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Chapter 1: What is discussed at the start of this section?
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. Number one best-selling author and a host of an ever-popular YouTube podcast, George Campbell, Ramsey Personality is my co-host today. Thank you for joining us, America. We appreciate you hanging out.
Open phones at 888-825-5225. And let's just start off with Dave not pushing the right buttons. Anna is in Detroit. Hey, Anna, welcome to The Ramsey Show. Hi, how are you? Thanks for having me. Sure, what's up?
Well, a little bit of a situation, and I'm hoping maybe you can give me some advice. My husband bought our house from his mom 19 years ago. She had quite a few houses at the time and decided that she could sell one of them to him. He was 19 at the time. Went through a closing, like, with, you know, a proper close agent, um, and signed all the papers.
Um, he is the only name on the warranty deed, um, and has been responsible in living in this house for this past 19 years. Um, a couple of years ago, she, uh, had asked us for quite a sum of money and we said we couldn't afford it. So in retaliation, she went to the County clerk. and filed a fraudulent quick claim deed on the house, claiming that our house is now her house.
There's no checks and balances with that system. Yes, there is. So it went through, and everybody— Oh, yeah, the checks and balances are you put her in jail for fraud. Yeah.
Because she's a freaking crook. She's a criminal.
It's been two years, and we're still fighting. Yeah, yeah. um instead of getting our day in court they're saying that it's going to either cost us twenty thousand dollars um to take it to court or we can pay the ransom and maybe settle for something less and just pay to get rid of it to pay to get out of it you mean pay her yeah a settlement right so why have you not filed criminal charges
Well, we went, I talked to the county clerk and she said, oh, you need to get an attorney to, you know, the quiet title. So that's what we did.
And your attorney needed to tell you to advise you to fire criminal charges. Someone stole your house. It just happens to be that you know the crook.
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Chapter 2: What should I do if my mother-in-law commits fraud?
I mean, it just is.
Very strong Christian raising to honor your mother and your father. And I think there was a lot of things that we just said, no, she just needs help. No, if we can just pull her through. No, if we can just... you know, be there and help her get up on her feet. We did that for a lot of years. And then finally I said, you know what?
I told my husband either our household or hers, but we can't be the man of both.
Yeah.
And he chose our household. Good choice. That, That's when the crazy came out.
When you set boundaries with crazy people, it accentuates they're crazy. Henry Cloud teaches us that in Boundaries 25 years ago. Okay, so you've got some choices. Obviously, there's no relationship left, and it's a very sad situation. So what is the most practical process here? It doesn't cost much to file a criminal complaint. Okay. There's not a lot of cost involved in that.
That's why I'm shocked that this attorney, in quotes, didn't recommend that you do that as a part of the quiet title. Because here's the problem. If your attorney that was quieting the title quieted the title and then said deranged mother-in-law decides to file another one, you get to do it over again, and he stays in business the rest of his life.
So I want her having an incentive to stop this crap, and that's called jail.
yeah well yeah she's not going to jail by the way darn it no she should i don't but they won't put her in jail they'll settle with her but she will get the message not to screw with y'all yeah okay who said it would cost 20 grand not to file a criminal it doesn't no no you said they told me yes um our attorney we've already paid him 40 over the past two years to get a quiet title um
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Chapter 3: How do I handle a fraudulent claim on my property?
It's over. Just like Monopoly. This is the Ramsey Show. George Kemp. Ramsey Personality is my co-host. George, you know that we're going to be in business forever. Why is that? Because God keeps making people. Are you insinuating that people are not the smartest all the time? Some of us aren't. Some of us in this species have to start over every so often.
I do a lot of stupid stuff, but my personal rule is not to do the same stupid stuff over and over. You evolved. I try to. Well, I've evolved. It's a higher level of stupid. There we go. Because the past level of stupid has been grown upon.
It's always right below the surface.
You've got to watch out. PhD in DUMB. I have graduated.
Wow.
There you go.
Deloney has two of those, I've heard.
Well, he's not in that. He's got real ones. But there you go. The good kind. Today's question comes from Jason in Connecticut, who's also not evolved. Can we start treating Bitcoin the same way you would treat single stocks?
crud son uh i understand you're not a fan no kidding where'd you figure that out but an asset with one trillion dollar market cap is not a beanie baby uh no but it's still thin air ask uh people like warren buffett who says if he doubled the amount he had put in Bitcoin, he would still have zero because that's the amount he's put in Bitcoin. I'm going with Warren on this one.
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Chapter 4: What are the steps to take when facing legal challenges with family?
I really wouldn't. I mean, I don't even want those people to lose money.
Well, even then, I see single stocks very differently because stocks are based on a company's performance and revenue being created. Well, that's because you're intelligent. I didn't have to think that deeply to get there. And so, again, I'm not mad at Bitcoin, but to say Bitcoin is the same as a single stock is just not true. No, Bitcoin is a currency. It's speculation based on height.
Currencies have no value except for their track record that indicates that two people are willing to fight over them. That's why the yen versus the dollar, the pound versus the dollar, the Deutschmark versus the yen, these things compared back and forth. It's the faith that people have in something. And of all the currencies, Bitcoin has the least faith. It's the most. I've heard a lyric once.
You got to have faith, Dave. I wasn't going to go there. Oh, yeah, there's it. I mean, you just it's not. Yeah. So it's going to continue to be volatile until it's not. And even then, I don't invest in the Iraqi dinar because it had Saddam Hussein's face on it. And no one long. No one has faith in that currency anymore.
I don't invest in Confederate dollars from the Civil War because no one any longer has faith that they have value except as a collectible. I no longer, I do not invest in things where people have not established a long track record of faith. And even then on a currency, I don't invest in a currency.
I would utilize it.
I would utilize it. So to the point that I don't trust PayPal to be an exchange. That's a trust mechanism. I don't use PayPal for an exchange. So I don't even use Bitcoin for an exchange because it's too freaking out there for that even. But it's a currency, honey. It's not an investment to George's point.
Well, Dave, you just don't understand the blockchain technology. And once you get it, you'll change your mind. That's the line I hear all the time. This guy doesn't understand the blockchain. It's the future.
Maybe it is. You know, when you say stuff like that, it indicates you don't understand investments. So we're going to help. Today we've launched a two-night virtual event, online event. of me teaching my personal playbook on investments. It will not include Bitcoin except to trash it thoroughly further.
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Chapter 5: What financial goals did the couple set during college?
We're seniors in college. We met at Franciscan University and we were not on the same page about money. And so I convinced him if I paid for it, would he go with me? And so we went and after the first class, he was sold. And that's when we really put this as our goal.
Chapter 6: How did the pandemic influence their financial decisions?
Someday we want to have a paid off house. We want acreage and we want a large family. And it's kind of surreal that we're here now.
What happened though was during COVID, I almost lost my job because of the vaccine mandate. And so it really put a fire on us to make sure that we were completely debt free and clean the mortgage so that no matter what happened, we'd be safe.
Chapter 7: What strategies did they use to pay off their mortgage?
Okay. So they were mandating you get one and you didn't? Correct. Okay. And so you're in private practice now where you control that?
Chapter 8: What advice do they have for others looking to tackle debt?
No, I mean, I work for a hospital system out there, but so they're mandating it through the government. So I had to fight that back.
oh i got it okay all right wow that got you that got you a fire lit that fire in that last what was it 10 months you went crazy huh yeah we actually had built up a bunch of cash reserves in case brian had to open up his own practice suddenly And so when we came through that time, we said, okay, let's get really busy about this house so we're not worried if something happens again.
And so we decided to take that big chunk of change we had been saving aggressively in case he needed to leave his job quickly. And we put on the house and we drained everything except retirement and our emergency fund and threw it at the house in these last 10 months. And then we've just been...
scraping everything we can brian's been teaching butchering workshops um we raise all our own meat now to on our farm and butcher it on our farm you know i wish you had said that first um we have six kids a doctor giving butchering cons i'm just it's bothering me it's the farm not the practice i got it i got it he knows anatomy really well i bet i bet Oh, man. So that's cool.
Well, because homesteading and raising your own stuff is huge. It's a big movement. And so people lining up to take that class and to learn how to do what you guys are doing because the freedom of it and the independence of it. Yes. Where you're not dependent on someone who's mandating something on you that you don't want to do. And you're the guy with the medical degree. We'll figure that.
Isn't that interesting? Yeah. We're not going there. We're just going to celebrate with you that your farm is paid for and it's worth $380,000. How much have you got in retirement?
About another $350,000.
Okay. So you're approaching millionaire already. Well done. And you brought the kiddos with you. How many of them are there? We have six. Wow. They're all with you. Yes. And what are the age range?
15 down to one.
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