My House Has a Mold Problem, What Do I Do?

  Рет қаралды 39,969

The Ramsey Show Highlights

The Ramsey Show Highlights

3 жыл бұрын

My House Has a Mold Problem, What Do I Do?
Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q
Visit the Dave Ramsey store today for resources to help you take control of your money! goo.gl/gEv6Tj
Did you miss the latest Ramsey Show episode? Don’t worry-we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: kzfaq.info...
Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
Ramsey Network (Subscribe Now!)
• The Ramsey Show (Highlights):
kzfaq.info...
• The Ramsey Show (Full Episodes): kzfaq.info...
• The Dr. John Delony Show: kzfaq.info?...
• The Rachel Cruze Show: kzfaq.info...
• Anthony ONeal: kzfaq.info...
• The Ken Coleman Show: kzfaq.info...
• The Christy Wright Show: kzfaq.info...
• EntreLeadership: kzfaq.info...

Пікірлер: 209
@DisabilityExams
@DisabilityExams 3 жыл бұрын
First thing you do is get a dehumidifier. Mold needs humidity to grow. Next thing you do is find out why your house has humidity. You either have a water leak or a condensation problem. If you don't get rid of the humidity the mold will just grow back.
@aolvaar8792
@aolvaar8792 3 жыл бұрын
It's in the Attic, My neighbor had a broken vent pipe, moist warm sewer moisture Into the attic for years
@YurLord
@YurLord 3 жыл бұрын
I've had mold in my apartment. I cleaned what I was able. Then I got a dehumidifier and air purifier. A couple hundred bucks. My apartment is doing good ever since.
@RyanABC123
@RyanABC123 2 жыл бұрын
I don’t think you understand mold issues.
@CleanHomes1
@CleanHomes1 Жыл бұрын
Wrong. A dehumidifier can actually spread mold spores.
@audreyborgheiinck5178
@audreyborgheiinck5178 5 ай бұрын
My dehumidifier contributed to the issues with mold. It picks up the spores and circulates them.
@coco420pupp7
@coco420pupp7 3 жыл бұрын
Most honest companies will go back and correct it. Mold works by spores per cubic meter. If they did a Air Quality test (within 1000 Cubic feet of open space) they should of picked up that there is more mold spores coming from a different place. Even if it’s hidden behind a wall. I think you should call the mold company and ask them for the mold test results. And if they don’t have it then you have been scammed and call the insurance directly and advise them that u signed they’re papers to bill the insurance, but they did not repair the job correctly according to protocol. (I am a licensed Mold Assessor and Remediator)
@BeProductiveCreations
@BeProductiveCreations 3 жыл бұрын
Yes!!! Do this!
@NickCager
@NickCager 10 ай бұрын
"Mold works by spores per cubic meter"? That doesn't make any sense. The toxicity in the air doesn't usually come from the spores, it comes from the emitted gas from the mold that's toxic. You want to avoid spreading the spores to avoid further contamination. So, when they remove the affected areas they close off the area and use commercial filtration systems. I think you simply stayed in a Holiday Inn last night?
@KT-ed8hj
@KT-ed8hj 6 ай бұрын
I call bs, we are in the exact same situation the company is incompetent and insurance cant make that insurance so anything other than allow us to find another company to finish the job
@KT-ed8hj
@KT-ed8hj 3 ай бұрын
Air testing is not accurate
@barbarajust4251
@barbarajust4251 3 жыл бұрын
Dave doesn't understand the first thing about mold toxicity. It makes it near impossible to work due to the health consequences. She is likely doing the BEST she can. It's NOT that simple Dave!
@cgg2961
@cgg2961 Жыл бұрын
Exactly....
@rebeccaorlando9815
@rebeccaorlando9815 8 ай бұрын
Exactly. It’s very obvious he’s never dealt with anything like this... came across as a bit judgmental and definitely insensitive.
@Swansue
@Swansue 4 ай бұрын
Correct! You get mild brain and mold hold. But you do have to find a place to sleep Well or find out how you can sleep (tape off the area), so you can think about how to not do it again.
@MajICReiki
@MajICReiki Ай бұрын
Most ignorant youtube video I have seen so far on mold toxicity and contamination. Dave is doing more harm than good. Just go make 1/3 of your income in a month 😂 He is putting people's health in jeopardy. He admits he doesn't know but is offering crap advice.
@MinnieMoo48
@MinnieMoo48 3 жыл бұрын
If she doesn't disclose the mold issue, future home buyers could sue her...
@EliteStricker
@EliteStricker 3 жыл бұрын
She either has to fix it or disclose it
@NWforager
@NWforager 3 жыл бұрын
she should try an ozone generator . and venting /dehumidifying the attic afterwards . Ozone kills mold and dryness keeps it from coming back .
@troycarpenter3675
@troycarpenter3675 3 жыл бұрын
Ok, but, breathing ozone short term is like a sunburn on the inside of your lungs. Long term causes permanent lung damage.
@NWforager
@NWforager 3 жыл бұрын
@@troycarpenter3675 i should say "Proper use of an Ozone generator" they will all have in the instructions that you can't be in the area while running and to ventilate the area for an hour afterwards
@karendalsadik7119
@karendalsadik7119 2 жыл бұрын
Interesting .
@barbarajust4251
@barbarajust4251 3 жыл бұрын
No. Not everyone has mold toxicity. It's a major health problem that causes debilitating symptoms.
@Sunpea
@Sunpea 3 жыл бұрын
Some are more prone to mold toxicity. Their bodies are not able to get rid of the toxins properly so it builds up in their bodies and wreaks havoc on their health. I’ve been battling this since I lived in a moldy house in 2014. We lived there for two years and I’m just now finally able to treat my self correctly after seeing a dr and getting a diagnosis.
@kazzTrismus
@kazzTrismus 3 жыл бұрын
$10k is a ridiculous quote...you haveto have a fairly major infestation deep into the surfaces for that. in an attic theyd mostly only spray chemicals and add/fix ventilation to the soffits and roof itself. thats not $10k...sounds like the contractor ripped off the insurance to max for minor repair the first time
@mph5896
@mph5896 3 жыл бұрын
You have absolutely no clue what the job is to make that claim
@kazzTrismus
@kazzTrismus 3 жыл бұрын
@@mph5896 a whole new roof for a major section on a house that size would be $10,000...(she gave the house price and area, so educated guess). I've worked construction for almost 20 years, high end and reno and speciality projects. preying on people's ignorance is common in the industrry...especially mold, "green", asbestos etc specialised companies.... i'll be kind and say thats the work needed.. rather than the most likely "work" of spraying a few hundred in chemicals all over everything after removing the insulation and adding a roof vent, bathroom fan and a few soffit vents
@NickCager
@NickCager 10 ай бұрын
Mold remediation companies treat the areas you ask them to treat. You can't blame them for not fixing the bathroom when you asked them to fix the kitchen. And Dave's knowledge of mold is staggeringly ignorant. "We all have mold toxicity"??? I've had it and had my home remediated... I was so sick I thought I was dying.
@jessicaqu
@jessicaqu 3 жыл бұрын
Rachel is absolutely right - Amy lacks the fighter spirit. First thing I’d do is to call the mold company and demand an answer to why they missed the second spot. If she can’t reach an agreement with them, she needs to try everything possible to get rid of the mold herself. The loan option is off the table. Most importantly, she needs to gain more confidence, get upskilled, and get a better career.
@kateglastic9826
@kateglastic9826 Жыл бұрын
Amy is likely very sick and fatigued..mould illness can cause allsorts of cognitive issues..brainfog..very hard to fight a insurance company when you feel like that.
@captain_orange
@captain_orange Жыл бұрын
@@kateglastic9826 you sound like an apologist with an enabling personality. Just my take.
@aliealieee
@aliealieee 3 жыл бұрын
i appreciate dave's logic.... but he's very out of touch with reality sometimes. whose going to buy a mold infested house?
@kadenen
@kadenen 3 жыл бұрын
It can be sold as is. Not for $130k but someone would buy it cheap, fix it, flip it.
@Julian-zc9vm
@Julian-zc9vm 3 жыл бұрын
it's rarely a good idea to buy a house when you only make $35k and are dependent on having roommates to be able to get by. All the brainwashing that buying a home is an "investment" and renting is "throwing money away" needs to stop. Owning a home is definitely a financial advantage in the long-term, but it comes with a few prerequisites.
@OrganicGreens
@OrganicGreens 3 жыл бұрын
I make less than the caller and manage a 135 thousand dollar home just fine. I also fix my own house and cars tho. It comes out to a little less than an apartment every month. I treated my own mold problems for the price of some chemical and renting a mold fogger.
@dr.bradshaw
@dr.bradshaw 3 жыл бұрын
Watch the forensic files episode “breaking the mold”. Mold is NOT a joke
@first9299
@first9299 3 жыл бұрын
My grandmother had mold in her house for decades. She's 95 now in a nursing home but it never had negative effects on her health. Its more of an allergy thing some people are unaffected by it.
@rebeccaorlando9815
@rebeccaorlando9815 8 ай бұрын
Some people have a specific gene that makes them get extremely sick around mold. Others don’t have it. Ofc it’s not great for anyone’s health but some will get MUCH sicker and that’s why
@Only2GendersCommonSense
@Only2GendersCommonSense 3 жыл бұрын
Dave: "How are you?" Caller: "I'm good, how are you?" Dave: "I'm good." Someone check Dave's temperature and see if he's OK 🤒🤒🤒
@Natashahoneypot
@Natashahoneypot 3 жыл бұрын
The full answer would be, "I am better than I deserve and Rachel deserves even better because she deserves it." short answer is, "good"
@Tom-ih8gr
@Tom-ih8gr 3 жыл бұрын
Must be the stress of the articles that have come out showing how he runs his business akin to the Westboro Baptist Church
@costco_pizza
@costco_pizza 3 жыл бұрын
@@Tom-ih8gr looks like they are in some hot water after those stories came out. Things are not looking good. :(
@katherinesearing7525
@katherinesearing7525 3 жыл бұрын
Dave. Black Mold destroys everything, Amy is lucky to have any possessions at all and on top of that they that live in the house could die. Black Mold is on the federal toxic spore list they won't be able to sell the house.
@Recovering_Californian
@Recovering_Californian 3 жыл бұрын
I feel there are some missing details here. There may be mold because of her lifestyle or personal habits ... there could be mold because of poor construction. No way to know these things in a phone call.
@893263007
@893263007 3 жыл бұрын
What does it mean to be a recovering Californian?
@Recovering_Californian
@Recovering_Californian 3 жыл бұрын
@@893263007 I left CA over 10 years ago. I now enjoy friendly people, lower cost of living, fresh air, better roads, and more freedom to do as I please. I'm recovering from living in CA for so long. :)
@prairielivin704
@prairielivin704 3 жыл бұрын
@@Recovering_Californian I love this 😂🥂
@kayleen9110
@kayleen9110 3 жыл бұрын
Go back to the company that did the mold removal..they missed some..they need to fix it. Take it to small claims if you have to.
@thesmokingmedic6763
@thesmokingmedic6763 3 жыл бұрын
She needs to find a company. That can address the cause of the mold. Plus remove the mold.
@blackworldtraveler3711
@blackworldtraveler3711 3 жыл бұрын
My neighbor had mold. There were men in special suits working with plastic sheets channeled through the home that reminded me of that scene from the movie ET. Cost her over $40k more out of pocket after insurance and this was over 25 years ago.
@proborderlandsgamer
@proborderlandsgamer 3 жыл бұрын
As a contractor this seems very off. That much in mold damage is super serious, and typically mold is from lifestyle, long showers, and not using vent fans in bathrooms. Depending on the severity you can typically cover it with KILZ, and then you repaint in texture, if its worse than that then you can remove and replace.
@proborderlandsgamer
@proborderlandsgamer 3 жыл бұрын
Thinking about it some more. If it is in the attic, then it could also be a roof leak. So the next time it rains you could have someone look in the attic, and get someone on the roof. Buy a gallon of tar from a local home depot or any other store. And just spread it over the leak. Not a long term fix, but temporary, until all 3 can pool money together to fix the roof.
@mph5896
@mph5896 3 жыл бұрын
As a contractor, you should not be commenting on a job you haven't seen. In fact, its not even described well in the video, just a $ figure.
@proborderlandsgamer
@proborderlandsgamer 3 жыл бұрын
@@mph5896 I understand what you're saying. I have to deal with emergency calls all of the time over the phone, and when I get to a job it is often heavily misrepresented. But given the number figure, the only idea I can come up with that makes sense is a roof leak over a long period, because mold does not happen overnight. If you use a $10,000 figure on a home valued around $160,000 it would have to be very severe. Obviously I could be way off. But with how it was described I just feel like there is more to the story, or she is getting poor estimates. As previously stated, most mold problems can be resolved using stuff from your local hardware store, then the cost to repaint that section. But if it's in the attic, I assume the area isn't very large, and the estimate seems rather high. Mold happens from condensation and sitting water to grow. So the only conclusion I can come up with would be a roof leak, gutters installed improperly, or not sealed. But regardless I can't wrap my head around the estimate.
@yamamancha
@yamamancha 3 жыл бұрын
Mold is no joke. Sell the house. Even if it means taking a loss for now. It's a money pit for someone with your income. Downsize into a single room apartment if you have to. You need to get out of that house!
@teekaybe4016
@teekaybe4016 3 жыл бұрын
who would buy a moldy house? She will take a huge loss on the house because she will HAVE to disclose the mold. At that point the Buyer has all the leverage and ask for a big discount.
@yamamancha
@yamamancha 3 жыл бұрын
@@teekaybe4016 No doubt. However, what are her options? Stay in a moldy house? Continue putting out $10k/yr for mold repairs. She's in a money pit with a teaspoon instead of a shovel. Clearly she made an uninformed, ill-advised decision but digging in isn't going to stop the bleeding. The mold problem might result in a 5%-20% loss but she can recover quickly if she isn't regularly being put in debt to fix the house.
@Chironex_Fleckeri
@Chironex_Fleckeri 3 жыл бұрын
@@yamamancha Well it's going to be a hard thing to sell a moldy house. Lenders usually don't want to touch that, so the buyer may be paying cash. I suppose it's not that crazy for someone to have the amount of money she's looking at. 110k transfer is doable for some well established people
@nantay254
@nantay254 3 жыл бұрын
Run a dehumidifier. Make sure exhaust fans from bathroom are vented OUTSIDE, and not just into the attic. Hire a building inspector to go through your house and find out why conditions are good for mold growth in your home.
@Eyore82
@Eyore82 3 жыл бұрын
Sounds like you have a good case for a lawsuit.
@arga400
@arga400 3 жыл бұрын
She needs to sell this house, she is not in a financial position to own a home. This is why renting is wise until you're in a financially healthy position.
@crazeekids9744
@crazeekids9744 3 жыл бұрын
Good luck selling a house with a mold issue though.
@arga400
@arga400 3 жыл бұрын
@@crazeekids9744 She needs to sell it at a loss, is the same as with a car you can't afford.
@oneisnone7350
@oneisnone7350 3 жыл бұрын
Caller: My house has mold. Dave: Sell the car.
@gh1Mikie
@gh1Mikie 3 жыл бұрын
🤣🤣🤣
@Natashahoneypot
@Natashahoneypot 3 жыл бұрын
He said, "sell the house"
@oneisnone7350
@oneisnone7350 3 жыл бұрын
@@Natashahoneypot yeah I was joking.
@raallen1468
@raallen1468 3 жыл бұрын
@@oneisnone7350 Eat beans & rice.
@Psylent
@Psylent 3 жыл бұрын
@@raallen1468 Then rice & beans. Work 3 jobs. You won't see the inside of a restaurant unless you're working there
@Kelpi
@Kelpi 3 жыл бұрын
Maybe Amy ventilate the house better. Or there is a leak in the roof. Or the sealing to the ground is not sufficient. Unfortunately, the caller doesn't give enough information.
@nelliedean7088
@nelliedean7088 3 жыл бұрын
I so agree with this, I visit people at home as part of my job and I am shocked how little people ventilate their house even when they think they are. Mould cannot survive in dry environments. Mould washes off easily paint and treaters help.bathrooms are obviously the worst. They can all be dealt with by decent ventilation.
@seosam652
@seosam652 3 жыл бұрын
@@nelliedean7088 how would you expect people to ventilate their house? Like, do you mean to just get a dehumidifier or do you mean opening windows to ventilate it?
@kateg9437
@kateg9437 3 жыл бұрын
@@seosam652 Bathroom window needs to be open when you shower, and ideally for an hour after. If you have an extractor fan, use that too. Extractor ran over the over whenever cooking, if you dont have one open a window (and if you own the house, look into one). If you have clothes air drying in a room, the window needs to be open or you need a dehumidifier.
@Kelpi
@Kelpi 3 жыл бұрын
@@seosam652 its comman sense to open your windows in the morning for atleast 5min wide open. Open windows after shower. Dont dry your closes inside or open window. And soooooo many dont even do this basics to avoid moisture
@austinhensey5330
@austinhensey5330 3 жыл бұрын
Hey mam what you need is a hepa air filter or a air scrubber
@jeffdorris5321
@jeffdorris5321 3 жыл бұрын
Nice work ✨🎆🌠
@angelaonthego
@angelaonthego 3 жыл бұрын
Doctors who specialize in healing people from mold toxicity say that once a person is SICK from the mold-they can’t live in the house and get better-even if ALL the mold is remediated. It somehow imprints a fight or flight that’s not under conscious control-she should move.
@SC-gp7kt
@SC-gp7kt 3 жыл бұрын
That makes zero sense.
@2-old-Forthischet
@2-old-Forthischet 3 жыл бұрын
Every mold problem I've ever ran into, including my own place, something is causing it, so that's the first thing you need to do is to find to cause. It could be something as simple as a slow leak. Home ownership is always a risk. Selling or moving doesn't guarantee you find the "perfect" home.
@elizabethgacuca6022
@elizabethgacuca6022 6 ай бұрын
So true.
@Princeton_James
@Princeton_James Жыл бұрын
I'm certain a townhome I just moved in to (renting) has mold. My clothes now smell disgusting like mildew. I'm now leaving them in a detached garage. I'm embarrassed to be around people because of the smell. Where do I start? What should I request from the owner? I already have dehumidifiers, air purifiers and I see warped paint.
@danoconnor3720
@danoconnor3720 3 жыл бұрын
In most places, you can't sell a house that has a mold problem that hasn't been resolved.
@edb484
@edb484 3 жыл бұрын
She’s got to either call the mold company and ask why they didn’t fix or DIY. I’d be up in the attic and looking bathrooms etc. lots of places on KZfaq to help to get info on mold. Could also be a bad roof
@tomdrummy4984
@tomdrummy4984 3 жыл бұрын
Have attic ventilation checked, maybe add more ventilation.......then sell house. I would not buy a house with mold.........had house under contract years ago and backed out when inspection found mold in attic. I would think it would be hard to sell unless you show mold problem was corrected
@Sizukun1
@Sizukun1 3 жыл бұрын
If a house has a known mold problem, I'm not sure you could even get a mortgage for that. Wouldn't the bank immediately redflag it and stop the mortgage process?
@tomdrummy4984
@tomdrummy4984 3 жыл бұрын
I don’t know. I was paying cash
@ianrobinson4200
@ianrobinson4200 3 жыл бұрын
Depends, my grandmother sold her house OK when she went into a resthome and it had a ton of mold, 1920s home with little work done on it for decades. Was bought by a builder who gutted the whole thing as a side project...
@clericstorm2009
@clericstorm2009 3 жыл бұрын
Move. Now. Once mold takes root, its extremely unlikely to completely eliminate. It will keep coming back.
@katwilliams2950
@katwilliams2950 3 жыл бұрын
Id fight the insurance company.
@DavidGeorgiaPersonalFinance
@DavidGeorgiaPersonalFinance 3 жыл бұрын
If she has debt, she needs to move and let her roommates know she's leaving. The issue may be this: If her name is on the mortgage with the roommates, moving out could be a lot harder. This is why you rent until you are ready to own a home.
@thankswillie
@thankswillie 3 жыл бұрын
sounds like a mold ripoff
@alexandriapeters2519
@alexandriapeters2519 3 жыл бұрын
I'm not sure who you're are quoting in the average household income being $59,000. More than 40% of earners make under $15 per hour. She's actually above average. The other statement was more accurate, draw a line in the sand and you will get more creative, is absolutely spot on. Most older homes, will either have mold or asbestos, or both. Taking a loan out will not help. Selling the house, now that their is documented mold, is not an option. My advice is to start with an air purifier in each room, and a dehumidifier in each room. Tackle the mold with a water/bleach mix and PPE. contact your homeowners insurance company, and let them go after the mold contractor. Then, start to look for a new place, if it's an option.
@krassimirpetrov7131
@krassimirpetrov7131 3 жыл бұрын
Mold is one of the worst things and hardest things to remove and it’s extremely expensive to remediate..and most insurance companies know this and put a max on coverage. BAD
@ademd7099
@ademd7099 3 жыл бұрын
I would take a home equity loan out if she doesn't get anywhere with the company that missed the mold. Health is over everything, even debt.
@gatewaysolo104
@gatewaysolo104 3 жыл бұрын
She has virtually no equity to borrow against
@rug3903
@rug3903 3 жыл бұрын
He covers all topics 😳😂
@lcastill2013
@lcastill2013 3 жыл бұрын
Go bankrupt and let them have the house if you have no other options. Ideally you would sell the house but if you can walk away and get a fresh start.
@CleanHomes1
@CleanHomes1 Жыл бұрын
You either get it fixed correctly or you move.
@CaseyBurnsInvesting
@CaseyBurnsInvesting 3 жыл бұрын
It’s not ideal but another option is to get secondary financing on the house. That’d ensure you don’t restart your principle payoff and allow you to keep the house. Gotta get that income up and health better though.
@clarifyingquestions
@clarifyingquestions 3 жыл бұрын
No, you do not take out a loan. You use your fully funded 3-6 month emergency fund and take care of the mold issue now.
@rornowskibreaks5187
@rornowskibreaks5187 3 жыл бұрын
Dave i owed a 6.5k debt to a collector for about 7 yrs now. I had made a settlement offer for 3k they countered 3.8k but I didn't have the money at the time. Now I have a job and saved up 4.5k well I woke up this morning and they took all my money and now my bank is -2.8k from the debt 7yrs ago. Can they do this? Is it legal? Should I take them to court? Thanks appreciate any hrlp!
@gatewaysolo104
@gatewaysolo104 3 жыл бұрын
That's why dave says never give them access to your bank account. You should write checks only.
@rornowskibreaks5187
@rornowskibreaks5187 3 жыл бұрын
@@gatewaysolo104 ya didn't give them access at all but I did have a court order. I should have taken out all my cash.. just wondering if I can fight it now
@AlanJWatkins
@AlanJWatkins 3 жыл бұрын
Mold toxicity sounds better than drinking the water in Flint Michigan...
@saltandfaith
@saltandfaith 2 ай бұрын
Lol tell that to someone who can’t barely breathe because of mold exposure.
@vashtibascombe701
@vashtibascombe701 3 жыл бұрын
I agree with Rachel and would challenge the mold remediation company first. Maybe she could move in with a relative for a few, take on a second job to pay for the repairs then sell. Another idea ......Since she doesn’t have much equity in the home anyway, maybe an investor would buy it as is and she could get the mortgage paid off, move into a rental with her roommates and work on career path. Start fresh once the income is better.
@TheMyrrhMaid
@TheMyrrhMaid 3 жыл бұрын
She needs to look into Dr Shoemaker’s research on mold sickness and remediation.
@teeduck
@teeduck 3 жыл бұрын
Shoemaker is wrong on a lot of his medical advice.
@TheMyrrhMaid
@TheMyrrhMaid 3 жыл бұрын
@@teeduck my medical doctor is the one who told me about him. His research saved my life.
@gatewaysolo104
@gatewaysolo104 3 жыл бұрын
Owning a home making 36k a year does not make sense unless you can fix everything yourself
@chrisreynolds6391
@chrisreynolds6391 3 жыл бұрын
She has roommates. She must be getting a few extra dollars.
@realdavidpayne
@realdavidpayne 3 жыл бұрын
“I’m maxed our on mold coverage” I hate insurance
@imanmoradi7436
@imanmoradi7436 3 жыл бұрын
Up next my toilet is clogged what do i do dave
@carinagomes773
@carinagomes773 3 жыл бұрын
🤣🤣🤣🤣🤣
@bad2infinity
@bad2infinity 3 жыл бұрын
She can't sell. On top of all issues she lives in Flint. Thats s tragic situation
@kazzTrismus
@kazzTrismus 3 жыл бұрын
we're too rich to bother knowing the basics of life and weve become arrogant about our ignorance. previous generations would have fixed it themselves because they had more knowledge than just their job title encompassed. now suddenly money gets tight and dirty hands dont seem like such a bad thing anymore eh?
@americafirst9144
@americafirst9144 3 жыл бұрын
Sounds like the roof might be leaking.
@Kensfitt
@Kensfitt Жыл бұрын
Funny. Me from Michigan watching this. Weird trend 😂
@Fancy_Obession
@Fancy_Obession 3 жыл бұрын
Sell and get out😂
@petecheng1
@petecheng1 3 жыл бұрын
dehumidifier....get a couple of them.
@Krisbcream1
@Krisbcream1 3 жыл бұрын
Dave didn't say "better than I deserve", I don't trust him
@chrisreynolds6391
@chrisreynolds6391 3 жыл бұрын
Flint Michigan uh oh!
@snoopylayla9652
@snoopylayla9652 3 жыл бұрын
My dad called his attorney to sue the landlord because the landlord say there's no mold in their house.🤭
@DavidGeorgiaPersonalFinance
@DavidGeorgiaPersonalFinance 3 жыл бұрын
I wonder if she received more quotes. If just one person says $10K, another may say something cheaper.
@livingunashamed4869
@livingunashamed4869 3 жыл бұрын
So the 10k would be split 3 ways right? No way I'm paying 10k, the mold people should of done a full inspection in the first place. I'm paying a 3rd of the 10k with the roommates or I'm selling the house. 10k is a ton of money especially with no guarantee the mold is gone for good.
@Chironex_Fleckeri
@Chironex_Fleckeri 3 жыл бұрын
Renters are not responsible for making repairs or remedies on problems with the property. They don't own it. She owns the house, so it's her responsibility to fix it. I wonder what those two are paying her and what sort of lease contract they signed. Dave and Rachel didn't really bring that up but it is important
@livingunashamed4869
@livingunashamed4869 3 жыл бұрын
@@Chironex_Fleckeri Renters? Seems like her and her roommates got the house together. At least thats how I took it.
@kateg9437
@kateg9437 3 жыл бұрын
My guess is that the roommates are renting, and she is the one who owns the house. Renters are not responsible for house upkeep. If however they are in the mortgage, then the cost would be split, but it doesnt seem like that is the case
@Chironex_Fleckeri
@Chironex_Fleckeri 3 жыл бұрын
@@livingunashamed4869 That's what I immediately interpreted it as. She owes about $110k she says.
@TeKnoVKNG23
@TeKnoVKNG23 3 жыл бұрын
Good luck selling a house with mold in an area that isn't exactly a hot spot for real estate. Agree with Dave though, she needs to get out of the house, she can't afford it on that income level. One house emergency and she's bankrupt. She'd be best off selling it if she can(doubt she will get full price so she's probably going to still owe money on the loan) and renting and trying to get a better job.
@DEM78976
@DEM78976 3 жыл бұрын
Average household income also accounts for more than one earner...
@ClarkS963
@ClarkS963 3 жыл бұрын
You start to see other options....but I'm not going to think of any other options for you....
@ripvanwinkle4532
@ripvanwinkle4532 3 жыл бұрын
It would been funny if Amy said “ she was better than she deserves”.
@MrOfficer235
@MrOfficer235 3 жыл бұрын
She has a water leak somewhere in the attic. Fixing that plus the mold is going to be more than $10k. Dave is right, her making $36k a year she can’t afford the payment to fix all of this. I would sell and disclose the issues. And in the meantime get a part time job and save up cash in case it doesn’t sell and do the repair yourself.
@JorgeRamirezFinance
@JorgeRamirezFinance 3 жыл бұрын
This is another reason to not be married to real estate.I would sell it immediately with a contingency to fix it with the proceeds of the sale.
@queen.kristal8395
@queen.kristal8395 3 жыл бұрын
For the mold problem I feel like she has structure damage like leaks that’s causing water to come through and mold to happen.I think she should just sell it and move somewhere else.also she isn’t making enough to own a home nor buy a decent one on her own.
@nelliedean7088
@nelliedean7088 3 жыл бұрын
My Mom had water seeping from damaged pipes under her ground floor apartment for years. She tried everything Eventually she had a survey done and the pipes under the apartment were repaired, the service charge she paid acted like insurance and finally it resolved. I do think though those cases are rare and it is usually just that people are too scared to wipe off the mold and are reluctant to ventilate. I live in England and have a concrete ground floor I have rising damp from rain seeping into the ground on winter creating more damp in the earth than can evaporate.Some people don’t even believe in rising damp and eventually I had a damp course injection to the brick. Combined with ventilation it works and was a few hundred pounds to put right. I am guessing you are from the US as in England there is so much of it due largely to climate we need a different approach than to move.
@Chironex_Fleckeri
@Chironex_Fleckeri 3 жыл бұрын
Yes. Could be a poorly insulated attic, poor ventilation, a slow roof leak 🤔. The true remedy may be much more expensive than the mold remediation.
@flisfinance5680
@flisfinance5680 3 жыл бұрын
She has to get if fixed. Definitely not ideal but she can’t live with that
@ripvanwinkle4532
@ripvanwinkle4532 3 жыл бұрын
She should deliver pizza and eat rice and beans.
@troycarpenter3675
@troycarpenter3675 3 жыл бұрын
Uh, you'll have to fix the problem before you can sell it... they almost sound childish or silly in their commentary. Nothing is more important than a person's health.
@ryugurena3327
@ryugurena3327 3 жыл бұрын
Sell it and don't tell anyone
@hlhl2691
@hlhl2691 3 жыл бұрын
Wouldn't she have to disclose the mold issue? House would be hard, if so.
@chrisreynolds6391
@chrisreynolds6391 3 жыл бұрын
Who knows. It’s Flint Michigan.
@TAPPChannel
@TAPPChannel 3 жыл бұрын
Sell the house?? Then the buyer will call you next year Dave about the same issue and whats you gonna say? Again sell the house? :D
@kateg9437
@kateg9437 3 жыл бұрын
Should come up in the home buyers survey, and then only people willing to pay to fox it will buy the house. It's her low income that makes it a struggle
@rachelgooden9981
@rachelgooden9981 3 жыл бұрын
The roommates should contribute
@thangxixon
@thangxixon 3 жыл бұрын
they are her tenants to be exact. Why would they?
@emilybaking5836
@emilybaking5836 3 жыл бұрын
Just give her 10k Dave!! It’s such a small portion of your wealth.
@dylanbenson6849
@dylanbenson6849 Жыл бұрын
Then everyone goes to Dave for money.
@DCLover72
@DCLover72 3 жыл бұрын
Get rid of this house post haste
@JadeTrading
@JadeTrading 3 жыл бұрын
I'm so sorry to hear. Hope she gets better.
@RobbiePfunder
@RobbiePfunder Жыл бұрын
burn the house to the ground, collect insurance and move on
@Savannah-ed4rv
@Savannah-ed4rv 3 жыл бұрын
Buy a $300 air filter until you save the money to fix it.
@kateg9437
@kateg9437 3 жыл бұрын
You could even get a 2litre dehumidifier on Amazon for $60-$80. Sure, you'd have to empty it several times a day, but that's no big deal. Bleach on the mold to kill it back and a dehumidifier removing the moisture will buy her significant time to save up.
@adamh4h4
@adamh4h4 Жыл бұрын
I got a dehu + air purifier...best investment of my life. Before this, i had trouble sleeping and the room was really musty. The moment i cleaned my room and cleared the mold by myself, everything got better. Physically and mentally. I never realized mold was that dangerous. It truly was killing me silently.
@lightningguy4897
@lightningguy4897 3 жыл бұрын
Amy get a razor blade cut all the mold out you can. The stuff you can't spray everything with bleach go to home Depot get a nice dehumidifier. Then hire repair men to slowly repair what you had to cut out. Keeping relative humidity under 50% and mold cannot grow. Also invest in a couple of one room air purifiers with UV-C lights built in put those in your bedroom and whatever other room you spend the most time in. Hope you see this Amy. Good luck stay healthy. Two good air purifiers and a big dehumidifier will run you about $400-600 and will hold you over. Check for broken exhaust vents while you're up there.
@jsanjay5513
@jsanjay5513 3 жыл бұрын
Sounds like a can of worms! Sell the house and move on to better after working on getting the income up!
@whendoigettosayfuck
@whendoigettosayfuck 2 жыл бұрын
bleach kills mold, doug
@jessstuart7495
@jessstuart7495 2 жыл бұрын
Sell it to a house flipper, and get the fck outta there ASAP.
@brianpitsilides5337
@brianpitsilides5337 3 жыл бұрын
People have too many sorry excuses for wanting to stay poor.
@juniorgod321
@juniorgod321 3 жыл бұрын
Put the dog on Ebay and the cat on Craigslist!
@LetsTalkPersonalFinance
@LetsTalkPersonalFinance 3 жыл бұрын
Yeah, I think selling the house might be the best option for her right now
@kellyy9349
@kellyy9349 3 жыл бұрын
Sell the house!
@neilaleksandrov2655
@neilaleksandrov2655 Жыл бұрын
Insurance doesn't even cover this... lol thank you Capitalism... Conclusion: sell the house and be homeless LOL I love this show...
@veric2222
@veric2222 Жыл бұрын
cero help
@asymptomatic84
@asymptomatic84 3 жыл бұрын
This chick called 5 months ago about potentially losing her job
@lozifor
@lozifor 3 жыл бұрын
Dave Ramsay is not better than he deserves anymore?
@austinhensey5330
@austinhensey5330 3 жыл бұрын
Don’t get a dehu, dehus are removal for moisture damage. If there is mold she needs a HEPA 500
@angelaonthego
@angelaonthego 3 жыл бұрын
For the health of your body AND your finances-GET OUT.
@pat-orl
@pat-orl 3 жыл бұрын
Dave's daughter...
@untouchable360x
@untouchable360x 3 жыл бұрын
The problem is her. No business owning a home making $36k year.
@usernameluis305
@usernameluis305 3 жыл бұрын
Houses up there, the mortgage+pmi+property tax will be about 1k per month. You can definitely pay a house like that off while making 36k per year. And people need somewhere to live
@untouchable360x
@untouchable360x 3 жыл бұрын
@@usernameluis305 That is why you rent. First, invest in your career and stack piles of cash. Don’t put the cart before the horse.
@aolvaar8792
@aolvaar8792 3 жыл бұрын
@@untouchable360x In 2010, I was making $39K, wife and 3 kids. I scraped $3K to buy a $40K home. The home in 2020 is ~$325K there were 30+ homes in my subdivision, foreclosures All gone in 3 months.
@untouchable360x
@untouchable360x 3 жыл бұрын
@@aolvaar8792 You got lucky. A broken clock is right twice a day. Your situation does not apply to everyone in general. Why have such big responsibilities with so little resources?
@BeProductiveCreations
@BeProductiveCreations 3 жыл бұрын
Not necessarily.... We bought a home while making 20k a year. We put a large down payment on it and 7 years later had most of it paid off and sold it for twice what we paid for it (we bought cheap and did some remodeling over the years). We were then making 35k and bought our current house (for 170k) and put almost half down and will have it paid off in 10 years or less. Also, we have 5 kids, soon to be 6. You have to do your budget, follow the steps and be gazelle intense, but yes you can absolutely afford to buy a house on 35k, if you know how to manage your money.
@jerrettwitherow7150
@jerrettwitherow7150 3 жыл бұрын
Ask Dave if he wants to take $10.000 out out of one of his i r a growth mutual fund and help. I’m sure he will🤓
$500,000 To Fix A Mold Problem?
7:08
The Ramsey Show Highlights
Рет қаралды 51 М.
Dave Ramsey’s Definition of “Broke”
9:25
The Ramsey Show Highlights
Рет қаралды 65 М.
DAD LEFT HIS OLD SOCKS ON THE COUCH…😱😂
00:24
JULI_PROETO
Рет қаралды 15 МЛН
Alex hid in the closet #shorts
00:14
Mihdens
Рет қаралды 10 МЛН
Looks realistic #tiktok
00:22
Анастасия Тарасова
Рет қаралды 105 МЛН
My Cosigner Has Stopped Paying and It's Wrecking My Credit!
5:47
The Ramsey Show Highlights
Рет қаралды 89 М.
I Owe More on My Car Than It's Worth, What Do I Do?
5:59
The Ramsey Show Highlights
Рет қаралды 51 М.
Mold In Our New Home DESTROYED My Health
7:04
Healthy Homes
Рет қаралды 16 М.
Why The “Tax Benefit” Isn’t Worth Keeping A Mortgage
9:14
Ramsey Everyday Millionaires
Рет қаралды 81 М.
You've Avoided This Question Twice!!
9:05
The Ramsey Show Highlights
Рет қаралды 645 М.
“You’re Not Doing Our Plan”
7:51
The Ramsey Show Highlights
Рет қаралды 28 М.
How Do I Pay For Home Repairs While I'm Paying Off Debt?
7:48
The Ramsey Show Highlights
Рет қаралды 52 М.
Is Mould In Our Homes Killing Us? | Talking Point | Full Episode
22:52
DAD LEFT HIS OLD SOCKS ON THE COUCH…😱😂
00:24
JULI_PROETO
Рет қаралды 15 МЛН