Chapter 1: What is discussed at the start of this section?
Brought to you by the EveryDollar app. Start budgeting for free today. Normal is broke and common sense is weird. So we're here to help you transform your life. From the Ramsey Network in the Fairwinds Credit Union studio, this is The Ramsey Show. I'm George Campbell, joined by my good friend and best-selling author, Dr. John Deloney. We're taking your calls at 888-825-5225. Don't be shy.
Give us a call. Get through our phone screen or Christian, and you will be on the airwaves helping other people who might be in a similar situation that you're in. So we'd love to hear from you. Eden is going to kick us off in Kansas City. What's going on, Eden?
Howdy, y'all. How are you doing?
Great. How are you?
I'm doing all right. All right. So my question is, how do I stop my fiance's mother from stealing her student loans?
Stealing whose student loans?
My fiance's.
Okay. So your future mother-in-law took the money that your wife, your fiance took out for student loans and is using it for nefarious purposes?
It seems so. So last week we were trying to figure out, you know, Hey, what are her student loans going to look like? She transferred from a university to a community college to finish her nursing program. And we asked her mom because apparently my fiance's student loans went to her mom's checking account because her mom wanted to put it from her checking account into my fiance's savings.
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Chapter 2: How do I stop my fiancée's mother from stealing her student loans?
She needs to stop putting money in there. Because now your fiancé is on the hook for loans that she never saw the money for. Like, did the money even go to the school to pay for the tuition?
We, that's what we're trying to figure out. So we know that when she was at, um, university, she, we know the, we know the amounts went there. Um, and she here in Missouri, we have a thing called a plus where you get your community college for free. If, as long as you do like, you know, community service hours. Right.
And so that's why she transferred from university to use those and to get her, um, to finish her nursing program at, um, a community college. Um, cause it's the same, you know, same title. Right. So, um, we, we, we don't know. And that's why we were trying to look. And every time we ask her mom, like, Hey, how much is there?
She kind of beats around the bush and then gets, gets kind of annoyed with us.
All you have to, all you have to do is, um, two things. One, your fiance needs to put a freeze on her credit report. So nobody will borrow any more money against her, period. She also needs to pull her credit report and see what else, because often this kind of behavior doesn't happen in a vacuum.
Right. And we did pull the credit report, and I actually have the breakdowns of, I think there's four or five individual loans. We just can't see if they were cashed to...
um the university or community college or not so you need to contact those institutions get a balance and say hey what is this do i have any past due bills were all these things paid i need receipts for all this you basically need to be your own forensic forensic accountant and go back through everything and figure out what was paid what was owed what are all the receipts how much loans did we take out and then there also needs to be this come to jesus conversation with mom because she's essentially committed identity theft and fraud
Right, and that's what we're concerned about because, I mean, we don't want Christmas and Thanksgiving, especially this being— Well, that's over.
Listen, homie, that ship has sailed. If your mother-in-law or your future mother-in-law is accrued enough to steal from her daughter, Christmas is over, brother, at least for a while. So you have to let that ship go. I'm also going to tell you this. You have to be your fiance's chief supporter, not you dragging her around through a Law & Order episode.
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Chapter 3: What should we do about unpaid taxes from my ex-wife?
Okay. That ship has sailed.
All right. There's a spectrum here from control freak to criminal. And so your job is just to be a support for her, help her research this. But she needs to take the reins. She needs to regain control of whatever was lost in her life and have the hard conversations with mom. And you just stepping in the middle of that to be the hero is not going to play out long term.
And two other things. Don't ever – this is going to sound crazy. Don't talk bad about her mom. Talk good about her, support her. And the second thing is, man, if she won't have a hard conversation with her mom now, I promise you she's not going to have hard conversations when the stakes get higher after y'all are married. You've worked hard to control your money.
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Kevin is up next in Minneapolis. What's going on, Kevin? How can we help today?
Hey, thanks for taking my call. Sure. So my wife and I are currently in the market for a new vehicle, and we have enough cash saved up to be able to pay for it in full. But my question is, why would we if we could just hang on to the money that we have in our money market account and earn more than what the APR is on the loan?
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Chapter 4: How can I encourage my adult children to contribute financially?
So don't wait. It's fast, it's easy, and it could make all the difference. Go to Zander.com or call 800-356-4282. Protect yourself, protect your income, protect your family. Jonathan is in Montana. Jonathan, welcome to The Ramsey Show.
Hi, how are you guys?
Great. How can we help today?
So I had a previous marriage that in the court case, I requested my business documents. She never returned them. Long story short, for the two years, we owed $23,966. In the court documents, she agreed to pay her half of it. And still to date, which we're going on almost three years, she has not paid her half of it.
And I'm finally at a point in my life where I have a chance to pay off a bunch of debt. My fiance, who is very soon to be my wife, I would like your guys' advice on whether if I marry her... if I should just pay the IRS off and deal with a couple of these other debts and just move forward with my life.
So she owes about $12,000, $11,500, something like that?
Yeah, something like that. She filed for an innocent spouse relief, and they denied it due to the fact that she knew full well what she was signing.
So are you going to take her back to court and get the money?
That's what I was asking is, is it something where I should just let that one loom or should I just pay the IRS off so they're not breathing down my neck?
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Chapter 5: How does the government shutdown affect military paychecks?
And as you know, the government shut down, so we don't even know if we're going to get a paycheck on the 15th.
Oh, jeez. Can I just say I hate this for you? I hate this for you. I'm so sick of this.
hold on take a breath you're good you're good no take a breath it's you're here you're here like literally serving your country and you're a pawn in this weird scheme you've become a chess piece and other people it's just i hate it i do too as a taxpayer yeah you're like you're like tell me about it i'm not yeah you're the one not getting paid as a taxpayer can i just tell you i hate this is happening to you and it shouldn't be happening i'm sorry
Chapter 6: What options are available for managing debt during financial hardship?
I appreciate that.
Thank you for loving my family and George's family and taking care of us. I appreciate you. This sucks. This is stupid.
It does.
Chapter 7: How can military families navigate financial challenges during a shutdown?
It's not fun. Especially with bills still having to come out. So USAA is offering a government shutdown loan for those. Basically they're paying out interest free to cover what service members are not receiving from the paycheck. It's up to the amount of their paycheck. I am on the fence about it. Because it's interest-free, it's enticing. I wouldn't do this.
Well, you're calling the Ramsey Show, so obviously you're never going to take it.
I know. I'm not going to get a yes answer.
But listen, one of the last bargaining chips I heard was, I'm not going to pay any back pay.
Chapter 8: What steps should be taken when facing overwhelming debt?
Well, I will get back pay. There's 0% interest. I'll receive my back pay.
No, no, no. No, what I'm saying is one of the last bargaining things I heard was if the shutdown continues, I'm not giving anybody back pay. That was one of the sides. I don't remember which side. That was one of the sides' arguments.
As in what if that paycheck doesn't show up and you still have this loan hanging over you? Correct. So that's something to think through. Do you guys have anything in savings right now?
Well, we just have the starter savings right now.
Do you have $1,000?
Which is $1,000.
Yes. Okay. And what is your next bills that are coming up that you need to pay?
Our utilities, daycare, because we still have to go to work, tuition, and mortgage.
Tuition, mortgage. Okay, what's the mortgage?
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