Tammy

This is what I've had it with. Senior discount day. Now, listen, pumps, you might be close. So I get it. You want to reap the benefits. Jennifer, not even close. Not even. But. When's my day? I'm 36 years old. When do I get a day? They're in the goddamn grocery store.

They leave their fucking cart a mile away in my way to go get their goddamn cheapest, whatever meat, whatever goddamn thing they need. Or they cut you off. If you're in, if you're waiting to get meat, they, they just, they, they don't even notice you're there. They're like, fuck you. Then you go to the checkout line and it's I roll goddamn city. Like, Like, oh, where the fuck you got to go, Karen?

Go sit on your goddamn couch and watch a soap opera? I've had it.

Yeah.

I rule goddamn city. That was the best. Where's mine? I rule goddamn city.

Hey, thank you so much. Thanks for accepting my call and sharing your knowledge. I just have a quick question. My husband and I are actually wanting to buy a home, and he wants to do this shared mortgage, and he's trying to convince me that it's a great thing and that it's so wonderful, and it sounds very stupid to me. And so I would just like to know what you... Don't hold back, Tammy.

Well, I wanted to know what is this and the negatives and the positives, if there is any positives. That's my question. Shared mortgage, negatives and positives, and is it a good thing?

I'm sorry. So you're saying that if you ever decide to sell or if you ever decide to whatever, you have to give them a portion of the value?

Well, here's the idiotic thing to me is we have $400,000 or whatever in cash, liquid. We could just buy the home. But he doesn't want to do that. He wants to go to the bank because in his mind, he's keeping his money and making some money from the bank. And I'm like, why would the bank do that? That makes no sense to me.

That's what I told him. He needs to listen to his wife. In his mind, he's thinking he's keeping this money for somehow in his possession or something. And I'm like, I don't understand why we need to go through the bank and loan the bank our money to get a mortgage through the bank.

Yeah, and then I'll follow your plan of 25% of my income. That would be nice. That's right.

Um, that's complicated. Our company is going through a lot of changes, so I'm not sure.

I have started looking. I'm a loyalist, so we'll see. But maybe it is time. Maybe I need to dig into that further.

No, I just graduated, so I think I could leverage that.

Hi guys. Thanks for taking my call. I am 34 and I had a couple of houses. I went through a nasty divorce a couple of years ago, bought a house, sold it and bought this one. And this is where I'm in a little bit of trouble. I bought this house debt free. So I had a paid off car. I did put 20% down. I thought I was in good shape. Yeah.

Until one thing after another kind of broke and I was fixing things. And now that I've been watching you guys for the last six months, I know that I should not have taken this large of a mortgage because it's about half of my income.

Yes.

Sure. So I have a few jobs now. So my first income is about $4,000 a month. That's my primary job. And I see that keep going up and I'm trying to get promotions and doing well. And then I also bartend on the side. So that helps. Um, and then I'm about to start doing taxes on the side. So coming up here, I'll hopefully. Okay.

Um, about 400, 500. I try to be conservative with that number.

2000.

I'm wondering if I should sell my house because it is a lot or if I just keep hustling because what it did was it put me into debt. I was also paying for school and I made the mistake of putting that on my credit card.

Is that all credit cards? One is a personal loan and the rest is credit card.

Um, I just hit two years, uh, last summer, so I'm good on the capital gain side.

410?

It did. I live in a crazy area. Okay. I'm more in the suburbs. Yeah. But it definitely did, and I put a lot down, and I think that might have been another thing. Yeah, that's true.

I kind of assumed it'd be around that $100,000 just because of real estate.

Yeah. I mean, I've paid off like $5,000 in the last six months ever since following your baby steps, which is great, but I don't know if it's enough. Right, right. And I don't want to work 80 hours a week. Yes, totally, totally.

Yes.

Thank you.

Thank you.

I agree.

Hi, thank you. Sure.

Well, I'm just needing some assistance with stopping giving my ex-daughter-in-law money.

Yeah.

Yep, go ahead.

Sure.

Well, I did. I've been giving her money for a long time trying to help her because she's a single mom.

Since my husband died in September and probably about $4,000.

Yeah, I've paid her rent since January. It's $800 a month.

He is not in the picture at all. So he is paying support.

He's paying her child support $25 a week.

He's in North Carolina, and he's dropped out of her life or everyone's life.

Not addiction. He's a transgender.

He's just not in the picture at all.

A lot of it is, yeah. Well, because she's a single mom, I don't want her to go under. And this is your grandchild still.

Yeah, she's raising my grandchild. I gave her a car. I gave her my car, and then I bought a car so that she would have a reliable vehicle. because she was going under with the used car dealership. Sure.

I don't have it anymore. There you go. I'm 59. I want to retire someday, and I can't just keep giving her money. But the latest was Sunday night when she messaged me that she's going to be evicted if I don't help her pay her rent.

She works two jobs. She gets food stamps, child support. She no longer has a car payment. I mean, I don't know where her money's going.

Yeah. Thank you. Yeah. Yeah.

That's sort of correct. I don't understand. She works like two towns over. It's an hour away. Why not get a job closer to home? Why not? I just don't know where her money's going, and it's always an excuse, and I'm just tired of the excuses. I just don't want my granddaughter out on the streets, and now she's going to be evicted in three days.

I've told her, yes, she can come stay with me. I mean, I haven't done anything legally. I'm not sure what I need to do legally, but I've told her I can put up my granddaughter. I just can't have her in my house.

I'm waiting for a response. I just sent her a long message today saying no more financial help.

Okay.

I like that. I think I agree with that.

That's what I want. I just want her to be safe. And I'm not trying to take her child away. I just want her to get on her feet and stop wasting money.

Yeah. I mean, it's, you know, I think that maybe it's just being taken advantage of since my husband's passed.