Should Single Women Buy Houses Without A Man?

[Music] Brought to you by Y Refi. Refinance your defaulted private student loans today at yrefi.com/ Ramsey. Today's question comes from Kate in Michigan. I'm a marketing professional in my early 20s. I started my own business and I earn over $150,000 a year. Congratulations, Kate. I have close to $125,000 saved as a down payment on my first house. I've always wanted to be a homeowner and I'm confident this is what I want to do. But a lot of people around me are pressuring me to not buy a home. Oh, good gravy. Because of Christian beliefs that girls >> I'll just I'm reading it how she wrote it. That girls shouldn't buy home and men should be providers. >> I don't have a boyfriend so I'm not getting clo Dude I can't finish this. I'm not even close to getting married. What would you advise your daughter to do? Leave the cult. >> Leave whatever madness and misrepresentation of Christian beliefs and ethics and right and wrong immediately. >> That is not a Christian belief, darling. >> No, >> that's a cult belief. >> God almighty. I would advise my daughter to buy a house with $125,000 she has saved as a down payment. >> Keep being the studat that you are and hope that some guy is lucky enough to even catch your eye. Oh my god. Geez. This is so fast backwards. You people. Unbelievable. Some of y'all are just really screwed up. And then you put a cross over the top of it. You kill me. You make the rest of us that love Jesus look like we're morons because you're a when you do stuff like this. That's just nuts. >> I can't. This burns my butt. >> I don't have any I don't have any words to say here, man. >> It's just I hate bad doctrine and bad theology and how it affects people when they get in toxic situations. So, I'm sorry, darling. Your mother and father have misled you. Leave the cult. >> Yes. >> Because that's where this crap's coming from. >> I mean, that's I don't have any other words to say that aren't going to get me. >> I don't You don't think I'm not going to get it? I don't give a crap. >> This is stupid. >> Been doing this a long time. What are you going to do? Get mad at me and leave? I mean, you you and I guess that'll leave us only 60 million listeners. Oh, well. Okay. Darn. >> I don't Is this real? >> Oh, it's definitely real. You were on a podcast the other day. I was. You're right. You're right. You're right. You're right. >> You were in the middle of one of these dad gum things. The girls, >> you know who usually start Okay, cool. Let's just You know who says this crap? Men who are afraid of losing control of women like this >> and they're not as ambitious and they don't have as much get up and go and they even stand up next to a woman. >> They take their insecurity and fear and try to duct tape Jesus on the top of it to uh keep their crumbling kingdoms from coming out from under them. Kate, you're amazing. Good for you, >> Kate. You're you're an absolute incredible human being. Jesus, go shine, girl. >> Go shine. And just pray. Have Have some guy pray that he finds a woman as good as you to sign up with. Oh my gosh. I mean, if you've got a son out there and you're looking for I mean, Kate is a good one >> in Michigan. >> Yeah. Well, she's former cult, you know, but she didn't she does have that. >> She'll have some counseling necessary. PTSD out of this cold. It's going to be painful for a minute. But >> darling, you are >> I'm being a little bit melodramatic, but not much. >> But not really. Um >> I I'm I am going to strongly encourage my daughter to a I'm going to give her a picture of what a healthy marriage looks like because I want her to think I want to be a part of that institution. I want to be a part of this thing because my mom and my dad laugh a lot. They've got a ton of joy. Their finances work together. all the stuff that the data tells us. I want her to have a ringside seat of how amazing this thing is that that my mom and my dad have. That's number one. Number two, I'm going to teach my daughter how to work hard. I'm going to teach my daughter how to do things on her own. Learn how to do stuff. Change a tire, fix a faucet, work really hard outside. Um, she was out doing some crazy hot yard work the other day. She's nine and I pay her well and take care of it. Anyway, I want her to be able to know how to do >> the salt mines on Friday. >> She's not doing that. That's where my son is right now. But I want her to know how to do hard stuff. And yes, dude, if she says, "Dad, I want to start my own business. I think I can make 150k a year." I will be I will be shoving my her mom and I will be pushing each other to see who's going to be the biggest cheerleader. And we're going to say, "Go get it." And if she says, "Dad, I have $125,000 as a down payment. I don't have any men that are worth my time yet." I'll say, "Can I go house shopping with you?" That's what I would say to my daughter. Period. End of story. >> Ding, ding, ding. >> Tada. God, this gets me fired up, Dave, man. Uh, I think we probably ought to stop. Heidi's in Casper, Wyoming. Hey, Heidi, what's up? >> Oh, not much. Thanks for taking my call. >> Sure. How can we help? >> Um, my husband and I are debtree and we about two and a half years ago sold a business and have kind of taken the last two and a half years to just figure out what we want to do in life. And he has recently gone back to work, needed some purpose, went back to work. um doing something he loves, something he cares about. So, he does home inspection and he went to work for a a guy and um he has been there for let's say four and a half months and he he loves it. It's been great. recently he has asked for a few days off and essentially the employer has denied him taking any time off and he's not asking for paid time off. He's just asking for a few days here and there so that we can enjoy our family. We have kids that are almost out of the house and we'd like to take the time to con, you know, to create memories during that um during the summers and stuff and he has he has denied him taking any time. He doesn't make great money. Um, but again, he loves it and so it makes it worth doing it for him. Um, he has the opportunity to actually he has all the skills to go do it on his own and he is going to have a would like to have a conversation with the employer and say look here's here's can we make something work but he's pretty certain that he's going to say no that's not going to work morally. So my question is morally would it be wrong he didn't sign an oncompete for him to open his own and do home inspections for himself? >> No. Not at all. And that's what he should do as long as he doesn't take clients from his former employer. >> Okay. >> So if the former employer works with uh Susie Q real estate agent and he g Susie Q gives him all the all of her sales uh for inspections, you can't use her. Okay. >> You can't steal from the guy >> contacts that you found by working for him. That would be unethical. >> Okay. >> And for whatever it's worth, I want to put another here. I am sympathizing with the business owner. When my resident's life staff worked for me at the university, they all knew nobody can take vacation in August because we have thousands of young people moving in and it is day in and day out until we get these buildings ready >> and everybody everybody knew that. >> So if a part of the home inspection business is the chaos months are June, July, and August >> and not even that. If the part of the home inspection business is this guy hired you to work full-time and you don't want to work full-time, >> that's on you. That's not on him. He's not being unreasonable. He's not being unreasonable. >> Right. And he >> Okay. >> He hired a guy to work full time and the guy doesn't want to work full-time. >> Yeah. And if he said it's flexible and take some time off, >> well, well, I think we didn't have a good definition of flexible, >> right? He might say it's flexible in November and December, right? >> Or he might say it's flexible one day every six months. And you guys want to take you guys want to take five days a week. I don't know. I mean, I don't know what flexible means, but and I don't think y'all >> ask for three days. >> I know, but in your mind, that's perfectly reasonable, but you're financially independent. Used to be self-employed. This guy actually thought he hired an employee, >> right? >> So, no, you're you're being unreasonable. He he has a reasonable right to ask the guy ask your husband to work full-time. Now, uh, except for the part where we didn't both agree on what flexible meant, >> right? >> But I don't use that word around here because I'm not. >> He tried yoga and it was a disaster. >> I broke the yoga. Why? Refi refinances delinquent private student loans for struggling borrowers. Learn more at yfy.com/ramsey.