I thought she said the HVAC was two years old,not the house?

That's what I heard too... HVAC. Should've got 2 more opinions/Bids before doing anything

Exactly! Why call the show for advice and not consider it ? 🤷🏾‍♀️

I'm amazed by the number of people that make the effort and take the time to call and then seem to hem and haw about their" numbers", income, debt, interest rates. You don't need a spread sheet, but jot down the numbers that you know he will ask about, if you really want his advice!

Keep in mind.. the caller has a husband. It's likely that, esp since she is the one calling, that all the good advise and chastising she is receiving is barking up the wrong tree. She, without her husband on board, cannot apply any of Dave's suggestions.

😂😂😂 such a dad thing to say

I agree

Women seem to do this more than men. It takes them forever to get to the point. (men do it too though)

@@LG123ABC yep

yes, and there’s a well documented psychological phenomenon known as denial also. As the other host seemed to imply, she’s got some other big issues to deal with in her personal family life aside from the home repairs and or home selling decision

also yes and even though it’s always brutal to listen to people like that, I have been listening to the Dave Ramsey show for nigh on 20 years and yes even though people like that are always hard and difficult to listen to, it also has always added to the entertainment factor even though the show’s goal is not necessarily to be entertaining but to talk about good personal finance habits. After a while of feeling sorry for people like that I realized it is much better to laugh at them, considering that I too myself have made terrible financial decisions before and have gone through the denial-to-truth process too and have hopefully learned from it

Yes! but from responses to the caller being pegged a drama queen when in actuality she is stressed over her house repair problems the rat droppings appearing vaguely.

From my experience calling a heating company for repairs ends up with them trying to sell you an entirely new system. It's the new thing, I guess they do not have the expertise to fix it like they did in the past.

It would have been cheaper to go to HVAC repair school and do it yourself.

@@derekwhittom1639 Correct!

Not only that, but she vastly overpaid. I had a licensed company do mine in a rich suburb, for just $8900 total including labor and materials. For high quality Seer Trane. She paid $15k! 😂

Totally agree!

What advice?

DH and I bought a house that had an inspection. The house was a disaster. Needed a new HVAC, septic work. Still working on the electric.

Jenny Pamogas Canaya, that's whom i work with look her up and thank me later...

These bots are getting dumber and not smarter

it is the woman of the house,, just know the husband did not want it

Great idea. Never owned a house before so I'm wanting to learn to before I make my first purchase

Research, due dilligence, common sense .

Yes please to this topic....I am in no rush to buy because I know I do not have the cash on the side to deal with maintenance and unexpected repairs. I am not willing to buy a home until I know I can part with 20K at any time to deal with an issue.

@@smustipher yes..the expensive stuff like a water heater, roof repair or hvac...those are the only things I can think of...also my friend has heart issues and when they bought their home they said they never thought of the distance between the house and nearest hospital..things like that.

@@c0583094 common sense doesn't always work when youve never done something before. Research is good but there's only so much you can do. That's why it's great to learn from someone with experience and to avoid the pitfalls they may have made.

He really is a father to a lot of people in a sense.

All his advice is commonsense

@@johnlanier3616 which is seriously lacking from today's average American.

Strange how people can twist someone else's compliment into an insult

Where is your husband !!!!!

@@joycemckenzie5723 where is the question mark when asking a question?

Wow see it's just amazing what people don't know to buy a home

Sounds like if the pipes maybe leaking in the foundation, reroute the pipes outside of the foundation.

@@johnmoore5293 i don't think you can do that with a slab.

@@josiahthornton9125 yes you can, I did it on my house. The pipes go up into my attic instead of under the house now.

So is Dave wrong? Popping off with a strong opinion when he only knows part of the situation?

A new unit for my 1600 sqft house in WI was $4500, last year.

I’m in Texas and that HVAC amount is double what I would pay.

Not necessarily. My brother in law is a broker but their first house had rot in the walls that didn't show up in the inspection. He had to tear it down and rebuild

A two yr old house ac went out? Did I hear her right?

Yup it’s not unusual it’s just a bad news part of the new house thing

This is what happens when you forfeit your protections to become a competitive offer. Buying a house at all costs is stupid.

I wonder if this house was bought "As Is"

The weight of financial blows are heavy...not that hard to understand

Ashamed. Or wants to cover up some stupidity that she wants to continue in.

She might know the people who did the work.

Accountability that’s why. She doesn’t have it

She may have bought a money pit and she jumped into buying without a cash reserve, and use it instead of financing. Sell it.

People pay the BBB to keep their ratings good.

a Real estate company that does them Flat Fees not commission

Poor husband. It is like pulling teeth talking to this women.

You got ripped off, big time.

@@Rosie-rf9vn $17K seem cheap for a site made standing seam roof.

No kidding, I've heard up to $60K.

😂

Her husband seems to want to let her shoulder the responsibility while he stands by not contributing. However, I don’t think that’s necessarily the case. When you are young you believe that if you call in an “ expert” to evaluate the HVAC , foundation, plumbing, wiring, or anything else , they will be honest and capable. Not so! When you are young you don’t know what questions to ask, or what the potential pit falls might be. So easily taken advantage of it is criminal. Same thing happens to old people. It isn’t that any of us are stupid, but we are ignorant about things with which we have no experience. Lesson for us has been to study up as much as possible about anything you need to have done to your house. Oh! Inspectors are not always honest. Sorry, but it is true. If you are from out of state, the house you buy may be inspected by the sellers cousin. Just saying.

@@sharondoan1447 excellent explanation! 100% agree.

How much did your home cost?

In NC I couldn’t be gone after as a seller as long as I noted “no representation or unknown” for any of the structural statements. And from the home inspectors I know. They have clauses that say they do the best they can to find things but it’s not as if they are dismantling the home. Something things can be missed. Competency is key if you’re the buyer.

@@Force5_Eye_Dev may want to talk to other inspectors because I was told if they miss something big like that they have insurance you can file a claim with

@@Force5_Eye_Dev I mean that is their job, to make sure there’s nothing seriously wrong and if they didn’t find the problems they are incompetent. I’d look into go after the inspector if the buyer didn’t know

True. I’d have to have a good convo with them and review some legalities to know what would constitute what. My guess, and it’s just that, would be if they made a specific statement about an item and it turned out there was a needed repair. Vs what I would see on reports on such as “unable to inspect” or other things. . So yeah, all tbings can have a negligence side to it. But even a proper home inspection can miss things and the inspector shouldn’t be at fault. I’m some circumstances. On Mobil so sorry for formatting etc.

Medical insurance.

Why? I was thinking about moving there

Louisiana too

I remember reading somewhere while house hunting that you should at least water the ground around your foundation regularly in Texas during summers. This and plumbing in the attic always bothered me about owning a house in Texas.

​@@TimeisUp22 I'm not sure where exactly you were thinking of moving, but clay soil is predominant in many areas of North Texas. Clay soils expand and contract based on the moisture content. It's recommended to water your foundation with drip irrigation, especially during the summer months, in order to keep the moisture level stable.

And because she doesn’t want to learn, you have to step back and not waste any energy on the drama.

College can’t fix low IQ. Good family can’t fix low IQ. Education or a job can’t fix low IQ. Teaching someone can’t fix their low IQ

HVAC has to be in really bad shape if need replacement and/or a very cheaply made units. Usually it is just the heat sensor and blower that goes bad which can be removed and replaced.

@@blackworldtraveler3711 Who knows. Maybe the filter was plugged solid and the heat exchanger cracked?

@@paulstandaert5709 I hope the heat exchanger cracked if they have to replace the unit. It's premature though. My heat exchanger had a 10 year warranty. It's my biggest fear is a leak and have a carbon monoxide sensor/alarm for that.

Better solution than renting, learn how to repair and maintain your house yourself. Lived in my home 20 years, 95% of maintenance, repairs and upgrades were done myself

We also got 20yrs out of ours too

.mine was 32 before I replaced it!

interesting, I didn't know you can water your foundation.

and watch it grow

@@HelloWorld-hb7yt I prefer to flood a bath every now and then to keep the foundation watered. Even better if you do it on an upper level so you can save water by watering several levels at a time.

Make a KZfaq channel. I love watching fix it guys

I’ve probably done 20k in free home repairs for my grammas property. Some of the most fulfilling work I’ve done in my life.

That's the main skill of maintenance: watching what you have and keeping an eye on it instead of being dependent on other people all the time.

There are people who are elderly, crippled have disabilities is so many variables. U cannot just say all people are lazy and week some people are crippled . I read on city/data forum a guy tried to put new roof on fell and broke both legs . Let the professionals do it and this is why u need an ungodly amount of money to be a homeowner

@@janityy I never said anyone was lazy, go back and look again. However if you can not do the work ... renting might be better ... Home ownership is expensive either time or money or both ...

I didn’t get the advice Dave was trying to convey. Was telling them to walk away from house. Is it salable with all those problems ????? What should they do ?

Unfortunately, not if the seller wants to dump this bad apple, he will convince a new or 1st time buyer to not get it. He will say: I can save you some money the inspection on a new house is not necessary. It's only two years old what could possibly be wrong?

Have like $10k saved up instead of $1k

You have to put the debt snowball on hold

What??? How is certifying a foundation related to plumbing????

So true. This past summer I had a rental unit go down, sent my usual guy out, he sends his new shyster partner out, tells me the condenser coil was dirty charges me $100. I get a call from the tenant two weeks later turns out he never cleaned the coils and the problem was with the cooling fan motor. I threw in a new motor for < $100 all is well. I had another tenant in a duplex call for heat out, get in the attic and the other unit isn't working correctly either. Both flame sensors where dirty half hour to clean, everyone has heat. Wonder what the professionals would have charged for that.

She had one question. Should she sell her dis-repaired house.

None of that sounds insurance related

It was probably in a development. There is basically zero incentive for builders to do a good job. The whole point is to get a house up that passes the basic inspections so that they can unload it onto a buyer. The first owners probably saw this coming and dumped it before it cost too much.

Project on a house or ?

On a 118 degree day, A/C out, I get quote "up and running within 24 hours" or a week from now.