Applauding Dave for this; I've met many parents using the special need child as a free pass.

HUGE round of applause for Dave calling her out. She definitely needed that

The old mean Dave came back….I miss this version of the show. I needed the mean Dave when I was going through my debt free journey

As someone's special needs daughter I am so glad to hear Dave call er out for blaming their daughter for their bad money choices, their kid was not invited to take part in the decision making process and is not responsible for her parents irresponsibility.

Special needs daughter sounded like a sympathy card the amount of times she said it

Its ok to make mistakes but if your worried about your special needs daughter and money why did you buy solar panels for 20+k???

They are living way over their heads. The special needs daughter has nothing to do with choosing bad financial decisions.

Their main house is insane too. $600k mortgage on $130k income is terrifying

They are gonna to be surprised when they find out the house isn’t worth what Zillow says lol

As a special needs parent myself, Dave is absolutely right. I've seen so many parents use their special needs child as a crutch to justify making bad decisions but then are the first ones to complain about their situation...

How is it that this house has been in the family so long and it's not paid off by now???

Dave is right about the mom using the special needs daughter as the basis of her decisions. Great job showing her the error of her ways.

They put a pool in to make the house “liveable” 🙄

My daughter has special needs when we brought our house we took in consideration of her needs but it’s our responsibility too take care of her.

The ugliest house for $975K?? 😅

Yes he was tough on her but Dave hears every day people with special needs kids acting like math doesn't apply to them.

Dave smacked her right down! Love him

Income way too low for those homes.

Fixer uppers are for contractors to flip, not to move in and hire the help. Imagine if they just bought a turn key for $40K more, instead of spending $80K on fixes?.

20 grand in debt for solar power... come on

You're not the only one with difficulties ma'am. Being in difficult situations is all the more reason the be financially responsible.

One of the best videos on here. It is so important to not make excuses for bad behavior. This lady basically put the entire bad house purchase on their daughter. Dave let it rip and it needed to be said.

As someone who has family members and has cared for people with special needs (ASD, Down syndrome, Dementia, wheelchairs, bathing assistance, etc) Yes, sometimes a person needs to be in a school catchment area to receive an adaptive education and also a house occasionally needs adjustments to make the property accessible. Depending on the needs of the family member, the price of those renos can vary drastically. This is a very tough situation for a parent/caregiver to be in and I sympathize for this family.

Talking softly and sweetly to Dave doesn't work....not today, silly girl. 😂😂

In what way did this caller blame her special needs daughter for any choices they made? The only thing they could have arguably done "better" was finance the repairs and renovations of an older house they bought to make their home on their primary mortgage rather than a second mortgage, and while the move to a new neighborhood was based on their daughter's needs they weren't blamecasting.

Dave's words are always spot on.

Thank you uncle Ramsey and let her know the truth. Stop blaming your daughter for your choices. But she and her husband need to be on the same page

Good job Mr Ramsey

I initially read the headline as, "Stop Blaming Your Money Choices on Your Stupid Daughter." 😂

Keep up the good work!

👍 ..tell it how it is Dave.

Preach!

Ouch😬. Truth hurts, even when it's from a place of love.

That was so gross thanks for keeping it real Dave omg

Amen, David,👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻

I haven't watched the video yet, but as a mom to a child with a disability, I am always so conflicted about how much to spend on my child. We were on babystep 3b, but used half of our house fund on treatment. I want to do anything I can to help him feel better, but I don't know if I can keep spending money on things that may or may not help. I want to be able to say I tried everything, but I also don't want to rent forever.

Had to watch this one to make sure it wasnt my parents calling in...

Very well said Dave! Thank you for pointing it out. She needed to hear that.

Excellent job, Dave! ❤

Never be emotional with financial decisions

Ramsey right

So were buying a home for 600k that needs 100k in work does that even make sense?

They’re drowing in mortgage debt with a $130k income. How do these people pay their normal monthly bills??? Sell the stupid family home. Think of your own family’s future and let go of that old family home. Or sell your newer house, go live in the family home and drive the daughter to school, even if it’s far, if that’s school is worth it. The lady is not working, so she has the ability to do that since she’s taking care of her mom. Plus if the husband wants to generate income by using the grandpas house as a rental, there too much emotion involved and he will flip his lid when (not if) the renters mess it up.

Proud of you Dave. It's hard to be that blunt.

WOW she not only blamed her daughter for why they “had” to move but also said she then had to lose income and start working from home because of her daughter… well what was the point of even moving to the better school district for your daughter if you’re a stay at home mom and she’s not going to school???? Weird woman all around.

oh noes my special needs daughter made my decisionmaking special as well!

"It needed a pool." OMG

Dave feeling a little extra abrasive today

Dave bringing the fire. That’s what made the show great

I identify as a carrot and sometimes i go into my garden and dig a hole and wait around for no reason

Dave had to give her a verbal spanking. Stop using that baby for a reason to get into debt. A 600k mortgage, an extra home, a HELOC, she isnt working etc. It's not that baby's fault!

It's kind of savage that she gets to stay at home and take care of her mother whilst he works plus needs to sell his mother's house.

She's used to using the special needs child thing for pass in CA, then called TN....

I have a special needs son and I rent a home bc I can't afford a house.. I don't want to get in dept just bc my son..

Stop blaming your kids for your stupid money choices, period.

Imagine how much easier their life would have been if they just rented in the good school district instead of buying...

Actually, I would sell the more expensive house. 115K is not sufficient income for a $600K mortgage in my opinion, especially with other medical financial pressures. I know they want a better school district, but with the savings from the $600K mortgage they can put their daughter through private school, and if the wife is not working she can drive the daughter there if they are too far for school transportation.

Not that there aren't things that the daughter needs but I'm glad they've called out the fact that she kept over and over dropping the special needs card throughout the conversation. Unfortunately I think this woman is used to having people hear that and then immediately no longer question anything that comes after. You don't get a pass on doing a budget and a pass on math, for any reason. It's also just wrong to blame the daughter because you're taking all responsibility off yourself carte blanche style and casting it on an innocent party.

You can tell right away when Dave Ramsey's doesn't like someone. He's Kurt he's turns he's demanding with his questions

Damn, straight up roasted

They made bad decisions and so did Grandpa. Now they can’t keep the ancestral home. Guess it wasn’t really a priority.

Her husband says it's because of their daughter, but he knows if they divorce, he's got a house she can't touch. He's not selling it.

Keep the family house with history...sell the 600k one. Live in older family home.

I sell both houses and rent in the school district. He made big mistake, buying grandpas house. If does sell the home there will be relatives asking for a share also if grandpa is in a nursing home they get there money first. Regardless what you paid

It seems the databrokers knows to sell the data to marketers and companies. The more you make money, the more you get enticed to purchase expenses. I have a friend like this, the husband makes six figures easily under six months under contract to design a building. The amount expenses they have is incredible, new Tesla, new solar panels, expensive Rubicon, luxury sports car, huge house, three storey house, new expensive Italian made coffee maker, etc. It's stagerring the amount Americans live extremely.

150K income does not match with a million-dollar house. Sell the house in foreclosure before the bank takes it back. It is just a house and what is more important?

I would be interested to know the specifics of her daughter’s “special needs”. I hear far too many parents use this term. In fairness, some special needs truly take a full time person to manage, but many use the term to justify their actions and entitlement when the situation truly isn’t as serious as the term “special needs” implies.

Oh! 😮

Is it possible he doesn’t want to sell the house because he’d be able to keep it in a divorce? Not sure how that would work in California because he had it before they were married possibly?? If that’s the case I’d never sell it. Just my opinion.

Disappointed you didn't say they had too much house in the 600k house, only making 115k. Should sell both and put their kid in a private school if the schools are that bad.

Sell both houses and buy a more modest home. It's not forever. Just until they're out of debt.

He shouldn’t sell anything that family property. He’s the provider, hopefully he leads

Holes have no accountability.

Sell both house pay all debt all rent for two years then buy a big coop

The 20 grand on solar should pay for its self in 20 years.

Not specifically criticizing these parents, but if you haven’t mentally prepared for the possibility of a disabled (disabled is not a dirty word) child, you are not ready to plan for kids (I live in the real world where not every kid is planned and that’s ok). I am disabled, I am in school to be an occupational therapist to work with other disabled people because of the difference it made in my own life. If this man truly believes his daughter is going to develop into someone who is disabled (there is very little chance that whatever this child has going on is just going away) but is academically/financially capable he NEEDS to get/stay out of debt and save for the future. Their daughter is likely to need to enroll in a college support program which will cost more money then typical college even at an in-state public school. She is more likely to have a range of health issues, start saving for that. This is the reality of disabled people even if they are “high” functioning.

W Ramsey

I’m just here for the comments

Excuses and confusion. Does the $130k income INCLUDE the rental income, or no? What’s it generating? This advice is useless without that information. If it’s generating good income it is FOOLISH to get rid of it. The answer to that question also changes if they can even afford their existing house. If they only have $130k, they simply can’t afford their $600k house, they can only afford it if they have $130k, AND the other house is paying for itself plus a sizable profit. Otherwise, you’re selling the existing house.

So was this blaming or them justifying what hey did?

Wow, that was the mean Dave coming out. Doesn't look like his partner there liked all of that answer.

How much is the rental cash flowing? This could/should be part of their income.

✝️🙏

Bad advice. Sell the new house

I was a “Special Needs” daughter. My father blew through all his investment income and died broke from buying toys and time-shares but, blamed it on me all the time. I’m calling BS. People who use euphemisms live in continual denial. You have a disabled child and live irresponsible lives.

Sell both houses and live in apt for a year and you’re debt free

I guess im lucky, my spec needs daughter (disabled) doesnt seem to cost me anything extra. Most states have medicaid for disabled kids regardless of income, do pretty much anything medical is covered by insurance then medicaid. What else is there? P.s. your daughter doesnt need solar panels 😂

I have a dog named Bianca.

Shes getting on my nerves 😂

This woman just stated that she's a cartaker to both her disabled child as well as her mother. She shouldn't have been talked to this way.

❤

They aren't going to sell the house.

If she says she is a caretaker for her mother and daughter it means she’s getting paid from Medicaid! Trust me I know you can get paid as a caretaker even if it is a family member, I know people that have done it. A wheelchair ramp is all you need for a young child in a wheelchair. Not a whole house Reno. Excuses…

Agree with Dave don’t blame your child for your mistakes. They didn’t have to buy a house in that better district for their daughter to go their. An Inter district transfer should’ve been easy imo because of the special needs. Should be easy to show that the district didn’t have the capacity to serve their child.

It's wonderful how everyone jumps the shit talking train without all the Information 🤣🤣. No info was asked on how much rent profit 1k) nor how much each house is worth. Comical

Of course he wants to keep "his house" so if there's a divorce he doesn't lose his equity. Smart man. "My daughter" notice that. "I was working". I think I see what's going on. Guarantee this guy wants her to go back to work when it's time the family member cancer situation and the daughter is in school.

Math doesn't care. Instead of saying "special needs" say Natalia.

He had that house before her I’ll sell her before house

If the daughter has mobility issues then those cracks in the concrete definitely need to be repaired.

Don't sell the rental. He never even said how much profit he is making on it.