We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode Are You Ready To Go Scorched Earth on Your Debt?

Are You Ready To Go Scorched Earth on Your Debt?

2025/1/17
logo of podcast The Ramsey Show

The Ramsey Show

AI Deep Dive AI Chapters Transcript
People
A
Amanda
A
April
C
Christy
H
Haley
K
Kimberly
L
Laura
S
Sam
通过削减开支、获取电销职位和启动咨询业务,实现从零开始的企业家之旅。
S
Shannon
Topics
Shannon: 我和前夫共同购买了一套联排别墅,供孩子们上大学居住。离婚后,由于大女儿的名字在房产证和抵押贷款上,房产分割存在争议。前夫要求女儿参与房屋再融资,但我担心这会影响女儿的财务安全,因为这是一笔60万美元的抵押贷款,女儿无法承担。 我的律师表示女儿无需参与和解协议,她的签名只是确认协议的存在,并不具有约束力。目前,房产证和抵押贷款上都有我和前夫以及女儿的名字。我希望确保女儿的财务安全,避免她承担无法承受的债务。 前夫的行为反复无常,我担心他会停止支付抵押贷款,导致女儿面临被取消抵押赎回权的风险。我需要为女儿提供正确的财务信息,帮助她做出明智的决定。 George: Shannon, 你女儿不应该参与到这笔60万美元的抵押贷款中。这笔贷款金额巨大,远超她目前的收入能力。她不应该承担如此大的经济风险。最好的做法是让你的女儿搬出去,自己找地方住。这笔房产从一开始就不是一个祝福,未来也不会是。 Dr. John Deloney: Shannon, 你应该和你女儿坐下来好好谈谈。告诉她,这笔抵押贷款对她来说是一个巨大的财务风险。她父亲的行为并不值得信任,他可能会停止支付贷款。你女儿应该避免卷入其中。你应该支持她独立生活,让她自己承担经济责任。这不仅仅是一个母亲和女儿的问题,更是一个数学问题。你的前夫正在利用你女儿作为这笔交易中的棋子。即使你女儿知道这些风险,仍然选择参与,那也是她自己的选择,她需要承担后果。

Deep Dive

Shownotes Transcript

💳 Share your thoughts and you could WIN a $500 Gift Card!)

💸 Start taking control of your money in 2025 at our free livestream )

George Kamel & Dr. John Delony answer your questions and discuss:

  • "My ex-husband is coercing our daughter into a $600,000 mortgage,"

  • "How do I start investing for retirement?"

  • How the California wildfires impact everyone,

  • "We think a bank employee is embezzling money from our bank account,"

  • "My parents bought whole life insurance for me as a child,"

  • "We regret purchasing a fixer-upper,"

  • "Borrow from my 401(k) to pay off debt?"

Support Our Sponsors:

Next Steps

📱 Listen to 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!)

**📈 **Are you on track with the Baby Steps? Get a Free Personalized Plan)

💵 Start your free budget today. Download the EveryDollar app!)

💪 Invest with confidence! Get tickets to Investing Essentials)

💰Watch 90-Day Money Makeover.)

🏘️ Free Tools & Resources to Reach Your Home Goals)

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)

💼 The Ken Coleman Show)

📈 EntreLeadership)

Learn more about your ad choices. https://www.megaphone.fm/adchoices)

Ramsey Solutions Privacy Policy)