Darlene
Appearances
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
Weed Man and Gambling Synonymous think that they can just keep taking money from us when I'm trying to stock it away and pay down things.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
They ask for money so regular that I have the ringtone that comes through. It's basically... Okay. Doing the sound of money. Okay. Are you giving it to them? Thank you. The last few weeks, I've told them, no, I'm broke. I'm so flat broke, I can't even pay attention.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
For two of them, three of them, it's been great. For one, of course, she had a problem with a car, which we loaned her money for so that she could. And we're still waiting three weeks later for that money. Just like the daycare is waiting for money.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
My husband says we're burned and we're not getting any Kentucky jelly when we loan out this money. And we're over it.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
Yeah. If you're going in for a gynecological checkup.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
He is. He feels so burned and so disappointed in the path that we've led our children on with make do, do without, wear it out, or go without, because that's how they were raised.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
I'm thinking I need to probably get one of Dave Ramsey's shirts that says we got food at home because that's a lot of them. They think my husband and I live on what? Four hundred dollars a month for groceries.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
No, but we have a granddaughter who lives with us most of the time that we take care of.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
That's the 25-year-old. She's married to kind of the weed man, like I said.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
The one quit her job working, and the dad's no better. You know what?
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
Our grandchild is in the situation where if DCFS walked in and saw the slum, the filth that she lives in, because she actually went to court before with her mom and her aunt and told her mom at three and a half that the cops should go arrest the mom.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
I'm wondering if you can help me figure out how to. get rid of a disease that my children have that's called brain and butt syndrome. My husband and I are retiring and we are paying down debt. And we're within 180 days of retiring and walking away from 50 years in education. And our 25-year-old, 28-year-old, 31-year-old, 36-year-old think that we are called the bank.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
And I am tired of them wanting to know if They can gladly pay me Tuesday for a hamburger today. I'm done. And I want to divorce them. How do I divorce them? Wow.
The Ramsey Show
Credit Is a Crutch—It’s Time to Walk Without It
No, I am a poor little person with a bachelor's degree who's worked my hiney off for 45 years with my husband to acquire a property. And we have our goals in place. We have a retirement date. We have an IMRF pension date. We have a Social Security date. And a few of the children who seem to have the problem called...
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
Well, I have to say yes and no. I know he's not been that great with money, but to this extent, it's new. How I found out, I'll try to keep it short, but you know how you have you connect with your vehicles, and I was pulling up in our driveway from running Aaron, and his phone actually connected.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
He was on the line with, I guess, some loan agent from his loan company, and I heard something about a forbearance or a deferment. And so I sat in the driveway and tried to listen as long as I could. And then the call disconnected. And then I came in and went downstairs and confronted him. And even though I confronted him on this, he still continued to lie about how far behind he was.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
We haven't really set a date, to be honest with you. I've been comfortable with just the engagement the way that it is, and I just – I want things to be more stable. All right, so how can we help you?
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
Well, I mean, I obviously don't expect any type of relationship or marriage counseling. I do know I'm good with money. I think everybody can always be better with money. What I want to do is to be able to get him to sit down and to be completely honest about finances in general, no matter how bad it is.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
We really need to get to the root of the problem and to be able to sit down and look at his finances, my finances. I agree.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
No. When I confronted him and he knew that I heard the conversation on the phone, I tried to sit and Google in front of him what deferments were and what forbearances were just to educate myself. Because you weren't sure. Yeah, and try to figure out what he was actually doing and what his plan was.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
And when I started reading off and trying to figure out whether forbearances added on to the back of your loan, to the end of your loan, or if it's a balloon payment, And I looked at him and I said, well, forbearance to say that you have to be four months behind. I said, you just said you were a little bit behind. And what did he say to that? He said, no, I don't want to be that far behind at all.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
Well, then there was another lie. He was already four months behind.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
We have a few times, yes. It's been little conversations and when it kind of gets a little bit more heated, we step aside a little bit and take another day and then sit down and look at it again so we both don't get so upset or he doesn't feel attacked or any more ashamed and he says he feels like a failure and...
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
Hi, how are you? I called in on the show just to try to see what kind of help we could get and guidance in regards to my other half has been hiding some things financially, and I'm having difficulties with that and trying to get to communicate with him to resolve so we don't lose our house.
The Ramsey Show
Math Is Important but Behavior Change Is What Matters
Well, he's always not been real good with money, but, I mean, he does try his best. And even though we're just engaged, we don't have our finances together. He pays his things on his own, and I pay things on my own. We've never really sat down and gone over our finances with each other, but it's just he's got himself in a predicament.