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Dave’s pause then saying “I think you’re more upset about this than anybody else on the planet” was perfect

I'll be fair to the father-in-law, if he's only paying $250 a month rent, why would he buy a house? Yes a house helps you build wealth, however, you're not going to buy a house for $250 a month

The man is paying $250 a month to rent a house. $90k over 30 years … he doesn’t need to be making gains on his investments because his cost of living is NOTHING

he hasn't ask you for a penny, let him live his life... 68 with cancer... give him a break. and relax.

She isn't worried about the old man. She's worried that she's going to have to support him.

He’s doing better than 50% of Americans who cant even cover a 1k emergency

$250 a month rent? I would have been a millionaire before the age of 25. A total steal.

There are some people I've seen getting on this woman's case, but she is not judging her father-in-law for the way he lives his life. She is worried she and her husband will have to support him because he has made financial decisions that worry her.

He's not your child.. don't worry about him. He's not your problem to deal with. You're not his savior or protector should he go broke.

I'm guessing the dad doesn't even WANT this lady's help.

Parents will YOLO away their money then drag down their kids financially

Most adults 30-40 are getting ready to deal with this problem

100K in the bank + $1500(average) in social security every month is not that bad.

He's staying in a $250/month apartment. Seems like he understands his living situation. His SS check likely pays for his rent and food.

You scared 😳 but is your father in law scared he thinks he living has best life 🤣🤣🤣🤣

The caller makes $130k a year, is broke and concerned about a family member. Come on man!

$250/month is a steal for rent. Property taxes and maintenance might be close to that amount a month if he buys. He still has money in the bank and sounds like he can afford his lifestyle. He probably shouldn't have that many cars but if he has 100k in the bank it should cover it.

My man has his priorities straight. Gotta buy a gun to protect them jet skies.

Other people's finances aren't our responsibility. Unless you already signed the POA. So don't sign the POA!

Dave says it’s hard to watch someone you love do … She’s not calling out of concern for father-in-law. She is worried her husband is going to agree to support his dad, and it will torpedo her dreams. Her discussion should be with the husband about setting boundaries on how much to help dad.

He's an adult... Stop being co-dependent....

I’ve had this worry once before too, about my own father-in-law, he loves giving money away to scammers from dating sites. At this point if he goes broke and starts asking us for help we’re dead to him. I’m sorry but someone at that age and older should’ve set themselves up for the rest of their lives. That is not your responsibility or your husbands obligation. Morally it’s right to take care of family members but not when they’re irresponsible.

A one bedroom apartment in my neighborhood is $2000 a month

People rarely account for it in our retirement plans but statistically speaking, many of us will have to take care of our parents.

Hi Dave! Not only did you help us get debt free we just sold our home and bought a tiny house lot in Nathrop Colorado. Now we’re able to invest the rest of the proceeds and look forward to a nice retirement of travel and outdoor adventures! We love our community in Chateau Chaparral and can’t thank you enough for your program! Now we’re loving life instead of just hanging on.

I love listening to those shows, we learn so much! About finances and about LIFE in general

“One of the most painful things that we all go through as adults is watching people we care about be stupid. Cause you can’t make them not be stupid.” I love Dave.

I think the guy is doing fantastic. "It's not my problem" but you are making it your problem. He is doing just fine doing his thing as he should and maybe take him out for some BBQ on the weekends and enjoy your life with your hubby.

Take him to the local area trailer parks in lovely Ocala and point out the window, he may be okay with that. Single men don't need to own a home, he can live in a car it's not impossible.

This is her and her husband's business only if the FIL is secretly expecting them to foot all his bills once he spends all his savings and his SSI isn't enough to pay for his lodging and care. They need to sit down with him and (gently, tactfully) find out what his plan is.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

This lady needs to mind her own business. I have been married for almost 16 years. I do not know how much money my 70 year old in laws have in their retirement. If I asked, I would be disowned.

I don't think this lady is being selfish, I think she has some real worry. I would be worried too if I was working FOUR JOBS to pay for myself to live, and on top of it had to worry about now having to support my husband's father. That being said, just have a straight conversation with him and let him know you cannot afford to support him. My mom sold her house about ten years ago because she couldn't afford to keep it up once my step father died, and she didn't want to do all the work involved. A year ago she talked to me stating she was thinking about selling her almost paid off condo to buy a house with her companion, who is older than her, but he is in good health supposedly. I sat her down and said, you can buy a house if you want with this man, you are a grownup after all, , as long as you understand that if something happens or you or his health goes downhill I will not I CANNOT take care of two houses, so you will be on your own to keep it up, including the snow blowing and yard work. I haven't heard a word about it since and she is still living happily in her easy to maintain condo. I think the best approach is to not be bossy, or tell them what to do, but to make it clear what you will not do.

5:11 Ken loading up for his response 🤣😂🤣

Can relate; my pop inherited an fortune and gave it away to buddies. Would not consider any professional advice.

She needs to take care of herself and let him be.

Apartment complexes don't generally allow free storage (or any storage) for spare cars, cycles, boats etc. He'd have to pare down all those toys...

YES! Hallmark could have a HUGE success on their hands! The Dave Ramsey Card collection! 🤣🤣🤣

Have to love those In-laws.

This lady sounds like a Karen. Let him live his life.

$250 a month for rent? id be rich if thats how much my rent was!

Tell him as nicely as possible, that you’re going to leave him to twist in the wind. If he hasn’t been convinced by now that he has to be better with money, he isn’t gonna.

I've learned NOT to take other grown people concern on top of mine. People need to feel consequences to wake up, don't be an enabler by trying to save someone when you yourself need saving.

She sounds self righteous, judgmental, and full of her own debt. Study to mind your own business.

Bad advice to tell someone to possibly enable their in law.

Love the Dave Ramsey card idea 😂🤣

An 8.5 percent return on investments isn't good? Serious question

Lately all households on Ramsey make over 100k / yr.

is it just me or is this father in law doing ok for himself and as long as he gets social security and pension from now till the day he dies he will not have any issues?

Worry about yourself not your father inlaw

How is he irresponsible? She wants him to stop spending his money so they can have more to inherent. The husband isn't worried bcus he loves his dad more than his dad's money. She should have been calling to get advice on her own financial hole they got themselves in.

Just let him live his life

I don't agree with her. He's doing alright

Yeah daddy just enjoy his life! He has 100 K, he could live in a trailer paid it all and just pay utilities he will be fine I’m sure he get some type of Social Security or pension or something enjoy your life Pops!!!

She’s doing my head in 😂

She needs to leave her father-in-law alone and get on with getting rid of their debt. Too bad they did’t ask her how much debt her and her husband have.

don't take him in have the talk now. tell your husband you are NOT taking him in EVER... never ever ever. let your husband know under no circumstances in this world his father ever will live with you in your house. and you have to do what ever you can NOW knowing he CANNOT EVER stay here to prevent it from from happy. its on you now to help him im protecting our immediate family by preventing this, now you need to help your dad handle his business

he's not their problem.... he'll have to figure it out on his own.

Eew, horrible reciprocation. Tried saving it at the end but their faces said it all while she talked.

Wonder how her own parents are doing?

I wonder about people who think their kids will take care of them. He isn’t going to change.

68 is late to change. But if he has got 100 k, he is not a looser

* one does not simply use one's retirement savings to find an overseas holiday *

I'm sure this caller is freaking out because FIL is losing his $250/month housing and doesn't have money sense or much for assets and is likely to end up broke and living with her.

What does this woman think being in a poor financial situation looks like? He could buy a small place in most markets for 100k and would basically have no bills (possibly a vehicle) and be able to live off 100k plus social security plus pension. I also love how supportive Dave was to the woman even though he clearly was thinking she was just not correct

No shame in renting and home ownership isn't for everyone. Dad will probably be okay.

Boundaries.

This reminds me of when we rewrote our wills. We asked our adult children, "What do you think of this idea?" They all gave the same answer, "It's your money. Do whatever you want." Well, we kept the real and personal property and about a million-and-a-half in cash and marketable securities in case we later need long-term care but after that did what we thought best. Also, Dave mentioned about when people we care about are stupid. Who hasn't been stupid? Finally, they're talking like this old guy is being stupid. Maybe has lots of resources and income; they don't seem to know.

She's going to end up losing her career nursing this old guy

Mind your business, stay in your lane. This father inlaw is living below his means and has $100k in savings that sounds like a disciplined man to me, he hasn't asked you for a cent, so mind your business.

You don't worry about it and when he has problems, gee Dad, I'm sorry to hear that. And yeah maybe you can buy groceries once in a while. And that's it.

Why take care of him, its clear he wasted all his money on vehicles. Let him deal with the consequences.

Karen called again

You are so perfect talk nice he a grown up you did thing right did you

They're working the baby steps and he has 100k cash.,.... Who's the real winner? People his age call crying all the time they don't have ANY MONEY and he has 100k in the bank. I live in FL and work in insurance. People literally buy houses at 80 with a 30 year mortgage. She needs to relax.

Another 67 year old who NOW wants to buy a house. Idiotic !! People.... SMH

I wouldn’t take care of someone else parents who clearly are making bad decisions

That father-in-law sounds like my parents. :(

If you had asked how much social security he gets plus his pension--he might be OKAY. If he should need help in 20 years then I would ask--whatever is family for? If they are doing so well --they should help him since they have a good relationship. He is still relatively young and it may be 20 years before he would need anything and he is not asking them for help now anyway. Until he does....she should MYOB.

3:55 She answers her own question.

The woman was really over-reacting. It's someone elses life, not hers. If he's paying $250 in rent, he's not doing to badly and it sounds like he just likes his lifestyle the way it is, just except him instead of rejecting him so much. Why would he come live with them if his rent is so cheap?

I gotta side with the FIL, sounds like he is living pretty well with plenty in the bank.

Too bad she didn't say how much his monthly income is. If he has a pension on top of his social security he is probably fine.

She doesn't like her father-in-law.

What's everyones opinion of having another personality on each show instead of just Dave? I'm kind of torn.

Sounds like she wants to control him

Karen needs to mind her own business. For all she knows, he's debt free...and his rent is only $250! Meanwhile, she has alot of debt. Dave should be giving her advice about HER situation. The old man is probably doing just fine.

Yes yes yes I can't control anyone

It's like a dog protecting it's food bowl when another dog visits. I don't think she is so concerned about her FIL as she's building a case so he won't interfere in her quality of life down the road. She so oddly laughs through this whole conversation.

Can’t even imagine how it must feel to rent a trailer with no AC in the middle of the summer in FL. No thanks.

Another Christina that gets overly worked up and cant calm down. Relax Christina, your father in law just had cancer treatment.... let him live his life a little.. and you should just focus more on yours.. we never know what tomorrow will bring good or bad. life is way to short so give your family a hug and try to let go of trying to control everything. I hope you find some comfort , relaxation and refreshment in the coming day! Best wishes to you and yours!!!

Did she just say renting a house for 250 😱

She is worried about nothing. It’s not communal property. I would stay out of it. It has nothing to do with her.

He sounds fine. Caller (she) should pay attention to her own life.

no it's not selfish . the man needs to behave. simple

Her father-in-law doesn't need help and hasn't asked for it.. You can't make someone else do anything. He is allowed to do what he wants. Her father-in-law is in a better position than my in-laws. My in-laws have mortgage payments, car payments and no savings. If/when our parents health fails they can move in with us and after that the nursing home will take their social security. I'm just trying to contribute to my retirement fund so I don't wind up in the same situation as them. My in-laws are of a generation where they don't ask for help. We will, of course help if needed but for now they are fine.

Just an impression: this is why the father-in- law has an EX. But the problem lies to a great extent with the KAREN - who thinks she ought to be the master of his universe. It’s like magnetism for this kind of man to “attract” this kind of woman.

W O W

"Tuba-four"