@@clark4312 nah this dude capping about the 8 year relationship and the gf obviously wants to spend his money because it’s too dumb to get a mortgage so the bank interest you and you pay more
Dave called her out for sure, although, putting let’s say $400k into dividend ETF will net you about $20k a year assuming a 5% return; + compounding every year.
I have no idea what she's thinking but she is asking a question and I'm hoping he can say why paying in full is better. I'm not paying off my mortgage because I can make more interest from investing. My interest rate for my house is 2.8 so it's pretty easy to make more money than what the interest payment is. No one wants a mortgage but that's why I justify mine
👏🏼👏🏼👏🏼 He said exactly what I was thinking. I'll ask my boyfriend his opinion on if I should buy this or buy that... Sometimes he agrees the purchase is necessary and sometimes he gives me an alternative solution....At the end of.the day...I value his opinion, but there's no "we" when it comes to my money and no "we" when it comes to "his" money.... opinions and thoughts are valued on each side but we do as we please.
Never tell your wife, inheritance or gift in your name only is not marital property and you’d be a fool to throw that into joint account. I DONT CARE if you have the greatest marriage in history. Sure you can move money from that to marital accounts but keep the gift seperate. You have to protect yourself
I’m so happy he said what he said without hesitation! I genuinely do not understand calling regarding your boyfriends finances like this , that’s his money
Yes id like to hear the entire call to see if their is any extenuating circumstances such as she says her boyfriend asked her to call Dave cause he was too busy or they recently discussed marriage and about to be engaged at least or even how long they have been dating. I'm assuming that they are living together now n renting something. I'm not saying this changes anything about what the best financial decision is which is the reason for her call but it might put the reason that she thinks it's even appropriate to have a day let alone call especially when it is his money, they are not married n it's not even like he's making a terrible decision. I'm not saying as a serious girlfriend dating someone I love n hope to marry who has said the same that I wouldn't now feel perhaps not entitled but certainly feeling I may be hooking my star to someone I'd want to prevent a big mistake if I could. That may be a tendency we have that we have to resist however. Let's assume she met him a month of two ago and he is telling her today that he is receiving settlement soon and going to buy a house cash I'm sure she wouldn't have to much to say about it. Would she question why this was a good or bad decision? Let's say she met him a month or so after he bought the house would this at all be her concern or would she just be happy she found a man she is fond of and vice versa who at least seems to be in a decent financial situation as opposed to a.complete deadbeat or someone really struggling and living with Mom n Dad like many.. Sometimes people look a gift horse in the mouth n go looking for problems when there aren't any. I would caution her about this tendency which can impact any possible marriage or child rearing.
@@one-to-one-ratiothat only applies to when you are married. If I was dating someone for 1 year or really doesn’t matter how long I would never put my girlfriend on it because what happens when he breaks up or something happens and you the try and get half the house which you paid nothing for. So it should be split until they get married to have some sort of insurance if I was him
I highly doubt it. There’s no way this women, with clearly no financial reason called on her own fruition. Their was an argument between her and her boyfriend about the money and he probably said “call Dave Ramsey and he’ll prove I’m right”
She didn’t sound condescending tho. If she was like that she wouldn’t have called in. My thought is she wanted a mortgage so she could help pay the mortgage and not feel like she was living in his house. If she was a gold digger she would have kept quiet until the right time.
I dated a woman that sounded just like this. “Dated” is important. Younger men, if you are not married, your finances are yours and no one else’s. Do not get trapped.
Yep. I was "dating" a man when I got a large settlement. I was careful not to let him put his name on any bills. My three kids and I needed the protection against anyone trying to sneak in on it, and my gut instinct was correct when he became abusive.... Whew! I dodged a bullet.
@@bcc7777I made this mistake with my kids dad. My dad had passed away right before we met so I received a large inheritance. All the money was gone in a year... That was over 10 years ago and not a day goes by that I don't kick myself for being so slow.
@@bcc7777 I want to know ur experience in an abusive relationship, if yu don’t mind. I can’t tell if ur a woman or a man but regardless I’ve been in one myself and they dumped me a few months ago. It’s scarred me so bad what this girls did to me that I struggle to do my day to day living and I have literal panic attacks when thinking about her or anything even close to her. Along with breakdowns nd sobbing randomly. She used to smack me…a lot. Then gaslight me tht “abuse is a serious accusation” nd she’s not abusing me. I poked her a** once playfully nd she was like stop so I poked it again like ANY BF WOULD rii? She b**** smacked me nd it brought a tear into my eye. Looked me dead in my face nd said “I did tell yu to stop.” Then would turn around nd say how much she loved me nd how much I meant to her nd how she’d never leave me. She was seriously a sick f*****g individual. I’m asking for ur experience because ur probably older than me seeing as how I’m barely in college right now and yes an abusive relationship while barely being an adult is REALLY CRAZY but stuff happens 😢
@@bcc7777 if yu don’t mind sharing yk, I’m js curious because I went thru the same nd it was both physical ND emotional nd it follows me around to this day. I can’t even look at girls the same. Barely get an e******n when I watch p*** or see a pretty girl. I js feel so broken inside nd cold nd heartless nd betrayed. Nd most of all js hurt.
You see how he listened and then asked her why? Then threw in the... It's his😂 The other host will be sitting there telling the reasons why not and wasting alot of time...
Unfortunately, the boyfriend, who REALLY needed to hear that, was not on the phone call.....poor guy she's gonna take him for everything. She didn't want him to spend all his money on the house because it would only be in his name and as his girlfriend she would have no claim to it. Large cash amounts, however, can be spent on things in her name like cars, jewellery, trips, clothing etc....GOLD DIGGER comes to mind lol
@@screamoguy100The woman was right though. It's dumb to buy the house outright with cash. With that kind of money you can put a nice down payment on. Get a good interest rate and invest the rest of the money, which is going to make you more. There's no reason to pay it outright if you get a good rate.
@@Maybe_Tom_Cruisea good rate? Do u realise how the banking system actually works? The interest he pays on the mortgage will be double what he gets on his savings! Learn the banking system. Mortgages are for dumbos! Only get a mortgage on a house u have as an investment.
I LOVE how he answered her! It isnt her money & he really made it clear that this is his money NOT hers. He should be calling/ involved in this, not her
If he wants to buy the house outright that's his choice, and it's a smart one. No banks involved, no debt, no high interest rates on the mortgage loan, no fees tacked onto the loan for paperwork, filing, and blah, blah, blah. My parents paid off their second home in 15-years by refinancing to double their mortgage payment. They were both working in really good jobs and could afford to do that. They sold that home once they paid it off, moved out of state and paid for their next house outright. No worries beyond utilities, regular maintenance, and property taxes. There is an enormous peace of mind that comes with living in a home that's completely paid off. I think this woman wants some of that settlement money imho. Red flag!
The fact that so many women do this and sleep with a clear conscience every night deeply enrages me. Evil will not prevail, they will get their karma eventually.
Abaolutely. If she can get him to have a loan on part of the value; she can help him make the payments, whiich seems generous; but is a strategy to comingle funds, so that she can lay claim to some or all of the house; a power she doesn't have, if he uses his money soly for and payments and or repairs.
@@Cravendale98that's the problem innit? It's funny how the further people go away from traditional values like God and Marriage the more fuked society gets.
@@jpatt85what does god and marriage and traditional values (assuming you're not talking about same sex marriage) have to do with wanting to share your finances with your significant other? 💀
@@kingfx-ru5gfno, if you’re married you have to make decisions together otherwise why get married at all. My husband has equal decisions in the money I make, I have equal decisions in the money he makes.
That's because he knows what he wants to do which is buy a home with cash and no mortgage paying interest to a bank. She is thinking more along the lines of we both own it have both our names on the mortgage and then overtime use the inheritance on improvements on the house
So you don’t want a wife that has her own opinions and is being smart about it. This woman could very well just try to inform herself to support her boyfriend as best as possible. She called into a financial expert to get an opinion on their situation… She never said that she wouldn’t let him do whatever with his money, she was very humble about it… she said she isn’t sure. Just because they aren’t married, doesn’t mean their partnership is any less worthy of being a partnership… I would argue she would make a great wife, because she is trying to be informed and support her partner the best way possible. She clearly stated, he is getting a settlement… but since they are a couple, he isn’t single… they are buying a house… that doesn’t mean her name is on it…, but they are a couple and as that they are picking a house. If he doesn’t take her opinion into account on that decision, then he would be a bad partner (or no partner at all and should actually break up with her) because he is making a longterm decision with his longterm partner… It’s always a give and take and the host was rather rude assuming she needed to be told that it’s not her money… she knows. That’s why she stated it that way.
@@sarahgirard1405hahahaha someone got offended... Anyone with a right mind could tell what she wants here, especially as he said, she wants a mortgage so "they" don't give away too much money, she wants to spend some on herself.
“We’re looking to buy our first home.” is a classic. She picks a house and he buys it. From his own earnings. Then they get married and he will loose half once she decides she is suddenly not happy.
half the equity will be hers when she cosigns on that mortgage she wants him to take... after she decided to bail in a year .. if he pays for it with no mortgage he probably smart enough to not put a girlfriend name on the mortgage
Separate question why not just buy a house yourself in a supercheap area because I’ve known couples that buy a house together and they get divorced and can’t afford another house, so they live together, even though they’re separated, because they got married partially out of convenience
Yep, and if he buys it out right then she gets no part of the house when she divorces him. She has shown her true colors and he needs to cut her loose. She has all kinda plans to ruin and manipulate his life and take his money.
She is helping him though. Mortgage with house as collateral has a lower interest rate than the annual return on SP500 ETFs. This guy is a clown and shouldn’t give finanxial advice
@@Gugnar678He asks her why she wants a mortgage twice, and he states that it's his money and not theirs. Could be me, but I didn't hear any financial advice
@@Gugnar678 it is good to get a mortgage with a wife, not a girlfriend and it’s his money because they are not married. The only reason she wants to get the mortgage is because that way if they divorce, she can get the house and probably half of the settlement.
For a boyfriend or girlfriend to buy a house, solo, while in exclusively dating is a redflag and an insult. He could just wait a few more months to see if she's marriage material. Propose. Then go house hunting together. So he is saying bluntly that he is dating her but not considering marrying her. Or he is not willing to share important decisions with others. If you are going to buy a house while single, be completely single. Or just wait a year to make an informed decision.
@@kathyp1563nope. We don’t know how long they’ve been together. It could have been 6 months for all we know. Statistically, it’s not wise to marry someone within the first 2 years of dating. She shouldn’t be moving in with him and she shouldn’t have any weight on his house buying.
I don’t love that at all. They are still in a relationship, a partnership. And she is doing something very admirable. Getting an opinion from an expert… I think she is very much wife material for that. She never stated it’s her or their money. She clearly stated he is getting the settlement… but they are buying a house, because she is his partner. If he wants to be alone and live only as he wants to, then he needs to break up with her… a House is a Long term commitment, that your long term committed partner should have some say in…
@sarahgirard1405 wohh girl. Stop. Full stop. Men are allowed to date women before marrying them. But, in zero possible terms does that make the women a partner. Only after 2 become 1 through marriage does the word partner happen. I think you are manipulating the phone call into your own desires and that is witchcraft. Dont. 😮
@@savinggift158 you are assuming that he isn’t going to do ANYTHING else with the money. Other experts in the field also choose to have a mortgage eventhough they have the cash…. Example Graham Stephan. Her question is valid. Your interpretation is purely assumptions.
@@sarahgirard1405 I get what you’re trying to say but understand Dave is not just trying to demean her by saying that. It’s a genuinely good point of advice
How have u got this from this video 😂 if a couple a together and one of them have the money to buy the house I think as a couple it would be there home as they both live there
Na bro just happened to someone i know she convinced him to buy a house to rent out to people. She left and f**** him big time. She was on the deed and everything.@@reecehook5847
@reecehook5847 yah until they break up then the gf gotta kick rocks, unless, they get a mortgage like she wants & she signed on it, so regardless is she doesn't pay she's still financially responsible as being signed on so it's also legally hers too
@@howie6666no idiot, debt financing is cheaper than equity financing. Interest rate (especially with house as collateral) os lower than return on investment from SP500 index fund. This guy is a clown and shouldnt give financial advice
Exactly, if he owns this house in his name only and it’s paid off before they get married she may not be entitled to the house if they get divorced. I owned a home and had a lot of equity in it before I met my ex wife. When we got married we sold the house in my name, put 20 percent down on a new home(mortgage in only my name, but deed in both of ours) within 1.5 years my ex wife moved out, left me with every bill we had as a married couple. She started a whole new life. Boyfriend, apartment, the whole bit. At divorce time she was entitled to 50 percent of everything. 401k profits during the time we were married, 50 percent of my paid off car, and 50 percent of the house. My lawyer said if I owned the house before her the house would have been a different story. This chick is not marriage material. Who is couldn’t want a paid off home?
It's objectively a poor decision to dump that much cash into real estate. Put down a big down-payment if you want, but finance some of it and invest the rest into safer, more reliable assets that will grow at faster rates than your debt. Real estate is risky and should not make up a substantial portion of someone's net worth.
@det_tf2 I don't have a mortgage and with that i also don't have the stress that comes with a mortgage. Doesn't matter if you play with the numbers and make it somehow more profitable to take on more risk and more stress
"My responsible boyfriend wants to do something smart with a bunch of money and I can't get him to make a bad decision with his money. Please help me derail this stranger's financial future."
I had a conversation with a buddy of mine who claimed that marriage is just a piece of paper. I said sure, you can view it that way, but it's an IMPORTANT piece of paper. Without it, legally, there's no WE.
@@truthhearit1471 Currently, only Colorado, District of Columbia, Iowa, Kansas, Montana, Rhode Island, South Carolina, Texas, and Utah recognize common law marriage. A few other states, including Georgia, Idaho, New Hampshire, Oklahoma, Ohio, and Pennsylvania may retroactively recognize a common law marriage if you and your spouse satisfied the requirements before the state banned it.
I was thinking the exact same thing. Gold digger. She found out about his money on the way and now she’s nesting getting comfortable like ‘she’ hit the jackpot. There is equality now. Women can pay most of their way.
Dave: Why do you want a freaking mortgage? Her actual response: How the hell am i supposed to get my name on the house even though hes gonna be the one paying.
I didn't hear the entire conversation. Do we know how long they have been together? My wife and I have been together for 18 years. We've been married for 7.
@@Bassude If the positions were opposite and she wasn't questioning the mortgage but telling him to buy it outright, she'd be giving good advice. I think people in bf/gf relationships are in a situation where they are at least invested in the other person's future and therefore have a stake in that person's decisions. It's essentially the interview for marriage. It's more about her desire begin a bad financial decision and she clearly like everyone else thinking this, she wants to use some of that money irresponsibly. Yes, it's his decision. If he were the one wanting to water the money she'd be right in telling him to buy it no mortgage. Which is where I was 20 years ago with my ex husband. He'd never have had to work again if he'd just have listened, but I didn't press because it was his money his decision, it was only my decision to marry or not. Male or female, money holder or not if someone is being financially irresponsible, you should take notice and be concerned about tying yourself to that person.
I don’t think so, she realized what she did and realized she was wrong. Are we going to dismiss every body that makes an assumption and then realizes they’re wrong? She did the right thing calling in to get the best advice and admitted yeah they’re not married and she shouldn’t be coming into this. Idk that’s my perspective of it at least
What I like about this man. He is telling the truth. And very direct, which that’s what people need this days. Thank God I see a honest man once again.
Girlfriends and Boyfriends can be serious enough to talk and be involved in each other’s finances as advisors and future life-partners, so I do think it’s cool to have her involved. But yes, her authority is extremely limited in having no contractual obligations to her partner or the money he’s receiving for the house.
Attorney here This little operator will be pushing for a name on the deed. Notice said "we are planning to buy a house." There is no doubt in my mind she intends to be on the deed. If it were just him on the deed she would have said "I am calling for my boyfriend, he plans on buying a house." No this little number is thinking ahead, way ahead of her boyfriend.
She's real Disingenuous. She knows exactly why she wants the mortgage. #1. She wants her name put on the mortgage because with a prenup that would be a Premarital asset that she cant touch. #2. She wants to spend some of that money for herself and with a mortgage he would have alot more money still in the bank rather than dropping Big Money to buy it outright.
Maybe that's her plan, but anyway for women is always win-win situation in divorce. if she assists with expenses from her separate account, the premarital property becomes a marital property...
Thats exactly right. She wants the leverage of having her name on the mortgage and she also wants him to have more money in the bank that she can help spend.
She’s probably already living with him for free and him paying off a house 30 years earlier is of no benefit to her. But vacations, expensive gifts, cars, etc before she breaks up with him in a couple years is what she wants.
I bought my house in cash...no mortgage..... This saved my butt in 2020 when I wasn't able to work because of big "C.V." that year .... My biggest challenge was trying to figure out how to pay the property taxes without a job (any money I made from side jobs was going to utilities, gas, and phone)...luckily my state had a grant to pay property taxes for that year... I applied for the grant, got it, got a job, and moved on and became financially stable again..... meanwhile...my friends were falling months behind on their mortgage payments and were doing everything possible to keep their homes ....
Assets went through the roof during Covid because the fed printed money. Had you invested your mortgage money into any basic index funds you would have made a ton of gains. Would have paid off your mortgage and had extra to live on. You just weren’t able to work during 2020. But had you not paid off your mortgage you would have been setup even better…. Investing is best option because we learned in 2020 that stocks have little correlation to company performance but has more correlation to fed printing money. So….. the fed is going to have to keep printing money till it implodes… which means your assets will continue to appreciate in value. Meanwhile your mortgage payment is locked in…..
You can always borrow HELOC to keep the house afloat. Beats losing it at a sheriff sale. Your friends didn't have that option as they were likely leveraged up the ass.
@@kingtenstudios5870I don't know how things work in the US but in the UK if you had a 25 year mortgage you're just paying off the interest for the first 10 or so years. That's a lot of interest payments you save if you brought your house outright. My mate's average mortgage payments are around £1000 per month, over ten years that's £120k just in interest payments. Why would you do that if you could help it? I brought my house outright, best thing I ever did.
Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 50k weekly and this has improved my financial life. Great piece!
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
she's a known advisor. I actually did look her up curiously and went through her credentials on her webbsite... Top-notch! I wrote her an email, hopefully she's accepting new intakes.
Yes but that don't make him no fool either. The academics would like you to believe that all believers are fools meanwhile a lot more scientists are converting
@@dpajc056 your response makes you seem insecure, op didnt make the slightest implication of him being a fool. A handful of scientists believing in a god doesnt strengthen your position. I can tell you plenty of ppl who have scientific credentials are moving away from religion, do you care?
I love that he pointed out that she's a girlfriend, not a wife.She should not even know what's going on with his financial business let alone tell him what to do with his own money.
@@anonymous-bb2dw Well sorry to burst your bubble but under the law as long as she's not married she has absolutely no right to his money or the property he will buy!
@@anonymous-bb2dw It's not only in America, It's the same in many European countries! Why on earth would she have rights to his own money?? On what ground? Especially if they don't even have children.
@@nyc4233 I just said it, if you're together with someone for a period of time, living together, sharing expenses, sharing a house, the law will see it as an union and therefore you have rights. you don't need a piece of paper for that, thank god I'm not from Europe either!
Dave, I’m from the same mind set. PAY THE FUC7ER OFF! We just did , a 30 year mortgage in 7 years. Just waiting on the deed from the town. What a great feeling.
I get the whole, don't buy a house until you're married thing. But you would logically pick the place out when you're engaged, and Dave always ignores that likely scenario.
I knew she was wrong when she said " Boyfriend" When my husband gets a bonus from work, he tells me nothing! She's lucky he even told her! IT'S HIS MONEY!
How she talks as if she has rights to this settlement and the decision making on it as merely a Girlfriend is very telling of this generation. Marriage is simply an after thought for so many unfortunately.
Correct response! A boyfriend / girlfriend relationship does not equal ownership of assets. He needs to decide what he wants to do with the money. This confuses a lot of people these days.
Attorney here. There are foolish young people (mainly men) who do pay for the house and do put the name of the girlfriend (not wife) on the deed. The trouble can take years to unwind.
There are lots of people who are not interested in marriage and don't believe in marriage but are together for life. You sound extremely stupid and ignorant.
"He wants to buy a house full, but I prefer him to make a huge downpayment but still get a mortgage, so when I divorce him after we get married, I can claim half of the house for myself because I was helping out paying the mortgage."
In the vast majority of states, the house becomes a marital asset anyway. Mathematically, it’s better to take a mortgage than to lock all of your money up in home’s equity.
@@kungfoochicken08 thats not true 😂 a house you bought before marriage is not a marrital asset, the amount it went up in value during the marriage is, you have no clue what ur talking about
@@ammar3094 The guidelines vary by state and it’s ultimately up to the judge. In most states, if you’re married for a significant amount of time, the home will become commingled and turn into a marital asset. To keep it separate, you’d have to keep paying the mortgage and PITI out of a separate account that only you contribute to, as well as make repairs out of that account. This isn’t what happens in most cases. A typical case will look something like this: you own the home for a year or two before you get married, during that time, she’s contributing to household expenses. You guys get married and pay bills for the home out of a joint account for 10 years. The wife wants a divorce, then the husband thinks the home belongs to him because he bought it before they were married. Very few people have a household budget, much less the discipline to keep separate accounts and prevent commingling.
@@ammar3094littlerally just went through a divorce in the Uk and you are wrong after 4-6 years of marriage it starts to become as one! I Litterslly just went through this scam before you refuse to believe me
If it’s a mistake for him to tell her about the money, he shouldn’t be dating her, and he ESPECIALLY shouldn’t be considering buying a house with her. Either she is wife material or she isn’t.
@@spencergsmith I agree completely, she is already spending his money in her head and they aren’t even engaged (if they were she would have said fiancé, not boyfriend). Flip the genders and the “right” answer becomes abundantly clear. Imagine a guy calling in: “My girlfriend makes a lot more money and I want her to buy a house for us”. 🤣 The audience would be calling him a lazy, good for nothing free rider and telling her to get a “real” man.
I really think she just loves the man and wants to build a future with him. All the men in the comments saying the quiet part out loud. That girlfriends are for sex and not commitment really need to wise up. She needs to break up with him and leave. Because clearly he will not marry her and share resources. Pregnancy can kill you. I almost died this last pregnancy. She should leave. Because he is right it isn't we.
@@kimberlymartin459 she's getting involved in his finances, that's what gold diggers do, unless she doesn't trust him, both massive red flags that end marriges.
@@J040PL7 what if it was his best friend trying to lookout for his best interest... not expecting anything in return.. will he be considered a gold digger?? All his girlfriend was doing was repeating something she heard others say. She didn't have an answer to Dave's questions. That is what happens when you speak of something you really know nothing about.
@kimberlymartin459 well, as a best friend, you'd only talk on what you know, she didn't even know why she wanted to get him into debt. I've never had a friend randomly trying to get me into debt for no apparent reason, so I don't know what to say 🤣 So yeah, you question doesn't really make sense.
Had to. She's calling because she doesn't want to give away "their" big lump of cash to spend on trips and clothes. Hi yes my boyfriend can afford something in full but instead should he pay someone to borrow their money so he can hold on to his? 🤔
He didn’t. If she gets a mortgage they are equal owners if the guy puts the cash down which she did not want it make it his house. She was not called out the old guy missed the point.
@tomislavrac717 Watch the video again. It sounds like she simply asked for advice on what would be best. She's probably only knows people who have gotten mortgages so she feels like that is more normal than paying in full.
Much safer for him to buy the home outright. As a premarital asset it would be hus alone in the event it's divorce. Particularly if he paid the homeowners insurancevand taxes from a separate bank account. She would not be entitled to it post divorce. So yes absolutely the smart thing for him to do.
My ex was PISSED tf off (single mom of 2 and narcissistic) that i accepted my grandpas offer, a 2 bedroom 1 bathroom house nothing fancy a fixer upper for sure, he called me and basically said i can sell the house to the bank today for $14.5k, or we hash out a payment plan and i sell you the house for $10k...of COURSE i took the offer (pre covid) than when she got wind of it, she bitched me out and i said "what if we dont work out say 5 months down the road, and you kick me out...im homeless...i cant be having that BS" 3 months later found out she was cheating on me, and i literally said NOTHING, packed all my shit into my crown vic (dressers lazy boy, whole nine yards did it in one trip) left her key on the welcome mat and drove away...and after her trying to text over 100 times, i sent a screenshot of her nasty text to another guy and than every message after that i hit her with the old "the person you are trying to contact is no longer in service" texts...long story short...dont fall for these hos, focus on you kings
I went through a divorce. Had the house paid off and kept it because it was before marriage. She fought for it. Instead, I gave her a car and some expenses to pay for first few months of rent, lol. Now I can sell it and make 4x the amount I paid for. Or I'll just rent the house. If it wasn't an ugly divorce I'd have given much more. - Much happier with a GF that is supportive of my business projects, hobbies and damn the intimacy for over 4 years now. Couldn't be happier. You sound happy too so I salute you!
Thank you, Dave. There is no judgment of this this young woman! I worked with a registered nurse who purchased a house with her lawyer, boyfriend, about 40 years ago. Long story short, the boyfriend knew exactly what he was doing. He married someone else ,and she had invested thousands of $,into their home 🏡.
If he decuesed it with her she is there in his mind for the long haul. my daughter and significant other have a home together. It worried me at first until I found out it is paid off.
EXACTLY. The problems can go both ways. If she’s paying into it, being wifey, cooking and cleaning for him, then he breaks up with her, she’s got nothing. Hopefully she doesn’t have kids with him.
The entitlement and audacity it took for her to think she had any say so in such a huge decision is mind blowing. I hope this guy never married her and if he did, PRENUP!!!
They obviously live together and are looking together at houses to make a purchase and live together in the house... So I dont find it extravagant to discuss the house financement together as a couple ? Provided she doesn't take his money for granted, but there were no red flags in what she said - all in all, she is basically suggesting they split the purchase between the two of them (he makes a down paiement for half the house and she takes a mortgage on the other half) ; which is not a horrible-gold-digger plan in my book. I would find it mind blowing if she had no say at all in such a matter. That said, you are right about prenup, it never hurts.
Oh, I think she is truly thinking it through and in advance, way ahead of her boyfriend. She wants his money to pay for house upon which he will put both of their names on the deed. Less than a 100% non payment will allow her to get a bigger house.
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
Love how the gf is already figuring out how to spend his money
Imagine being with someone for 8 years and you’re not married
Edit: All you freaks(
@@wyatt_baker_were they together for 8 years. I dont believe the clip mentions it.
@@clark4312 nah this dude capping about the 8 year relationship and the gf obviously wants to spend his money because it’s too dumb to get a mortgage so the bank interest you and you pay more
Facts bruh😂😂😂
Dave called her out for sure, although, putting let’s say $400k into dividend ETF will net you about $20k a year assuming a 5% return; + compounding every year.
Loved how he cut her off right away. “ There’s no we “
I have no idea what she's thinking but she is asking a question and I'm hoping he can say why paying in full is better. I'm not paying off my mortgage because I can make more interest from investing. My interest rate for my house is 2.8 so it's pretty easy to make more money than what the interest payment is. No one wants a mortgage but that's why I justify mine
👏🏼👏🏼👏🏼 He said exactly what I was thinking. I'll ask my boyfriend his opinion on if I should buy this or buy that... Sometimes he agrees the purchase is necessary and sometimes he gives me an alternative solution....At the end of.the day...I value his opinion, but there's no "we" when it comes to my money and no "we" when it comes to "his" money.... opinions and thoughts are valued on each side but we do as we please.
She wants cash to steal in addition to the house
Get rid of her
Common Ramsey W
She totally wants him to save it until she can get her hands on it…
RUN DUDE, RUN!!
rule n.1: never tell your girlfriend you are getting 500k
Amen - exactly correct
Unless you’re getting $1.5M 😂
@@trotsky1780😂
You don't know their situation. If they live together for say 15 years and want to buy a house, one spouse needs to tell the other one.😂😂😂
Never tell your wife, inheritance or gift in your name only is not marital property and you’d be a fool to throw that into joint account. I DONT CARE if you have the greatest marriage in history. Sure you can move money from that to marital accounts but keep the gift seperate. You have to protect yourself
I’m so happy he said what he said without hesitation! I genuinely do not understand calling regarding your boyfriends finances like this , that’s his money
Yes id like to hear the entire call to see if their is any extenuating circumstances such as she says her boyfriend asked her to call Dave cause he was too busy or they recently discussed marriage and about to be engaged at least or even how long they have been dating. I'm assuming that they are living together now n renting something. I'm not saying this changes anything about what the best financial decision is which is the reason for her call but it might put the reason that she thinks it's even appropriate to have a day let alone call especially when it is his money, they are not married n it's not even like he's making a terrible decision. I'm not saying as a serious girlfriend dating someone I love n hope to marry who has said the same that I wouldn't now feel perhaps not entitled but certainly feeling I may be hooking my star to someone I'd want to prevent a big mistake if I could. That may be a tendency we have that we have to resist however. Let's assume she met him a month of two ago and he is telling her today that he is receiving settlement soon and going to buy a house cash I'm sure she wouldn't have to much to say about it. Would she question why this was a good or bad decision? Let's say she met him a month or so after he bought the house would this at all be her concern or would she just be happy she found a man she is fond of and vice versa who at least seems to be in a decent financial situation as opposed to a.complete deadbeat or someone really struggling and living with Mom n Dad like many.. Sometimes people look a gift horse in the mouth n go looking for problems when there aren't any. I would caution her about this tendency which can impact any possible marriage or child rearing.
@@mkelly4042totally irrelevant until legally married.
Aren't they a team... what's mine is hers and what's hers is mine, simple
@@one-to-one-rationo. that’s what a marriage is
@@one-to-one-ratiothat only applies to when you are married. If I was dating someone for 1 year or really doesn’t matter how long I would never put my girlfriend on it because what happens when he breaks up or something happens and you the try and get half the house which you paid nothing for. So it should be split until they get married to have some sort of insurance if I was him
After she hung up, she acted like the call never happened
😂
Nope .. she's too controlling for that 😮
and then she called a wedding planner.
It's at 444 likes and I don't want to ruin it, so this is my like 👍
nah fr lol
I bet she didn't tell him nothing about the call.
He knows now lol😂
@@truegrizzlesfan2292she unsubscribed him from all Dave's channels
I highly doubt it. There’s no way this women, with clearly no financial reason called on her own fruition. Their was an argument between her and her boyfriend about the money and he probably said “call Dave Ramsey and he’ll prove I’m right”
She didn’t sound condescending tho. If she was like that she wouldn’t have called in. My thought is she wanted a mortgage so she could help pay the mortgage and not feel like she was living in his house. If she was a gold digger she would have kept quiet until the right time.
I bet her name will be on the title to the house too. If she’s making calls like this about HIS finances then I’m guessing he’s a pushover.
I dated a woman that sounded just like this. “Dated” is important. Younger men, if you are not married, your finances are yours and no one else’s. Do not get trapped.
Exactly, lock in and stay focused 🙏
Yep. I was "dating" a man when I got a large settlement. I was careful not to let him put his name on any bills. My three kids and I needed the protection against anyone trying to sneak in on it, and my gut instinct was correct when he became abusive.... Whew! I dodged a bullet.
@@bcc7777I made this mistake with my kids dad. My dad had passed away right before we met so I received a large inheritance. All the money was gone in a year... That was over 10 years ago and not a day goes by that I don't kick myself for being so slow.
@@bcc7777 I want to know ur experience in an abusive relationship, if yu don’t mind. I can’t tell if ur a woman or a man but regardless I’ve been in one myself and they dumped me a few months ago. It’s scarred me so bad what this girls did to me that I struggle to do my day to day living and I have literal panic attacks when thinking about her or anything even close to her. Along with breakdowns nd sobbing randomly. She used to smack me…a lot. Then gaslight me tht “abuse is a serious accusation” nd she’s not abusing me. I poked her a** once playfully nd she was like stop so I poked it again like ANY BF WOULD rii? She b**** smacked me nd it brought a tear into my eye. Looked me dead in my face nd said “I did tell yu to stop.” Then would turn around nd say how much she loved me nd how much I meant to her nd how she’d never leave me. She was seriously a sick f*****g individual. I’m asking for ur experience because ur probably older than me seeing as how I’m barely in college right now and yes an abusive relationship while barely being an adult is REALLY CRAZY but stuff happens 😢
@@bcc7777 if yu don’t mind sharing yk, I’m js curious because I went thru the same nd it was both physical ND emotional nd it follows me around to this day. I can’t even look at girls the same. Barely get an e******n when I watch p*** or see a pretty girl. I js feel so broken inside nd cold nd heartless nd betrayed. Nd most of all js hurt.
_”We’re looking to buy OUR first home”_
Dave went from 😒 to 😳
😂
She should not be involved at all. Not her house and not her money
What's yours is hers, and whats hers is hers.
@@jaclrossrick6327Legally. They. Are. Not. Married.
@@jaclrossrick6327never heard anybody say this with a smile tho
when married, not prior you simp.
Exactly
I’m glad Dave actually tells people the truth and the stuff they need to hear.
@@jarrettadkins9698 the number of responsible men he would know absolutely crippled by divorce and women like this would be rediculous
You see how he listened and then asked her why? Then threw in the... It's his😂
The other host will be sitting there telling the reasons why not and wasting alot of time...
Unfortunately, the boyfriend, who REALLY needed to hear that, was not on the phone call.....poor guy she's gonna take him for everything. She didn't want him to spend all his money on the house because it would only be in his name and as his girlfriend she would have no claim to it. Large cash amounts, however, can be spent on things in her name like cars, jewellery, trips, clothing etc....GOLD DIGGER comes to mind lol
@@screamoguy100The woman was right though. It's dumb to buy the house outright with cash. With that kind of money you can put a nice down payment on. Get a good interest rate and invest the rest of the money, which is going to make you more. There's no reason to pay it outright if you get a good rate.
@@Maybe_Tom_Cruisea good rate? Do u realise how the banking system actually works? The interest he pays on the mortgage will be double what he gets on his savings! Learn the banking system. Mortgages are for dumbos! Only get a mortgage on a house u have as an investment.
I LOVE how he answered her! It isnt her money & he really made it clear that this is his money NOT hers. He should be calling/ involved in this, not her
Pluss she wants to get him into debt for decades too 😂
He'd get the same response. HE should not buy a house with someone he's not legally intertwined with. This is sound advice for anyone and everyone.
@@J040PL7If he had any sense he would if he can get a good rate. That money would make a lot more invested than he's losing on interest.
@@J040PL7so that he has change to spend on things she wants
She's a thief get rid of her immediately
If he wants to buy the house outright that's his choice, and it's a smart one. No banks involved, no debt, no high interest rates on the mortgage loan, no fees tacked onto the loan for paperwork, filing, and blah, blah, blah. My parents paid off their second home in 15-years by refinancing to double their mortgage payment. They were both working in really good jobs and could afford to do that. They sold that home once they paid it off, moved out of state and paid for their next house outright. No worries beyond utilities, regular maintenance, and property taxes. There is an enormous peace of mind that comes with living in a home that's completely paid off.
I think this woman wants some of that settlement money imho. Red flag!
The fact that so many women do this and sleep with a clear conscience every night deeply enrages me. Evil will not prevail, they will get their karma eventually.
Abaolutely. If she can get him to have a loan on part of the value; she can help him make the payments, whiich seems generous; but is a strategy to comingle funds, so that she can lay claim to some or all of the house; a power she doesn't have, if he uses his money soly for and payments and or repairs.
"My boyfriend is getting a settlement" quickly turned into "WE are buying our first house"
He'll regret it if he listens to her.
Because they were gonna get a house together anyway?
Well if the boyfriend is making demands to buy a house in cash then it’s safe to say he wants a house too.
@@Cravendale98that's the problem innit? It's funny how the further people go away from traditional values like God and Marriage the more fuked society gets.
@@jpatt85what does god and marriage and traditional values (assuming you're not talking about same sex marriage) have to do with wanting to share your finances with your significant other? 💀
Not even married. Not even her money. Yet she’s the one calling Dave hahaha
Women ☕️
Even if they're married, he has the final say
@@kingfx-ru5gfno, if you’re married you have to make decisions together otherwise why get married at all. My husband has equal decisions in the money I make, I have equal decisions in the money he makes.
That's because he knows what he wants to do which is buy a home with cash and no mortgage paying interest to a bank. She is thinking more along the lines of we both own it have both our names on the mortgage and then overtime use the inheritance on improvements on the house
Marriage doesn't mean that much for some couple
Buy the house, lose the girl.
Win Win!
Bingo!
So you don’t want a wife that has her own opinions and is being smart about it. This woman could very well just try to inform herself to support her boyfriend as best as possible. She called into a financial expert to get an opinion on their situation…
She never said that she wouldn’t let him do whatever with his money, she was very humble about it… she said she isn’t sure.
Just because they aren’t married, doesn’t mean their partnership is any less worthy of being a partnership… I would argue she would make a great wife, because she is trying to be informed and support her partner the best way possible.
She clearly stated, he is getting a settlement… but since they are a couple, he isn’t single… they are buying a house… that doesn’t mean her name is on it…, but they are a couple and as that they are picking a house. If he doesn’t take her opinion into account on that decision, then he would be a bad partner (or no partner at all and should actually break up with her) because he is making a longterm decision with his longterm partner…
It’s always a give and take and the host was rather rude assuming she needed to be told that it’s not her money… she knows. That’s why she stated it that way.
@@sarahgirard1405hahahaha someone got offended... Anyone with a right mind could tell what she wants here, especially as he said, she wants a mortgage so "they" don't give away too much money, she wants to spend some on herself.
@@sarahgirard1405please shut your trap
@@krejziks3398 A lot of us are offended by stupidity.
“We’re looking to buy our first home.” is a classic. She picks a house and he buys it. From his own earnings. Then they get married and he will loose half once she decides she is suddenly not happy.
sounds like a win win for her
It's free real estate
So never get married?
@@amirzynn7027 not if you plan on becoming rich.
Yep. That sucks bad
"We are looking to buy our first home" it's his money 💰
One of the few times Ramsey made me laugh, he's right now and I'm sure that girl didn't like it
He better find a new gf.
Red flag 🚩
half the equity will be hers when she cosigns on that mortgage she wants him to take... after she decided to bail in a year .. if he pays for it with no mortgage he probably smart enough to not put a girlfriend name on the mortgage
"There is no WE." A very wise statement.
I'm so Happy he set her straight.... NO WE!
She’s like no don’t spend it all on the house I want some shopping money 😂
Exactly.
That is 100% why
Ding ding ding
Yep, she's coming into it.
That's exactly it......they are fkn evil
Tipical woman...getting involved in bf bizz...salute this man for putting it on right track.
pretty sure hee involved her in his plans but okay lol
She even slipped up and said “I’m debating what to do with the money”
That's how they be. Look at her so excited she's telling the whole world. Probably made her guy a huge mark in their social circle.
@@codeninja100??? No? Nobody talks about their partners in “social circles”. Also I would invest at least half of it.
I’d invest it elsewhere. 100k into the property and 400k in investments.
@@potato1084A house is an investment. That’s why people “invest” in real estate
She loves money!😂 they all do!
Never ever buy a house with someone you’re not married to.
She is not even engaged 😂.
He can buy it himself but absolutely do not put her on the title until they are married
Why?
Separate question why not just buy a house yourself in a supercheap area because I’ve known couples that buy a house together and they get divorced and can’t afford another house, so they live together, even though they’re separated, because they got married partially out of convenience
I did, 15 years ago. Worked out great
I like that he said this with conviction but not rudely. It’s refreshing
👍💯
The little "mmm hmm" at the very end was fabulous.
“I’m not sure.”
No you’re not. You know exactly what you’re doing, lady.
Exactly
Love the Profile pic btw
Never let the tax dog wag the tail.....
Yep, and if he buys it out right then she gets no part of the house when she divorces him. She has shown her true colors and he needs to cut her loose. She has all kinda plans to ruin and manipulate his life and take his money.
She's wanting to see the short term benefit of that money, for sure.
if he puts all the money in the house she won’t be able to go shopping, go on a vacation, get a new car, etc etc
She didn't like that answer at all. Her tone changed real quick
They never do
And if that guy had any sense he'd be thinking that way,sethakira.
“Mhm”
Because it’s a pretty dumb answer. If they are planning on buying a house together they need to be getting married or breaking up.
@@nightterrors6262 but they’re not buying a house together. He’s buying a house. She’s along for the ride
The dude has ZERO IDEA she's making this call!
Dude. RUN.
She is helping him though. Mortgage with house as collateral has a lower interest rate than the annual return on SP500 ETFs. This guy is a clown and shouldn’t give finanxial advice
Yep. The whole point of a mortgage is to use that house as collateral in a few years to continue to buy properties. @@Gugnar678
@@Gugnar678He asks her why she wants a mortgage twice, and he states that it's his money and not theirs.
Could be me, but I didn't hear any financial advice
@@Gugnar678 it is good to get a mortgage with a wife, not a girlfriend and it’s his money because they are not married. The only reason she wants to get the mortgage is because that way if they divorce, she can get the house and probably half of the settlement.
@@OA1998. hopefully he just made up the whole thing.
Love the way she included herself 😂
We should take a mortgage we…
When it’s actually only him 😂.
She said so little yet raised so many red flags....
She also kept interrupting Dave instead of letting him talk. Hopefully the boyfriend saw this video and did something
For a boyfriend or girlfriend to buy a house, solo, while in exclusively dating is a redflag and an insult.
He could just wait a few more months to see if she's marriage material. Propose. Then go house hunting together. So he is saying bluntly that he is dating her but not considering marrying her. Or he is not willing to share important decisions with others.
If you are going to buy a house while single, be completely single. Or just wait a year to make an informed decision.
@@kathyp1563nope. We don’t know how long they’ve been together. It could have been 6 months for all we know. Statistically, it’s not wise to marry someone within the first 2 years of dating. She shouldn’t be moving in with him and she shouldn’t have any weight on his house buying.
I love that Ramsey just told her that " THERE IS NO WE, YOU'RE NOT MARRIED" 💥💥👏🏼👏🏼
I don’t love that at all. They are still in a relationship, a partnership. And she is doing something very admirable. Getting an opinion from an expert… I think she is very much wife material for that. She never stated it’s her or their money. She clearly stated he is getting the settlement… but they are buying a house, because she is his partner. If he wants to be alone and live only as he wants to, then he needs to break up with her… a House is a Long term commitment, that your long term committed partner should have some say in…
@sarahgirard1405 wohh girl. Stop. Full stop. Men are allowed to date women before marrying them. But, in zero possible terms does that make the women a partner. Only after 2 become 1 through marriage does the word partner happen. I think you are manipulating the phone call into your own desires and that is witchcraft. Dont. 😮
@@sarahgirard1405No getting a mortgage means money to fritter away on nonsense
Buying a house cash is better . They are not married. It is his money .
@@savinggift158 you are assuming that he isn’t going to do ANYTHING else with the money. Other experts in the field also choose to have a mortgage eventhough they have the cash…. Example Graham Stephan.
Her question is valid. Your interpretation is purely assumptions.
@@sarahgirard1405 I get what you’re trying to say but understand Dave is not just trying to demean her by saying that. It’s a genuinely good point of advice
That's such a neat little detail, would've gone right over my head had he not pointed it out. She was speaking like they were already married.
She wants her name on his house that’s why. She knows what she is doing. Run if he is listening.
How have u got this from this video 😂 if a couple a together and one of them have the money to buy the house I think as a couple it would be there home as they both live there
Na bro just happened to someone i know she convinced him to buy a house to rent out to people. She left and f**** him big time. She was on the deed and everything.@@reecehook5847
Naw if your not married doing THIS with a gf or bf it'll be your downfall like
@@reecehook5847marriage offers protections dating does notttt
@reecehook5847 yah until they break up then the gf gotta kick rocks, unless, they get a mortgage like she wants & she signed on it, so regardless is she doesn't pay she's still financially responsible as being signed on so it's also legally hers too
This is her wanting to spend that money instead of him having a house in his name.
Inheritance is safe. If he buys the house with it, he can protect it. If "they" mortgage, she surely will get half in a divorce.
Rather than have a average house paid off, she wants a massive house and he will be the one stuck with the bull for 30 years.
@@howie6666no idiot, debt financing is cheaper than equity financing. Interest rate (especially with house as collateral) os lower than return on investment from SP500 index fund. This guy is a clown and shouldnt give financial advice
Exactly, if he owns this house in his name only and it’s paid off before they get married she may not be entitled to the house if they get divorced. I owned a home and had a lot of equity in it before I met my ex wife. When we got married we sold the house in my name, put 20 percent down on a new home(mortgage in only my name, but deed in both of ours) within 1.5 years my ex wife moved out, left me with every bill we had as a married couple. She started a whole new life. Boyfriend, apartment, the whole bit. At divorce time she was entitled to 50 percent of everything. 401k profits during the time we were married, 50 percent of my paid off car, and 50 percent of the house. My lawyer said if I owned the house before her the house would have been a different story. This chick is not marriage material. Who is couldn’t want a paid off home?
bingo!!
Good on Dave for putting her in check
She is simply a TAKER! Thank you.
😂 He set her up..."call Dave and ask, he is an expert in finance". Well done dude.
Him: 😈😈😈
Not well done. He shouldn't be playing games with himself. He should have kept quiet actually. This is why poor people stay poor.
He’s right it’s not both of your decisions it’s his decision
Imagine having a partner who can pay cash for a home and you’re complaining
It's objectively a poor decision to dump that much cash into real estate. Put down a big down-payment if you want, but finance some of it and invest the rest into safer, more reliable assets that will grow at faster rates than your debt.
Real estate is risky and should not make up a substantial portion of someone's net worth.
@@det_tf2
Getting loans is risky.
@@det_tf2some of the worst advice ive ever seen someone give.
@det_tf2 I don't have a mortgage and with that i also don't have the stress that comes with a mortgage. Doesn't matter if you play with the numbers and make it somehow more profitable to take on more risk and more stress
@@PInk77W1getting a fixed rate loan… if you have enough to pay off the principal, you’re 100% fine as long as you park the rest in an index fund
Thats why I love this man's show. He corrects her with her audacity to say we... I hope this guy gets rid of her for putting his business on the air.
"My responsible boyfriend wants to do something smart with a bunch of money and I can't get him to make a bad decision with his money. Please help me derail this stranger's financial future."
Not what she said, but go off.
Facts!! Well said 💯
@@kbanghartexactly what she said!! 😂😂
@@jha0024 explain
@@kbanghartit’s damn close enough. Woman ruined everything money involved
She wants a mortgage to ramp up the lifestyle on the rest until it's gone. That's why she wants a mortgage.
It aint hers she aint married
It's not her money, she doesn't get a vote.
@@TopShot501st She has something he's willing to pay steep tax on indefinitely. It'll be hers in time.
💯 correct
Bingo. Agreed 100%.
He gains large sum of money, she says "our money"
He loses large sum of money, she says "bye"
With a few changes, this could be song lyrics.
I had a conversation with a buddy of mine who claimed that marriage is just a piece of paper. I said sure, you can view it that way, but it's an IMPORTANT piece of paper. Without it, legally, there's no WE.
You might want to reconsider your statement..common law marriage exists 100 percent and can have the same rights as a legal marriage.
@@truthhearit1471 Currently, only Colorado, District of Columbia, Iowa, Kansas, Montana, Rhode Island, South Carolina, Texas, and Utah recognize common law marriage. A few other states, including Georgia, Idaho, New Hampshire, Oklahoma, Ohio, and Pennsylvania may retroactively recognize a common law marriage if you and your spouse satisfied the requirements before the state banned it.
@@clifton6919 Correct. Thank God if you don't live in these states.
Just living in sin.
@@jesuschristlives2724 Do you realise it's 2024 and people take trips to space for fun?
I was thinking the exact same thing. Gold digger. She found out about his money on the way and now she’s nesting getting comfortable like ‘she’ hit the jackpot. There is equality now. Women can pay most of their way.
He just got my respect with his answer. Sometimes people don't know their place. 😮
He's definitely going to marry her and lose all his wealth once she cheats if he's telling her about his money and asking for advice
Yes you are right women don't know their place...
@asap9224 It doesn't matter whether the caller is male or female, the same advice applies.
@@robinhollenbeck367 I agree, hence why I said some people.
Yes
LOL. Right when she said “we” want to buy our first house, his head shot to the left quickly. LOL
Well she put a leash on him quick😂 dumb guy doesn’t realize what’s coming.
Dave: Why do you want a freaking mortgage?
Her actual response: How the hell am i supposed to get my name on the house even though hes gonna be the one paying.
Hes going to marry her after he geys his settlement and buys his house so she cant divorce and claim half in 6 months
@@TheAnnoyingBossgetting married is a dumb way to avoid her staying the money. He can tell her F off soon as he gets it if she starts acting weird
haha good point. but im sure its just becsuse she wants spending money
👍💯💯💯
Why would you want a mortgage is a really weird question for a financial adviser, rich people always take mortgages over liquidating assets
I got the same impression when she said our home. He hit her with reality.
If she didnt expect that responce she's never watched Ramsey.
I was waiting for that response. He was rather nice about it.
Exactly
Run.
She already feels entitled to his money and is questioning how he uses HIS money...
I didn't hear the entire conversation. Do we know how long they have been together? My wife and I have been together for 18 years. We've been married for 7.
@@Bassude If the positions were opposite and she wasn't questioning the mortgage but telling him to buy it outright, she'd be giving good advice.
I think people in bf/gf relationships are in a situation where they are at least invested in the other person's future and therefore have a stake in that person's decisions. It's essentially the interview for marriage. It's more about her desire begin a bad financial decision and she clearly like everyone else thinking this, she wants to use some of that money irresponsibly.
Yes, it's his decision. If he were the one wanting to water the money she'd be right in telling him to buy it no mortgage.
Which is where I was 20 years ago with my ex husband. He'd never have had to work again if he'd just have listened, but I didn't press because it was his money his decision, it was only my decision to marry or not.
Male or female, money holder or not if someone is being financially irresponsible, you should take notice and be concerned about tying yourself to that person.
She wants him to go into debt - check
She wants to use the remainder of the down payment on herself - check
Note to the guy - RUN!!!
turns your money into half after amortization… she’s that stupid to look for support in this debate
she wants to spend the money so she can move on to the next guy.
Isn't it much easier to take half the house if it isn't paid off if they get married?
@@joselopez-he1mc
No...
Indeed
He figured out pretty damn quickly why she didn't want him buying the house outright. Based.
I hope the BF listens and realizes he need to run. Lol
Fast.
I don’t think so, she realized what she did and realized she was wrong. Are we going to dismiss every body that makes an assumption and then realizes they’re wrong? She did the right thing calling in to get the best advice and admitted yeah they’re not married and she shouldn’t be coming into this. Idk that’s my perspective of it at least
You actually believe boyfriend will get the warning.
She has her hand in his pants. She has a hand kn the steering wheel...not knowing how to drive or where they going to start.
@@JTrysyou heard that from her voice? Strange how many of us heard the exact opposite...she didn't learn shit except to shut up about her plans.
"There is no we" is politely saying and in short for "get your ass off his huge lump of money"
Totally. That is the only reason she is scheming to get him only pay in part. What a gold digger@j.elington1483
@j.elington1483 if he has any sense he'll do just that
😂😂😂
You set her straight 🫡😂
🫡
Rudely 'set her straight'. 😮💨
The man is crass.
@@bffentertainment7848why you mad
@@RichyLucchshe's the caller
ah found the woman who feels entitled to her mans money@@bffentertainment7848
Absolutely! I hope my son would realise this if he's ever in this situation
What I like about this man. He is telling the truth. And very direct, which that’s what people need this days. Thank God I see a honest man once again.
Girlfriends and Boyfriends can be serious enough to talk and be involved in each other’s finances as advisors and future life-partners, so I do think it’s cool to have her involved. But yes, her authority is extremely limited in having no contractual obligations to her partner or the money he’s receiving for the house.
Attorney here This little operator will be pushing for a name on the deed. Notice said "we are planning to buy a house." There is no doubt in my mind she intends to be on the deed. If it were just him on the deed she would have said "I am calling for my boyfriend, he plans on buying a house." No this little number is thinking ahead, way ahead of her boyfriend.
Boyfriends and girlfriend is not a marital status
Never tell ANYONE you're getting lump other than married partner.
Even married couples..
Well said. She's already looking for ways to control HIS MONEY
She's real Disingenuous. She knows exactly why she wants the mortgage.
#1. She wants her name put on the mortgage because with a prenup that would be a Premarital asset that she cant touch.
#2. She wants to spend some of that money for herself and with a mortgage he would have alot more money still in the bank rather than dropping Big Money to buy it outright.
Maybe that's her plan, but anyway for women is always win-win situation in divorce. if she assists with expenses from her separate account, the premarital property becomes a marital property...
Thats exactly right. She wants the leverage of having her name on the mortgage and she also wants him to have more money in the bank that she can help spend.
I doubt she's thinking that hard
And you seem to know this as a fact? Love how you were able to write a book in a RUclips comment based on assumption
Nah op is right. Cope harder
She’s probably already living with him for free and him paying off a house 30 years earlier is of no benefit to her. But vacations, expensive gifts, cars, etc before she breaks up with him in a couple years is what she wants.
Hopefully the house is will be in his name only
Facts sir
Exactly
Perfectly said. Run a mile.
I bought my house in cash...no mortgage..... This saved my butt in 2020 when I wasn't able to work because of big "C.V." that year .... My biggest challenge was trying to figure out how to pay the property taxes without a job (any money I made from side jobs was going to utilities, gas, and phone)...luckily my state had a grant to pay property taxes for that year... I applied for the grant, got it, got a job, and moved on and became financially stable again..... meanwhile...my friends were falling months behind on their mortgage payments and were doing everything possible to keep their homes ....
wise decision!
Assets went through the roof during Covid because the fed printed money. Had you invested your mortgage money into any basic index funds you would have made a ton of gains. Would have paid off your mortgage and had extra to live on. You just weren’t able to work during 2020. But had you not paid off your mortgage you would have been setup even better…. Investing is best option because we learned in 2020 that stocks have little correlation to company performance but has more correlation to fed printing money. So….. the fed is going to have to keep printing money till it implodes… which means your assets will continue to appreciate in value.
Meanwhile your mortgage payment is locked in…..
I’m glad you survived though ….. 🤙🏻
You can always borrow HELOC to keep the house afloat. Beats losing it at a sheriff sale. Your friends didn't have that option as they were likely leveraged up the ass.
@@kingtenstudios5870I don't know how things work in the US but in the UK if you had a 25 year mortgage you're just paying off the interest for the first 10 or so years.
That's a lot of interest payments you save if you brought your house outright.
My mate's average mortgage payments are around £1000 per month, over ten years that's £120k just in interest payments.
Why would you do that if you could help it?
I brought my house outright, best thing I ever did.
Thank goodness you brought this up! Truly, investing has changed my perspective on how one can succeed in life; working multiple jobs isn't the optimal way to attain financial freedom and unfortunately, we discover this later in life. Currently earn as much as 50k weekly and this has improved my financial life. Great piece!
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
Do you mind sharing info on the adviser who
assisted you? I'm 39 now and would love to
grow my portfolio and plan my retirement
She's OLIVIA SULLIVAN FINANCIALS . O .r . g
She's OLIVIA SULLIVAN FINANCIALS
she's a known advisor. I actually did look her up curiously and went through her credentials on her webbsite... Top-notch! I wrote her an email, hopefully she's accepting new intakes.
Honestly, I expected that from Dave since he's a man of faith.
Yes but that don't make him no fool either. The academics would like you to believe that all believers are fools meanwhile a lot more scientists are converting
@@dpajc056not true.
What does faith have to do with his response? Sounds more red pilled to me.
@@dpajc056 your response makes you seem insecure, op didnt make the slightest implication of him being a fool. A handful of scientists believing in a god doesnt strengthen your position. I can tell you plenty of ppl who have scientific credentials are moving away from religion, do you care?
Speaking from experience, do not disclose your finances or inheritance. Your money becomes their money if theyre being shady.
They always look for the pot of gold careful men.
I love that he pointed out that she's a girlfriend, not a wife.She should not even know what's going on with his financial business let alone tell him what to do with his own money.
as if you need a piece of paper to be someone's partner
@@anonymous-bb2dw Well sorry to burst your bubble but under the law as long as she's not married she has absolutely no right to his money or the property he will buy!
@@nyc4233 in brazil she does have rights as long as you're together with someone for a period of time, thank god I'm not American!
@@anonymous-bb2dw It's not only in America, It's the same in many European countries! Why on earth would she have rights to his own money?? On what ground? Especially if they don't even have children.
@@nyc4233 I just said it, if you're together with someone for a period of time, living together, sharing expenses, sharing a house, the law will see it as an union and therefore you have rights. you don't need a piece of paper for that, thank god I'm not from Europe either!
Dave, I’m from the same mind set. PAY THE FUC7ER OFF! We just did , a 30 year mortgage in 7 years. Just waiting on the deed from the town. What a great feeling.
Did you see that head snap when she said “we’re looking to buy our first home “ man I knew what was coming next 😂😅
Same.
Made me chuckle 🤭
Hilarious I said the same thing
Me too
I get the whole, don't buy a house until you're married thing.
But you would logically pick the place out when you're engaged, and Dave always ignores that likely scenario.
"He won't be able to buy me a huge engagement ring, big wedding, and fancy car when he puts all of his money into a house"
My future husband better not spend anymore than 1k on a ring. A ring is materialistic.
@@allymiller1 The size of the ring does not make your marriage better or stronger. Good for you.
No she wants to invest the money what is wrong with you people lol
@@CarlMathews-e4q It’s not her money to invest. So it’s none of her business. If she wants to invest she should do it with her own funds.
Invest the money in her packets😂😂😂😂😂
I knew she was wrong when she said " Boyfriend" When my husband gets a bonus from work, he tells me nothing! She's lucky he even told her! IT'S HIS MONEY!
How she talks as if she has rights to this settlement and the decision making on it as merely a Girlfriend is very telling of this generation. Marriage is simply an after thought for so many unfortunately.
Exactly. His money you are not married
Nailed it. She was looking for ‘my spending money’.
Correct response! A boyfriend / girlfriend relationship does not equal ownership of assets. He needs to decide what he wants to do with the money. This confuses a lot of people these days.
Attorney here. There are foolish young people (mainly men) who do pay for the house and do put the name of the girlfriend (not wife) on the deed. The trouble can take years to unwind.
His job, his money, his way to spend it, his house. Absolutely nothing to do with you.
If he’s sleeping with her, he may be manipulating her to think otherwise.
There are lots of people who are not interested in marriage and don't believe in marriage but are together for life. You sound extremely stupid and ignorant.
@@lelamaciolek1166How? She's just a girlfriend at this point
@@lelamaciolek1166You underestimate the female brain
You females always want to make up bs..that doesnt matter!!! Thats not her money@@lelamaciolek1166
"He wants to buy a house full, but I prefer him to make a huge downpayment but still get a mortgage, so when I divorce him after we get married, I can claim half of the house for myself because I was helping out paying the mortgage."
In the vast majority of states, the house becomes a marital asset anyway.
Mathematically, it’s better to take a mortgage than to lock all of your money up in home’s equity.
@@kungfoochicken08 thats not true 😂 a house you bought before marriage is not a marrital asset, the amount it went up in value during the marriage is, you have no clue what ur talking about
@@ammar3094 The guidelines vary by state and it’s ultimately up to the judge. In most states, if you’re married for a significant amount of time, the home will become commingled and turn into a marital asset. To keep it separate, you’d have to keep paying the mortgage and PITI out of a separate account that only you contribute to, as well as make repairs out of that account.
This isn’t what happens in most cases. A typical case will look something like this: you own the home for a year or two before you get married, during that time, she’s contributing to household expenses. You guys get married and pay bills for the home out of a joint account for 10 years. The wife wants a divorce, then the husband thinks the home belongs to him because he bought it before they were married.
Very few people have a household budget, much less the discipline to keep separate accounts and prevent commingling.
@@ammar3094littlerally just went through a divorce in the Uk and you are wrong after 4-6 years of marriage it starts to become as one! I Litterslly just went through this scam before you refuse to believe me
@@ammar3094not always true. I lost mine. 😊l😅
Especially at current interest rates if you have a huge lump sum it's a no brainer to buy cash-only.
After the call: "Baby...do you even love me?"
Brutally honest
“Boyfriend”
His large settlement
“We”
😂😂😂
I’m glad Dave mentioned that. 😊
She is soooo very super super sweet because she answered EXACTLY. That is her amazing sweet character. WOW God blessed her a lot.❤❤love you 🎉
He made the mistake telling her about the money.
She made the mistake thinking it was “we” not “he” when they aren’t married. 😂
Nah cuz hiding that much money from your s/o is gonna cause way more problems down the line. Shes the only one thinkin dumb.
If it’s a mistake for him to tell her about the money, he shouldn’t be dating her, and he ESPECIALLY shouldn’t be considering buying a house with her. Either she is wife material or she isn’t.
@@spencergsmith I agree completely, she is already spending his money in her head and they aren’t even engaged (if they were she would have said fiancé, not boyfriend).
Flip the genders and the “right” answer becomes abundantly clear. Imagine a guy calling in: “My girlfriend makes a lot more money and I want her to buy a house for us”. 🤣
The audience would be calling him a lazy, good for nothing free rider and telling her to get a “real” man.
She's a gold digger.
NEVER, NEVER, NEVER include your girlfriend or boyfriend in large purchases.
It will come back to empty your pockets every time.
I wouldn't say she's a gold digger. But she over step her boundaries calling it in.
I really think she just loves the man and wants to build a future with him. All the men in the comments saying the quiet part out loud. That girlfriends are for sex and not commitment really need to wise up. She needs to break up with him and leave. Because clearly he will not marry her and share resources. Pregnancy can kill you. I almost died this last pregnancy. She should leave. Because he is right it isn't we.
@@kimberlymartin459 she's getting involved in his finances, that's what gold diggers do, unless she doesn't trust him, both massive red flags that end marriges.
@@J040PL7 what if it was his best friend trying to lookout for his best interest... not expecting anything in return.. will he be considered a gold digger??
All his girlfriend was doing was repeating something she heard others say. She didn't have an answer to Dave's questions. That is what happens when you speak of something you really know nothing about.
@kimberlymartin459 well, as a best friend, you'd only talk on what you know, she didn't even know why she wanted to get him into debt.
I've never had a friend randomly trying to get me into debt for no apparent reason, so I don't know what to say 🤣
So yeah, you question doesn't really make sense.
Glad he called her out ❤
Had to. She's calling because she doesn't want to give away "their" big lump of cash to spend on trips and clothes. Hi yes my boyfriend can afford something in full but instead should he pay someone to borrow their money so he can hold on to his? 🤔
He didn’t. If she gets a mortgage they are equal owners if the guy puts the cash down which she did not want it make it his house. She was not called out the old guy missed the point.
She knows what she wants. She will own NOTHING if he buys is upfront, but if they get a mortgage and get divorced later on 50% is hers
She has ulterior motives, that's why. She wants for herself some of that money.
Love it when a 304 gets roasted 😂
That's a financial leach. A mortgage gives HER his house. When they divorce.
How you figure she’s a 304?
@@blessedwifeandmama she is not happy with everything she gets with him, she only wants 💸💸.
He is a surplus.
@tomislavrac717
Watch the video again. It sounds like she simply asked for advice on what would be best. She's probably only knows people who have gotten mortgages so she feels like that is more normal than paying in full.
@@tomislavrac717this is some incel mentality
Much safer for him to buy the home outright. As a premarital asset it would be hus alone in the event it's divorce. Particularly if he paid the homeowners insurancevand taxes from a separate bank account. She would not be entitled to it post divorce. So yes absolutely the smart thing for him to do.
Agreed. He can always borrow against the house.
He’s either really smart or really dumb. Idk
Hes right and the BF is also right. Pay that first house in cash and get rid of his current GF.
If she would be smart , she would help him paying at least half
@@raquelmartinezwester2632 naaa, I wouldn't do the thing if still bf mode
@@raquelmartinezwester2632no… that’s kinda dumb 😂
Why? Just by watching a 30 second clip you think you know everything? I’m willing to bet you’ve never been in a relationship with that attitude.
You're 100% right.
My ex was PISSED tf off (single mom of 2 and narcissistic) that i accepted my grandpas offer, a 2 bedroom 1 bathroom house nothing fancy a fixer upper for sure, he called me and basically said i can sell the house to the bank today for $14.5k, or we hash out a payment plan and i sell you the house for $10k...of COURSE i took the offer (pre covid) than when she got wind of it, she bitched me out and i said "what if we dont work out say 5 months down the road, and you kick me out...im homeless...i cant be having that BS" 3 months later found out she was cheating on me, and i literally said NOTHING, packed all my shit into my crown vic (dressers lazy boy, whole nine yards did it in one trip) left her key on the welcome mat and drove away...and after her trying to text over 100 times, i sent a screenshot of her nasty text to another guy and than every message after that i hit her with the old "the person you are trying to contact is no longer in service" texts...long story short...dont fall for these hos, focus on you kings
Sounds like she won. Free house
@DescendingVelocity I left bro, I didn't marry her lol
I went through a divorce. Had the house paid off and kept it because it was before marriage. She fought for it. Instead, I gave her a car and some expenses to pay for first few months of rent, lol. Now I can sell it and make 4x the amount I paid for. Or I'll just rent the house. If it wasn't an ugly divorce I'd have given much more. - Much happier with a GF that is supportive of my business projects, hobbies and damn the intimacy for over 4 years now. Couldn't be happier. You sound happy too so I salute you!
@@paraflax9198smart man I wouldve done exactly that. You need to get into real estate😂
You left her your house??
Don’t move in with dating partners that guy is going to get screwed
Why not? Seems wild to me to marry someone before living with them
@@_rellorT However if after 2 leases you're still not married somebody's full of shiii.
Don't ever live with somebody unless you're married
Thank you, Dave. There is no judgment of this this young woman! I worked with a registered nurse who purchased a house with her lawyer, boyfriend, about 40 years ago. Long story short, the boyfriend knew exactly what he was doing. He married someone else ,and she had invested thousands of $,into their home 🏡.
If he decuesed it with her she is there in his mind for the long haul. my daughter and significant other have a home together. It worried me at first until I found out it is paid off.
EXACTLY. The problems can go both ways. If she’s paying into it, being wifey, cooking and cleaning for him, then he breaks up with her, she’s got nothing. Hopefully she doesn’t have kids with him.
Whatever happens don't buy that house after getting married, buy it before. You never know the future, so don't risk her getting half
The entitlement and audacity it took for her to think she had any say so in such a huge decision is mind blowing. I hope this guy never married her and if he did, PRENUP!!!
They obviously live together and are looking together at houses to make a purchase and live together in the house...
So I dont find it extravagant to discuss the house financement together as a couple ?
Provided she doesn't take his money for granted, but there were no red flags in what she said - all in all, she is basically suggesting they split the purchase between the two of them (he makes a down paiement for half the house and she takes a mortgage on the other half) ; which is not a horrible-gold-digger plan in my book.
I would find it mind blowing if she had no say at all in such a matter.
That said, you are right about prenup, it never hurts.
She wants a mortgage so theres left over for cars , clothes, trips
Or she could, you know, work and buy those things herself, especially with all the money left over from not having a mortage
And to take half the house
She called thinking she was going to get help to stick it to her boyfriend 😂come to find out she’s just a gold digger
THANK you!! She's clearly not serious because there's no way she thought that through.
Oh, I think she is truly thinking it through and in advance, way ahead of her boyfriend. She wants his money to pay for house upon which he will put both of their names on the deed. Less than a 100% non
payment will allow her to get a bigger house.
“There is no we. There’s a he.” Oh snap. Papa Dave done gave her the business! 😂
Soooooo glad he told her that!! My guy needs to keep his mouth shut 🤐 about HIS money 💰 🤷🏽♀️🤷🏽♀️🤦🏽♀️🤦🏽♀️🤦🏽♀️🤦🏽♀️ ain’t no WE! 😂😂😂😂😂
She cannot take it from him. He is going to acquire a windfall. Lucky for him that man is smart enough to put it into his property.
This is the first video of watching this guy on RUclips; must say, I already love this guy.