Imagine living in Texas where there are thousands of houses under $500k and thinking you can only buy something for $2M that need a lot of fixing up

Lady doesn’t need a contractor, she needs a therapist.

This lady is kookoo for Cocoa Puffs

Good grief this call was exhausting. I feel bad for her husband. I bet they work at opposite times because he needs a freaking break from her.

This lady is the definition of high maintenance...in more ways than one.

No wonder Ramsey cut the call early, that was exhausting

Ain’t no way I’m considering a $2 million house for a fixer upper. That house better have every single thing I ever need

The state of Texas does not require a contractors license; however, the county or city could.

Her ideas and thoughts are everywhere

I'm sure Dave is going to have a word with the call screener after that one haha

What is she even talking about lol. A 2 million fixer upper in Texas? I feel bad for her husband.

Husband quit work for 2 years and they went crazy spending money. Now they're going to go crazier. 😂

Nothing makes sense with what she is saying. Her whole life is chaos

When Dave says “I’m tired”, thank you Dave! At that point I still couldn’t understand what this caller was saying, doing or trying to figure out. I was only still listening to see if she ever got to a place that made any sense at all 😂

This call was the equivalent of drive faster when you are lost.

Does she not realize that if she doesn't have debt and lives on less than she makes she would be able to possibly buy one or two houses a year then rent them out. Like seriously. She is bananas. Save the money and buy that house if you want it.

Well, anyone elses guess is as good as mine, but reading between the lines, she wants to buy a $2,000,000 house --a house which can they marginally afford and when they have no savings, and which she is really paying for the land because the "house" is trash, and she expects her husband to spend all his freetime renovating it. Husband is thinking, "why in tarnation would I want to do that?" Nice dream Caller, but now come back to reality and stay living where you are living--because whereever you are living, it is surely better than this nightmare proposition you are trying to coerce your husband into.

I have a headache. Imagine living with this woman

Lady, relax. You don't need that much of a house. Especially when you think all over the place. Honest feedback: the voice, the tone, the enthusiasm, the all-over-the-place-ideas require rather an strong advisor more than a 2M house. Friendly advice.

This was likely the most hyper call-in to date.

🤣 You know these people come on this show just to flex... a $2m FLIPPER! Shut the front door!

Texas general contractor licenses/ regulations are at the county and city level (not the state level). It isn’t that all of Texas is a free for all.

Sounds like a good mental health expert would be a good investment.

This lady is straight off her rocker!

Don't forget about property taxes. They will go way up; and for as long as you own it.

Coo coo alert. Thanks ~Jim Eagle

"You're so brave. You went to the third floor and everything." 🤣

I’m so lost with this call. What is she even calling about? 2m dollar home? Seriously?

As a Californian and the location being Austin, did anyone else get strong "California transplant" vibes?

“I’m exhausted” Amen Dave!

Love the cut off from Dave 😂

George could almost not hold that back 😂😂😂

She just wanted someone to talk to. She’s nuts. 🥜

@4:46 Dave hangs up on her because she wants to go against his 15yr home plan 🤣

A $2 million flipper? You've got to be nuts!!

She'd have to put down 700k to get her payment down to 1/4 their take home pay at 5.7 percent she cannot afford this house

Amazing this woman can make any money at all let alone 550k a year

The hard silence button push at 4:45 😹

Sometimes intuition is masked as anxiety and hesitancy

I'm mentally exhausted just listening to this call. Can't imagine living in it.

It will never not be enough for this lady. She will get it and want something more

Bro…..all that salary and nothing to show in savings…..this is America sadly. Spend spend spend and no savings. Wake Up People!!

Why call Dave if you have all the answers? She refuses to listen to anything he says.

Is it obvious to everyone Dave has a button to mute callers? Today is a great example of its usage

Man I'm exhausted listening to this lady too!

4:44 Dave: [mutes, then looks at George] “You know how we do.” George: [nods in understanding] “Mm hm.” 😂

She’s all over the place. Crazy financial situation

Anyone that lives with, or knows someone with bipolar disorder, this is what we call the manic phase....

Imagine being married to her. Oh muh lor

Whats it like to have the kind of income to even qualify for a 2M home? Must be sweet!

The math doesn’t work. 2mil at 15 years will be 13k a month and they most likely take home 25k a month. I thought à mortgage was only supposed to be 1/4 of your take home (?)

My friend just built her own house in Texas. What is she talking about?

She sounds like she fits well in Austin.

Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.

I thought she was going to say she was in Cali. That would make sense for 2 million. But lady you see in Texas!!!

She’s going to need to use the services of those same “unlicensed contractors” to do the remodel/fixing up, so I don’t see what she is gaining at the end of the day.

What a fun conversation with a crazy person.

Figure out what you can afford first. The downpayment, the mortgage terms, and the monthly payment. Then check your bank accounts and see the amount you have and if you can comfortably afford the house. Then carefully assess how much money the remodel would take. Do you need to take a loan for the remodeling? It’s best to pay cash for the remodeling part. I suspect they don’t have this kind of liquid cash so even on paper they can afford the house with their income, it will be very scary to borrow more to fix a fixer upper as you don’t know the true repair costs.

Ain't no reason a fixer upper should cost 2 million dollars. I don't care how big it is or where it's located. That's just me tho.

She needs help. She was gonna get it too but the psychiatrist office was on the 3rd floor so she didn't go

One of the worst calls in Ramsey history

This lady is SO scatter brained my GAWD

She doesn't sound in her right mind. Ridiculous to say that there are no licensed contractors in Texas. Thousands and thousands of homes in Texas much cheaper that are great

She's around people who build and think she's a expert... like a nurse who thinks they're a doctor.

One word..... Caffeinated!

Why do I have a feeling she will ignore the advice given?

Wish I had that problem

A lot of people build their first home purchase up to be this huge obstacle that cannot be overcome, and that they need one much more expensive than they really do

Rich ppl problems, can’t relate 😂

There are 1.5 million dollar houses here in Canada, that look like crack houses, but because of the housing market, it's priced that way.

2 million dollar "flipper?" That's insane. "They don't have licensed contractors in Texas?" Also insane. It sounds like this lady has no clue. She overspends and can't to buy her own house, but she bought a house for her daughter?

Absolutely Exhausting.

I had to check out of this video, this lady is bananas

2M fixer is going to have 400K minimum remodel. Where is that money coming from?

Wow she’s all over the place geez!!!

If you are bothered by a lack of regulation, move to California.

I am exhausted half-way through. 2 million fixer upper??

That was the nervous laugh in beginning of convo

She had to get muted LOL😅😂

I’m surprised they didn’t call her husband a man child for not supporting her 2 million dollar mistake

I am completely ignorant around construction and homes and even I think I know more than this woman. And there are tens of millions of houses in Texas. SOMEONE had to have built them.

That was a crazy call. 😂

Some people be watching way too much HGTV.

If you just used your savings to remodel your house, why would you move?!

Answer no!!!!

Her $2mill fixer upper was also built by a non-licensed contractor. That caller is a pinball. I’m stressed after listening to her.

The lady is all over the map. Her and her husband needs to determined the following: 1) How much cash and savings they have on hand for the downpayment and remodeling. 2) How long can they sustain the 500k income annually? She said this isn’t a stable income level as her husband doesn’t want work sometimes. She need know the minimum that they can bring home. 3) Does she has the emergency funds in case the remodeling takes longer or have added costs? 4) She said she doesn’t want to manage the project herself, but even with contractors she need to still oversees the project to a degree. Trust me as we have remodeled our house a couple of years ago and I am just as involved with a contractor to stay on budget and progress. I have a gut feel that even the lady can afford the house, she’s not mentally stable enough to take on the remodeling of such big project. Given the housing prices of Texas, why not buy a house for $1-1.5 million dollars that’s brand new or just need minor upgrades? A lot less pain and your house would still be gorgeous and big.

Listening to this lady talk almost made my head explode!

4:41 that noise she made almost made me throw up. A little child trapped in a grown womans body.

Dude takes off for 2 years and goes back to making 500k. What a life

I need to take a nap after that 🥴

Here is my advice: Buy a $500K house and pay it off in 3 years, and the rest 1.5 millions put in investment.

What's going on? Something is wrong but idk what it is. I wish Dr John was on the call to explain what was going on here.

Legend is she’s still rambling into the phone.

With all due respect. Could be dealing with a manic episode

I live in Texas and she is full of it!

Why would you even call Dave to ask him if you should buy a house not on a 15 year fixed???

unlicensed contractor/builder will know construction better than any Architect...

It could also cost a few million to fix this dump up.

Wow she is all over the place