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Dr. John Deloney

👤 Speaker
14411 total appearances

Appearances Over Time

Podcast Appearances

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

But hey, if we're playing big boy money, if you're ready to put $50,000 down or you're ready to co-sign on a loan with a guy that has a history of not paying stuff back, then you're ready to do big boy stuff. What stops you from having that, what I would call a more honest, because here's what you know, and I know this, but you especially know this. You're going to get this consolidation loan.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

But hey, if we're playing big boy money, if you're ready to put $50,000 down or you're ready to co-sign on a loan with a guy that has a history of not paying stuff back, then you're ready to do big boy stuff. What stops you from having that, what I would call a more honest, because here's what you know, and I know this, but you especially know this. You're going to get this consolidation loan.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

You're going to co-sign your life away to it. And he's going to continue. Nothing will have changed in his life.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

You're going to co-sign your life away to it. And he's going to continue. Nothing will have changed in his life.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

You're going to co-sign your life away to it. And he's going to continue. Nothing will have changed in his life.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

No, the amount of money he's going to have to pay is still going to be there.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

No, the amount of money he's going to have to pay is still going to be there.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

No, the amount of money he's going to have to pay is still going to be there.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's what we're going to give you, Jack. I'm going to hook you up with two.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's what we're going to give you, Jack. I'm going to hook you up with two.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's what we're going to give you, Jack. I'm going to hook you up with two.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

two different codes so that you can watch all nine of the the financial peace university lessons digitally and you can send him one he can watch it on his own okay i'm gonna send you that but here's something important that i want you to hear me say what you are trying to do is respectable and loving you've got ulterior motives like we all do you don't want to get stuck with this down the road right but you also you've been watching your dad hurt for a while fair

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

two different codes so that you can watch all nine of the the financial peace university lessons digitally and you can send him one he can watch it on his own okay i'm gonna send you that but here's something important that i want you to hear me say what you are trying to do is respectable and loving you've got ulterior motives like we all do you don't want to get stuck with this down the road right but you also you've been watching your dad hurt for a while fair

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

two different codes so that you can watch all nine of the the financial peace university lessons digitally and you can send him one he can watch it on his own okay i'm gonna send you that but here's something important that i want you to hear me say what you are trying to do is respectable and loving you've got ulterior motives like we all do you don't want to get stuck with this down the road right but you also you've been watching your dad hurt for a while fair

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Fair. Okay. This will end with the destruction of your relationship with your father. And here's why. When you co-sign on a loan with your dad, it's the same thing I tell parents to not co-sign on student loans. If you can't afford it, you can't afford it. But what you end up doing is you put a transaction between two people that should be ride or die together, a father and a son.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Fair. Okay. This will end with the destruction of your relationship with your father. And here's why. When you co-sign on a loan with your dad, it's the same thing I tell parents to not co-sign on student loans. If you can't afford it, you can't afford it. But what you end up doing is you put a transaction between two people that should be ride or die together, a father and a son.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Fair. Okay. This will end with the destruction of your relationship with your father. And here's why. When you co-sign on a loan with your dad, it's the same thing I tell parents to not co-sign on student loans. If you can't afford it, you can't afford it. But what you end up doing is you put a transaction between two people that should be ride or die together, a father and a son.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

And there's going to come a moment when he doesn't come through in a certain month and he can't make that payment and you're going to get the bill. And here's what's going to happen. You're going to get enraged as you should. And then you're going to begin to resent him. And that's not his fault. You signed the loan. And so the greatest gift you can give him is a son who's always in his corner.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

And there's going to come a moment when he doesn't come through in a certain month and he can't make that payment and you're going to get the bill. And here's what's going to happen. You're going to get enraged as you should. And then you're going to begin to resent him. And that's not his fault. You signed the loan. And so the greatest gift you can give him is a son who's always in his corner.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

And there's going to come a moment when he doesn't come through in a certain month and he can't make that payment and you're going to get the bill. And here's what's going to happen. You're going to get enraged as you should. And then you're going to begin to resent him. And that's not his fault. You signed the loan. And so the greatest gift you can give him is a son who's always in his corner.