“Y’all Put the ‘Fun’ in Dysfunctional”

[Music] brought to you by the every dollar app start budgeting for free today I was just calling because I wanted to know how to best manage my grandma's finances I've been managing um their bills since 2022 since my uncle passed away he used to live in the home and he's no longer there but um in the last two years I've seen my mom like spend down um their savings and kind of um destroying financially hold on I'm sorry I thought you were managing the money yeah and myom how does your mom get the money if you're managing it uh she'll grab the debit card make purchases and she'll say that um my grandma let her buy certain things um they go out to eat a lot so the first time that happened that's on her the second time that happened it's on you cuz you didn't take the debit card away yeah so this last time I actually made a fraud um and I told my mom if she uses her card again um I will actually make a police report because um she is making too many charges without my grandma's knowledge because when I ask my grandma about these shut the account down close the account I already closed One bank account close it an issue close it then she can't use the debit card it's out of business that's simple okay how much money are we talking about everything under my name well she has 18,000 in the the savings and so I was thinking maybe I should bring that down and send the extra to principal and she also has a vehicle that um we could fell to like pay down her house but my mom's also destroyed that too so not too long ago she would like had the truck and there was a hail storm so I don't even know if the truck's worth 25,000 anymore but my mom's just like ruining everything Lindsay it's your fault it's my fault yeah cuz you're letting her do this I should take away the keys take away everything she should have zero access to shut down any any door that your mother is going through physical or lock it proverbial close the debit card take the keys the dadgum truck move the truck to your garage stop her from having access yeah yeah that's what I need to do cuz yeah you needed to do that like the first time it happened cuz your mother is not a good person and my grandma doesn't even drive so I've been wanting to okay sell the truck then do you have power of attorney not yet I've been working on that okay I'm not going to participate in this anymore unless you give me power of attorney and I'm going to shut down all this bull crap okay this is an act of love for your grandmother and it's an act of punishment towards your mother who's a criminal yeah good Lord girl and clearly the relationship with you and your mom and grandma and her daughter it's over yeah y'all put the fun in dysfunction man yeah so the best thing you can do is protect everything and just get her out of your life yeah so the truck it's a $25,000 truck how old is your granny she's 80 years old okay and does she she doesn't drive anymore she doesn't and she wanted to keep the truck around because that was like the last memory of my uncle so she didn't want me to spell it right my mom destroying it yeah sorry putting so is it is it paid for it is okay it's a $25,000 truck sitting in the garage and then got hail damage cuz your mother's a doofus yeah she took it out that night and she's been driving it around town okay um is the truck back at your Grandmother's yes go pick it up and put it in your basement okay okay and um lock it up in inside where no where they have to braking and entering would have to be required to get the truck all right and then tell your grandmother that she needs to sell the truck and tell your grandmother that we're cutting your mother off part of the reason is your grandmother's allowing this too but she's 80 and she asked you to take care of everything and you're going to have to be a little bit tougher kiddo you're getting walked all over I know I feel bad because it's my mom and then she gets mad at me that I don't give a crap about your mother's feelings she's a crook she is yeah you don't get to have feelings when you're a crook she clearly doesn't care about yours she truly doesn't care about anybody except herself so yeah how old are you um 39 okay all right so your mom has done power plays her entire life over you and over everyone else no one has ever told this woman no successfully and you're getting ready to be the first one congratulations you have to it's your job I I do need to or you hand your grandmother the keys and all the debit cards and you need to turn your back and walk away and just let this whole thing explode one of the two that sounds good but either if you're going to have your name on this saying I'm helping Granny you got to do it you can't just sort of do it and when I do sell the check should I apply to the principal because my grandma still ow 65,000 on the house how much of is that the only money she's got 18,000 and then she's got the truck and what else has she got oh that's all she had and what does she live on Social Security yeah okay uh it doesn't matter you can use it you can set it in the emergency fund I'd probably just set it in an emergency fund but you've got to have the 18,000 plus the proceeds of the truck where your stinking mother doesn't get her hands on it got it yeah a bank account that you open up and it Go the money goes in there period okay and and no one has access to it period it's for the use of your grandmother to pay her house payment and uh help her supplement her monthly because social insecurity won't do it okay you are too sweet darling I'm trying to get you mean yeah I know I want to cry I'm gonna I'm gonna throw some grit down in your coffee just stir it in there get you some sand okay you're just a sweet you're just a sweet little person and I'm I I'm ready to go get your mom for you my gosh what a woman you love your grandma right Lindsay bu you love her then love her enough to say no to Mom and be mean cuz you're protecting Grandma you're not being mean when you tell someone they can't steal money that is not mean that is just like facts that's facts and stuff George you can't steal my money that's not mean criminals are difficult to deal with Dave they're very H you know but no this is a boundaryless right here she just this woman no one ever tells her no she thinks everything is hers even when it's not these this is way thieves think she's the queen and we're the sorry people exactly yeah that's exactly right so unbelievable I'm going to teach her a new word no it's a new word for her she she can form it is no can you do that Lindsay can you can you stand up to her and stop all this or not I will tell her no you got to stop it you got to set the structures in place where she no longer has access to any of this money she never gets another dime because you're so smart you got it okay and if your mama's mad so what get in line create your free every dooll budget today the simplest way to budget for your life