very very image conscious. She is also a ripping gossip. Anyway, during the construction of their new home, the in laws were there every day. After they moved in, during the decorating phase, mother in law basically decorated or at least tried to decorate the house the way SHE wanted it. My buddy had a heart to heart with his new wife. A decision was made. So the in laws made their daily run to the house and just like always, no knock or ring, just walk in. My buddy and his wife sit them down an tell them , they need their privacy and space. That there would be no more "just walking in"...And, if they wanted to come over, they had to call first. No more of this 'just coming by'....Naturally the in laws got very offended and protested......In laws took a LONG break. In the end it was healthy for the relationship. It all worked out.

I agree

The borrower always thinks that the lender is offended when they don't pay back the lender's money.

I totally agree

The one that’s offended is the one calling the show the in-laws just got tired of waiting for their $10k.

This caller is awful

Ungrateful

They will learn , hopefully they get the same type of kids they are.

Yup snd she says a lot of "we" even about medical school.

@@ecclairmayo4153 I assumed they were both doctors but I guess if they only make $150k you;re right it's only him.

In my opinion, you have said it perfectly.

@@DougAlesUSA Thank you, kind sir.

Unfortunately, this is the logic of most people

@@0mnilegacy Idk if it’s logic, but it’s definitely something, and I agree it’s most people. Attitude or mindset maybe.

You called me out with this one. 😂😂

@(The Ramsey show - Highlights) You scammers have nothing else better to do?

exactly 1000 a year wouldn't have hurt nothing.

@@BetYouHateMeNow more like 2.73 dollars a day. Lol

Marquest Anderson yeah like you’ve been working for a decade now, how do you not have $10k somewhere?

@@marquestanderson1388 LOL yup: that’s your cup of morning coffee, and it’s paid off!

I don't know about you but I expect more mature behavior from the older parents that loaned the money then from the young adults who accepted it. The older adults should have known better than to borrow money to their children.

@jamisojo... I disagree. They are not, nor were they, children.

I was thinking the same thing, $100 a month and it’s done.

I owed my ex father in law 2k for help when my ex and I bought a house. That debt bothered me for a long time. even after I ended up getting divorced and filing bankruptcy it bothered me. Well about 5 years later I was able to scrape up the money and paid him back with interest. It was the correct and moral thing to do. I felt better about myself and was able to sleep better so to speak. Even though we rarely saw eye to eye he accepted it graciously!

​@@jamisojomaybe the wrongly assumed the son they raised had a conscience and wasn't lieing when he told them he would pay them back when he could afford it.

Yes, be this person. Family is important. Don’t mistreat them financially because you are young. Elder need their funding too.

Exactly! It shouldn’t be on them to come asking for their money. They are probably avoiding asking to not cause any awkwardness. The person who borrowed the money should be the one trying to return it.

Except they never talked about how much the mortgage payment is. Could be $5k/month depending on where they live.

@@username00009 then that just makes them even worse kids for buying too much house when they owe money, sell and buy a smaller house.

@@username00009 they live in North Carolina. It’s not that expensive

True but rarely can someone empty their checking account for an unexpected bill. They still have a mortgage, light bill, car payment, groceries, etc.

@@euenfheiejrj believe me… Raleigh is expensive AND def big houses down there

On top of that they bought a house with a mortgage with 100k in student loan debt.

@@TheLivedeath And what bank would do that??????

30000 for a car😮 whats wrong with a 10000 car

Unbelievable.

there is no money in america right now

she alrready knew that

she knew it was not a gift and said so from the beginning. It just was never a priority

Yes, her responses said it all.

This

Great comment 👌

Car is a lease

They will not tolerate your insolence! Rightfully so, I’d say.

Exactly!!

@Dementia Joe too much there.. she didn't even count her student loans as debt!!

@Dementia Joe They make 130k, a 30k loan on a car is not the problem.

@Dementia Joe Listen to Dave, follow his steps. Dave clearly says (many, many times) as long as your vehicles do not exceed 50% of your annual income you are ok. They are at about 23%, their 30k vehicle loan is NOT the problem

@Dementia Joe that is going forward. If you already bought a car then you pay it off as part of the debt snowball if it is less then 50% of your income. That is what Dave says, listen to his advice, don't make up your own rules and do Dave'ish

@@paulinoaz If they didn't owe the inlaws 10K it wouldn't be an issue.

I agree

That “we” sounded like a wife who thinks her husband’s medical degree is half hers. Lol

@@genxx2724 lol I thought the same the 150k gave it away

I was a premed student, but dropped out after I sat down one day and did the math. The numbers were not good and I decided to go another way. It was the right decision.

Exactly I’m so confused. I’m no doctor but I have many family members that are. They make so much more.

She has more than ten thousand in the bank.

When they asked her debt and she didn't include her inlaws is a big clue shes not paying it back

Yeah it's insulting them to see them making that much and still not paying them back.

Then they should have had a written agreement.

@@deanalbertson7203 it’s tricky when people are just trying to be nice and friendly though. But I do agree with you

@@thoughtswordactionbeta6959 not really - she didn’t include her car payment or student loan either. She just sounds financially clueless.

Family and friends typically can't garnish your wages.

Exacly take of those who believe in you when you had nothing to back you up

Wrong ! Dond borrow from them in first place.

@@cosmiccoffee8497 That's not the reason not to pay them back first. They trusted you and helped out when needed. You need to man/woman up and pay back.

LITERALLY.

Sad part is Dave kind of was.

@@darthfrancium1166 no, he was just convincing her to do the right thing. If you can enter in the callers mindset, and placate to her sensibilities, she is more likely to listen.. if he would have completely called her out, she would have just been mad.

“Gave us 10k”

@@melanieb2132 Dave wasn’t “convincing” - he helped the caller identify her correct debt snowball payoff order according to his rules.

@@username00009 yeah, AO disrupted his flow. He should have laid into her more. There's so much there that's wrong

Well she was given that money to get help .they gave it to them ❤

that happens when you have no clear understanding. "Pay it when you can" means different things for different people. For some means paying it when you are completely out of debt and in addition have 50k+ in the account, for others means paying a sum every month, for other prioritising the debt to family before buying expensive cars, etc. That is why you make clear understandings, in writing, no matter who you are landing money!

I think it's more her than him. A reason why she doesn't want in laws around to see how she burns thru money.

100% this, might as well add insecure as well

I wouldn't want them around either

​@@ninamady5861why not? They were gracious enough to help out thier adult children. The mistake they made was not coming upbwith terms

@@fauxbro1983 when you help someone with conditions, that it's not help, but you pretty much expect them the be bought. If you want to help, you do it without expecting anything in return.

Worst case scenario is you daughter or son in law talks behind ur back.

poor girl? u mean this manipulative grown woman who uses people around her to get whay she wants?

She has no clue!!

why do we call ignorant people by choice poor?

Should be with interest if that was ten years ago.

Exactly!!!

Yep. It’s wrong to indulge in luxuries when you owe people money. It’s like spitting in their faces.

They probably bought the car to drive to work.

@@deanalbertson7203 a 2k Toyota Corolla can get anyone to work

@@alison4610 I would rather drive a safe and reliable car to work.

Disgusting behaviour.

And being denied the opportunity to move closer to their grandkids.

And then they wonder why they are "easily offended"! THE AUDACITY! I bet this kind of behavior is why they are on edge

My sister did the same. I lent her 13k for her house and she didn't even needed it and used it to buy herself luxury.

Yes, looking for his approval.

How can doctors be this greedy lol?

Queenie!

She doesn't need to, Dave actually already said it. Legally, that is no loan. It would though be nice and advisable to pay if she wants the relation to his family to be somehow cordial.

It is not what you make, it is what you spend.

Spoiled and live beyond their means. It then catches up to them.....

Yup, same here. Unbelievable how they must be spending. This woman sounds so entitled, infuratingly so!

It's called keeping up with the Jones's.

Big house, big car, big taxes, student loans, overseas vacations, expensive restaurants...

has nothing to do with mindfulness...they just didnt want to pay it back

She sounds like the easily offended one. She wanted to cry when Dave asserted that it was a loan not a gift.

Yeah, that’s rude

This caller makes me sick

@@bryces2898 Shameful. I wouldn’t want her blood coursing through my grandchildren’s veins. And she would raise them poorly, too. Son did not choose well.

My daughter is a motivated hard working adult. She fell into a hard financial situation. I won’t go into detail but a lot of things contributed. She was mortified to have to ask me for help. I have plenty of resources and there is no way I’m going to sit back and watch her and her family struggle. I told her she is going to get my money someday anyway and now I get to see some of it helping them while I’m still here. And guess what, now her and my son in law are back on their feet. My help made a difference. Gives me much joy.

He sure did! He could feel Dave about to let her have it!

They way Dave slapped that desk 🤣, he was about to lay into her.

Love it 🤣. Anthony saved it. 2:08

Anthony ruined the fun.

I rewind this part of the video five times. 🤣🤣🤣

I did exactly the same myself. Borrowed 10k from my sister, who said no rush with paying it back. I was earning €35k annually and cut spending to almost zero so I could pay her back within 6 months. She didn’t need it, but I was so grateful to get it and wanted her to know that, and paying it back was my top priority. This caller turned a kind act on its head with her selfishness, what a fool.

You’re exactly right! Don’t understand how Dave could possibly say the in-laws are the bad guys. Really bad call on his part.

Excalty. We was in the same boat and was able to pay our loved ones back in our life within a year.

Exactly right. I loaned my brother 10k to help with deposit for a house (so his mortgage was lower), he paid me back 5k already, wants to pay 4k by the end of this year and is talking about paying my interest (I told him to forget about it, but he's insisting). And yes, I did the same, I said pay me when you can, but I knew he'd pay me back. I always did when he helped me before.

There are multiple somethings about this caller 🚩🚩🚩

The grandparents probably gave up. The kids would probably be just as entitled as their parents

EXACTLY!!

She does seem a little bit flaky.

Seems like the parents of any sons have a tendency to be excluded from their children's lives. 😕

Exactly. Aaand she was deceitful about how much debt she has. I've heard Dave be harsher on people for less.

Sounds like she thought it was a 'loan' that changed to a gift 😆

@@stevenporter863 It only changed to a gift because they had gotten away with not paying it for so long.

The parents should sue if not repaid !

They can't sue. 7:04

🎯

Yep! I've seen way too many of them in my lifetime.

Imagine being owed 10k by someone then watching them buy a 30k car 😂

@@cedrimarthat’s just what they still owe on the car. I bet the car actually cost more than that.

Not paying a loan back while driving a car that costs 5 times as much. Just another one of those "little" things they get easily offended by

​@@ecclairmayo4153a smart person would never have that problem because they would never borrow money to anyone.

Why one earth would he expect to get it back?

Yes - 10 years and not giving even a small payment every month is irresponsible. These people don’t care.

Yaaasss! If they paid them back at $100 month they would have been clear in less than 10 years!! She thinks she's slick. Wonder how her husband justifies not paying back his parents. It takes two.

Just another one of those "little" things they are easily offended by, I'm sure.😂

I wonder how many vacations they’ve taken.

It's just another one of those "little" things they got offended by

seriously it's clear the caller just doesn't really consider other people's perspectives, i wouldn't be surprised if her saying they get easily offended is really her just being blatantly rude to them.

The caller sounds like an immature 13 year old.

Wow ! Wow!!! I am speechless

@@xboxman5ifyWell I would also be on edge if I loaned 10k and would see them get a freaking 30k car instead of paying me back cause "whenever you can" is literally BEFORE YOU CAN GET A CAR that expensive.

Agreed!

sooo deceitful and manipulative. The husband of this chick needs to have the come to Jesus talk with her and say divorce is eminent unless you grow up and become respectful and responsible partner in our marriage and in my life.

borrowing money sucks

@@gemmster14 From hearing her and hesitation, figures could be not accurate and divorce, that could be very messy from hearing her,

And I feel like that STILL isn't the end of the story.

True. And there is more to this story. I have a feeling that they have shown their ungrateful nature so the parents demanded to have their money back. Goodness, ten years and with no interest.

@@whatevergoesforme5129 exactly. They make $150k a year and can’t pay back $10k over course of 10 years. Bet they have the newest iPhones and drive a luxury car

@@jasonzheng5839 they obvioulsy cant when you need money after coming out of medical school and need money you know how good with money you are She also said she has 6k in debts not 150 so i doubt they will ever pay back the car or when they have they will get another one

@@philipmeisterl 150K a year. There is literally no excuse not to be able to pay off 10K. They probably spend that on leisure easily.

Have you been to a hospital or doctors office lately? Bunch of them act like they are on a sitcom. Cracking jokes and their attention is mostly on their social lives.

You can be a doctor with a D+ average I believe

Rocket scientist here...

@Nathaniel Palmer they can still lack common sense with straight As

🤣🤣🤣🤣

My thoughts exactly. I fear for all her patients.

I have met some world class surgeons who had no idea how to manage their money. Two different skills.

@@comment_account2343 True - there are many professionals like that. And scummy people often take advantage of them.

yeah. I think my blood pressure went up just by listening to this.

You can be a doctor with a D+ average I believe

No lie people while cry in your face but when it comes to paying back they will hide

Especially family and friends

I loan exclusively to cows. If Bessie doesn't pay she gets milked.

Exactly!! If a bank won’t give you a loan, don’t expect one from me.

@@zayt8637 and get offended if you ask them about the $. I once had to tell a relative the I “really needed” the money back for them to understand that they needed to pay me back.

Stupid caller feels entitled to her husband's degree as well as the 10k they took.

He went to medical school

It was pretty ambiguous. What are the terms of the deal? None, except "pay it back someday". That is very unclear. Someday can always be tomorrow.

I bet its single salary for husband

She also could be lying. She comes off very deceptive.

How are you so sure? Residency + Fellowship COULD be in the ten-year range, and the salary is in the right ballpark for a doctor completing a fellowship.

@@username00009 irrelevant. You don’t get a $30k car when you owe someone $10k. Pay your debt first.

You'll never know the figures she gave are accurate. Also Raleigh is very expensive, big houses, fancy cars. No telling what the mortgage is. Ramsey didn't ask, she didn't offer that debt info.

When were they helpful? They borrowed money to their children which was dumb. That was not helpful, that was a bad idea. It is understandable that they didn't know any better but it was still a bad idea. If they are a-holes to live near than they are a holes to live near. Allowing them to live near you and make your life miserable is not acceptable. They probably need to set a lot more boundaries with those people. Giving them their money back is a great first step to getting there. If these people were pleasant to be around they wouldn't be asking them not to live near them.

@@jamisojoYou’re only hearing from the DIL. I bet her in-laws have a much different perspective. If they were controlled jerks, then why take their money? It’s back to the standard, we like you when we need 💵, but now that we have it, time to make “boundaries”. She and her husband are users.

Dave isn't on anyone's side. He sided with the in-laws in regards to repaying the loan. He also sided with her in that they she can repay it on her terms and that they can't use the debt as a cudgel. Seems fair to me honestly.

@@jorgedasilva7665 I understand but from my perspective, if family loaned me 10k a decade ago, they would take precedence over everything else in the debt snowball. In laws resentment has already grown and it could reach a point of no return if they kick the can down the road even longer. These people don’t seem like the type of people to put their hedonistic lifestyle aside and save for a month or two. If they have a household income of $150k and they have $10k to their name that says something

@@jorgedasilva7665 Dave said the in laws are acting childish. They just want their bread. You gotta take care of your own man

Then she told them she doesn't want them to move anywhere near her after their extremely kind gesture!! GAH!! 😬

@@talyahr3302 agreed! I couldn’t believe that. Some people have zero awareness 🤦🏻🤣

And a 40k car

And anyone would be offended if you said “don’t move to my town”.

That's the part that got me. Yeah its majorly offensive to act like my loan is a gift and instead of paying it back, you drive a acr thay costs 5 times that amount. This caller doesn't realize how bad she sounds

​@@choreomaniac if someone was a big enough pain in the butt that I had to tell them not to move to my town... then I definitely need to say it. Maybe both couples have a difficult time with boundaries and that is why this is happening. If you have healthy boundaries that protect you from people treating you poorly this would have been resolved long before needing to tell them not to move near you.

Maybe they have been offended BECAUSE you have not been grateful and paid them back in a timely manner. You offended them first.