Dr. John Deloney

Yeah, it felt like you threw it pretty hard. Yeah. The Ramsey Show question of the day. Here we go. Brought to you from Lucia in New Jersey. My sister's going through a divorce and has to refinance her home to remove her ex-husband from the mortgage. She asked if I would add her as an authorized user on my credit card, but not to give her a card so she won't be able to use it.

She says it would just help her credit score so that she can get a better rate when she refinances. Okay. Never done this, so I'm not sure if it will affect my credit score, which is in the 800s. Do you see any red flags with this plan? Too many to count. All I see is all red flags.

She says it would just help her credit score so that she can get a better rate when she refinances. Okay. Never done this, so I'm not sure if it will affect my credit score, which is in the 800s. Do you see any red flags with this plan? Too many to count. All I see is all red flags.

She says it would just help her credit score so that she can get a better rate when she refinances. Okay. Never done this, so I'm not sure if it will affect my credit score, which is in the 800s. Do you see any red flags with this plan? Too many to count. All I see is all red flags.

And let me just put this out there. I know it's one of those things where you say something like this, and those who don't need to hear it take it to heart, and those who do need to hear it won't hear you anyway. If you need help financially from a friend, say, I need some money.

And let me just put this out there. I know it's one of those things where you say something like this, and those who don't need to hear it take it to heart, and those who do need to hear it won't hear you anyway. If you need help financially from a friend, say, I need some money.

And let me just put this out there. I know it's one of those things where you say something like this, and those who don't need to hear it take it to heart, and those who do need to hear it won't hear you anyway. If you need help financially from a friend, say, I need some money.

like that's the that's the cleanest clearest way to say i need some help but asking them to co-sign to ask to here we've been authorized used you're on a credit card but you keep the card you don't like now you're asking me to be your babysitter to be your mom to also be your financial advisor and when you need a card and i won't give it to you then you i get to be your punching bag

like that's the that's the cleanest clearest way to say i need some help but asking them to co-sign to ask to here we've been authorized used you're on a credit card but you keep the card you don't like now you're asking me to be your babysitter to be your mom to also be your financial advisor and when you need a card and i won't give it to you then you i get to be your punching bag

like that's the that's the cleanest clearest way to say i need some help but asking them to co-sign to ask to here we've been authorized used you're on a credit card but you keep the card you don't like now you're asking me to be your babysitter to be your mom to also be your financial advisor and when you need a card and i won't give it to you then you i get to be your punching bag

Like, you are choosing to disrupt the friendship and kind of blow it up. I'd rather a friend come to me and say, hey, I'm in a pickle. I need X amount of dollars than to come up with some scheme as to, like, this is how it could work and won't affect you, but it'll help me. It just causes problems down the road.

Like, you are choosing to disrupt the friendship and kind of blow it up. I'd rather a friend come to me and say, hey, I'm in a pickle. I need X amount of dollars than to come up with some scheme as to, like, this is how it could work and won't affect you, but it'll help me. It just causes problems down the road.

Like, you are choosing to disrupt the friendship and kind of blow it up. I'd rather a friend come to me and say, hey, I'm in a pickle. I need X amount of dollars than to come up with some scheme as to, like, this is how it could work and won't affect you, but it'll help me. It just causes problems down the road.

This is going to be me being really callous, okay?

This is going to be me being really callous, okay?

This is going to be me being really callous, okay?

You've got to take care of yourself.

You've got to take care of yourself.

You've got to take care of yourself.

And you have to make sure your four walls, your bills, your heat, your water, your transportation, clothes on your back, you got to make sure those things are steady before you have any business jumping in and helping somebody else. And I know that's hard to hear. I'm concerned on multiple levels. When he got sick, did he not have a job? Did he not have health insurance or anything like that?