yeah, they did not have time to find an apartment to rent, but had time to find a house to buy and finance it. WOW

I definitely will be using that saying somehow cuz it was that good.

Dropping the MIC!!

Next thing they'll start having kids together, but still won't get married

Somebody doesn’t want to. Probably him. There’s just something about being married. It’s just so different from even buying a big house. People do this all the time when they don’t really want to be married to the other one and they still want to feel like they have 1 foot out even if they really don’t legally because they on all this crapp.

@@1stLtDavis Signing a government marriage contract and/or having kids is very different than buying a home. My girlfriend and I already owned homes before we met in 2001 in our 30s and paid off over 15 years ago completely debt free. Didn’t need to “feel” like we were married because we never wanted to get married. With things like no fault there’s already a foot out anyway with plenty of drama and financial loss in the courts.

Sounds like something to share with your therapist.

It sounds like a nervous giggle. I’ve been in her position; when you know he has no plans to marry you.

Hard to change from lifelong friend to lover.

@@John3.36 this is very true!!!

Broke up with someone you were willing to marry and then married some other guy within the year after 4 months of knowing each other? You just ready to get married to anything hey.

@@oshkoshbegone I think that’s a more common tale than you realize. Are you married?

@kbere4142 soon to be, probably.

Could be non-imputed income. As part of your compensation package, the car is leased for you as a Personal car. Like paid for housing.

Yep - she made that up when she realized they were about to tell her it was risky to both of them for HER to drive HIS company car.

She’s begging for trouble

You are so right, she is very insecure

They’re employed by the same company but I still don’t believe for a second that she’s covered to drive his company car. Risk not worth the disaster here but people enjoy playing with fire trying to save a few dollars.

she said she has coverage for driving the car but they probably didn't challenge her too much on it

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@@lennoxmutterick6434 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

@@Ingridlourd02 Oh please I’d love that. Thanks!

@@lennoxmutterick6434 Clementina Abate Russo is her name

Lookup with her name on the webpage.

Lots of people use a company car for personal use.

I’ve had a company car for over 20 years. You can add your spouse as a driver to the car if you pay a little more per month for the car. I can only think of 5 times where that actually happened as it never happens where she needs to drive my car.

@@jimmymcgill6778 Yes, they use their company car for personal use. It's OK to do that depending on the type of contract you have. It's a different story when they let someone _else_ drive their company car.

@@MrClassicmetal Sounds like they both work at the company. And she is also covered under the policy for that car.

I knew an employee whose wife got into an accident using the husband's company car. It was messy: There was no insurance to cover her because it was determined that she was using the car for personal use, and the company cars were for company-related use only. Lawsuits were filed and he ended up leaving the company. Not all companies are okay with employee's using the company car for personal errands. 😕

100 bucks!

Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.

Some people don't believe in marriage.

Some people are unwise

JOHN 14:6😊

​@@jeffreyowens9487Some people are idiots.

Not if he takes one of those work from home jobs. No need to commute.

@@strangeroamer3219 She still needs to commute though. And with the debt she's bringing into the "marriage", she needs to get to work.

We have created a "why buy the cow when you can get the milk for free" cesspool of a culture and it's sad and destroying America.

Been married for over a decade. Best decision of my life. I spend everyday, with my bestfriend. 😁

@@DJRiyzenIt was the best decision for me as well. My husband and I have been married for over two decades now.

​@@DJRiyzendid you have to be married to spend every day with him?

Maybe he does not have a personal car. 😂😂

@@user-mv9tt4st9k she said he does. She drives his company car while he drives his personal car.

That’s easy. The company car is probably newer and looks nicer.

@@annapatton4544He should be driving the company car, not her.

@@BlueDauntless oh, I absolutely agree

If the title is Joint Tenancy, it is Joint Tenancy married or Not married.

Marriage is illogical as well.

Congratulations on the marriage

They are already "playing married", they should go ahead and actually do it.

They both use the appliances and home so that is already joint debt.

At the end of the call when Jade was outlining how after they are married the caller's debt becomes "their debt," it clearly explained why he is not marrying her. If they break up they sell the house and split whatever equity minus mortgage owed, and she walks away with HER debts.

He doesn’t want to get married. And he won’t. Don’t worry. Men aren’t afraid of marriage if they’re actually in love (or actually bamboozled).

@@user-mv9tt4st9kBut let’s say she gets angry when this ends. And stops paying on the house and appliances. That’s their joint debt. She can do that and screw HIM over in the process. And nothing can really be done because they aren’t married. If they were, the law will clearly define how to split assets and there’s recourse if she doesn’t play by the rules. This happened to my mom. She and her live in boyfriend broke up. It was his house, so we had to share an air mattress in a friend’s apartment for a few months before she got her own house. They bought a fifth wheel and a boat together. I don’t remember what happened to the fifth wheel. Probably sold it. But the boat was stored in a marina a few hours away. Her name was on the boat, because her credit was better, and they came after her when he stopped making the payments on it. (She had better credit, but he had the better income.) It was a nightmare to get him to agree to either sell it or get her name off of it.

Soon

Let's be sarcastic and say, as soon as George resigns. If I were him I wouldn't stay in a company where my boss publicly rolled me in the mud.

@@jazzadwhat happened and when?

The company I work for often pays for cars for employees (rentals, not leases though) and all employees who are not even given cars have to sign an agreement as a part of the hiring process with all the do's and don'ts about driving a company provided vehicle and driving in general while being "on the clock" for business purposes. Recently they sent a few of us to another state for a few weeks and gave us a few cars. One co-worker that I had a matching schedule with was told to carpool with me. And since the car was provided under my name, no chance in the world I was going to let him drive even to the gas station. No lectures were read to me, no one even said a word about it. It has to be common sense!

You can buy the house, then add the GF to the title. If the title is Joint Tenancy, it is Joint Tenancy married or Not married.

He has his own car too

😂🤣

Maybe it's one of those clown cars

The concern moreso when the Ramsey folks discuss this issue is what would happen if one party were to die and there isn't a will, in which case a judge would likely rule that the dead party's assets would go to next of kin meaning the living party ends up owning a home with the dead party's parents

The sooner they get married the sooner that guy can tell them to get divorced because "that's not a marriage."

What will happen if the relationship breaks up?

In that situation, each person has legally protected rights to maintain ownership of their share of the property or they can agree to sell it. What happens when a married couple gets divorced? They can keep the property or arbitrate the sell of it or go through probate court

Nothing lol. There’s no benefit at all for him. Marriage only benefits the woman most of the time

If it's in his name he should also be the only one on the mortgage.

Like Jimmy, our resident troll

@@alinatamashevich3354 Your comment has me dyin' LOL LOL LOL LOL

If the title is Joint Tenancy, it is Joint Tenancy married or Not married. If the title is tenants in common, then pay $30 and change it to joint tenancy like a married couple.

THIS

Just because you can do it, it doesn’t mean you should even if the relationship worked out. Don’t get in legal things together and act like a married couple when you’re not yet. Lol.

@@topsykretts2264 Don’t get into NON- legal things together. if John, Bill and Susan own property as joint tenancy with right of survivorship, and Susan sells her share to Ann, Ann is not included in the joint tenancy and can will her share to her heir. Yet, if John dies, his share goes to Bill. How will the property be held, The Title? I owned a house, I added my new wife as Community Property with rights of survivorship. She had to sign docs that said she wish to be a Co-owner.

You are assuming that everything is going to go smoothly and she's not going to get into an accident. In that case, she can take the risk and hope it all goes well.

That appliance debt is both of there’s cuz that’s for the house

Are you single? Lol

The man don’t have a choice since his name is on the mortgage and appliances debt

"Brings with benefits"

YEP. They same problem would exist if they are married or not.

Isnt the reson that in divorce the court can force a sale through if 1 person wont cooperate or show up, but if dating and 1 person ghost out, the other person is stuck with the house and cant sell.

Not the same at all. Without marriage, as Dave said in a recent video, it's a general partnership without any documents for the partnership. One person can stop paying and it becomes the other person's responsibility, but they can't sell without the other person's consent. With marriage, if they divorce, the courts will decide what happens to shared assets and both people have to comply.

The DEED is only used in the transfer, the title is how the property is held. ONLY if titled as Joint Tenancy, not if Tenants in Common.

Ladder, but nice try.

@@michaelc7014 Apologies, I do try to get the proper spelling. I’m actually hard on myself about that. 😅

LADDER - SPELL CK GOT YOU AGAIN!

Sign of the times... ??? 🙄

It's called right of surviorship.

both names are on deed.

@@Dan16673 I’m assuming it would go to the next of kin. Like a parent.

The deceased person's share would pass according to their will, or according to "Intestate" laws, I believe. So the survivor could end up owning the home with the person's parent/child/sibling

@@linuxsurfer2002 yep. How nice!

What's the difference? They're 50/50 now...

Then they shouldn't be together if they don't think they will last

@@lifestream4191 Yeah I agree - if she's worried about getting screwed, then they can make a contractual arrangement without getting married. Ramsey too easily dismisses the negative consequences from marriage for men.

@@charly44ish Yeah they shouldn't be pretending to be married, especially with a 50-65% divorce rate.

@@thebeegood1731 What you don't get is that it's not only present assets, but future assets as well. It's not red pill talking points, it's common sense. It does not matter whether the woman is christian or not, the likelihood of divorce is the same.

Probably to save money on gas, insurance, and leftover payments on her personal vehicle. It adds up.

@@strangeroamer3219not saving on insurance as there’s a lien on the car since it’s not paid off which requires full coverage. Other than that, saves on gas and wear/tear though.

Fairytale thinking based on creating instagram lives and playing house

They think they’re protecting their selves by not tying the knot.

The male is protecting themselves by not getting married. The male is usually the one who loses the house, half the pension, the bank account and pays spousal support for decades when divorce happens.

Some people don't believe in marriage and no one should ever sign any contract.

Without any kind of separation agreement she could take him to the cleaners. More worried for him than her. She could seize everything in the courts.

Lol

Passive income is truly the dream! It is a great joy to know that your money multiplies while you sleep.

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INSTAGRAM

Theresaannecann08

Yeah my girlfriend and I have been together for over twenty years. No marriage contract and no commingled assets. No kids. My homes in the U.S. and her homes and other assets in Italy before we met in our 30s. No need to depend on each other for money/finances and does not affect the relationship. Always knew she had the freedom to leave the relationship since the beginning.

There is no protections but there is recourse in court which is actually protection. Got it.

It’s also a legal argument.

I was wondering the exact same thing 😂

He's collecting his trophy for being first.

But she's apparently ok with living with him, sleeping with him, and driving his car. She's already "playing" married.

​@@linuxsurfer2002marriage means every dollar you earn is no longer yours and that may even be the case if you divorce

Exactly. Why are they being such drama queens here?

@@mikekeenanphdbecause they can’t use their own brain and deviate from Dave’s advice

Big legal mess with two single people on a mortgage!!! NO excuse not to get married NOW. You don't even have to tell anyone, have a small ceremony later. You went into major debt with a single man who isn't your HUSBAND??? That's crazy!! Keep YOUR car.

@@lanakeeton8102 have you ever heard of the big legal mess called "divorce"? People can be committed to each other without being married, and into todays world marriage means far less than it once did.

@@m.carroll There's a big difference legally between a divorce and two random people deciding to go their own ways.

Yes but marriage prevents one person being lumped with it all if it went sideways.

@@sashalawrence4786 idk man my granddaddy was married and his wife left and he been paying on they house this whole time while she been gone.

Im divorced and its very unpleasant but worked fairly if i had been living with him as a boyfriend i would have got nothing and would have been homeless,

​@@ruthirwin8222marriage isn't the only protective contract available....I'm noticing , as marriage and finances are being discussed more, that most people ignorant about legal matters

Definitely not in the marriage vows.

​@@blackworldtraveler3711"... In sickness and in health, for richer and for poorer..." Those lines were included in my wedding vows.

​@@blackworldtraveler3711marriage vows are whatever you decide they are. A marriage certificate is a contract that's mostly about money.

Their point is that they're already living as if they are married anyway, so allegedly the love and commitment is already there anyway.

Money is everything.

This is a show about financial advice. The employees may be Christian, but that's not the primary focus of the show. They should expect for secular people to call in from time to time. There's plenty of other Christian radio shows if people want to call for spiritual advice.

@@strangeroamer3219 if you call in Dave Ramsey you will get both.

So you’re rather play the system than be honest?

@@BlueDauntlesswhat system am I playing? The system where I marry a man in the military, he dies, and then I collect the benefits I’m entitled to that my late husband paid for with his life? How shameful of you to act like it’s a welfare hand out

Dave has talked about this several times in previous videos. Without marriage, there is not a set process for what happens if you split up, so one person can get stuck with the debt, but not be able to sell without the other person agreeing.

If either of them have something happen that incapacitates them, the other has no legal standing in terms of shared assets. They can get a partnership agreement that will serve the purpose, however, such agreements are impersonal and not a reflection of the love intended between a married couple.

@user-ly3ik9oj5k There is a lot of difference in legal matters. Courts handle married couples differently than a couple of unrelated people.