📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "My niece is trying to block us from my mom's estate," "How do we handle finances and kids in a second marriage?" "Should I sell my truck?" "My brother wants to borrow money from me," "Can I pay off my mortgage?" Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. 💵 Start your free budget today. Download the EveryDollar app! 🤓 File your taxes with 100% accurate software that’s 20% of the price. 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today. 📖 Preorder Build a Business You Love today. Connect with our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. Visit megaphone.fm/adchoices
Chapter 1: How can family estate disputes be managed effectively?
Good day, Dave. I'm so glad that I got ahold of you. Could really use your help. Got a 91 year old mother and there are five of us siblings and we're trying to help her. She is in a nursing home in PA and she is going to pass away soon. So we have a cousin who is my mom's niece who actually is in charge of her estate along with her husband. Her husband is an estate attorney.
She has power of attorney, and she handles stock transactions, you know, brokerage transactions as well.
Okay, if your mother has five children, why did she give her niece the power of attorney?
That's weird. That's the part we can't quite figure that out. It's a little odd.
Well, no, you know. I mean, why the heck didn't she give it to you?
Well, I live far away. I'm in Nashville. Far away doesn't affect anything. I know.
Are you not in a positive relationship with your mother? No, no, we're all good.
Is your cousin like a lawyer or something?
The cousin's husband is, yeah.
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Chapter 2: What are the financial considerations for second marriages with kids?
It's Holy Week in Jerusalem, and the city is restless. The people of Israel welcome Jesus as king, his followers ready for revolution. But instead of taking the throne, Jesus turns the tables.
Walk, you scribes and Pharisees! How will you escape being condemned to hell?
Experience Holy Week like never before. What have you done? Now in theaters, The Chosen, Last Supper. Get your tickets now.
If you run a business or you're thinking about starting one, you probably already know running a business is hard. When you work for yourself, sometimes you have a jerk for a boss. I have worked me like a rented mule at times. I have worked me to death at times. And some of you city people need to look up rented mule. But anyway, yeah, that's like I ever had one either. But yeah, anyway.
Hey, we wrote this book to walk you through the same proven system that we used at Ramsey and we've coached 10,000 small businesses on. It's the Entree Leadership System, the five stages of business, and the six drivers that take you through them. It's kind of like the baby steps for small business. It doesn't make it easier, but it makes it easier.
Because at least you know where you're going and you know what you've got to do to level up in your business. And you know what the clear path looks like. You know what the road to Florida looks like. You're going to need a map. You don't just wander around and hope you get there. Pre-order the book today by midnight because tomorrow it goes on sale and all the goodies go away.
The book is on sale tomorrow officially. $29.99 before midnight. Get over $350 in free bonus items, including instant access to the Entree Leadership Hiring and Firing Playbook, the enhanced audio book. The audio book on this book is super fancy. We did it up like a podcast, so it doesn't sound like a boring audio book, which I hate doing those things. But this one's not. It's good.
At least I think it's good. Pre-order today at RamseySolutions.com slash store, or you can click on the show notes, and we'll get you going. Mel is in Chicago. Hey, Mel, what's up?
Hey, long-time Ramsey fan here. I had a quick question. I've been married. I'm 59. I was married for 29 years, divorced for three years. And in our first marriage, you know, everything is a we thing, whether it's kids, finances, it's an hour, a we thing. Okay, now as you... move into looking maybe at a second marriage, what happens to kids and assets? Does it stay the same as a initial marriage?
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Chapter 3: How did Riley and Claire pay off $65,000 in debt and what are their next financial goals?
No, I think what you've got to do is – number one, the question I always ask myself is am I making a statement – with this move that says I love stuff more than her, if that's the case, you probably ought to not get married.
Well, I know that's not me. I mean, I'm afraid that's the other person, but that's never me because that's not how I am.
Yeah, okay, but you just said that. You just said my income and my assets are going to go up, and I'm worried about that.
Yeah, I'm not worried about that. Yeah, you did.
You just said it, dude.
Yeah, I understand, and I did, but I'm probably more concerned about it not causing a dividing line.
There you go. That's good.
I like that.
So if you had agreed to something on the front end, it would not cause a dividing line for you, right?
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Chapter 4: Should you sell a paid-off truck to save money?
Chapter 5: What are the benefits of credit unions versus big banks?
There is no fair. Fair is your money. The two of you sit down and you decide. And whatever process or values you use to decide where she uses to use or her three million goes should also be equally that same value or process or principle should be applied to your side.
I do agree.
And so, you know, and I think you figure out in the event of death and the event of divorce. I think divorce is a lot cleaner. Because in death, you know, I got to make sure everybody's taken care of.
That's right.
And it gets a little weird or, you know, legacy or whatever, all that stuff. So, but yeah, it's interesting. It's an interesting discussion.
But much as we talked about on the call before that, make sure that the kids know too.
Everybody knows. You all sit down and decide, draft it, and then tell them. They don't really get a vote. Tell them this is what's happening. This is what we decided. And here's how we came to that decision. And you can sit down and tell them together.
Yeah, that's right.
But I wouldn't cut anybody out. I wouldn't cut anybody in all the way. But there's not a requirement here. Somehow you've got to learn how to join your lives while you're honoring the past. And it's going to be a tightrope.
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Chapter 6: How can a disabled veteran start investing in real estate?
Chapter 7: What are Dave Ramsey and Jade Warshaw’s expert tips on money and relationships?
Brought to you by the EveryDollar app. Start budgeting for free today. 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 Walsh, our number one best-selling author. Ramsey Personality is my co-host today. The phone number here is 888-825-5225.
Freddie starts this hour in Nashville. Hi, Freddie, how are you?
Good day, Dave. I'm so glad that I got ahold of you. Could really use your help. Got a 91 year old mother and there are five of us siblings and we're trying to help her. She is in a nursing home in PA and she is going to pass away soon. So we have a cousin who is my mom's niece who actually is in charge of her estate along with her husband. Her husband is an estate attorney.
She has power of attorney, and she handles stock transactions, you know, brokerage transactions as well.
Okay, if your mother has five children, why did she give her niece the power of attorney?
That's weird. That's the part we can't quite figure that out. It's a little odd.
Well, no, you know. I mean, why the heck didn't she give it to you?
Well, I live far away. I'm in Nashville. Far away doesn't affect anything. I know.
Are you not in a positive relationship with your mother? No, no, we're all good.
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