My Dad Won't Let Us Move Out Until The Debt Is Paid Off (I'm 47)

[Music] brought to you by the Every Dollar app start budgeting for free today oh thank you for taking my call i prayed and God put you guys I'm like I'm just going to go to the top my pastor's kid here so Oh hey you're talking to a pastor's kid i Yeah I didn't know i'm like do I go to my dad my brother i'm like no I'm just going to go straight to the top and about money and and call them so thank you for taking That's brave i'm glad you made it through you're here for a reason what's going on Julie lay it on us all right i'll be fine i can feel the weight that's on you right now i can too i'm really interested about what's coming our way here okay go Julie i just got through a pretty major health crisis that could could have killed me major surgery i think we stopped counting it 17 hospital stays last year oh my goodness julie so and then I had complications and was admitted four more times um the problem is my parents have taken on some of the medical debt and we had to move in with them while this has been going on now we owe them 50,000 uh I don't know about 16 months ago we decided to do the um financial abuse you know the Dave Ramsey program and um which I refused to do because you were running me so much and like dad I didn't want to do it i'm like no it's dad telling me what to do but we paid off almost 28,000 already and medical debt so it works and we have our thousand um in our checking account and we're doing snowball how much is left now so now all that's left is my my mom and dad put 50 grand on like 6% in credit cards and they're coming up to expire and go to 30% they're afraid they're going to lose their house hey George here in the control booth and I bet you're wondering what they're going to say next get out of debt sell the horse yada yada yada the advice may be predictable but the internet is anything but you see your personal info is out there up for grabs by shady companies ready to add more scam and spam to your life and that's why I use Delete Me delete Me will scrub your data from all of these sites so that you can focus on the Ramsay Show instead of who's buying and selling your info and Ramsay fans get 20% off at jointdeme.com/ramsey or by using the link in the description below so go take control of your privacy as soon as this call is over they're afraid they're going to lose their house oh my goodness i why would they take this on it it was why couldn't you just go through the hospital to pay them and be in debt to the hospital where you could actually negotiate thinking and it was partially dental and cars it was a little bit of cars dental and medical those three things and my dad food in health big heart you know driving me to appointments and my husband's working just a lot of um lot of love but we all agree we made a terrible mistake we just never combined it um and now here we are and we my husband um we've been married 25 years and he has never been sick never did a doctor and he works a very very dangerous job um there's been two deaths out at the plant in the last 6 months and he fell with extremely high blood pressure and was put on um what is that temporary disability for 6 weeks so he's struggling with his health and he doesn't My question to you is this is where the the risk is with my parents he doesn't know why we can't move out continue Dave Ramsey which we have a you know track record of doing it and and be on our own heal it's a lot better for him with the rotating graveyards to have a quiet dark room right now we're in a small house one little noise why can't you move out Julie he My dad's like if you move out and you're not going to be able to do these he wants us to do his plan i want to do D what's What is your dad's plan okay I'm going to go back to this hold on a second before we even get I don't even care about dad's plan because we're going to get lost in details that don't matter you called you wanted our help i'm going to ask the question again why can't you and your husband move out my dad wants us to stay until the debt's paid back to him okay i'm going to ask it a third time i'm going to ask it a third time and you're going to see where I'm going okay why can't you and your husband move out of your parents house we can we can afford both then that's what I'm getting at thank you sir in the lobby he was tracking with me uh it took three times Julie but listen this is why you called my parents no no listen there it is that's the real reason that's the real reason and you have a lot of respect for your dad you also feel a massive amount of guilt the heaviness that George The heaviness that George felt at the top of the call is guilt well I got news for you yeah I deal with that well I I I got news for you you've done nothing illegal you've done nothing unethical it just happened to me yeah yeah but you guys did some nonsensical things with the credit card money stuff was really But here's the deal your dad doesn't get to tell you what to do you guys have been married 25 years how old are you yeah yeah I'm 47 my husband's 51 and he hit my husband's telling my father we have a meeting tomorrow so this call is perfect timing they don't talk about it are you are you holding your husband up in other words if if you had already given him the green light uh would he have already moved you guys out um yeah i think I'm part of the problem maybe cuz I'm so concerned about my parents and I think my dad's living in the what if is what will co happen it's not his life george I want to bring you in here i've been I'm just here's the deal your dad decided to take on that credit card debt in his own name that's on him and so he cannot guilt you or manipulate you into doing anything so have a written agreement of how we're going to pay this back and it's going to have nothing to do with your living arrangements he's holding you in a prison you know what's gonna happen miserable you know what's gonna happen you're gonna end up hurting your husband while trying not to hurt your dad well that's my fear is because my husband he's his blood pressure because of the stress of the job just imagine an oil rig that on land it's so dangerous julie Julie Julie Julie Julie you're taking on the weight of the world julie stop god bless you i want to give you a hug i I don't want you to feel me criticizing you but I want you to hear me i can take it no no no no i'm not I'm not criticizing you but I'm trying to be so blunt with you this is what I Your husband needs you to support him period there is nothing else i lose my husband i mean then move then he needs a new job and that's going to be a new chapter for you guys i wish we could call him right now and tell him he's here right now he is say hi yeah you want to say hi to Jake jake jake can you hear us hey guys how you doing hey Jake julie wants to support you so you got to make the man move now we just talked to her about it we told her she she's got to follow you she wants to follow you but she's also trying not to hurt dad so now it's time for you to go babe it's going to be okay i'll support you dealing with whatever dad's going to throw at you but we are going to leave and cleave we got plans tonight we're going to Home Depot we're buying some boxes and we're going out and by the way we're not asking permission are you willing to lead sir yes sir well and that's been the whole challenge no no we got to go i'm so sorry i got a commercial break i'm not being rude lead go get the boxes now create your free every dollar budget today the simplest way to budget for your