What To Do When Family Behaves Badly | July 1, 2024 

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.

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.

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.

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.

Dave and John are my favorite duo

It all starts with "I'll try to keep a long story short"...

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.

If I worked at Ramsey, I’d definitely try starting up a band called Left-handed Puppetry

Dave gave that lady a wonderful blessing on her wedding day -- Financial Peace. I love listening to happy people on radio.

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.

The call from Matthew broke my heart. Matthew was taken advantage of at a vulnerable place in his life. I'm hoping he gets it worked out. Dave and John gave good advice. ❤

Lol I love how Dave brought up uncle Rico. I ❤ Napoleon Dynamite

Dave is back!! Thank you Jesus!!

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.

15:16 you want to go back to that unicorn dust thing…😂 Relatable!

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

😂😂😂😅why am I watching this episode and in your comments section on IG at the same time😂😂

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.

First call. The lady moved there in the 90s and still complaining of what happened in 90s? Im confused

Not even 5 mins in an Dave has me rolling. “These ppl are freaks”🤣🤣🤣

Great stuff

Love how James Child will put in funny little clips pertaining to something funny y’all said 😆 (football coach one this time 🏈)

47:50 You picked a side in your parent’s relationship and that was clearly your mom’s. I mean you started the story by saying how he cheated on her and understandably that hurt you. But, you knew exactly what you were doing when you gave the entire down payment to your mom. Own it and move on instead of calling strangers to validate your actions. I say this from a place do love because I believe you can repair the relationship with dad but it probably won’t happen if you don’t own intentionally hurting him.

Matthew call - you know Dave's mad when he says honey. 😁

I live in Seattle. Skagit County, while more rural, is still expensive. No cheap condos there. All of western Washington is pricey.

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

Thx

Dave, sure wish your show had CC for us hearing impaired.

"...car accident or Mother's Day." 😂

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.

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.

The Bennie’s is a good band name lol😅 Bennie’s for benefits 😂

What did the first caller call for omh

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 feel for the lady in Washington. If Dave would have let her respond, I think he would have learned that even though she isn't in the Seattle area, anything close to that area (and in the entire state of Washington actually) is quite expensive. She even tried to say that she had been looking for property for a couple of years before she was cut off. I do hope she can find something but the reality is that most western states are very expensive for older people to look to purchase a home. Very unfortunate and frustrating for sure.

Is uncle Rico a reference from Napoleon Dynamite??

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...

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.

Is there a Canadian Every Dollar app?

To the lady that repaid the down payment, her parents loaned her for the house. I’m surprised she just didn’t split it evenly between the mom and dad. To me that would’ve been the right thing to do since they were no longer married and they were both the ones who gave down payment money? I think that is part of the reason why the dad wrote that letter to her

Can we get some time stamps on these?

Yea Dave my people got hit a little in Barbados. They will restore.

@03:45 "Good! Praise God!" Papa Dave 😂😂😂

Why they don’t move to Arizona? Near cali

Is amazon a good investment?

If "Rice & Beans, Beans & Rice" is not a band name, it should be.... 😂

45:20 your dad put half the down payment. You returned it ALL to your mother. You took her side. Deal with it.

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.

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 😊❤

I wish it would revert back to the Dave Ramsey show. Or the Dave and Rachel show.

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

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.

Uncle Rico

Aw come on guys Crystal should have split the money between mum & dad

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

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..

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..😊

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.

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!

FANTASTIC show today! It’s always a good day when the GREAT and WONDERFUL Delony is on! 🥰

I appreciate the family money values in place One can't exist peaceful without the other❤

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.

I don’t really like the way they talked about Europe as if it’s not a nice place to live! I have been to the USA 🇺🇸 but I prefer to live in Europe! Daniel from New York can make good money in Europe and enjoy life better in Europe! Good luck Daniel 👌🏻

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!😊

Anna call - how much money could you possibly have lost by her becoming their maid? Let it go.

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).

Matthew get your money your mom left it to you, shame on your dad

When will people learn not to build on a property that is not theirs? Or move because they want to be close to their family? People change and people get mad so why upset your life over nothing? Move Where you want to live don't move near your friends or family just in a nice place where you don't know anyone and you're happy to live there and you build your own life. Stop trying to build a life from movies.

I googled homes for sale in Skagit county Washington. That lady seriously needs to move out of there. It's a very expensive place to live. She'll never be able to buy a home on her income or even pay rent. It amazes me how people cannot see that on their own.

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 . . .

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.

The lady whose hubs bought a cheap car they could afford needs to chill.

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 👋

No George!!! Yeah - 😊

Dr John, Why are you talking about breaking relationship with family members (sisters) thats not possible! Family is for life!!!

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.

from ontario canada, I love both dave and john, they are the only 2 i will continue to watch and take advice from👏🏼

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.

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.

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.

He basically hasn’t even been on the planet long enough! Out

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!!! ❤❤

Clicked for Dave, can't stand the rest of them anymore 😂

We are going with both term life insurance and universal life insurance so that we can be participants in infinite banking and velocity banking.

she's crazy.I understand why your dad's mad He gives you thirty-five thousand dollars to save the house, and you take the thirty five thousand give it to your mom because you're dad cheated on your mom

want's all the privileges of living in the USA but not willing to live there!

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 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.

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