For the caller with $40,000 missing. Never look back on ppl who have abused your trust. Learn from it and move forward, never look back. I hope he takes Dave’s help.
And no legally he cannot recoup that money. She was on the bank account which means she has access to the money legally. Technically she legally stole it, sorry man.
My wife and I dated, or were engaged for a total of 7 years. We waited until we finished college. We are now married for 44 years and are baby step multi millionaires.
When Dave tells people to g wet married already and they come back with “well it’s too expensive” it costs like $30 to go get a marriage certificate at the courthouse. People care more about the wedding than they do the marriage
2:00:00 always chuckle when superfans call in claiming Dave changed their lives and then not understand that lending 5k to loser family is not a good idea.
With help from Ramsey Solutions I'm making over 3x my living expenses this month and putting it to great use!! Well, I did fall off the bandwagon slight this month - but, I noticed it & will not repeat it for next month. Go me!!
Good for you 🎉keep putting yourself accountable and even if you fail, keep pushing yourself on the line so you wont be completely out of it so good for you!❤
When i was going to college i envisioned always working and living in my local community near my college. I just retired. I have worked now for 8 companies and in 9 different cities, in 7 different states. Each time we moved, my wife and I looked at it as a new adventure. We have seen so much of our country via local travel, that we would not have had we stayed in one area. There were many positives, as well as a few negatives along the way. But overall, I/ we do not regret our unexpected journey.
A marriage is completed when the certificate is signed. A ceremony is the party people picture in their head when they hear "wedding". Which one do you think the law cares about and which one does instagram care about?
I dated my ex-husband for a decade before we got married and I didn't add him to my bank account until after we got married and I regret it so badly. He stole money from me and refused to get off the account that I had since I was 16 years old. Never again. I trauma around that and I will never allow someone access to my bank account again.
@super1234567891011 No doubt I chose poorly. After 19 years, you don't expect a person to change as much as he did. I suppose we both changed and grew apart, but I would have never done that to him. I feel that I have integrity, and he was an ordained minister, so you would assume the same about him. He was just a snake, and I didn't find out until too late. Have the day you deserve. Thanks for trying to victim blame, I'm willing to bet you also claim to be a good Christian, lol.
Depending on where you live, it doesn't matter whose name is on an asset or account. Anything earned while you're married is considered a marital asset. Even if you hadn't put his name on the account, he would have gotten half at the divorce. I'm sorry this happened to you. I was also married to a snake who played the long game. He also pretended to be a Christian.
TO BRADLEY: when you do put your foot down on no longer loaning family and friend money, pay attention to how they react to that. Including your wife. She might try to guilt and shame you for taking a stand. Those who are willing to take advantage of you don’t like it when boundaries are set.
I could not agree more and when you perform this experiment you find out who your true family and true friends are versus idiotic leeches with entitlement attitudes
If you are interested, find out more about the "Nothing is Wasted" guy - he is super creepy and many people suspect him of hiring killers to murder his wife. There is a lot of evidence in official transcripts.
Idea for "talk nerdy to me." Can you talk about the new rules for real estate agents after the 6% thing was ended and how that affects buyers and sellers practically?
19:07 This always sounds like a good idea at first... At least with a HYSA it sounds good to make 4.5% interest rather than paying a 3.5% mortgage off. What I've realized is that the 4.5% you earn is taxed at your normal tax rate (~35%). The amount earned ends up losing you money once it's added to earned income. Just pay the mortgage off, you save the extra few dollars every month!
i soooo love how Dave is brutal on people that think that living while unmarried and combining income is okay. Its not. Who plays house anyways?"Not I", said the cat!
Why on earth did the guy have his girlfriend on his account where she could access his inheritance? This guy seems like he needs a LOT of life help in general. He needs to find a way to put restrictions on his inheritance to protect the money from himself if he has substance abuse issues- too easy for him to blow through this. Something seems way off that he isn’t furious/kicking the girlfriend out. Sounds like his friend may be the reason he found out about the stolen money. Damn. Dude needs to take this as a life lesson to turn things around starting now!
30:30 My favorite line to a guy I was dealing with in this situation was "I know that I'm just a name on your spreadsheet that you look at every day. I know that you just need to put a checkmark next to my name. I have $X right now. Do you want it? If not, I'll be calling Toyota to pay my car off next week and I'm sure they'll be taking it. Let me know." - Just listen to the silence for a moment and force them to break it and speak to what you just said.
David from Minneapolis needs to get that THIEF out of his life. There's no way I would have been with her even one more day if I learned she had stolen from me. She either has a substance abuse addiction or she has some assets or cash that is recoverable. I don't buy her "I don't know where the money went" excuse. She knows, she just doesn't want HIM to know. It sounds like he is so down on himself because of his past addiction that he is willing to keep hanging out with a thief because he thinks he doesn't deserve any better. Get away from her! She's bad news. Unless he did something really boneheaded, like make it legal for her to access his account, I think I might tell her to return that money to me or my next call would be to the police.
I'm confused how this mom knows her 30 year old kids aren't setting aside retirement money or where their savings accounts are kept. My parents and in laws do not have that much knowledge about our financial business. They know we're living within our means, occasionally we ask advice about some things, and that's about it. If they asked me what kind of account my emergency fund was in, I would find that weird and not their business.
I think in general people are too private about their money and family. I hope you will not be trying to pull that information out of your parents when they are older and you are in charge of their finances
@@Kevin.Grindel It’s still none of their business. The parent’s future problems are not your present responsibility. IF your elderly relative asks for your help but genuinely forgets due to Alzheimers or Dementia (been through this twice) that’s Ok. But if someone is resting your help as a form of “get back”-don’t help them. That’s how drowning people make their rescuers drown.
I politely disagree with Dave and George, it is important to make kids work for a house, not just give it to them. Even if you teach them hard work. There is something more important than money here. There is a sense of pride in paying off a home yourself, and no amount of money can compare to that. You wouldn't be where you are at Dave if you didn't go bankrupt. Your parents didn't bail you out. And I don't think you would have wanted it any other way.
My in-laws very generously gifted us our home and I do not feel this will limit our growth as adults. Because we do not have a house payment we invest close to 40% of our income and feel free to pursue any professional endeavor we want. Their generosity inspires us to work harder to not squander such a gift and to work to provide our children the same in the future.
Mobile homes are treated like car loans a lot of places. It was 3% 25y mortgage vs 10% 10y chattel loan plus lot rental at the time. Our mortgage broker ran the numbers and we would've paid the same monthly on a 240k home and a 95k mobile home.
Most people don't realize a mobile home is not real estate until it's title is surrendered and permanently affixed to a foundation. Not to mention the cost of renting the land underneath it. To me its only slightly better than an apartment if all factors are equal.
On my previous episode I heard George, incorrectly state to someone that they get 0% on a settlement fund. That’s not true. I’m getting over 4% money market rates at Vanguard on my settlement fund.
They most likely were just trying to move inventory quickly. They want to promote interest in it. I'm sure it will go up and down throughout the different seasons
When I looked at the books on sale, none of them were $5. So I don't know where Dave got that number. I checked the website the first day and all the books were either $8 or $12.
Do all Americans think of a motor home as a deprecating item?. We are in our van conversion at a 4 day holiday weekender. Everybody here has a motor home of some kind and it's for travelling and having fun. Most of them drive to other countries and tour. I think most pay cash ,I know my friends have a new caravan and car all cash bought. They are 77/78years old . They go everywhere also have there own home..
The lady at 1:37:00 yeesh. "My kids aren't putting their emergency fund in a HYSA" How is that even a sticking point to leaving your kids money? She says she not trying to control them but she absolutely is. They aren't doing EXACTLY what she's doing and thinks they're going to blow her retirement money after she dies.
You don't have to do all or nothing.. People who lost money in 2000 age never got back what they lost. Yes the market prices looked better 10 years later. But that wasn't true of every single company and so a lot of people never got back their money.
It's getting difficult to read comments just like yours when you're among the just about the dime a dozen who doesn't have sense enough to post time stamps involved in the conversation for which your referencing in this 2-hour long show that's been 2 hours long for how many years now? Easily more than 10...-_-
Rhe young attorney didnt argue his case well. He said that his wife had interned five times, one of which was at the high-offer Nashville firm where she now clerks. Rhat seems to be one large factor in rhe pay discrepancy. But he let Dave verballybowl him over. 😂
Dave was really hard on the young woman living with her boyfriend. I also made a decision not to live with someone before getting married. But the tone of this call was so over the top that it came across as just shaming to the point that (1) there was no way she could hear his advice over the overwhelming disdain and contempt, and (2) he ran out of time to actually get into the practical steps of how to fix the financials. This was hard to listen to. It did not come across as "I love you kiddo and am just telling you what I would tell my own kids." Rather, it was a "you disgust me and I'm morally superior to you" kind of voice. Yikes.
she called the show- and if she knows how Dave operates- then don't call. Remember- they call in- Dave doesn't go looking for them.I would say- just dont call if you cant take it.
@@kristencampbell5533 Agreed. He had no intention of helping her once he learned she was living "in sin". He mixes religion and finances too much. Like she asked "how is that'l going to help with my current situation"?
@@ThePolypam100% but at the end of the day its just a radio show and none of the personalities, as far as I know, have any sort of financial licenses so they aren't beholden to the consequences of any of the advice they give so as long as its entertaining people listen. Yes there's some practical tips mixed in on occasion but generally speaking there's plenty of options out there put on by licensed CPAs that I prefer to take guidance from.
People are bored, they check there accounts 50 times a day, walk the dog 50 times a day. Minimal work going on. To the guy whose girlfriend stole the money, grow a backbone dude. David you are not responsible enough to have any money.
Anyone with an IQ above 90 can negotiate better than the average real estate buyer's agent after a couple hours of research. They have zero incentive to get you a good price.
George does absolutely nothing but wait for Dave to say something that he can rephrase to sound like he’s adding to the conversation. He’s not. He sounds like someone that would say whatever he thought his employer wanted to hear, whether he agreed or not. If he’s on, I skip the episode and find another immediately.
This has nothing to do with what this show is about, but every time I see George I wonder about his red blood cell count. He looks pale to me. Sorry George, it's just the nursing in me. I wish him good health🙂
