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[Music]
If your private student loans are in
default, you're not out of options. Go
to yrefi.com/ramsey.
>> Today's question comes from Kathy in
Arizona. I've been a health care worker
for many years and became close to a
patient while she was in the hospital.
That was 23 years ago and we've stayed
friends since. She's now 92 years old
and a widow. She has a son and a
daughter who don't live by currently or
don't live nearby. She has been
estranged from her daughter, estranged
from her daughter for almost 15 years.
Her son calls periodically to check in
on her. She recently revised her will to
remove her daughter and put me second in
line if something were to happen to her
son first. Should I be worried that her
daughter could come after me legally?
She has not told either of her children
about the will details. I want to help
her, but I feel like I'm getting in the
middle of family drama. What are your
thoughts?
>> You feel like you're getting in the
middle of family drama because you are
in the middle of family drama. That's
why it feels that way.
>> Yes. Wow.
>> So, no. Legally, no. She can't come
after you. If there's a will in place,
>> you haven't done anything wrong.
>> Yeah. She She can't
>> You haven't done anything wrong.
>> But I would encourage her to talk to her
kids about this.
>> Yeah. I I would go further than that. Um
because
>> Would you say no to it? I would say I
don't want this unless you have told
both of your children,
>> which would involve her talking to her
daughter that she hadn't talked to in 15
years. So, she's not going to do it.
>> But I just because let me just tell you
I I would tell you there's a 100% chance
that you're going to be involved in
drama.
Did you do anything legally or ethically
or morally wrong? No. None of those
things. But that doesn't mean you're not
going to end up defending yourself or
the daughter's going to come in and file
suit and say, you know, you mom wasn't
competent and this nurse took advantage
of her and try to call you out on
medical ethics
>> or something like that. And none of that
is true based on what you've told us,
Kathy. And it doesn't I mean also it's
been 23 years so that you know but um
you know this is um it's a it's a sweet
gesture by a lady who doesn't do
conflict.
This lady's a sweet. She doesn't want to
deal with her daughter, but she doesn't
want to leave her daughter anything. So,
she wants to take one last poke at her
from the grave, you know, and it's just
like, nah, I I really don't want to be
in that. I'm sorry. Um, if you know,
100% chance there's going to be drama.
The only question is how much?
>> Yeah.
>> I mean, just
>> Okay, here's a really shallow question.
Does it matter the amount to you?
Is there an amount that's worth the
drama?
>> That's I guess that's an individual
choice.
>> Yeah.
>> Yeah. I mean, if there's $20 million,
you know, there's Let me tell you, I I
would tell you this. Here's here's a
interesting answer to that. I'm just
making this up because it's a fun
question. I appreciate it. Um, the more
money there is, the more drama there's
going to be.
>> That's probably true. Sure.
>> Yeah. If she's leaving her $62 and her
snow globes,
>> um, your snow village The daughter's
going to go, "Good luck with that, mom."
You know, crispy, extra crispy, where
you're going.
>> If it's 20 million, she's going to be
coming.
>> If it's 20 million, the daughter is
going to be going medical ethics and
dreaming up anything else she can dream
up. And this this nurse has hypnotized
her 23 years ago and stolen my mother
away. And you know, I mean, you're going
to hear all you're going to hear all
that, but the more money, the more
drama.
>> Yeah, for sure. I think that's true.
Drama is already here. Drama has
announced itself. It's got an engraved
invitation to the party. Uh the only
question is how much it's going to show
out. And I I would say in ratio to the
amount of money.
>> So uh I I think that's right. But now
how much do I want to get involved? How
shallow am I in that regard?
>> That's a good question because I mean
you know honestly I don't want a lot of
drama in ratio to the money.
>> So um and and so if it's $67 and four
snow globes I don't want to be involved
at all.
>> Yeah. for sure. No.
>> And so it's not worth it at all. And but
you know, if the only time you you would
think about it is if there was more
money. I don't guess that's shallow. I
guess it's practical.
>> Well, I just
>> I'm going to have to put up with some
crap. Is it worth it?
>> Right. Right. That's the question.
>> And again, we don't know it all, but I
mean the story, you know, there could be
a story that that she's I mean, who
knows? some multi-millionaire sweet kind
woman and this nurse has befriended her,
been kind to her, has kids of her own,
and this and that's how this 92-year-old
wants to leave her legacy. Um,
>> I don't think it's a problem. I don't
think you've done anything morally or
ethically or legally wrong, but that
doesn't mean you won't defend have to
defend it.
>> Yeah, you're going to be in some drama.
>> You won't have to defend it. So,
>> yeah, but I I would encourage her to
talk to the family about it.
>> In America, you can sue anyone for
anything. You can just make it up.
>> Yep.
>> If it's not true, you can just say a
bunch of stuff and put it in the
pleading and file a lawsuit. Happens all
the time, boys and girls.
>> Good luck, Kathy. Let us know.
>> Oh, wow. What a mess. Why refi
refinances defaulted private student
loans for struggling borrowers. Learn
more at y rey.com/ramsey.