π Are you on track with the Baby Steps? Get a Free Personalized Plan π± Watch the full episode for free in the Ramsey Network. app Dave Ramsey and Rachel Cruze answer your questions and discuss: "My mother-in-law is threatening to sue us over a home they built on our property," "Should I pay to fix my car or have it voluntarily repossessed?" "My boyfriend left me after finding out I'm pregnant. How do I prepare my finances?" "My mom is being charged with federal embezzlement over an inheritance. What should we do?" "My partner has massive amounts of credit card and student loan debt," "We bought a business and it's now failing. What should we do?" "My fiancΓ© and I are getting married next week and are dealing with financial issues from the North Carolina floods." Next Steps: β Help us make the show better by taking this short survey! π Have a question for the show? Call 888-825-5225 weekdays from 2β5 p.m. ET or send us an email.Β π΅ Start your free budget today. Download the EveryDollar app! ποΈ Dave Ramsey and John Delony are going on tour this month! Get tickets today ο»ΏποΈΒ Find a Ramsey Trusted Real Estate Agent Connect with our Sponsors: π Stop paying more and start shopping smarter at Aldi π± Get 10% off your first month of BetterHelp π±Go to Boost Mobile to switch today! π₯ Learn more about Christian Healthcare Ministries π‘ Get started today with Churchill Mortgage π Get 20% off when you join DeleteMe π¦ Go to FAIRWINDS Credit Union for an exclusive account bundle! π₯ Save 15% on your first Field of Greens order with code RAMSEY β¨ Find top Health Insurance Plans at Health Trust Financial πΈ To find out more about student loan refinancing, check out Laurel Road π» Visit NetSuite today to learn more ποΈ Use promo code RAMSEY for 18% off at The Nokbox π΅ Learn more about Timothy Plan π Get started with YRefy or call 844-2-RAMSEY π Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: πΈ The Ramsey Show Highlights π§ The Dr. John Delony Show πΈ Smart Money Happy Hour π‘ The Rachel Cruze Show π° George Kamel πͺ Front Row Seat with Ken Coleman π EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Chapter 1: What are the legal and financial challenges with a mother-in-law building a house on your property?
Well, the basic question I have is what I should do with my mother-in-law's situation.
Man, if I could answer that, I'd be rich.
My in-laws gave us a piece of property in 2006. We couldn't afford to build on it at the time, so we saved. And we ended up building our house in 2012. After a couple of visits from my in-laws, they ended up asking us if they could build a small home on the back of our property.
The property that they gave you?
Correct.
So it's titled to you and your husband?
Correct.
Okay.
They were living in upstate New York. It was a lot. My mother-in-law taking care of her home and my father-in-law. And she was talking to my husband daily, multiple times a day, about what a struggle it was. So we felt like, yes, this was a good idea. We could help them when they lived here. And so they sold their home in New York and used that money to build a house in the back of our property.
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Chapter 2: Should I repair my car or let it be repossessed when facing high repair costs?
so you know they'll be there when you need them. Zander is the real deal, and that's why they've handled all my personal insurance for over 25 years. I trust them, and you can too. Visit Zander.com for instant online quotes or for a more personal touch. Give them a call at 800-356-4282. A couple of cool things going on around here right quick.
Dr. John Deloney and I are in the middle of a six-city tour. We've been running in and out of Nashville this week because we were in Louisville last night. We were in Durham, North Carolina with several thousand folks. And tomorrow night we'll be in Atlanta. You can still get your tickets to that. And then a week away we'll be over in Phoenix and then to Fort Worth and then to Kansas City.
Kansas City sold out. Fort Worth is almost sold out, but you can still get a ticket. And Phoenix is a little bigger venue. You can still get a ticket there for sure. Atlanta, if you want to come tomorrow night, you can get tickets. But thank all of you for turning out. It's been a lot of fun. We were in DPAC, the Durham Performing Arts Center, last night, and it was kind of fun, Rachel.
I sent Rachel a picture. She and I were on that stage 11 years ago, on 2014, doing the Legacy Journey Tour at that time. And some of these venues like this, the famous people, that do the venues. It's very cool because you can go backstage and you got like Ozzy Osbourne signed the back wall or Metallica or, you know, John Lennon or something like that.
And then there's Dave and Rachel signed the back wall, you know. And so but so I took a picture of it and sent it to Rachel to remind 11 years ago we were on that stage. But thank all of you for turning out for these things. We appreciate it. We're having a good time. John and I are by the time we get done with Six Cities, we're going to get good at this.
And so we're getting better every night already, so love to have you do that. And all of you that purchased the book Build a Business You Love that was launched last week, my latest book, Teaching Small Businesses the Clear Path of Mastering the Five Stages of Business to Grow and Run Your Business Properly, thank you so much for that.
One week after a book launch, you get the list, the bestseller list, and it came out number one, number one bestseller. So thank you guys for that. We appreciate you. And the New York Times picked it up and ran it on their bestseller list. Their bestseller list is not a β is not based on number of books sold. It's just based on, I don't know. I think they like it or something.
I don't know what they just, they just decide what they're going to put on there. And so they put it on at number five on New York times, but it was the number one selling book in the week, uh, by numbers. So that, that makes it according to book scan. And so it shows up on all the, um,
all the bestseller lists that use the actual sales to categorize the bestsellers, which I kind of thought that's what a bestseller is. But anyway, that's how it works. So thank you guys. We appreciate you very much. And this one is really fun, Rachel. So Ramsey fans tell us all the time that groceries are one of the largest line items, and it's a frustrating line item in your every dollar budget.
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Chapter 3: How do I manage finances and prepare for a baby when my partner has left me?
Okay. So maybe you're going to have between $15,000 and $20,000 piled in an account. That gives me a lot more peace for you delivering this baby with a smile. Okay. Have you got health insurance?
Yes.
Good. Okay. So you need to contact them and find out what your out-of-pocket is going to be for labor and delivery with your health insurance policy.
And with appointments, OB appointments and everything. Yeah, the whole thing.
I want you to have a baby budget, okay, to get ready for that part of it. So here's what happens at the end of this story, and it's going to be a great story. At the end of the story, you come home with a brand-new, beautiful baby, and you've got $15,000 or $20,000 in the bank. You write a check and pay off your debts, and you finish.
You start your baby steps again, and you build your emergency fund. And now you're a mama bear against the world, and you're going to be one of those warrior princesses that goes and makes things happen as a single mom. You're a hero. You're a hero. You suck at picking men. But you're a hero.
Or he sucks. No, he sucks.
He sucks, but you picked him. Yeah, I mean, he's awful.
Oh, my gosh.
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