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The Ramsey Show

Don’t Let Your Present Reality Define Your Future

Thu, 13 Mar 2025

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan George Kamel & Dr. John Delony answer your questions and discuss: "My parents sold their farm 2 years ago to my sisters for $1," "How do I pay off $230k of student loans?" "I can't drive my truck due to a title issue," "What's the impact of pausing retirement?" "My husband wants to amend our prenup," "My husband isn't on board with the Baby Steps" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today!  Next Steps 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 🏠 Get organized and prepared to buy or sell a home.  🤓 File your taxes with 100% accurate software that’s 20% of the price. 💵 Start your free budget today. Download the EveryDollar app! 🎟️ Get Tickets to the Money & Relationships Tour 💰 Don’t pay extra for simple tax filing needs. File your taxes with 100% accurate software that’s 20% of the price Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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Transcription

Chapter 1: What is the main focus of The Ramsey Show?

15.788 - 35.561 George Kamel

Live from the Ramsey Network, this is The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships. I'm George Camel, joined by Dr. John Deloney, and we're taking your calls at 888-825-5225. You jump in, we'll talk about your life, your money, your relationships, whatever is going on.

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35.861 - 44.527 George Kamel

We're going to put it out in front of everyone to help you take the right next step. Jillian is going to kick us off in the great city of Scranton, Pennsylvania. What's going on, Jillian?

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45.475 - 64.793 Caller

Hi, thanks for taking my call. Mine is not so much a money problem. My parents sold our family farm to my two oldest sisters without telling me, without telling anybody, without a conversation. I found out accidentally. I'm just wondering how do I deal with the lack of respect?

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65.854 - 67.475 Dr. John Deloney

Oh, man. What's the story?

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69.404 - 80.799 Caller

The farm has been in my family since 1852. It is totally my mother's farm. I understand that. It is her choice to do with what she wants. I don't have a problem with that. I'm happy it's staying in the family.

82.183 - 87.047 Dr. John Deloney

I have a problem with it. I have a problem on your behalf. Sounds like she has a problem with you if she left you out of this.

87.127 - 91.611 Caller

Why? Thank you. Thank you. Thank you. Thank you. I didn't even have to say anything.

91.671 - 106.964 Dr. John Deloney

You're welcome. If my mom just gave the kitchen table to my sister without at least letting me know, I'd at least be like, really? Right? I mean, that's a huge thing. You have a right to be upset. Yeah. Be upset. I'm not even supposed to know.

107.004 - 124.331 Caller

Here's the kicker. I'm not supposed to know. There is no one who is supposed to know. I found out Let me rephrase that. My son found out by accident. So I'm really not upset. I'm glad it's staying in the family. I'm upset because of the lack of conversation, that she didn't trust me enough to have a conversation with her.

Chapter 2: How do I handle family disputes over inheritance?

369.073 - 383.136 Caller

And be okay. I'm upset for my daughter because she loves this property. She loves this land. Is she not allowed to go on it? She is. In fact, she's living with my parents. Great. When my daughter and I had an argument, my parents took her in.

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383.396 - 408.08 Dr. John Deloney

Okay, so great. I don't think you're being honest. I'm grateful for that. I don't think you're being honest with yourself. You are upset, and it's okay to be upset. And it may come a day when your sisters sell this to your daughter. That's a problem in the future. Right. That you have no control over. You have no control over it. Let's just exhale and say, I can feel my feelings.

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408.12 - 425.331 Dr. John Deloney

I'm allowed to be sad. And my daughter's living with my parents. I miss my daughter. Maybe you want to repair that relationship, et cetera, move on, on, on, whatever. But let's stop trafficking in the here's the thing they did. Yes, what they did was not cool. I'm all about having values and I'm all about putting a stick in the ground.

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425.811 - 432.306 Dr. John Deloney

But an adult has a hard conversation if they're going to do something when it's related to values, period. Right.

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432.506 - 437.647 Caller

And since they chose not to, I just, I ride then, like, say nothing to them.

437.667 - 457.452 Dr. John Deloney

I mean, I know, but... What's it going to solve? They've already proven themselves, what they think of you, and your ability to have a conversation. Okay. I mean, so, behavior's a language. You can clearly see what they think about your ability to have a hard conversation. And you've been able to see their character.

458.932 - 471.61 Caller

Correct. And I would say, I... I'm going to say it's my mother. It's not my father. I think he would have had that hard conversation because he's not afraid to. Is he still alive? Oh, yeah. He's very much on the line.

471.63 - 473.212 Dr. John Deloney

Then he's not absolved of this either.

475.133 - 479.897 Caller

No, but it was always in my mother's name. It was never even when she came into it.

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