Dave is the best, pounds table and stops the conversation that's all over the place and kaotic. Dave please never retire always look forward to your next show!

_How Do I Budget Through A Divorce?_ (For men) EZ-PZ: 1) write down all your assets 2) kiss them goodbye 3) close the budget 4) cry softly

@reesercliff

Жыл бұрын

she's a woman though, she is getting the assets

@fsmoura

Жыл бұрын

@@reesercliff Yes, yes, sorry, I was talking to the dudes in this situation. Edited it to better reflect the context.

@cheesball96

Жыл бұрын

🤣🤣🤣🤣

@NickRaeff

Жыл бұрын

Sign a prenup before getting married lol

@fsmoura

Жыл бұрын

@@NickRaeff and make it airtight just in case! ( oДo)

So her daughter is 12 and she introduced her to the Ramsey plan? 😅

It would be interesting how long after learning of the upcoming inheritance that she started planning the divorce.

@antionneanderson9721

Жыл бұрын

She don't want to share with the husband

@cpsupport6441

Жыл бұрын

True but that’s her choice my girlfriend is getting a inheritance I know she not leaving me when she get it but then again hers is only 65k…

Not Dave muting her mic after getting annoyed with her 🤣🤣🤣🤣🤣

@Yaya-cl3tu

Жыл бұрын

And he did it mid-sentence. Savage, lol!

@brittanym9996

Жыл бұрын

Is that's what's happening when he pushes the button, but is still talking? I've been wondering lol

And kudos to the daughter for finding Dave for her mom!!!

@o.astamp5680

Жыл бұрын

daughter is the adult

@bradleymaravalli2851

Жыл бұрын

Love it and hate it. Hope the daughter is not scared or fearful of their current situation.

@tmusa2002

Жыл бұрын

@@bradleymaravalli2851 Good point. The best gift you can give your child is to be financially stable. I always tried and when it wasn’t the best, our kids didn’t know.

Dave is right, dont buy anything especially a house after a divorce.

I have half a million dollars and can’t figure out how to budget the next couple months. Whaaaaaaa

This call was harder than it should have been

All the double-talk drove me up the wall. No wonder she’s divorcing. Could you live with that?! The actual answer to the “Do you have the inheritance” question was no. But she didn’t want to look bad, so she implied yes. That’d be like saying……. “Hi! I’m a millionaire! Oh, I don’t have a million dollars yet - But since I’m following Dave Ramsey, and starting on the Baby Steps, I’ll be a millionaire in 30 years. So I consider myself a millionaire now, since I’ll be one later!” 😵‍💫 My rant is ended. Dave rocks. Especially in this call. Go Dave. And go George, for the assist.

@rachelharrison7961

Жыл бұрын

Nah, she is both the executor and the sole beneficiary. So she knows the exact amount of the inheritance, but it’s sitting in an estate account. As soon as the divorce is final, she will transfer it to her personal account and settle the estate.

@MrJimmy3459

Жыл бұрын

@@rachelharrison7961 Which means she does not have it NOW, thats what drove Dave up the wall

I love how kind yet clearly annoyed Dave was. All the double talk. She doesn’t have the inheritance and Dave asked her if she did. That inheritance isn’t final/settled yet. She was saying yes but the actual answer is hopefully soon.

If she has $450k inheritance why is she so worried about budgeting?

@jimmymcgill6778

Жыл бұрын

I know.

@agjios

Жыл бұрын

Rich people have to budget, too. Dave Ramsey has hundreds of millions of dollars and he still budgets.

@amyk6028

8 ай бұрын

Honest marriage health question: If you had a million dollars, would you stay married??

@queen.kristal8395

8 ай бұрын

@@amyk6028 uhmm yes

I don't understand why she even called, to act like she's well off and not telling the full story.

Within the next week I'll be 10k left to completely paying my off 150k debt.

@thomastamarack8627

Жыл бұрын

««Bro its luck, it's me just being at the right place at the right time. I met a financial and trading consultant at a seminar back at Los Angeles later last year, where she was featured and interviewed and I reached out to her afterwards. I didn't know much about trading and investing so I spoke to her about it, she then later introduced me to her platform where I and other people could invest and copy her trades techniques and patterns.>>

@thomastamarack8627

Жыл бұрын

Her name is Mrs Jane Lupean Marie you can look her up online

@thomastamarack8627

Жыл бұрын

You could call or text her also

@thomastamarack8627

Жыл бұрын

@Víncent Estebañ alright

@frankiemusick9599

Жыл бұрын

I know her mate. She runs my kripto portfolio too. She's really good and knows what she's doing. The life of my family changed through her. From barely €1000 to €200 grand family.

Divorce is a really heavy topic but Dave explained his advice very well!

The husband is keeping the house & she’s moving out? Wow, that’s rare. She must really be a piece of work.

@wewhoareabouttodiesaluteyo9303

Жыл бұрын

The only time that would happen is if the attorney is better on the guy's side. He probably have to pay more to have that happen.

@dhatch04

Жыл бұрын

Or she could have chosen that she doesn’t want the house. For my MIL it made way more sense to just let him have the house.

@wewhoareabouttodiesaluteyo9303

Жыл бұрын

@@dhatch04 I wish more women would give the man his house. You guys can go hitch up with someone else and have a roof over your head. Not too easy for a guy to do that.

@karlheck4121

Жыл бұрын

@@wewhoareabouttodiesaluteyo9303 The house may not have much or any equity in it either. She kept her inheritance separate for after the divorce, and is buying her house in cash afterwards.

@JIX9ISLER1986

Жыл бұрын

Justice !

I feel like y’all may have missed what she’s really asking about “how do I budget for the month/s ahead”. Tell her to write down or use a spread sheet, all the ordinary expenses; Rent/mortgage, utilities-gas, electric, water, trash, phones, etc, then figure out how much you drive and what that costs, how often do you fill up your tank and how much is it, $60/week, every 2 weeks? Just itemize everything you can think of and start from there. If you don’t know exactly make some reasonable estimates, are you buying groceries for just yourself or do you have 3 kids to feed also. See if you can find your current utility bills, or go into your bank account and see if they’re being paid automatically and you can see oh we paid &485 for our electric bill in July and only 70 in December but then the heating oil bill went through the roof. You can add up the past 12 months and average it out and see ok we pay an average of $120/month, that gives you a starting point to plan from, then say your current home is 2200sf but you’re going to rent a 1-bd apt for 6 mos then you can probably cut most of your utilities in half, of course cell phone usage bill isn’t probably going to change. Bear in mind in most cases if you don’t already have your name on the utility bill, like your internet service, maybe your husband set it up, then you will probably have to pay a setup and/or first-time customer deposit fee so you’ll have to budget that into your first month’s startup costs. Be sure you don’t forget things like car insurance, health insurance, any other fees you might easily forget about like fast-track being on autopay. Super easy to forget that $30 or $60/month. I find Google Sheets or Microsoft Excel great for these things, but a simple itemized handwritten ledger is fine as well. Don’t forget medications, doctor’s office co-pays, all these little things add up.

Congrats to her ex-husband for becoming free from her madness. 👏

Neither party will have as much money as they think they have today once the divorce is settled.

Imagine Dave's reaction if a guy was hiding his inheritance from divorce. Sexism.

@danieljohnson4418

Жыл бұрын

Inheritances are treated as separate property in nearly all jurisdictions. She's not "hiding" anything from him.

@time4advancement244

Жыл бұрын

Dave is my guy, but he is soft on women and harder on the men.

@1lespaulfreak

Жыл бұрын

True

@agjios

Жыл бұрын

Inheritance is not community property 🙃

@Cahluvca

Жыл бұрын

@@time4advancement244 This is the American way

Never get married

Use the money to lawyer up ASAP. Especially the dude!

Never ever ever take 100% of anybody’s advice ..trust yourself you know what to do

@fsmoura

Жыл бұрын

Should I take 100% of your advice above? - If not, should I then sometimes take 100% of someone's advice (therefore contradicting your advice)? - If so, should I then thus disregard your advice, and proceed to at least sometimes take 100% of someone's advice (therefore contradicting your advice)? Please advise (100%). ( -.-)

@time4advancement244

Жыл бұрын

What a silly thing to say.

@time4advancement244

Жыл бұрын

@@fsmoura Ignore her, but you made valid points response to her silly comment

@o.astamp5680

Жыл бұрын

She has money and still doesn't wants to buy a house and give a bunch away smh

@AG-kb7yb

Жыл бұрын

Not a 'silly' comment at all, especially when Dave Ramsey is involved.

Great advice as per usual.

This is the first call that annoyed me so much I gave up. I want to divorce her.

She filed for it.

You need to see what the bills and taxes cost on the home you buy. You need to know what repairs needed.

From month to month my budget is nearly the same. It takes me just a few minutes to fill out.

Things can go sideways very quickly all the way up until the divorce is FINAL. DON'T count your chickens before they hatch!

I think it wasn't the advice you expected but it was a good one.

Dave faces 😂😂

He wasn't probably aware of the money which is why it was amicable. Good thing she went on a big radio show to let the world know.

More Dave on the show. Dr D would be asking how she feels.

Let me guess… she decides to get a divorce after she learned she will inherit $450k

@kevinb8881

Жыл бұрын

I wouldn't be surprised!!

@thaimuayshoo1171

Жыл бұрын

"50/50 equal" partnership marriage no mo! Cha-ching

@reyrecks

Жыл бұрын

I think Dave connected the dots in his head.

@edwinv1215

Жыл бұрын

Yeah I'm pretty sure she's playing victim and found reasons to leave .

Cga never fails

well that's nice of you to share 150,000 with other people. I wish you well on that.

Step 1: Prepare to give your house to the lawyers.

For men, marriage is the worst financial gamble you can make. The laws are one sided.

I can see why this dude got divorced lol

@wahinepaddler4

Жыл бұрын

100%

This woman is impossible.

Women are amazing. As soon as she got the inheritance she decided to end the marriage.

@bastionwolf

Жыл бұрын

Good for her lol

She needs to get her story straight and clear. I couldn't even watch this whole video. Good luck to her because she's going to need it with how lost she is.

@Cahluvca

Жыл бұрын

😂

Wild life can be expensive.

Trust Dave's advice. He has experience.

How you budget through a divorce….don’t get divorced!

@marcenepinkerton5031

Жыл бұрын

True but sometimes it is not your choice

@myronpriest4935

Жыл бұрын

Don't get married

@amyk6028

8 ай бұрын

Not everyone can stay married!

I wonder if the man files for divorce he’s more likely to get the house. My dad filed for divorce and kept the house.

@fnordiumendures138

Жыл бұрын

Being the one filing gives you better time to prepare and a chance to blindside your ex, so in general it gives you better odds.

@NickRaeff

Жыл бұрын

I think the circumstances vary per marriage/divorce. Military vet here. I’ve seen a handful of divorce circumstances - guy initiated but just let ex wife keep the house (she couldn’t afford the mortgage by herself). He didn’t want to deal with her anymore. Another one: wife cheated. Guy initiated. He got full custody of kids, kept the house, etc. I’m not married. If there’s anything I’ve learned, it’s sign a prenup.

@fnordiumendures138

Жыл бұрын

@@NickRaeff Shooting first is obviously not fail safe, but it betters the odds. As to prenups, they are not always the protection one would hope. Carefully check your local laws to find out how easily they can be dismissed in your particular jurisdiction.

@djpuplex

Жыл бұрын

He could afford the house your mom and this caller couldn't.

@tatianagoleva4062

Жыл бұрын

@@NickRaeff if wife can't afford the house - what's the point of keeping it ? Who will pay all the bills 🤔 & expenses associated with a big family home?

I think I know why they are getting a divorce. She’s all over the place and has NO clue about money or budget. She’s going to be broke in a year.

Alpha widowed. She keeps making excuses for this dude.

She's like I'm not splitting this inheritance with my husband, lol. What a joke, she's a nightmare

A marriage license should be renewed every few years along with your driver's license. That way if things are not working out, just don't renew that one. People will be like, oh it expires next year anyway. No problem.

@eclipse.5295

Жыл бұрын

Brilliant idea!!

@wewhoareabouttodiesaluteyo9303

Жыл бұрын

I am surprised that people in this day and age have to have a license to marry.

@rainacherienne1010

Жыл бұрын

I’m not getting married until it’s like that.

@aolvaar8792

Жыл бұрын

Prior to entering into a covenant marriage, a couple must attend premarital counseling sessions "emphasizing the nature, purposes, and responsibilities of marriage" and must sign a statement declaring "that a covenant marriage is for life. A marriage license could be Irrevocable for life.

@christopherstimpson6540

Жыл бұрын

@@aolvaar8792 That's how it is in the Philippines.

OMG she was annoying. I see why he muted her mid sentence. She's not going to take any of his advice 🤦🏽‍♀️

450k inheritance. imagine

She was absolutely clear and Dave kept changing the circumstances. This is far from the first time - he needs to either retire and/or get his hearing checked.

The ex-Husband is a lucky man for getting away from her!

More red flags than a Chinese parade - shout out to the coach gang!

Yeah this lady was tough to listen to..

I WOULD DEFFENETLY SELL THE CAR FIRST!!

I hate this call!!!! Omg !!!

✝️🙏

God bless divorce. Leading "independent" women right into absolute horrendous financial management since the 70s

I'm so glad I never had a joint account with my ex-husband.

@wewhoareabouttodiesaluteyo9303

Жыл бұрын

Tell that to ever girl and no one will ever have to lose anything in a divorce. We can change the laws! YAY!

100% of divorces start with a marriage. Don't risk it. Love old double standards Dave's advice for women. I swear I'm gonna make my own video of his contractionary advice between men and women.

@CE-vd2px

Жыл бұрын

Please do

@Thermohybrid

Жыл бұрын

I want to see it too

@barrymanilow3893

Жыл бұрын

You do that then. Congratulations in advance for the 10 views you might get

@CE-vd2px

Жыл бұрын

@@barrymanilow3893 it isnt like hes trying to turn a profit. Hes just trying to share it with us, hence the name KZread

How to budget for divorce: Have secret fluffed up accounts before you even meet your significant other.

Sandy's husband make sure to lawyer up and take everything

She went into overdrive explaining everything is OK 🙄

Short Answer: You Don't.

A special species Be careful

Tired of yah being soft on women ! Dave do better

they they talking month to month. budget yearly. some costs are paid yearly, some fluctuate by season. i got annoyed with the changing of the story too but i think it's not that she's confused. i think she just did not want to waste airtime going through the minutia of it all when it really did not matter for the advise she was asking. of course in hindsight it took longer because she did not put the minutia first but her intentions were good - to not waste their time. she is not confused or in two minds about anything. i feel like dave does this a lot. he makes snap judgements based on very little. a tone of voice. a way something gets communicated. very unfair way to judge a situation or person. i'm not sure why he can't look at himself and correct because once or twice he has done an about turn when he get more info. i've heard him say oh i though this or that and oh well in that case i take back what i just said. i just think well don't make assumptions! ask before you go off on one.

And don't get divorced when you just got a big inheritance

The budget is not getting married so you do not pay for it. ;)

*Mrs Muthia is the best, recommending her to all beginners who wants to recover from their losses and gain more like I did through her strategies*

@scottmorrison670

Жыл бұрын

I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Muthia

@scottmorrison670

Жыл бұрын

I think she is the best broker I ever seen

Lucky beech

Why does he always hang up on people when he doesn't understand something?

I want to hear his side too. She's not telling the whole story. I smell 💩

She’s a modern woman choosing to wreck her own home.

Christ is King

She is confusing.

I dont think what she is doing with the Inheritance is even legal this is half his money boy the way you kiss up to the women is disgusting she will be in legal trouble if she is hiding this windfall from him you never told she could get in trouble for this just put off buying the house to further hide her money

@glitterstarbeau

Жыл бұрын

Inheritance is separate property.

@MrScuba1

Жыл бұрын

@@glitterstarbeau no its not no more than a lottery ticket I seen a women hide a windfall from her soon to be X for a year and when he found out it was back to court and was almost all of it because what she did was illegal. check your state law. It really is marital property and she knows it by her statement I am holding off getting till after the divorce I dont want this money tangled up in the divorce. If it was legal he would have told her that he new its not

@glitterstarbeau

Жыл бұрын

@@MrScuba1 um, what law school did you graduate from? I think you need a refund. Lottery winnings = marital proper if won during the marriage. Inheritance = non marital, unless left to both parties

Take half of the bank account to a new bank & new account in your name.

@queen.kristal8395

Жыл бұрын

U can’t do that you have to go to a lawyer and than court before u finalize any money

@aolvaar8792

Жыл бұрын

@@queen.kristal8395 No, no one will stop you at the bank.

@HeavenlyFaithful

Жыл бұрын

@@aolvaar8792 maybe not, but the judge might ask why it was done 🤔

@rockintherae

Жыл бұрын

@@queen.kristal8395 NOT TRUE! You can't take the entire bank account, you're entitled to half of everything so yes you can take that half at any point.

@aolvaar8792

Жыл бұрын

@@HeavenlyFaithful I agree. Queen. Kristal's Comment: U can’t do that; you have to go to a lawyer. No, Debit Card and PIN, take a penny, take it all. no one will stop you at the bank.