Her silence every time they said something negative about her son shows that he’s been coddled his entire life and that’s why he’s in the same place he was 16 yrs ago.

@cashkitty3472

2 жыл бұрын

Yep I see many parents do this

@feffnordana5344

2 жыл бұрын

She and her ex husband are not only NOT going to see a dime from that situation, but might even get caught ip w some other emotional blackmail on their way out.

@franksnow5165

2 жыл бұрын

The problem isn't coddling, the problem is there are no jobs that pay enough. Look up the numbers on how many young adults are being forced to move back in with family. They're unbelievable.

@cathyl7944

2 жыл бұрын

@@franksnow5165 nonsense. Get multiple jobs until you work your way up! That’s what I did .

@tomcat8662

2 жыл бұрын

If I was this lady’s son, I don’t know how I could look at myself in the mirror.

Her son will probably sell the house, buy a bigger one, and end up in foreclosure anyway. What a loser.

@MrTargetone

2 жыл бұрын

Or once the house is deeded to him soley with no lien, he will refinance and cash out and then default on the mortgage.

@timothygibney159

2 жыл бұрын

I wish I could get a free house 😡

@truckerman9112

2 жыл бұрын

@@timothygibney159 me too bro, but instead here I am trucking in order to pay my mortgage

@timothygibney159

2 жыл бұрын

@@truckerman9112 madenning but at least we are honest and provide a service for it. There is no justice in this world with the current prices verses the boomers

@teenyverse7707

2 жыл бұрын

this is so true... the son has not exhibited any good choices.

The son had three children in a one bedroom apartment BEFORE the parents bought the house for them. That was already a sign the son was not going to get his financial act together.

@RuizFrances

2 жыл бұрын

Or maybe he was living within his means before she meddled!

@kristenmarie9248

2 жыл бұрын

@@RuizFrances 🎯💯👍

@korotaszep

2 жыл бұрын

They should have STAYED there until he became motivated enough to DO BETTER and hustle more to support the family they created.

@daradee3593

2 жыл бұрын

@@RuizFrances I was thinking the same thing. They were getting by and were offered a home that they may have felt obligated to take.

@michellerichardson3090

2 жыл бұрын

@@RuizFrances thats not in their means, thats illegal.

As soon as she said he’s our “only child” nothing else surprised me about this call.

@SnoopRockinJayDawg

2 жыл бұрын

I agree.

@eckankar7756

Жыл бұрын

You're right...

@amylin5062

Жыл бұрын

I have an only son and this call inspires me to be nothing like the usual parents of only children.

@kristidavidson8945

Жыл бұрын

I am an only child. Finances were taught to me clearly from an early age and real love was given, not materialism. Only child does not have to be a problem.

@turtleanton6539

10 ай бұрын

Yeeh😊

"An eagle that doesn't leave the nest is eventually known as a turkey".🤣🤣

@bruceellenburg429

2 ай бұрын

In this case a buzzard comes to mind

Love Dave's line "a safety net is fine -- a safety hammock is not"

@paulkersey7458

2 жыл бұрын

He stole that line from rush limbaugh

@ebriggs3498

2 жыл бұрын

@@paulkersey7458: borrowed is a better line since the two of them think the same.

@pamelaburleson2063

8 ай бұрын

I also liked, "... but you're going to do it anyway." 🤣

Who else is binge watching this channel right now?

@user-mv9tt4st9k

9 ай бұрын

'Totally bingeable!

@katwestbrook846

7 күн бұрын

lol guilty - I gotta get to my dishes hahaha

Did anyone else notice that the woman was completely silent when Dave said the son was a parasite and a mess? She couldn't bring herself to admit it out loud.

@georgeseymour7116

2 жыл бұрын

Jeffrey Dahmers mother said “ he was such a good boy” guess that’s a mother’s job.

@tmusa2002

2 жыл бұрын

The silence was loud and clear.

@sobeliever1638

2 жыл бұрын

Umm yeah tough words to hear

@jennymeyer982

2 жыл бұрын

Very sad

@Thesussysuscat

2 жыл бұрын

I never hears silence that loud

Best thing my parents ever did was to let my wife and I struggle through $100k of debt. It nearly broke us, but we had to learn to stand on our own so we'd never make the same mistakes. Now we're debt free besides the house and so much better for it

@angelasepi657

Жыл бұрын

good job

@daphne10120

11 ай бұрын

Yes! Sometimes you have to let your child hit rock bottom and you have to make them face the consequences of poor decisions.

@myworldofbranchyz8895

9 ай бұрын

It doesn’t look like parents learn this lesson easily. I was mad when my father said I and my spouse need to move out when we were… 26! Now I’m beyond grateful for what he did!

@AGM-ts5bb

7 ай бұрын

And you probably thought they were so mean at the time!

@athena3865

7 ай бұрын

Best thing my parents ever could have done was not bring me into the world.

It makes me sick to my stomach just to hear a mom talking like this, thinking she is helping her son and she is just helping him to be a parasite.

I needed to watch this. I've been giving a drunk a drink the past 2yrs. Actually 32. Now I have to spend money and time to take this person to court, to get them out of my house. It's a nightmare. I've not done more for anyone else in my family as much as i have for her, and this is what I get. The one thing she's accomplished is I'll never be this helpful, or enabling, to anyone in my family again. And it's really sad bc I just wanted to help her.

@beatriceannbaker3350

Ай бұрын

I did the same thing. The house I bought to help her will close on the 17th of next month. A sad ending to 6 1/2 years of help she didn’t move forward one step. I actually enabled her into a drug habit.

@Gemmarose9012

Күн бұрын

You both have good hearts, please don’t be hard on yourselves. You’ve paid enough.

This is exactly why when my kids throw a fit over “being accountable for their chores” I smile-I’m not going to let my children think they will not be held accountable in life.

I totally agree. My grandparents were enablers for a long time and I was never good with money until they cut me off. After they did I ended up falling on my face and learning my way. I own my house and I have a large 401K retirement on my own.

@momnursefashionista7506

2 жыл бұрын

👏🏾👏🏾👏🏾👏🏾

@chelseahayllar5853

2 жыл бұрын

Same here. Got into debt and back out again because they stopped supporting me. Would never have learned otherwise

@katiejon17

2 жыл бұрын

We’re you younger though? This guy’s married with four children and a wife (who’s clearly part of the problem), and it’s been 16 years. The hope with that guy is bleak.

@darkeldarblade916

2 жыл бұрын

@@katiejon17 Yes I was younger but they enabled me until I was 40 and I was going though a divorce at the time and that even made it harder. I learned so much after that. I feel like I had a sense of entitlement and I think everyone needs to live life on their own in order to get perspective.

@eileeneamon9070

2 жыл бұрын

@@darkeldarblade916 Excellent. very smart move.

This asset should have been settled during the divorce.

@barbieblue3336

2 жыл бұрын

Yes. Why carry on

@allenpriest8985

Жыл бұрын

It was - they kept it 50%. The question is why??

@moodiseverything9252

Жыл бұрын

@@allenpriest8985 exacty

Her 'only son' was trained and raised by his mom to be her dependent pet. Keeping him close by raising him to be helpless and needing her rescuing through life has kept him tied to her like in chains. She crippled his spirit to be inadequate and needing mom to helicopter in for a quick rescue again and again. All rescuers need a victim to save, all victims need a rescuer to save them. A sick relationship mom created but she did it well.

@ashen8046

Жыл бұрын

Why does this dynamic go over so many people's heads? It is so prevalent and contributed to generational sickness.

@RearviewMirror-ij2pr

Жыл бұрын

And so many have done this very thing.

@Rad200G2B

Жыл бұрын

lol at his mother being his only parent.

@melc632

Жыл бұрын

Spot on

@minaso81307

11 ай бұрын

Bingo 😊

your son deserves a mess because he is a mess. Dave cut her off before she got a chance to say that her son is worried his dad is going into a nursing home and the house will go to pay the nursing home, the son called Mommy to fix it just like she has fixed every other problem in his life.

@annakirshenbaum1458

2 ай бұрын

She probably thinks more of her 4 grandkids at this point. Their dad deserves a mess, but they don't.

@judyperri9496

7 күн бұрын

@@annakirshenbaum1458Well if their own parents aren’t worried why should she be Trust me this son is just going to keep getting into debt and when she’s dead they’ll finally figure it out

@annakirshenbaum1458

6 күн бұрын

@@judyperri9496 Why should a grandmother worry about her grandkids??? Is this a serious question?

My BIL lived like this with his Mother up until 50 years old. Didn't pay any rent, hardly did any of the so called caregiving he was supposed to. For years we tried to persuade his Mother to throw him out. He drank himself to death last year! What a freaking waste! Whats more she was going to leave him her entire estate because he was "special!"

@sensimania

2 ай бұрын

I have a cousin like that. He's around 51 now, still living at his mum's. Sleeps on a mattress on the floor because he can't be bothered to buy a bed. Smokes weed all day. Labels his food. Never does ANYTHING for his 80yr old mother (not even online stuff or drive her to go shopping), and doesn't pay rent. When my sister and I was living at our mum's house, we gave monthly rent without fail, replaced things where needed.... basically did things which should come naturally when living with parents. When my aunt (my mum's sister - aka the parasite's mum) heard that we did all that (especially the rent), she developed a really visible look of jealousy on her face. And yes, we've all been telling her to kick him out for years. But yet, he's still there 🤷🏽‍♀️

@greaterishe7197

Ай бұрын

Delusional

She created this mess. This is the result of giving your children everything in life with them having no skin in the game. You are not helping your kids when you hand then everything. You create an entitled worthless adult.

@beatrixaltenberg5135

2 жыл бұрын

I had several friends like that, as in they actually got a house or apartment gifted early on in life, and they moved on to work and live like normal, more or less responsible people. The entitled worthless adult is a personality more than an upbringing and it happens mostly to parents who do not have much money and do not have the strength to stand up to their manipulative and often abusive children, especially single mothers or mothers who get treated with less respect and get used and their children watch that and follow the example of adults treating their mother like that. Which does not mean every child growing up seeing that turns out to be using others. As I said, if you watch truly and closely, you will see that it is a personality and not an upbringing problem because if it was like you say, all the kids who are treated like that or see their parent used and too weak to fight it or too nice to fight it, all the kids would turn out like that. It is also a peer thing. Others their age put those ideas into their head that it is the normal thing to use your parents and at the same time talk really bad to and about them. It is more of a peer pressure thing when useless kids tell not yet useless kids that they are stupid for not being like them.

@cooleobrad

2 жыл бұрын

It's more than just "giving your children everything in life", it's about how well or how poorly you taught your children morals. Lots of people who are privileged because of their parents are perfectly responsible and have a head start above their peers.

@jazztazz770

2 жыл бұрын

I saw this all the time in college. It was insane how many kids I saw driving around brand new cars without a single car payment and calling their parents up DEMANDING more money. Literally. Demanding. These kids are now messes that don’t know how to get anything done. Their lives will probably crumble when their parents die or cannot help them anymore unless they leave a big enough inheritance. But why would you ever want to raise a child that needs you until you die??? And possibly after? It’s insane to me.

@stacyjaye6350

2 жыл бұрын

@@beatrixaltenberg5135 Peer pressure? Nah, spoiled.

@louisefigueroa8326

2 жыл бұрын

It’s difficult situation,

This is my parents. Am one of 5 children. My parents are blindly enabling my sister for not only her rent, but a new car, private school tuition all while the both she & husband refuses to get a job, not give up smoking and weekly friday nights at the pub getting so drunk, he doesnt come home. My sister just had baby no.4 when they couldnt even afford 3. I cut my parents off when they said i was the problem.

I wish I had parents that bought me a house... Some people are very lucky.

@20maxilo

Жыл бұрын

me too

@pep590

11 ай бұрын

And those lucky one don't appreciate it at all. No house??? I didn't even have a dad.

Hardest thing I did as a parent was watch my children fall flat on their face. They are both grown, independent, and good parents now. I saw so many spoiled rotten mean girls growing up in SoCal. I would never do that to my own kids.

@mariad3011

2 жыл бұрын

Yes it has been so hard for me to watch my adult son fall flat on his face....but I'm doing it...No more help...Hello...I was an enabler...I learned the hard way...ironically...

@2005Pilot

2 жыл бұрын

@@mariad3011 Totally get it. Watching it happen to our one and only now. Not fun or easy, but know enabling is the worst for him.

@TheMr.George

2 жыл бұрын

So money over family?

@korotaszep

2 жыл бұрын

So. Frickin. Hard. I'm cleaning up my enabling mess, myself. Stay strong, hang in there. We want our kids to 'have it better' than we did, but we are handicapping them when we do it. (Denial is not just a river in Egypt, other parents. Let's do better for the next gen.)

@margaretstribling4306

Жыл бұрын

....he'll just sell the house , n having no inner compass nor experience,...streets acomin'....I did that junk, and am getting out of that misery mind set with, among all else :"the dynamic laws of prosperity- Catherine ponder- KZread"( her lectures , as well as the book read aloud. The inner laws of prosperity- need to be unpacked....shuffling about the outer manifest" stuff"only is fruitless. Lol

This woman is worth several million yet doesn't have professional legal counsel to walk her through this? Something doesn't add up.

@huddlechannel2932

2 жыл бұрын

@@rr-brown6445 Dave seemed so interested in knocking the son down to size, it seems like he left this issue unresolved.

@bee12355

2 жыл бұрын

Most of the money is probably coming from her current husband

@tomcat8662

2 жыл бұрын

Non liquid assets I’m sure. Part of it might be the house she lives in.

@fauxbro1983

2 жыл бұрын

Hypergamy. New husband is probably more economicly stable than the ex

@korotaszep

2 жыл бұрын

Yeah, that claim sounded too fast (a prepared lie) because she didn't want to be bogged down at that part or attacked.

I'd give him the house i.e. 30K but I would remove him from my will and he would inherit nothing because of his mismanagement. He will literally waste all money left to him and still end up bankrupt. Someone in this family should have manned up a long time ago.

@eckankar7756

Жыл бұрын

Put the house in a living trust so he has options depending on his behavior, which obviously still isn't doing well, but at least he won't squander the house and the grandkids will have a roof over their heads.

@LocaW8ta

Жыл бұрын

Agreed. He’s probably sitting around waiting for her to croak so she can collect a payday.

@georgewagner7787

Жыл бұрын

New husbands kids might inherit

@valerieann2751

6 ай бұрын

@@LocaW8taexactly

@kellyprobst4084

2 ай бұрын

yup, leave it in a trust for the grand kids

My parents told me their responsibility was to raise me to be an independent, self supporting adult,and that’s exactly what I am. I’ve seen too many people who don’t want their kinds to be independent.

@marysaltlife1427

Жыл бұрын

Fantastic, java, my experience as well. Makes us smarter and cautious.

If the son has kids the inheritance should bypass the son and be invested until those children come to 21 years old.

@georgewagner7787

Жыл бұрын

35 years old

Why do people keep popping out kids they can't afford? 😳😳😳 👏👏👏STOP.

@garymoses4142

2 жыл бұрын

Can't stop laughing 😆 🤣 😂 😄 😅 😭

@AimeePoppinBabies

2 жыл бұрын

@@garymoses4142 lol like "Stay OFFF OF HER!!!"

@MartianAmbassador69

2 жыл бұрын

You're hotter than the crash site of Kobe's helicopter ❤

@koolaidman6251

Жыл бұрын

Because mommy was bankrolling everything so why think about consequences? Mommy will come in and save the day! I watched the same dang thing happen with my brother and my dad -- my brother would so much as sniffle in discomfort and Daddy would come in and throw money and help at him. Now my brother is a 44yo with the life skills of a 9yo, unable to care for himself, still calling Daddy to rescue him. My dad crippled him with "kindness".

@JakeStewart1343

11 ай бұрын

​@@AimeePoppinBabies STAY OUT OF HER! 😂

Sell the house and tell them surprise!! Reality check!! Use the money in your retirement. And this is coming from a 20 something that barley has life together haha. I would never do this to my parent, they shouldn’t either.

@sootherelax2802

2 жыл бұрын

I’ve had friend who pretend to go to college and take 40k a year to pay rent, do drugs and go to bars. How horrible.

@swiftandsilent2202

2 жыл бұрын

I was thinking the same thing.

@836dmar

2 жыл бұрын

Sounds easy and tempting. I would tend to have no pity BUT a little insight would suggest this would disconnect her from her only child and all of her grandchildren for the rest of her life. I would cringe doing it too but that $30k is a stupid tax for doing this to begin with. He wouldn’t learn a lesson either way. The older I get the more value I see in “The quickest path to silence.” In this case it’s writing a $30k check. You don’t have to pay for other’s mistakes but you do need to pay for your own.

@hamsternationrules7144

2 жыл бұрын

@@836dmar Fair point!

@drwpsych

2 жыл бұрын

She’s probably concerned about the welfare of her grandchildren and her son is probably aware of this advantage he has over his mom.

Never do for someone else what they could do for themselves. 💯

Best advice my dad ever gave me was "Nobody owes you anything. You got nothing coming!" This simple advice gave me a super hardworking mindset that set me apart and served me very well over the years.

@marysaltlife1427

Жыл бұрын

Stephen, my parents said the same thing. It certainly makes you take finances seriously. It propels you to do better on your own than perhaps you would have otherwise. Go, Stephen, go!

@VinciCastor

Жыл бұрын

I went overseas to work. When I got depressed and told my mom I want to go back home. She said, "if you come back you're gonna die starving. " best message I ever got from my mom.

@scubasteve9566

Жыл бұрын

Damn that's a good saying.

@katemiller7874

11 ай бұрын

He sounds like a prick.

@SuperCalculus

10 ай бұрын

You also didn't choose to be brought into this world. So actually, your parents do owe you quite a lot.

16 years and they don’t have enough credit to finance $30K?????? That’s less than most new cars these days!!!!!!!1

@jgjg3848

Ай бұрын

Mortgage is in the parents name, so the son never got the positive credit for making all those payments.

@BenState

Ай бұрын

@@jgjg3848 whoosh

Sounds like Your son needs to go homeless to get his act together. Often times, people don’t wake up until they have no option.

@AsusAsus-cp5cd

2 жыл бұрын

A compromise would be to give the son the house he deserves. A tiny tinyhouse (playhouse)

@franksnow5165

2 жыл бұрын

Yeah, cause the odds on making it back from homelessness are so good.

@charlesg7926

2 жыл бұрын

Oh and my old “friends” turned out to be disloyal jerks anyway. They hated me once I got successful, probably bcuz I reminded them of their own laziness and failures. Instead of being happy for me, they resented it. Glad I got better ones

@diggernash1

2 жыл бұрын

@@franksnow5165 If he is over 18 and out of school, the parents have zero responsibility.

@franksnow5165

2 жыл бұрын

@@diggernash1 Have you looked up th numbers on how many young people are having to move back in with family? 40 years ago they would have been unbelievable. Now, it's just the way things are because there are no jobs, the jobs there are offer inadequate pay.

She's going to end up paying even more to keep him from losing the house when he doesn't pay the property taxes.

Dave is 100% right here and it amazes me how quick he picked up on the situation. Mommy takes a guess the home is around $100k. Junior's been paying on this "100k" for 16 years. 100k divided by 16yrs is 6250/yr and 520.83/mo. HOW IS THIS THING NOT PAID OFF?!! Kudos to Dave for realizing this and creating a longer video on this "taboo" subject. Definitely, a topic that needs to be discussed more often!

@michaelquinones5168

2 жыл бұрын

I think she was saying the value increased by 100k since they bought

@megalodon1726

2 жыл бұрын

Probably a 30-year mortgage, and the son was paying the required mortgage payment and nothing more.

@choreomaniac

2 жыл бұрын

Let’s say they bought the house for $100k with nothing down. This was not uncommon in 3005. 30 year loan at 5-6 percent plus PMI. $900 a month in payments. After 17 years the balance is only down to $62k! In the first year over 80 percent of the payment is interest! $116k in interest! If they did 20 percent down and 15 year, $41k interest. Same monthly payment with pmi included.

@52CA

2 жыл бұрын

Truth be known they likely aren’t paying any rent at all or very very little.

@michaelquinones5168

2 жыл бұрын

@@choreomaniac would be no pmi if 20 perfect down though. So cheaper actually

I disagree all enablers are always kind, sweet people. They may seem that way. But alot of them are mentally sick and codependent.

@joshw7415

2 жыл бұрын

Many of them are manipulative and psychologically controlling

@terriesmith2616

2 жыл бұрын

Exactly.💯💯💯 Enablers may seemed nice but in actuality they're codependent, mentally sick, and manipulative. Something is psychologically wrong with them for them to enable unhealthy/bad behaviors.

@beatrixaltenberg5135

2 жыл бұрын

@@terriesmith2616 Depends on the level of enabling. In the end, there are many cases of bad stuff going on around us every day and every time each of us, including you, chooses to not bother with getting involved to make life easier for ourselves, we are an enabler of the bad people.

@katt6894

2 жыл бұрын

Sometimes it seems as if it's the easier route tor them rather than going against the grain and taking a stand.

@terriesmith2616

2 жыл бұрын

@@beatrixaltenberg5135 Speak for yourself. Don't include me in your mess.

Very grateful to have found this channel and the principles in my 20s. Some people in very sad situations later in life due to financial mismanagement.

@piotrnarozny3388

2 жыл бұрын

20s? Great for you! I have found out about Dave in 36yo :/

@petergietl4607

2 жыл бұрын

@@piotrnarozny3388 Still young brother - decades before retirement and plenty time to build wealth

@alisatjaden3906

2 жыл бұрын

@@b-rad-3849 I first time heard about Dave Ramsey in my late 60s, just a couple off years ago.

@fluffyspunsugar

2 жыл бұрын

You're very fortunate to have found him so young. I wish I'd found Dave Ramsey in my 20s.

Wow. I wish my parents would have been that generous

@shiftautomotive854

2 жыл бұрын

if only he knows how bless he is

@SerErryk

2 жыл бұрын

It turns most people into 40 year old children.

@2005Pilot

2 жыл бұрын

They really aren’t doing him any favors….he needs to Grow Up and Stop making babies he can’t take care of.

@saramatthews7159

2 жыл бұрын

That's what I'm saying! My parents told me I had to go at 17 and that was a wrap after that lol

Love that comment on the end. Soooo true. We aren't raising kids! We are raising adults who are going through childhood.

This is a parent who did THE WRONG THING by her child. The proof is in the pudding. She treated the son like a baby and did the hard work for him. SURPRISE! Sixteen years later the son is no better off and the situation is way more complicated. SMDH. 🙄

@Sizukun1

2 жыл бұрын

Yeah its called a "lawnmower" parent. They've cleared the way their entire life then when life happens to them as an adult they have no idea how to get out of the weeds. Hard to blame the "child" even as an adult.

@debra2107

2 жыл бұрын

The son obviously doesn't know about birth control either.

@maxrobins4282

2 жыл бұрын

@@wordsalad01 He put the cart before the horse. He was in default on multiple bills. So what's he do? Asks mom and dad to finance a house in their names. And THEN he decides to have four kids. And his finances are STILL in shambles today.

@maxrobins4282

2 жыл бұрын

@@wordsalad01 I'm making assumptions? You assume he had medical bills. "For all we know" he bought a new truck. You assume I was talking about his parenting. I said he did things out of order. Bottom line is, he's had 16 years to get it together. Why are you defending him?

@debra2107

2 жыл бұрын

@@wordsalad01 True. I don't know this man, nor do I know his life plan for a family. Sounds like his mother was upset that he wasn't honoring his financial responsibility with the house. I have no right to comment on his birth control (or lack thereof).

My sweet, financially savvy mom did quite a bit to help out my siblings and me in our young adult years. I would not advocate for every mom to help every young-adult child financially, but boy am I grateful.

Sign the house over without giving the 30K and let the chips fall where they may.

@angelafarrell-aimetti7775

Жыл бұрын

“Yeah Baby”!!!!

@chetmyers7041

Жыл бұрын

The person who makes the gift is responsible to pay the gift tax. It is not like winning a jackpot in Vegas.

@lorijharman-runyan6433

3 ай бұрын

She is not only giving the son the house, she is trying to get the mortgage out of her name. That's why she is paying it off.

I'm seeing more and young couples moving into parents' homes and THEN having babies while there. All so hubby can coast on a minimum wage job and wifey doesn't have to work at all. It's one thing to move in and hustle for a couple of years and then get out. It's completely another to move in and become squatters.

@sobeliever1638

2 жыл бұрын

Exactly, busting out babies instead of working to get out.

@BikeHelmetMk2

Жыл бұрын

My parents let me stay for years while saving up and starting to invest. We split responsibilities, and since I was an adult, they charged me $1000/mo. Seems like very little, but 10 years ago that was a lot more than it is today. In retrospect though, it was a bargain, and taught me that in the real world you have real responsibilities and bills to pay. That prepared me for an immutable mortgage payment a lot better. Now I have a home and a giant mortgage, and large cash buffers that let me sleep well at night despite that. When I got the place, my parents were so proud, they kept showing up and gifting me anything that I needed for it, for months. It made me feel very loved.

@WoodyJ98

9 ай бұрын

I mean, generational households used to be a thing. The nuclear family is new. Everyone knows it was far easier to buy a house before the 2008 crisis

The son is never going to change and there is no way I would pay the house off and give it to him. I grew up poor and my parents didn't help me at all once I left home at 18 to go to college. I'm glad that they didn't because I learned how to make it on my own and do what it took to better my life. I have never asked my mom or any other family member for anything and I never will.

@marysaltlife1427

Жыл бұрын

Wayne, you're a real man that society needs more of!

So many young 20 somethings now feel entitled. They expect you to drop everything and give them what they want!

A safety net is fine, a safety hammock is not. I love that. I also laughed out loud when he said I love you so much I'm going to help you move the couch And when he said that you're going to know what a callus is except for on your thumbs Ramsey was on fire with really funny statements in this call

Uncle Dave is so real. 🔥

She needs to sell out her interest in the house and let the kid figure it out.

The mother actually said “she was doing right by him” Meaning her son. She actually ruined him by handing him a house he had no idea how to afford or manage and which he could not get on his own. What’s gonna happen when both of these Parents have passed? Will they leave their son who has no idea how to manage money, all the money they have left? In this situation where the adult child has no idea how to manage money I would put everything in a trust for my grand children’s education. I would give everything else to good charities. I can almost guarantee you that the Adult son is not worried about anything because he’s counting on his inheritance. I’ve worked for estate lawyers for a long time and I’ve seen a lot of the worst of people that money brings out, and how entitled adult children are.

Sell the son

"You entertain a clow you join the circus" love it! Clean and neat with a bow on it, very well said.

@sh1fu

Жыл бұрын

Who raised that clown ? I take it if you raise a clown your a clown yourself. Stop pointing fingers at people.

"Your son deserves a mess...because he is a mess."

I’m a closing agent in Chicago and they could remove either the mom or dad & add the son & DIL onto the deed w/o a credit check & put that house in a living trust with the DIL &Son as beneficiaries so whenever the parent who’s still on the deed passes the son & DIL can keep it. PROBLEM SOLVED

I don't think the dad is going to give up his half. He's been paying for a deadbeat son for 16 years and doesn't have the cushion the mom has from what she said. If he has health problems I could see him refinancing his half..

@GBev7

2 жыл бұрын

The son has been making all the house payments. Sounds like the Mom is willing to buy her ex out.

@Jane5720

2 жыл бұрын

If he has assets such as his house, and he needs to go into assisted-living or go on assistance they’re going to want that house so he cannot gift it to anybody

My dad always told me and my brother and sister growing up that you can only help someone that is willing to help themselves or his other saying was help is a hand up not a handout he was always willing to help us as long as we held up our end of the agreement there was always conditions on getting his help on something

The 3:02 son has been making all the house payments, it's just not in his name. So he's not a loser, he just doesn't have his crap together

Nothing wrong with living with your parents as long as you're maturing and working towards your future. There are many benefits to having shared expenses and close family.

@anthonyquinn5927

2 жыл бұрын

This is the best way to say and getting a house. Paying the parent rent why you live under their roof

@michellerichardson3090

2 жыл бұрын

Unfortunately most of the kids take advantage and dont try to better themselves

@MattyLight30

Жыл бұрын

Nothing wrong with that at all. As long as you are being responsible and growing your carrier and maturing into an adult. Not partying and dicking off all the time.

@angelasepi657

Жыл бұрын

Yes, if the help is temporary.

@georgewagner7787

Жыл бұрын

My brother returned home until 40. He worked but never paid them anything

I am 32 and live at home. I make 75k a year, and pay my family rent monthly. I am building wealth. I do not understand the shaming of living with family as long as both parties are mutually benefitting.

@no5544

2 жыл бұрын

Why not rent and be an adult. How many women go on the second date after you tell them you live with mommy and daddy.

@k.alvarado6237

2 жыл бұрын

@@no5544 - because by renting from family I increase my wealth… and theirs. Your other point about dating is moot and childish.

@k.alvarado6237

2 жыл бұрын

@@b-rad-3849 not if you have a plan. And if I decided to live at home my entire life until death..what’s the problem. Who am I hurting.

@k.alvarado6237

2 жыл бұрын

@@b-rad-3849 then let me do my own damage

@cooleobrad

2 жыл бұрын

@@b-rad-3849 Slippery slope falicy. Your problem apparently isn't with a 32 year old doing that, but someone who stays til 45. Why the quotes around "building wealth"? Is it so hard to believe that someone who is living at home for cheap could afford to save and invest more money?

Give you grown child notice and sell the house. As bad as he has done he will not keep up the house. 10+/- years they will be evicted from the house for not paying taxes.

Sell the house so the ex has money. He's older and has probably worked his whole life, has health issues and doesn't have a good money situation. The kid is young and needs to bust his *** for a change. Quit having kids.

Every time this woman said "um", an angel got its wings.

🤔So let me get this straight. The son still has bad credit after 16 years living carelessly because mommy wouldn't cut the cord, but he had time to make a 4TH KID?! The math ain't mathing.

In my opinion they are feeling guilty for failing their son early on in life and he is milking their guilt.

This is fabulous. Tell-it-like-it-is Dave Ramsay is handing out tough love in the best way! I need a good dose of that! Thanks Dave & team.

This is great advice to parents and many parents need to hear it. Thank you for the honesty! Being a parent is the hardest job and sometimes people don't realize what they're doing until someone points it out. God bless.

@Matt-cr4vv

9 ай бұрын

She knows the truth she just has refused to accept the truth because she loves her son and the truth hurts to have to accept that he’s a loser and has been openly tsking advantage of her generosity for his entire life.

Don't participate in someone else's crazy! Amen!

One of the biggest misconceptions of my youth was that all wealthy people were more intelligent than me.

@Ink30

Жыл бұрын

Very true alot of them know nothing about money

Finally a co-host contributed to the conversation other than disrupt it. And he is nice add-on. Keep it up!

Raising children is hard work..... unless you take the easy road and spoil them.

If I were in the caller’s situation, I would pay off the house & set up something like a trust fund for the four grandchildren & have the house part of that trust. Their son & wife are obviously incompetent financially so any money going their way would just be wasted. At least there’s still hope for the grandkids.

@Neddie2k

2 жыл бұрын

What kind of kids do you think they will raise

@terriesmith2616

2 жыл бұрын

Often times, the cycle will repeat. The son and his wife will most likely raised messed up kids because that's the only behaviors they were taught. There's always exceptions, but exceptions don't make the rules.

@CreamIceMs

2 жыл бұрын

@@Neddie2k well, not necessarily. Some kids pick up in their parents bad behavior and strive to be better. Some kids are just different genetically and have different personalities and could be better at handling money regardless of their environment. Some kids can start off bad with money and then learn good financial habits. It's hard to predict.

@BikeHelmetMk2

Жыл бұрын

@@CreamIceMs All it takes is one friend to provide an example, and one dolty parent, and a lot of kids can figure out the better path. It's the "Lisa + Homer Simpson" paradox. Putting it in a trust for them seems like a good idea. Stick some ETFs in there too and have property tax drawn from it... give the whole family a "homestead" that they can fall back on, etc.

@tonytoni1150

11 ай бұрын

No there isn’t

I've had to learn many hard lessons from debt to finding my true love. My life was never easy because first, I have a learning disability, but I've learned to work hard and power through. 2nd, I got myself into debt, but I'm almost out. So I always say to myself and others, "Keep Moving Forward."

In the first two minutes i heard two issues one they had SIXTEEN YEARS to fix their credit. Two it’s in Daddys name and he is dying but they seem more worried about them losing their house than their dad dying even when dad bought them a house. What a piece of work couple.

Helping someone in a tough spot is good, but in general, people don’t value what they don’t work for; so it’s not surprising that he doesn’t appreciate what his parents had to do to give him that house.

Before the ink dries, the son will take out home equity leans and live the good life. Eventually, they will sell the home or it will go in default.

I like the way she casually said “a couple million” when Dave asked her what her net worth is. She is my hero (minus the parasite son) 😛

@AV-iw3xc

2 жыл бұрын

Really? An enabling mother? She could have married into all that money for all we know. She showed basically no desirable qualities in this interview. She may be a wonderful lady but this call didn’t show us that.

@buffybanks9853

2 жыл бұрын

@@AV-iw3xc and what are you an what you have? Sounds bitter even if she married into money.

@eckankar7756

Жыл бұрын

@@AV-iw3xc EXACTLY!!!!! She nurtured her son into becoming her dependent pet for life. She intentionally kept him needing her to rescuing him by training him to be a professional victim. Gifting him the house isn't the end...this story has many more captures of just the same twisted relationship between mom and son.

@mondifournier

Жыл бұрын

I will take the next house please and pay back in 16 years 🤣

@georgewagner7787

Жыл бұрын

The second husband had money

Worse thing my parents did put of the kindness of their heart was give me money when i was struggling (because of my own stupidity) once they stopped helping me i learned. Now ive fixed my stupid money problems. Self supportive, successful at work. Best thing parents can do for their children is let them figure out how to get out of their own pickle

I have seen this in different people my whole life.... enabling ends in loads of sorrow. Rarely ever helpful, rarely really appreciated, and always ends in blowing up family relationships.

A tree in a windy location grows stronger than a tree in a sheltered location. I was spoilt a lot as a child but I quickly realised that the only way I was gonna be able to become a strong adult was by breaking away from my parents generosity.

Dave straight up calls her son a parasite on the call… she didn’t respond but deep down she knows it’s true.

@JakeStewart1343

11 ай бұрын

The truth hurts 😢

@nicodimus2222

9 ай бұрын

Well, to be fair, all kids are parasites. It is expensive as hell to raise a child, so you have to go into it knowing that this thing is going to 100% depend on you financially. The thing is, it's supposed to end in about 18 years, and when it goes on and on for a few decades, it's not a good thing for either the child or the parent.

Gotta love when irresponsible people have children and then get to use them for emotional extortion.

When I bought a house for my daughter there was 1 condition she paid all lawyers fee and mortgage .could not miss more then 2 payment . When she missed the 2 payment I sold the the house and she had to move to a apartment

This podcast is 1000% truth!!

I would sell the son the house for the purchase price. He would benefit from the inflation in the long run but at least the parents would get their money back.

@DBS472

2 жыл бұрын

The point of the call was that the son has zero money and couldn’t even get a bank to loan him 30k. That’s why they “have” to toss up their hands and give it to him. If a bank or CC won’t even lend 30k, he’s messed up beyond belief

@mikemcbeth3216

Жыл бұрын

They would will never get their money back

This is how is OCS (only child syndrome ) destroys lives, you need to protect children to a point, but at some point everybody needs to " man up"

enabling your children is the worst we could do, and yes, they become parasites. We as parents should teach them to be independent and to be able to learn through their mistakes, we should not fix their lives anytime they screw up. Once we are gone (die) they lose themselves all the way, it happened to 2 of my siblings. And it is so sad.

God Bless you Dave Ramsey for dealing with such irresponsible people. Love how honest you are 🙌🏻

Dr. Frankenstein, YOU have created this monster.

@galegrazutis964

2 жыл бұрын

A VERY EXPENSIVE monster!

Their enabling behavior could be a direct relation to the health issues: makes your heart sick!

What I got from my physically and mentally abusive dad was I was welcome to stay at home for as long as necessary, but once I left, I was not to come home for anything longer than a meal. I left at 18 (1968) and came home for Christmas and Thanksgiving until my mother died (1972), then there was no reason to go home. I didn't see my father for many years, I did run into him at a funeral once, and when he died in a roll-over accident I went to his funeral; my duty as a daughter was done.

I can tell a memorable story: When mom was doing 50-60 hours of work-weeks, her little daughter was often in grandma's care, had her own bed, all necessary things and a corner for her own play-things. A little girl, a BFF, came to visit and marvelled at so very few toys. - Don't you have more? the visiting girl asked tring to shame the grandkid a little. - Not here, I have more toys at Mom's, but my Nanny loves me so much, that I only have these favourites here, because that is best for me. This was surely precocious and echoed Grandma's own words, but the thing is the relationship and the days at Grandma's were totally harmonious. Grandma was absolutely kind and patient, but also sure of her values, able to say "no" and the little girl could 100% rely on her steadfast Nanny, and her love, like being her second Mom. Grandma had a profound philosophy behind this. You can only deeply love a few dolls (people), you best develop your phantasy without an overload of ready made things, and children need to be engaged in continuous playing that they've invested in, plays that goes on for weeks and months and years, developing with the child, not being distracted all the time. Children can learn about long haul and resourcefulness in their playing. Children should be protected from overwhelm. If they have more things than they easily can put away in their right places, then they have too much things. Right places are for example that dolls know where to sleep, cars in their garages, plush toys in their cosy corners. Everything has to have their proper place so that mess can easily be cleaned up.

@turtleanton6539

10 ай бұрын

Yes😊😊😊

@DNA350ppm

10 ай бұрын

@@turtleanton6539 🐬 🙂

Oh my goodness. It is crystal clear how her son ended up as helpless and unaccountable as he did. They raised him to end up this way. At this point Lady - just pay the house off for him and out it in his name. He can’t do anything himself. You and his father have failed him and he doesn’t have it in himself to grow up.

@georgewagner7787

Жыл бұрын

He should change for the sake of his children

@katiejon17

Жыл бұрын

@@georgewagner7787 true. And gangsters “should change for the sake of their children”, and druggies, and alcoholics, and pedophiles... the list goes on. But often what people “should” do is not what will happen in reality.

@tonytoni1150

9 ай бұрын

My dad in a nutshell.

Loooord. I know someone with a parasitical 40 year old son. When he tried to manipulate me against his mother, I told him off. His sad story quickly turned into verbal assault. She could take action to free herself, but she will never let him endure the consequences of his actions, and will never change. I will never call her house again. We communicate through email and get together now and then; it is a long-term friendship. These parasites - most often sons - ruin their parents' lives, financially, emotionally, and socially. Parasite is a nice term, and so is enabler. It is a very sick relationship.

They need to just sell the house and be free of the entire matter. Son can rent a home with his wife. They have been making all the mortgage payments for 16 years, so they will have plenty of equity to either try to buy another house or rent one.

I would be embarrassed if my parents did this for me.

@Matt-cr4vv

9 ай бұрын

Clearly he’s a mooch who doesn’t feel any shame in leaching off his parents for his entire life. And they haven’t forced him to change his behavior.

I’ll be her son. I promise to be responsible.

“The devouring mother”….

Don't ever buy a house in your name for the kids. Let them stay home and clean up their credit. Refinance the house in their name so they lean to pay their bill.

Good parents want to see their kids suffer a bit because they appreciate the character it builds.

@CatherineGoodrich

2 жыл бұрын

And they want to do it while they're still around to catch those kids when they fall down. I'd rather be a catalyst for those life lessons while I'm on this earth to guide them vs spoil them now and have them struggle when I'm gone. My job as a parent is to make sure they're OK without me. It's not glamorous most times, but that is the simple objective.

@barbieblue3336

2 жыл бұрын

She is still a good parent

I wonder how long the son owns it before he cashes it out with a HELOC to buy toys, then they foreclose on him because in his whole life, he’s never been in control of his finances. This will not end well.

Yeah, the nursing home is going to EAT that house in one bite. That's what is going to happen here. Junior is going to be screwed, as he deserves.

If the sons credit is this bad, owning an asset like a home will not work out well. Some creditor will put a lien on it, or he will borrow against it until there is nothing left.

Sell the house out from underneath them.