62 with student loans, insanity

My gut tells me he has plenty of $$ to pay his bills, he's taking advantage of sweet old step mom.

The stepson should be reported to her County Social Services office. This is financial elder abuse and there are laws against it. Also, and I hate to say this, but she’s not safe if he knows he gets the money after she dies; he may not want to wait.

Honestly the staff at Dave Ramsey should report this guy to whatever state he is located for potential elder abuse. It has all the red flags for it and I guarantee it’s been going on since the father has passed.

He thinks the money is his and he wants it now!

You never tell anyone what you have in the bank, including family members.

My grandma used to always say. No work, no eat

He asked for 69K instead of 70K. 😂 He's quite the creative trickster with price points.

"Heart attack, couple strokes, diagnosed with severe degenerative disease, but other than that I'm fine! " Ha,, they glazed by that line, but loved that

Small amounts $12k $35k, that's not small amounts. Small amounts is $100 🤔

if she gave him the WHOLE trust, in a few months he would be broke and asking her to give him her social security check, or sell the house... I would NOT want to be in her shoes.

NO is a good word. NO is a wonderful word. NO is a magical word. NO is a great word. NO is an okay word. NO is a good answer.

Imagine having student loans at 62. I wonder if that college degree was worth it.

He is trying to get his inheritance while she is still alive. He is a lot slicker than the other brother who went the legal route.

Dont do it grandma, this guy is a red flag.

Here I am refusing to give my 22yr old daughter penny because she has yet to get a full time job.😮

Dave's face when she says 62!

Dave and Ken are afraid to condemn this woman. If she were 50 they’d jump on her for enabling.

I am continually flabbergasted by children fleecing their parents. When I moved out at 18 years old I never asked for money. Paid my own way and am better for it.

He’s basically asking for his inheritance upfront rather than waiting for stepmom to use it all and die. And doesn’t want to go through the legal means to do it like his brother did. That’s my take but Dave’s advice is right.

I would send someone there to do a wellness check on her and make sure the son doesn’t take advantage of her any further 🙌

This qualifies to be reported as elder abuse.

my head exploded when I heard student loans.

That's just ridiculous to ask for that much and he's that old. He's probably worried that all the money will be eaten up by her nursing home care when she needs it.

Similar situation with my in laws and their loser son. They have enabled him for 27+ years (he is 48 now) and they won't see how he has put them in poverty. They have no retirement, they kept giving him monthly nearly $2k for that whole time!

Concerned for this woman’s safety with this man

These greedy people. He is trying to get at her money before she passes away.

I hope she tells him no with someone else or two in the room!

Off to the bank she goes. too nice of a lady.

This is going to be my soon-to-be ex-roommate in about 25 years.

That man is just using her!! Poor women.😅😅😅

Classic Dave Ramsey call! Glad the GOAT was in the building to take the call.

Sickens me how this 84 year old women has to deal with these situations at this age when she is supposed to be living a peaceful retired life instead. Really messed up world we live in. Lesson learnt, never trust anybody with your money. Even your family members!

This is wrong, the son should work and finance his own lifestyle.

If am 62 and have that much debt I won’t even bother. 😂

If I were the child of this generous lady I would have a very strong talk with her and my step brother. This must stop now!

Cannot be asking money like that. He knows the trust is there. That’s not for him.

Cut him off YESTERDAY! You poor lady!

Sounds like this guy is hustling his step- mother because he thinks she's old and doesn't need the money anymore. There are people out here like this!! I really hope she doesn't give him a dime, he should be ashamed of himself.

The way he whispered @1:46 😂😂😂

She should have laughed in her step son’s face after he asked her for all that money

that matching on payments is a clever solution

62😮😮😮😮😮😮 DON'T DO IT

So, he's buying a house, and he also has a piece of land that he's paying on. What's the land for? Is he farming on it or running a business there? (I suspect not.)

You need to learn to say “NO”

Sometimes you help others more by not helping them at all. Not much is a better teacher than struggling without a fall back safety net

I'm sure he's close to you, but he wants to get closer to your bank account. No need to ask him about his money -- it's up to you not to let him spend your money.

Truth is stranger than fiction This one takes the cake 🎂!

Love Dave's advice at the end! Perfect!❤

The step son knows that the money in the trust is his in the end, so he's trying to get his hands on it now before it gets spent on her health needs over the next few years. If she runs out of money down the road, he will be nowhere to be found/

Be careful he doesn't do something to her to cause a premature passing 😵

Wouldn’t be surprised if he’s spending it at the casinos! 🙈 Tulsa + OK sadly have too many of those 😢

This shows how important it is to have a will and ensure everyone knows what they are getting so others do not feel obligated to share what is there. There needs to be boundaries

I'd be interested to see what she ended up doing, I imagine the stepson would have guilt tripped her into giving him the money

Great advice!

She has given him money since the dad died. The other brother tried to sue to take what was their home. This stepson is the smooth snake. He WANTS his inheritance and may not NEED it. There is gift tax on anything over 17k per year so no I can’t give it to you because of the taxes.

Just say no. How can he learn if you keep enabling him?

Dave not only talks the talk, he walks the walk! which is manifest in his successful family and business!

I like Dave's approach in this video

Strangely worried about her life if she tells him to wait for her death....

Just imagine the cajones required to ask your 83 year old mother for that much money, Jesus H. man.

Thank God, I’m childless. But if I were in that stepmother’s position I’d find a way to spend ALL THAT MONEY and would never tell the MOOCHER a thing about it. He would be very surprised…hummm that would be delicious!

That is great advice Mr. Ramsey!

Lady…let him sell his stuff/land. He needs to deal with his own life.

He knows the father left it to him… so he’s tryna ring every penny out of her before anyone else touch a dime…

Enabled people like this who have been given so much grace over the years in the form of large financial payments will do evil things to their enablers, no matter how much they say they love them. I pray that she is well taken care of and protected. ❤️❤️

Gambling, opioid or shopaholic addiction. Any of them should not enabled.

Sadly have an uncle that does the exact same thing to my amazing grandparents. Still boggles my mind to this day and the guy has no shame, remorse, and always has excuses. Its a never ending well you are filling and things will never change unless you stop the free handouts.

It sounds like her son is using her because he knows she have the trust. He feels like he don’t have to be responsible because mommy will save him. This is crazy. No, do not gave him that money and get a food tester.

This man has an excellent future ahead of him as a politician in the Democratic party on the national level .Democrats seem to love these qualities in a candidate.

Great advice! My bet is step son won't go through with the suggestion and will blame step mom.

I know it's hard but we need to stop caring, to help adult kids that won't grow up. Dad needs to stop caring too aswell

Assisted living costs an average of $80,000/year. Nursing care runs $100K+/year. Average time spent in care, excluding Dementia care, is around 2 years. [Dementia care can readily last 8-10 years.] NONE of that is covered by Social Security. To get state Medicaid which covers [subpar] care when her money runs out, there is a 5-year lookback rule which checks for any money that has been given away...with a dollar-for-dollar penalty. This woman needs all the money she has left in the trust. Plus, you absolutely know that neither stepchild will be there to help when something "more" serious happens. It will fall to her own children to take her to doctor visits, help her manage her health, do her shopping, pay her bills and arrange caregiving.

62 and student loans 😳?

he will never learn as long as you keep giving him money. He has a lot of nerve to go to his mom and ask for money. He's a grown-up and he can get a job. I hope he didn't give him the money.

No is a powerful word.

FPU's not gonna help him cuz from what I heard, he doesn't wanna change his habits.

I know a couple who partially support two of their three children, who are in their 40s. It's as though the parents do not want their children to be financially independent.

I'm worried he would try and harm her to get the money early

This is heartbreaking. She needs to just shut the door.

My Dad passed one year after my Wife passed, and my Mom and I developed a closer relationship. My Mom just started giving me money. I asked to borrow a few times, but when I sent a check to pay it back, they never got cashed. My Brother was infuriated.

This call is so hilarious 😂

I wouldn’t match anything , I’d tell him to get a job & provide for his own self , this is pitiful , he’s a big boy now , he needs to act like one .

It seems somewhat common that kids think of plans to get an "advance" on their inheritance that makes sense in their minds. In this case, the guy probably thinks it's kind of his already and stepmom ended up in the middle between dad and him. He just thinks it's sharing...

This is crazy 🤣🤣🤣

I don’t know that people asking people for money but I do know that we all need to be responsible for ourselves. That being said people that are successful seem to put down the people that are down on your luck and have problems. Why don’t we start helping people instead of just tell him to get a grip. Sometimes there is no grip to hold onto.

The way he says does he not work..much is quite passive aggressive but aggressive enough to get the point across

Step daughter here. After I left my ex husband, I had to borrow money from my stepmom. My ex took three fourths of our money out of our joint account. I had $2500 to take of myself and our daughter for two months. My stepmom let me borrow $2000. That was one of the first debts I paid off with the debt snowball. That debt was paid off five years ago. How sad that this 62 year old man doesn’t know how to manage money. When the trust goes to him, it will be gone in six years.

It still won't be enough

62 and asking mom for money, let him go bankrupt lol who cares

She needs to say, "No." She would be enabling him. He is using and abusing her. He over spends and is relying on her to give him all he wants. She needs to tell him no.

No, no, no!

You can see Dave fizzing in this one!

I’d be sleeping with one eye open and a shotgun under my pillows!

Ramsey wake up! Median income in the U.S. is $35, 853. What do people do with all their money?

The money in the trust from the late husband is for her to live on until her death. The stepson should have to wait until all of stepmoms debts /medical are paid and she has passed. That could be another 10-20 years. Then and only then does he get anything from the trust. At age 62 the stepson should be able to hold his own fort. Stepmom has no obligation to give $$. She needs to take care of herself first.

He probably trying to give some of that money to the othe brother that lost the lawsuit

Just say NO!!!

He will figure it out if you say NO!!

This was a great call