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Chapter 1: What is the main topic of this episode?
Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people. build wealth, do work that they love, and create actual amazing relationships. Jade Warshaw, Ramsey Personality, is my co-host. Open phones at 888-825-5225. That's 888-825-5225. We're glad you guys are with us. We're here to help you.
Jade is a Ramsey Personality and best-selling author of the book Money's Not a Math Problem. It's one of our Ramsey Quick Reads, which means it is 74 pages long. Is that right? Yeah, look at that. Pretty close. That's pretty good. 70 close. It is 74 pages long. Look at that. My memory is impeccable. Steel trap. That's it. That's it. Hey, thanks for being with us, guys. We're glad we can serve you.
We want you to be here and, gosh, help you move to the next level in whatever you're doing. All right. Rochelle is in Houston, Texas. Hi, Rochelle. Welcome to the Ramsey Show. Hi.
Hi, Dave. Hi, Jay. Thanks for taking my call.
Sure. What's up?
I just wanted to get Dave's input on a situation. So my husband and I, we have four kids. We're a blended family. I have a daughter, he has a son, and then we have two boys together. His father died and he inherited some land from him. It's family land.
And so when we are talking about inheritance for our children, he wants, and understandably so, the land to go to be split between the three boys because he wants to keep it in his bloodline. And so I am fine with that. But where we disagree is on how to do inheritance for my daughter. He thinks the land should be not even taken into consideration when we do inheritance.
So monetary value, et cetera, shouldn't matter. And so what we're kind of looking at is actually selling our current home and then using the money that we make to move to that land and then build on it. in which case we would live out the rest of our days there and put our money into it. And I think that that also should be taken into consideration.
But he thinks that the boys should get the land split between them, and then whatever else inheritance we have left should be split equally between all four kids. And so I just kind of wanted your opinion on that.
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Chapter 2: How should I handle my husband's inheritance issues?
Is your brother also on the mortgage?
Yes, my brother's on the mortgage as well. And on the deed as well, yeah, okay. What's your brother saying about all this?
My brother wants to keep the house and he's just happy to go along because he wants to keep it for sentimental value. I personally agree with your team, but it's just a house. We can get another one.
Yeah. So, um, what would I do if I woke up in your shoes? This is going to be what is called a difficult conversation. My friend, your mom has gotten away with this misbehavior underproducing and, um, uh, un, uh, believable asks of her grown sons rather than taking care of herself. A 55 year old woman ought to be able to build a sustainable life. without sucking the blood off of her children.
Okay. Or man for that matter. Okay. So this is not positive. Your mom is not in a good situation mentally and spiritually because otherwise she wouldn't have done this to her own kids. And of course you all aren't because you allowed it to happen. Oh no, you'd straight up endorsed it. So what, what I would do if I woke up in your shoes is I would go, how long ago did you get married?
My wife and I, we got married a month ago.
Okay. This is going to come down on your wife if you're not real careful from your mother. Your mother's going to blame her because she's the new thing on the scene, and about that time, you evict your mom. So she's going to end up blaming your wife if you're not real careful. So your wife does not need to be anywhere near this conversation. nor do you quote her, nor do you even bring her up.
She's not physically in the room. She's nowhere around because it's not her fault, okay? So you need to travel with your brother and sit down with your mom and say, guys, I can't do this anymore. I'm looking at the future, 10 years into the future, and all I see is pain and trouble. There's a problem here. You're ruining my credit. I'm waiting for the phone call when you don't pay the mortgage.
And so what we're going to do is we're going to sell the house. We're going to pay all the debt off, and we're going to pay the taxes associated with selling the house if there are any. There shouldn't. No, there will be because it's not a personal residence. You may have some capital gains on this.
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