For the caller who's Sister was a caregiver for 6 years. Nursing Home cost per month $11,000 x 6 yrs =$792,000. That does not include Supplies, Medications, Transportation to Dr Appts ($400 ea. trip), Doctor Appts etc. The house could have been sold to pay for Mom's care but it wouldn't have covered all the costs and the Estate would have been in the Negative = None of the siblings would get any money. She said each of the 7 sibling would get $80,000 after the sale of the house = house value $560,000. If they sell the house for $560,000, give the Caregiver Sister $300,000 towards her own house they would each still get $43,333.33 which is so much better than nothing. Plus, 6 of the siblings went to live their regular lives while the Caregiver Sister took care of their Mother.
Tom, NO - you've paid for a degree. He is an adult. It is up to him to fund this next degree, even if he decides to borrow the money. He has other options. Why is he even asking you? No matter how much you have set aside for yourselves, it can disappear in a jiffy if you have a medical condition. DO NOT DO IT. You weren't in the discussions so you don't even know what the conversations went like. He can cash flow the degree by going part-time. It's up to HIM now to build his career and make the sacrifices that are needed, not up to you. Continuing to pay for whatever he "needs" to advance in life will set a bad precedent. And even if he has to borrow the money - which the RS people will say is NEVER allowed (even though they had student loan debt) - what he will make as a chemical engineer is one of the highest starting salaries out there. He would certainly be able to pay off a student loan for the extra classes he would need for an engineering degree b/c he already would have many of the courses completed with his chemistry degree.
I love the rudimentary answers. I can always be reminded to be wise and stay on track. It’s all still great information no matter who’s saying it. Thanks Ramsey Show.❤️
In everything give thanks to God. He took what was meant for bad and turned it into a blessing for Shannon and Brooks. I commented to pay the house off bf doing the back yard. I'm glad they made their own decision to do that and now they are debt free a year and half earlier!!! So proud of them. God Bless them. Such a great testimony!!❤
The first caller...If the sister was the sole caregiver without the assistance of the other siblings. They should consider gifting some of their inheritance to her. I reside in NJ, and I have been a caregiver for my 81-year-old mom for the past13 years and it is not for the faint of heart. There has been a lot of sacrifice, but I am working and have some retirement savings. If they gift some inheritance, they could possibly buy a condo outright.
I was thinking the same thing. The sister sacrificed as the main caregiver, now has nowhere to live as the siblings sell the house. She deserves a bigger cut of the sale.
The sister was caretaker for the mom for 6 years. Sounds like she gave up her life for 6 years to take care of the mom. Why aren’t the siblings giving up part of their inheritance to assist her. Jade and George did not look at full picture here. Had the sister not taken care of the mom, it seems entirely possible the house would have been sold long ago and far less dollars available now.
We don't have the whole story, there is probably more family history that clouds this. And That was her choice, you shouldn't expect financial gains because you sacrificed time or money for someone
@@PaulGrime-m5ifair enough. I think it's obvious this sister did not take her of herself financially in the past. They should let her stay in the mother's home and when it sells, she can take her portion and get her own place or start renting and working.
With Matt's call, kind of made it sound like their finances were separate due to trust and mishandling finances. But when you add it all up, it was already separated.
I didn't listen to the whole podcast, so maybe Veterans day was acknowledged later. When George mentioned it was 11/11, I was expecting a recognition of our veterans and maybe a history lesson about "Armistice Day". I was not expecting him declaring it as "Singles Day", which is a Chinese "Hallmark Holiday" and go into a commercial for the Ramsey Store. I mean if you are having a sale on this date, its a much better look ton call to call it a Veterans Day sale, instead of a Singles Day sale.
Couldn’t agree more. The advice is usually not as good. They let some calls go way to long and sometimes compassion is severely lacking, across most of the “Ramsey personalities”.
The problem with that situation is that the six siblings should not get most of the inheritance when that one sister put her life and finances on hold to care for their mother.
If his employer is telling him he needs an engineering degree then they should have a program where they pay partial if not all of it and he goes nights
At the 32 minute mark George does say Happy Veteran's Day after a veteran's call in. It sounded like he forgot then casually threw it in. Oops, I'm not cancelling George, just a mistake imo
I love your show and almost always agree with the advice you give. But today, George and Jade utterly missed the point in the first call regarding the woman who called about her sister who had been the caretaker for her mother for six years, had started her pension early, and now has no money to buy a house. Why should her mother’s house be deeded to her six siblings when she was the one who put her life on hold to care for her mother? It seems to me that those six siblings owe her not only a debt of gratitude, but perhaps a decent portion that they will receive from the mother’s house. Or maybe she should just inherit the house by herself. I was very disappointed that you missed that detail.
I think you're looking at this in a vacuum and clearly there is more to this story. She probably had financial issues in the past (hence why she had nothing saved). She can survive on her portion of the sell and get a job, rent or buy a cheap house.
I disagree based on the limited info that we have. We don’t know that the “caretaker” sister didn’t only move in to “take care” of the mother just to get free rent. Im not trying to be ugly but we don’t have all of the info and I disagree that the other siblings should have to pay the “caretaker” sibling anything based on the info that we have. I think George and jade were spot on.
He has to let the other personalities shine a lot more these days so when that time comes for Rachel to inherit the show we will be already sort of used to not seeing Dave
Love Jade! Love Ramsey but George makes me sad, I did not finish the show. He is too abrasive. Lady should not buy her sister a home sure, but to go after the sisters pets when she just lost her Mom. Dave feels like my favorite Uncle, but George I cannot watch. 3rd time I have heard him come after pets and old ladies.
Because he's very quick witted and intelligent with personal finances. Not everyone has to be overly compassionate because someone has problems. You don't need to coddle adults that have made poor decision after decision.
The hosts need to update their info, unless this is a repeat. They have the age for RMDs wrong, it’s age 75 for some people, and gift tax exemption is higher too.
Electrical, the breaker for the house somehow caught on fire and since we had an unfinished garage and exposed wood it got onto that. We did have a mouse problem so I just tell my friends a mouse bit some wires and then our house caught on fire. Hope this answers your question
3rd call I think.? You make 180,000 a year with no house payment. You can afford 2 years of college for the son. Still not obligated, but it’s not an “ummm” question.
While you could afford to pay for his full ride, I know it is beneficial for them to sweat a bit and live on their own. Rent, utilities, how to do laundry, clean and cook for himself. Car repairs, insurance, cell phone, etc. Now is the time for him to stumble and you catch his fall. Teach budgeting and life skills so he will learn to be a responsible and prosperous adult.
So wrong, she’s walked the walk, is married, has kids, she gets what the callers are worried about or don’t know what they should be worried about. Love the shows with her and Rachel the best!
For the caller who's Sister was a caregiver for 6 years. Nursing Home cost per month $11,000 x 6 yrs =$792,000. That does not include Supplies, Medications, Transportation to Dr Appts ($400 ea. trip), Doctor Appts etc. The house could have been sold to pay for Mom's care but it wouldn't have covered all the costs and the Estate would have been in the Negative = None of the siblings would get any money. She said each of the 7 sibling would get $80,000 after the sale of the house = house value $560,000. If they sell the house for $560,000, give the Caregiver Sister $300,000 towards her own house they would each still get $43,333.33 which is so much better than nothing. Plus, 6 of the siblings went to live their regular lives while the Caregiver Sister took care of their Mother.
Seems reasonable the other siblings may not agree. She didn’t even mention the other siblings wanting to help
Can't be mad at a George and Jade episode!
I love Jade! I don’t care who she’s hosting with I’ll always watch when I see her.
Jade's hair is a work of art today!
Every episode I see it’s something different and I’m starting too look forward to it per episode!
I love her hair!!!!❤
That's so fancy 😍
My favorite to date💜
Looking at it- it's beautiful🎉
Tom, NO - you've paid for a degree. He is an adult. It is up to him to fund this next degree, even if he decides to borrow the money. He has other options. Why is he even asking you? No matter how much you have set aside for yourselves, it can disappear in a jiffy if you have a medical condition. DO NOT DO IT. You weren't in the discussions so you don't even know what the conversations went like. He can cash flow the degree by going part-time. It's up to HIM now to build his career and make the sacrifices that are needed, not up to you. Continuing to pay for whatever he "needs" to advance in life will set a bad precedent. And even if he has to borrow the money - which the RS people will say is NEVER allowed (even though they had student loan debt) - what he will make as a chemical engineer is one of the highest starting salaries out there. He would certainly be able to pay off a student loan for the extra classes he would need for an engineering degree b/c he already would have many of the courses completed with his chemistry degree.
Best comment I've seen in days! Good job explaining this. This is exactly what my father would say🙈
I absolutely agree with you!
Jackie, do not sign for a mortgage. Your sister cannot afford a house.
I love the rudimentary answers. I can always be reminded to be wise and stay on track. It’s all still great information no matter who’s saying it. Thanks Ramsey Show.❤️
I use it the same way. Staying on track and being reminded that consumerism is not why God made me
In everything give thanks to God. He took what was meant for bad and turned it into a blessing for Shannon and Brooks. I commented to pay the house off bf doing the back yard. I'm glad they made their own decision to do that and now they are debt free a year and half earlier!!! So proud of them. God Bless them. Such a great testimony!!❤
The first caller...If the sister was the sole caregiver without the assistance of the other siblings. They should consider gifting some of their inheritance to her. I reside in NJ, and I have been a caregiver for my 81-year-old mom for the past13 years and it is not for the faint of heart. There has been a lot of sacrifice, but I am working and have some retirement savings. If they gift some inheritance, they could possibly buy a condo outright.
Yes!! I was like I know I’m not crazy for thinking that the sister deserves something for taking care of their mom.
I was thinking the same thing. The sister sacrificed as the main caregiver, now has nowhere to live as the siblings sell the house. She deserves a bigger cut of the sale.
Totally agree. Jade and George missed this one big time.
I absolutely think the siblings should step up for the caretaker sibling. She should be given enough of the house sale to live in a decent place.
Yes, gift some of the inheritance (or sale of the home), easy solution. Even her portion would pay for a lot
If their finances are separate, he doesn't get to say she was "hiding" debt. It was not a breach of trust if you agree to keep it separate.
“Who rang the doorbell?” “The Lord did.” Wow, I got chills. 1:11:44
The sister was caretaker for the mom for 6 years. Sounds like she gave up her life for 6 years to take care of the mom. Why aren’t the siblings giving up part of their inheritance to assist her. Jade and George did not look at full picture here. Had the sister not taken care of the mom, it seems entirely possible the house would have been sold long ago and far less dollars available now.
We don't have the whole story, there is probably more family history that clouds this. And That was her choice, you shouldn't expect financial gains because you sacrificed time or money for someone
Not financial gains, but not a complete financial sacrifice either.
@@PaulGrime-m5ifair enough. I think it's obvious this sister did not take her of herself financially in the past. They should let her stay in the mother's home and when it sells, she can take her portion and get her own place or start renting and working.
With Matt's call, kind of made it sound like their finances were separate due to trust and mishandling finances. But when you add it all up, it was already separated.
I didn't listen to the whole podcast, so maybe Veterans day was acknowledged later. When George mentioned it was 11/11, I was expecting a recognition of our veterans and maybe a history lesson about "Armistice Day". I was not expecting him declaring it as "Singles Day", which is a Chinese "Hallmark Holiday" and go into a commercial for the Ramsey Store.
I mean if you are having a sale on this date, its a much better look ton call to call it a Veterans Day sale, instead of a Singles Day sale.
Pre recorded most likely .. so relax
@Kroh13 can't be, it's a caller driven show. They'd have no callers if they didn't do it live. This is Veterans day afternoon
That was very weird.
@@Kroh13well it's not pre recorded, George literally says "today is 11/11". Obviously you didn't watch or listen
He did say happy Veterans Day after the trust call which I think was the 2nd call
Now this is my favorite couple ever. Scorch earth baby. F...orget the average life. Super Congrats.
It’s just not the same without Dave
Couldn’t agree more. The advice is usually not as good. They let some calls go way to long and sometimes compassion is severely lacking, across most of the “Ramsey personalities”.
Jade is going on and on talking to Matt not listening well...... I think that Matt is being very generous
The first caller was insufferable… crazy to see people in their 60’s still struggling with money decisions
RIGHT!?
The problem with that situation is that the six siblings should not get most of the inheritance when that one sister put her life and finances on hold to care for their mother.
@@PaulGrime-m5ithe only thing I'll say is, what was she doing the other 38 years of adulthood? She didn't care for her mother full time before 58
Those 2 are a great duo- and that 1st lady is a piece of work lmao
I really like this girl. She sounds super Intelligent
If his employer is telling him he needs an engineering degree then they should have a program where they pay partial if not all of it and he goes nights
My Christmas gift to myself oil change and 2 T-shirts.😮
And tres leches cake or fruit cake.😮
Enjoy
That's about what it'll be here! LOL
They missed an opportunity to say “listen Linda!”
At the 32 minute mark George does say Happy Veteran's Day after a veteran's call in. It sounded like he forgot then casually threw it in. Oops, I'm not cancelling George, just a mistake imo
I love your show and almost always agree with the advice you give. But today, George and Jade utterly missed the point in the first call regarding the woman who called about her sister who had been the caretaker for her mother for six years, had started her pension early, and now has no money to buy a house. Why should her mother’s house be deeded to her six siblings when she was the one who put her life on hold to care for her mother? It seems to me that those six siblings owe her not only a debt of gratitude, but perhaps a decent portion that they will receive from the mother’s house. Or maybe she should just inherit the house by herself. I was very disappointed that you missed that detail.
I agree and I think the other siblings could take her in to give her a place to live
We don't know how much cash those others 6 siblings contributed to their mother and their caretaker sister.
I think you're looking at this in a vacuum and clearly there is more to this story. She probably had financial issues in the past (hence why she had nothing saved). She can survive on her portion of the sell and get a job, rent or buy a cheap house.
I disagree based on the limited info that we have. We don’t know that the “caretaker” sister didn’t only move in to “take care” of the mother just to get free rent. Im not trying to be ugly but we don’t have all of the info and I disagree that the other siblings should have to pay the “caretaker” sibling anything based on the info that we have. I think George and jade were spot on.
Scholarships should be talked about.... more than getting money from the parents.
They have dumbed down the calls, with the questions being rudimentary at best. Where is Dave??? Been 2 months!
This is what happens when you hire people with no actual experience
Pretty soon it won't be the Ramsey Show. It will be Jade Warshaw Show she is on 4 days a week
Because she is the cheapest lol
I think racheal is gone as well, she probably designing clothes, cute hair, nails, and all!
@@chrissabin-cb6czso rude
Where is Dave ?
I miss him
've jade though she's Dave twin without the ranting( which I love by the way)
He has to let the other personalities shine a lot more these days so when that time comes for Rachel to inherit the show we will be already sort of used to not seeing Dave
@@OnlyfanseraI think George will inherit the host role. Rachel is too soft
@@TulsaDude I don't think only one person will inherit it.
Yeah it’s been awhile this time
Love Jade! Love Ramsey but George makes me sad, I did not finish the show. He is too abrasive. Lady should not buy her sister a home sure, but to go after the sisters pets when she just lost her Mom. Dave feels like my favorite Uncle, but George I cannot watch. 3rd time I have heard him come after pets and old ladies.
Math doesn't care about your feelings.
Agree. Wonder what Dave was thinking when he made Kamel a 'Ramsey personality'.
George hates animals 😅wait he does wipe his own dogs butt before bedtime 🤔
Because he's very quick witted and intelligent with personal finances. Not everyone has to be overly compassionate because someone has problems. You don't need to coddle adults that have made poor decision after decision.
The hosts need to update their info, unless this is a repeat. They have the age for RMDs wrong, it’s age 75 for some people, and gift tax exemption is higher too.
To be fair, the RMD age doesn’t move to 75 for quite a few years.
I think you're wrong about RMDs, but you did say "some people" so whatever that means, but 73 is for most people
We need Dave
are the shows shorter now?
Yes
Much shorter. More talking between the hosts.
@@henningfineart1967 lame
2 ads and a live ad read per 1 call
No, they're taller
George was so mad the veteran was paying his wife’s debt
I like your hair Jade.
Can we match the callers volume to the host?
Where’s Dave?
How did the house fire start?
Electrical, the breaker for the house somehow caught on fire and since we had an unfinished garage and exposed wood it got onto that. We did have a mouse problem so I just tell my friends a mouse bit some wires and then our house caught on fire. Hope this answers your question
What is the link to the realtors y'all work with,?
Google
If chemist guy can do well in electronics with the engineering degree he should probably do it one way or another, lots of money here
3rd call I think.? You make 180,000 a year with no house payment. You can afford 2 years of college for the son. Still not obligated, but it’s not an “ummm” question.
While you could afford to pay for his full ride, I know it is beneficial for them to sweat a bit and live on their own. Rent, utilities, how to do laundry, clean and cook for himself. Car repairs, insurance, cell phone, etc. Now is the time for him to stumble and you catch his fall.
Teach budgeting and life skills so he will learn to be a responsible and prosperous adult.
They ALREADY paid for one undergrad degree for their son and now he’s working FT.
Time to grow up and get off the parents’ payroll.
@@naomiemoore5725 totally agree. I’m just looking at the numbers part if they really wanted to help.
@@nathanrainey7209exactly, it's a choice. There isn't a wrong or right
I would pay 20,000 that’s it and tell him you pay the rest and don’t ask me for any more money 20:16
I want that $500 mortgage lol
Wow, Jackie sounds like she's ninety!
I know someone who owes $250/month Spectrum alone. Then a lot of credit cards.
$250/month is $9K in 3 yrs.
I watch free TV channels. I don’t have time for TV. I only watch Frasier reruns.
$250/month is good grocery $.
I thought Dave will be back after elections! Where is he?
He said he would be taking a break after the election.
@@eliskaschneider9149 A break that started three weeks before the election.
@ He went on a break about 2 weeks before elections after the show where he said he voted for Trump, and said he’ll come back after elections
@@byuvarafter the election is infinite lol
Yep… Jade got the hair on 💯
where's DAve ?
Jade looks beautiful 😍
12:07 Investing a downpayment given a 5+ year timeline
The lady with cancer..... how is her monthly expenses 2500? She said she owns her home and owns the car. What more big expenses does she have?
Food and house bills even without mortgage , taxes , insurance , medication . Animals it all adds up
Medical bills
@Kroh13 ain't no way, we need receipts
Where the hell is Dave? Is his health okay?
People take vacations, why would he want to work so hard all the time, he deserves a break
DUDE, WHERE'S DAVE!?
Don’t take Veterans Day off? Interesting 🤔
Lol lots of business are open on veterans Day. Even schools, restaurants, etc
It's just another Monday.
McKenzie mmhmm
love Jade's hair today!
Jade is wordy, confusing, and never on script.
So wrong, she’s walked the walk, is married, has kids, she gets what the callers are worried about or don’t know what they should be worried about.
Love the shows with her and Rachel the best!
So have I, doesn’t mean I’m good at giving advice. She’s been on air for over a year and there’s been minimal improvement at best.
@@PrincessLolly1she isn't as polished with advice, that's for sure. Doesn't have anything to do with her personal experience
so KEN has been kicked to the curb ?
Right!? I miss his advice.
Huh, he was just on Nov 5 & 6, you people are weird
@@TulsaDude Kamel, is that you?
My first thought was, who is the new guy with George???? should've known