Your Uncle Is A Scum-Burger!
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- Опубликовано: 1 июн 2024
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You can hear the defeat and helplessness in her voice. "And now they won't pay me back..."
She is 21 now. That happened a year and a half ago. The uncle convinced a 19 year old to lend him $15K! He should be in jail.
Really? People are considered adults at what age? You should be in jail for being an imbecile.
Never tell your family how much money you have
Never tell anyone what you have.
@@genxx2724 100% this. Parasites will come out of the woodwork like no other.
@@genxx2724 Yes..u beat me to it
You can tell them. As long as they don't get any of it. Otherwise you're an ATM
Exactly!
The Uncle didn't pay the hospital he kept it for himself 100 percent!
A dirt bag who would take money from a young lady would have no concern about his father’s hospital bill. It was just a pretext. I’d like to know whether she even saw it.
That is a fact he never paid any hospital bill .
Came here to make this comment!!! You beat me too it. 100%!
I can't believe it took them 14 minutes to bring up that possibility.
Yep
Nothing makes Dave more angry than elders in the family stealing from the young ones’ future. I’m with him in this as we should all be.
It's outrageous. Not that young ones stealing from the elders is better, but it's just inconceivable.
I was almost in the same situation with my parents years back. Luckily I stood up to them and never end up giving them $$
@@michaelpalumbo4880 Not true
Yes but was the answer to just let her grandfather die???
@@costco_pizza So that’s what you took out of the call??
Poor girl doesn’t sound a day over 13. They definitely took advantage of her kindness.
"like, like, like, like, like.....like like"
Gen Z!
Exactly. He knew he could play her like a violin.
@@astrea79 And, he knew she had it! She should have told him she spent it on shoes , purses and gambling.
Her uncle would think twice about using her again if she were to take a bat to his head like he deserves.
The uncle suggested that SHE go into debt with a student loan, to pay for college, instead of HIM going into debt, to pay for the hospital bills.
I bet the money wasn't even used to pay off the hospital bill. The hospital would accept ANY amount, every month, to not start collection proceedings.
Quite possible. Poor kid. God bless her.
I know this is a serious situation but when Dave said “they’re not going to repossess your Grandpa” I lost it
💀 🤣😂
Right 🤣🤣🤣 or when he said if you think you don’t have crazy people in your family it’s you ….💀💀😂
SAME!
😂😂😂😂😂😂
She should obtain a copy of the hospital account. If $15K was not paid by the uncle, she can report this to the police and district attorney. They may prosecute him for fraud. Depending on how small a town it is, they may take this very seriously. A hardworking college girl is a sympathetic victim.
The media would be all over this for sure. Nothing screams patriarchy more than a young girl being taken advantaged of by older men.
Most excellent! This is one possible way of recovering the money. A criminal court would certainly order restitution.
Of course he didn’t put all the money towards the bill. He’s a scumbag.
She would have to get that from the uncle. HIPPA will not allow the hospital to release that info to her.
@@theirmom4723 Prosecutor can subpoena it. If she files in small claims court, she can subpoena it, too.
Don’t forget to send your uncle a link to this video.
💯🤣💯
Definitely don’t do that. Text him and email him more to get him to make more admissions in writing. Corroborate it with the grandfather or others. Then sue him. Don’t let him know it’s coming,
👍
😂☠️
Smh I feel so bad for this young lady
I just LOVE that these two men are enlightened enough to understand that sometimes you have to cut off family if they are toxic, so amazing to see from people who consider themselves conservative.
That money didn't go towards medical bills. I'd bet my life on that
Hookers and coke
They don’t hold people hostage in the hospital if they can’t pay. She was swindled. If she has an email from uncle admitting he owes her she needs to sue him
you said this and it popped in my head that hospitals actually do hold you "hostage" in the Philippines. I doubt it but I wonder if this family is Filipino
Absolutely
True, but was the answer for her to just let her grandfather die???
@@costco_pizza no but she still needs her money back.
It costs times and money to sue and she’s a student.
Perhaps another valuable lesson: Don’t tell anyone how much $ u have. Someone had to have told the Uncle she had a healthy savings account.
Yep, I learned this lesson as a kid instantly, first time I ever had a $20bill for doing a bunch of extra chores. Paid saturday morning, had friends over in the afternoon, was bragging about it, put it back in my sock drawer, found it was gone less than an hour later. Had no way to get the $20 back despite knowing exactly who took it.
@@Lon1001 the lesson learned was well worth $20.
Most likely her family complained about the hospital bill to her. She might have offered to lend him the money.
@@texan903 I understand this is a difficult situation for her, but was the answer to just let her grandfather die???
@@costco_pizza no, letting the grandfather die wasn't a solution but his son should've asked his granddaughter/niece to put repayment terms in writing. Her uncle should've honored that and spoken with his niece for a longer timeline to repay any late monies.
I find it interesting she loaned him exactly $15k, as this is the IRS gift limit. She totally got scammed by her uncle. I work at a hospital, if someone can't pay their bills hospitals have associated "charities" that will lower the bill to whatever you can pay or waive it altogether.
Criminal how the IRS gets to decide the 'gift limit' to my loved ones from me.
Especially if they are elders
@@lucialuciferion6720 well sadly its needed. Could you imagine if they didn't, they could have gotten her for more
I don't believe there is a gift limit to family members. I want to give substantially more to my daughter and her family, and my finance guy says there's no limit on family-to-family giving. Perhaps Uncles, Aunts or Cousins aren't included.
@@davidmuth4571 it may depend on your state. from my understanding, you can give as much as you want, but after a certain amount, you have to report it to the irs and pay tax.
Uncle got wind that she had savings and waited for the first opportunity to con her out of it.
Wonderful of him.
( s I g h )
My wife and I don’t complain about money ever… and because we don’t, family feel it’s because we’re wealthy.
Narcissists and low life’s don’t need her to advertise how much money she had - they can sense it by you not complaining about how broke you are all the time.
I would gladly join the Ramsey SWAT team for guys like her uncle.
I'm on board too, I'd love to have a word with him.
She learned a $15000 lesson: NEVER loan money to family or "friends". EVER!
Unless you want your money back..
Don't
Never let your family buy your home either
I once lost a good friend over 50 bucks.
I can tell you, sometimes I’ll sit back with a drink and regret not having that 50 bucks.
@@JDAfrica It cost you 50 bucks to learn that person wasn't a friend. It costs some folks a lot more.
“ they’re not gonna repossess your grandpa” has me on the floor 💀 🤣
A lesson for anyone watching this. NEVER tell anyone how much money you make or have. Some people are just waiting to take advantage!
Why isn’t the grandfather paying for his own hospital bill? This sounds to me like a generational problem.
Ok I think we’re taking the hospital story way too seriously……the father of a 40 year old uncle would be on Medicare. There would be a deductible, have to pay for some medications at home, that could be an ongoing struggle but it wouldn’t be a $15k bill immediately. This seems like it was just a story to get money. Grandpa was in the hospital and uncle saw a way to make some cash.
Yep. We know where he's headed
Depends on if they actually applied or if they're eligible. My children's father was unemployed but he wasnt eligible for medicaid.
The uncle probably has an addiction or gambling problem
@@michellerichardson3090 Medicare, not Medicaid. Medicare kicks in at 65, which is probably Grandpa's age.
@@mwhe3111 you can be eligible for medicaid if you dont receive medicare. Assuming the ages doesnt help because when my neighbor was 40 his mother was 57. Hes currently 53, his mom is 70 and his grandmother is 90
She was scammed by her own Uncle. Her family used her for her money. This is sad.The grandfathers bill is not her responsibility.
My heart breaks for people like this. She was completely taken advantage of and her parents did nothing to protect her!
@@saulgoodman2018 I was thinking the same thing.
Gotta hate stupid family that holds beautiful people back in life. Gotta get away from that toxicity!!
blaming the parents as if she went and told them what the uncle asked is just horrible.
kids don't tell parents everything.
@@saulgoodman2018 I was thinking her parents told the uncle she had money... do you think she was just telling everyone how much money she has? Possibly but usually one who brags about having money isn't the type to have saved it up themselves.
@@Sexy40baby1 you’re misunderstanding the role of a parent. If my brother went to my kid behind my back and stole her money my kid would get their money back. As a “parent” I refuse to allow my brother steal my kids future. If that means I have to sue him I will, if I have to go to our dad and tell him his son is a thief and he needs to pay up I will and if that doesn’t work I’ll just take it from him.
Sounds as though Cathy is a timid, tenderhearted, young woman and was guilted into "helping" pay for grandpa's medical expenses. Poor, young woman. I have never asked my children for money, no matter the financial circumstances I have encountered. I don't think it's right to do such a thing. I'd have to question my character to even think of asking them for money.
She wasn't 21 years old when she was asked for the money. She was about 19 1/2 years old, which is worse.
I love how blunt and honest Dave is.
It's been a while since a Ramsey video has made me this angry. My heart goes out to Cathy.
The sad fact is he probably didn’t even spend the money on the hospital bill. This uncle sounds like my parents. I had to teach myself about money because my parents are low life’s like this. I remember my dad and mom spending money on drugs and then sending me, a child, into the store to pay with change because they were too embarrassed to pay with change. And I was careless with my money for a while til I realized that I never wanted to be like them.
Yes. Bet the Uncle has enough money for cigarettes, beer, alcohol, and gambling.
Too bad we can't pick our parents.
@@elaine1743
True.
But statistics shows that kids of an alcoholic are more immune to alcoholism, then fresh exposed newbies.
It's easier to owe Cathy, because she can't collect. Uncle is a predator.
Her parents failed her, she’s too naive. Hopefully she learned her lesson.
Yes. They definitely should’ve told her how her uncle was so she wouldn’t make this type of mistake. When children get old enough to understand, I personally believe they should know the family members to stay away from. Parents should tell their children why that family member is a piranha without sugar coating it.
some people have to learn from experience and any amount of telling them wont help. she failed herself, shes an adult.
do you need to see how many hate Dave? Making excuses that he's a liar and grifter? you can tell them all day and it won't help.
@@K.mit338imagine agreeing with a kid who plays fortnite. whos never had a job LOL
When it comes to family, never tell them how much money you have. No matter how great your parents and extended family are, never disclose your wealth. The money you decide to give your family, give it as a gift, do not expect it back.
Not just family, anyone. Best to not disclose to anyone how much wealth you have.
100% I dont keep my income a secret from my wife but I have told her in no uncertain terms it's our business and no one else's. If I choose to help out family in tough times it is a gift with no intention of ever receiving it back but I don't want people thinking they can make bad life choices thinking I will bail them out when the debt collectors start calling.
Or just learn to say no.
That was a question I would have asked: how did the uncle know she had that amount of money saved? She told him. Mistake. She won't do that again. I hope she sues her uncle over this. She will hopefully get most of it back that way.
Don’t even tell your best friend or mama
My daughter was is a bad marriage. She would call and ask for money. I ended up telling her, “If you are happy, I am happy for you. I am not paying for your happiness though.
2:44
Dave: they are not going to repossess your Grandpa 🤭
Epic, lol
She needs a strong role model outside the family.
Sometimes, Family will treat you worse than an Enemy
Relatives can be the devil. My aunt tried to get my brother to co-sign a mortgage w her and told him to not tell our parents smh
I recall a time when I went to pump gas and was approached by someone asking for some money for food. I gave them a $5 and went about my business. Then went inside to get a snack, I see them in front of me in line using that $5 to buy some cigarettes. And now I no longer give cash, I've learned my lesson.
Point of the story, is offer to pay for what they need, if they need gas, food, etc... You can tell a lot about the way they react. With gratitude or disappointment about not getting the cash
I noticed that too . I was visiting a family friend and he told me about a homeless guy who is always asking for cash but when you offer to buy him food or pay for it he refuses . I don't give cash anymore too .
Never give to people like that. Give to good charities and church.
If you buy them necessities, you free up whatever cash they do have so they can buy cigarettes.
@@genxx2724 Very true. Kidness will get you taken advantage of alright. All in all, everyone should use their best judgement
@@CruzzzControl1984 I was desperate for a snack before an appointment, and went into 7-11 to quickly grab the least harmful thing. It was a 2-pack of granola bars. I exited, and a panhandler was outside asking for money for food. I offered him the second granola bar. He retorted he wanted money, because he was going to go get a steak later. Well, excuuuse me.
They didnt use that money for Grandpa's bill...they partied with it.
If she wanted to help, should have gone directly to the hospital to pay on the bill.
I am betting the hospital bill was not even paid & the uncle used money for something else
Base on the uncle character, it wouldn't surprise me. I bet the uncle used the some of money to pay off his brother which is the caller dad. Whole entire family are trash. Wouldn't surprise me if the caller parents told uncle to ask to borrow money. How would he know that she have the money.
I’m betting there’s no hospital bill at all…..grandpa would be on Medicare and there wouldn’t be a hospital bill. Maybe a copay or something but not $15k.
probably had a weekend in vegas
Double or nothing at the track
In my experience, even if you're only paying $100 on your hospital bills...they really don't care, they're just happy you're trying to pay it off!
Watching this the second time. First time was before I lent my guardian money. Now it's been over a year since she promised to pay me back and her latest excuse is she started raising me after I was orphaned and so I owe her. I feel this girl's pain.
Shame on her!
So, you'd seen this video before you lent your guardian money. Why did you lend your guardian money, then?
I'd make sure the grandfather knew the uncle was fleecing the grandkids on his behalf.
this is so common, family taking advantage of the young children. My mother did this to me and the rest of my siblings. I worked every summer throughout high school and almost saved nearly 10 thousand dollars. by the time I was 18, I had nothing. It hurts, but sometimes you cant even trust your own family.
I understand her pain. Her story is just like mine. Not uncle, but father & sibs. I worked at distancing myself from all of them. Very sad . If you give them money once they will look at you as "Ms. Money Bags". It was a tough to move away from them because they try harder to pull you into their drama. They think, I am the bad person. I let them think that because I don't care. Always remember they will never give your money back.
Don't even tell your family you have money! Pretend you're broke! I used to be too nice in my 20's. Now my heart has been replaced with a pump for people in general even if they're family! Don't be nice! Only show people how to help themselves if they're willing. Like the old saying. Teach a man to fish.
This is so incredibly sad. This poor girl learned a really tough lesson about family.
People don’t understand that you can live and forgive someone, but still have a boundary that says that person is not allowed in your life. Sometimes that’s the best way to love someone cause nobody else ever told them no like they needed to hear.
She's too trusting.
And that's why I tell my daughter NEVER EVER tell anybody how much money you have. That way if you do give you won't feel pressured to give a certain amount!
The uncle didn't use a penny of it toward the hospital bill.
Yes he stole it
@@SarahR2D2 That’s the real term for it. He defrauded her.
My family is like this with money. The caller needs to set major boundaries! I'm glad you were so honest Dave! Good advice, I hope she listens. Poor gal I'll be praying for her.
She sounds so cute. She seems to be gullible. I'm sure she will get through this.
College doesn’t teach streets smarts unfortunately
@@KNukzzz That would be too late anyway. Street smarts need to be learned young.
@@KNukzzz anybody at any education level can get scammed. It can be a family member or a professional fraudster.
Young and naive and I’m sure she loved the uncle.
This girl has terrible parents and a terrible uncle. Wow.
HeLpLiNe 💬📞☝️.
Makes me wonder if the Uncle kept some (or all) of the money for himself. Judge Judy always tells litigents to NEVER loan money to relatives. She says the chances of it being paid back is slim. Unless an I.O.U is drawn up, they usually say it was gifted. Even a text indicating it's a loan is admissible in court. I hope this young lady goes to court with some kind of evidence. Maybe another family member can vouch for her.
She can send him an e-mail detailing it. If he doesn’t respond denying it, she can try to use that.
@@genxx2724 You are right. I actually saw a similar case on Judge Judy.
He did
Guranteed. I bet none of that money went to the hospital.
Anytime someone borrows something from me, I take a photo of them with the item. That photo, on a mobile, is geotagged and time/date stamped.
Hospitals ALWAYS offer payment plans for large bills. There is a 0% chance that money went to hospital bills. Your Uncle scammed you.
"If you cant identify where the crazy is in your family, then its you." Lol. Dave Ramsey quote.
The whole family, if they’re SO mad at scummy uncle, needs to get together and give this girl her money back. They’re all mad at the bad uncle (we all are) yet they don’t seem to be helping Cathy at all.
What a great idea! ❤
I agree, and the father is as bad as the uncle. It must be a real doozy of a family if the adults can't come up with the money for their own father's hospital bill. Low life family.
I wanna know where the dad was in all this? Did he really just let his brother con his daughter and not do a thing about it?
This caller was adorable and I wish her nothing but the best. Good people with good deeds get good things.
When it comes to loaning money, whether it’s family or friends, I only loan the amount I’m prepared to lose. She should’ve sent the money directly to the hospital and not to the uncle. He probably just took it for himself. I really hope she is able to recover the money though.
I’m 💯 percent sure that he did not use the money to pay the hospital bill. Honestly it wouldn’t surprise me if grandpa was never even in the hospital.
My nosey deadbeat mom always asks how much I pay for such and such. I always reply, “Why, are you offering to cover the cost?”
"Hospital can't repossess grandpa" epic
That's probably the threat her uncle put in her head
They didn't use that money to pay a hospital bill.
"They're not gonna repossess your grandpa" 😂 I lost it
Why doesn’t grandpa have Medicare? Worst case adv plan is $6500 out of pocket max. He could have lied and pocketed the rest of the money.
I absolutely love this! I have always said I chose my family members and people have hated that! I grew up being told "you can pick your friends but you can't chose your family" oooH heck no!!! I have never felt the emotional pull to stand by "family" members that only have bad intentions. I don't discourage people who do, but that is not for me.
Smart lady!
This is so funny to me. My best friend says “she doesn’t claim everyone as family” all the time. I will have to take up this notion as well.
Agreed
JUST SAY No! No! NO!!!!
My uncle was a lawyer. Imagine our surprise when my grandmother dies and 90% of my grandfathers million dollar net worth was left to his family after moving close to grandma when she was on her deathbed. I was around 18 and still regret (and don't regret) standing up to my uncle. Moved on but let the Lord sort it out. Money isn't everything.
There are tons of families out here where the parents and older people use the younger. It’s outrageous. Even “Christian” families don’t realize they are doing this
👀
They realize it
If they do that, they aren't Christian. I liked your quotes.
It's called unrealistic expectations
I would say odds are he didn't even use the money for the hospital bill
Learning to set boundaries--understanding why and how, is such a game changer. I hate that this happened to this dedicated young lady. It's such a betrayal.
I love the Chris Traiger answer he gave. "You have several options. They're all terrible, but you have them."
HeLpLiNe 💬📞☝️.
Sell the uncle
ADVICE: You pay the debt you want to help a family member with- don't just hand them the money.
And If It’s a medical bill, you negotiate It first.
@@genxx2724 Absolutely. And NEVER borrow money to pay a debt. 😬
@@randy944 For sure. It was dumb to expect re-payments (especially within one year) from a person who was in the hospital. She should just go with the former and never expect re-payment and never loan these people a cent again.
I wonder how the uncle knew how much money she had....
Sue for what he stole plus emotional damages, etc. Throw the book at him.
Uncle is NEVER going to pay back this sweet, young lady and he knew it when he conned her out of it. He will use the "so much time has passed" excuse and NEVER pay her back. She should only talk about this loan every time she sees him so that he feels like the POS he is. Also, how does she know that he actually used the money to pay the hospital? Heartbreaking.
So was the answer for her to let her grandfather die???
@@costco_pizza Hospitals don't let anyone just die hopefully. The person themself and his kids should have taken care of him, not a removed granddaughter.
@@costco_pizza sadly, yes. If it was critical, the uncle would have made a plan - taken a loan from the bank, sold a vehicle, taken a loan from his work off his paycheck, or signed as guarantor with the hospital.
It was never her responsibility. It was never her duty.
@@HermannTheGreat
Actually tragically yes some hosp will.
@Sheri - Maybe this young lady will get an opportunity to get revenge. Uncle will truly desperately need money for himself and she can have the satisfaction of saying she can’t do it since he left her in a financial bind. Let him finally get his payback.
I love Dave getting riled on her behalf. It’s heartwarming
My mother cannot handle her money. When I graduated from college she came to me with her credit card bills because she couldn’t make the minimum payments. She didn’t want to go to dad and ask for the money. I paid her bills even though I was making barely enough to live because my mother taught me to be helpful. I had to stop because she was taking advantage of me and is a spend a holiday to this day. I told my dad. They had a blowout argument and mom never asked me for money again.
Dave Ramsey you are correct. Integrity and honesty is a minimum what is expected from the people who worth associating with. This low life uncle should be made to pay the money back with interest. He need to be given two choices, either he pays the money back on his own or alternatively he need to be taken to court. He is not worthy to have any kind of further relationship with.
Bless her heart ❤️ she's young and gullible and has the voice of a 6 year old. He swindled her 😕
Funny to see all the co-hosts sitting next to Dave dancing like bubbleheads with everything he says before he finishes a sentence lol
Getting a judgment against a broke uncle doesn’t suddenly make him have the money.
no but its a legal mark against him and is a paper trail for her sake if it ever escalates.
A lot of families are dealing with similar issues. Disappointing that it has happened to a college student. When it comes to family, assume a loan is a gift as many are not repaid -
I Dealt with a family member that could repay but wanted to save it for their own use - did finally repay but caused damages to our relationship. Beware!!!
Exactly. How will you feel when the relative who owes you money goes on vacation or buys a new car?
Unfortunately no attorney is going to take this, despite the dramatic emotional and moral aspects. She may be able to go to small claims court, depending on the limits in her state. That would be an excellent learning experience for a 21 year old.
Giving this to an attorney is not the answer... even if an attorney takes this, his fee would be at least 30% - 50%. I think she should take him to small claims court... here in MA the max is $10k. And she can walk away from $5k.
@@johnSmith-uz8nl Wouldn't that be a -5k net loss and not really worth it since he is already de-facto gave a $15k. I am glad she learned her lesson to never barrow someone who is in debt (especially when has her own debt).
“A dysfunctional family cannot have a functional family business.” Full stop
You don’t pay the bill, you wait till they’re about you send you to collections and then you settle.
I am hoping for this young woman's sake that this is resolved soon, but I don't think she's going to go the legal route. Cautionary tale young people: don't EVER lend people money, especially family members. Unless you can legally bind people to proper repayment terms, you will lose it.
Older I get the more I realize family is a CRUTCH. Hence I only lean on myself and only allow my disabled mom to lean on me. No one else.
HeLpLiNe 💬📞☝️.
Thank you for telling. I feel better now. This is so many families.
Her grandfather was under 65 and had no insurance. The uncle (and her dad) were worried about the hospital coming after his (the grandfather's) house or other assets.
Keep your financial information private. If you want to give someone money let it be a gift .Don't loan money to relatives and friends because there is a good chance it will be an issue.
Poor girl is extremely naive. Gave her uncle FIFTEEN THOUSAND DOLLARS?! That's a lot of money at 21. Most 21 year olds do not have 20K to their name, ESPECIALLY college students.
Do not ever give your family money for any reason!! They could have made payments to the hospital and the bill didn't need to be paid off with her money!
"Dave the other Uncle " .... love it.
You should never loan money to family, expecting it back. You should either give, or not, depending on what you can afford, and what the need is. And then it’s between the recipient and God as to whether they use it properly. If she doubted it would be used for the intended purpose, she could have gone and paid the bills directly herself. But helping your grandfather with medical bills, when you can probably replace the money, is not necessarily the wrong thing to do. It’s probably the right thing to do. Even if your family is messed up. That’s the proper advice here. Now, should a family with multiple members not be in a position of asking their youngest to bail them out? Absolutely. So it is questionable. But there is no way to know all the details from a five minute call.
Does she even know if that money went to the hospital bill? Poor girl, take him to court. She's learned a lesson, now he needs to learn a lesson!
Good idea, take him to court and pay legal cost to get a worthless piece of paper.
This is NY State, any state hospital will see you regardless of payment. The parents should have never allowed this. 😤
The hospital never got paid is my bet