"Please Don't Do This"

brought to you by the every dollar app start budgeting for free today me and my dad were living with my grandmother and she recently passed away I'm sorry thank you the situation I guess that we were looking to buy the house and I didn't really want to buy them up it was given to me and that wasn't conversation but we didn't quite get to it and my dad has always been supported by her and he had since she's passed is still not really going to work the reasons why he never really went is because he's an alcoholic my boyfriend he wanted to buy the house and I'm a big fan I know you're not supposed to do that so we did start the process of the mortgage lending and now my boyfriend doesn't make enough and then my dad's credit is too bad so it really would only work if all three of us were in on it but now that my dad still isn't proving to me that he can go to work I guess I'm just looking for financial advice like to do here please please please please don't do what you're about to do yeah please don't do that you know in your guts that this is not a good idea please don't and I know it'll be hard it'll be uncomfortable and your dad will get mad and you're gonna feel guilty all those things please don't do this yep because I'm still in debt my boyfriend is still in debt think of it this way think of it this way the bank's job is to lend money and they looked at your boyfriend and looked at your dad and they said your situation is so uncertain and safe that we can't we will not do business with you please don't like not to mention that you get the you know the mass and the legal mass of buying a house with a boyfriend and how to untangle all that mass and I know you're gonna be together forever because we're in law I know but we would have a show if that didn't work out all the time and then you throw a dad with some significant challenges man it is just a recipe for you being just destroyed financially your romantic relationship ending up in ash and then you and your father having no I mean you if you tangled business with substance abuse with lifetime of y'all you two having challenges with grief I mean it's just such a rack walk away go get an apartment please please please hold on you Emily I am 24 yeah no please don't yeah there there are so many so many things in this and in a weird way too Emily I feel like sometimes you can call it God you can call it life whatever you want there's just closed doors that happen and it's like they're keep there's closed doors continuing to happen you have a conversation with your grandma the bank isn't allowing you know your dad to fully have it and then also then the boyfriend and then you're gonna have to come into play I mean like do you do you like there are all of these things that are stopping you and and I think is it is it your sentimental you know the sentimental idea of owning this house from your grandmother or is it just I want to own a house like what get give me some of the thought behind it for you right so this year was we just got on the you know my boyfriend and I were like hey we're gonna pay up our debt we were gonna you know get engaged and buy a house this year but then when this happens I guess now it just kind of feels like you know I know my dad is that credit and it when he gets this money from once the house is sold there's three other brothers so he'll probably get like fifty thousand dollars I don't think it's bad he's just gonna drain it he can't go buy a house I guess part of it kind of like an obligation to what's gonna happen to him I know that's not my responsibility and I thought it would be easier to move on until it really came to like I don't know what he is gonna do you know this is a really really hard thing for me to say yeah but you can't save your dad in the situation yeah it's not my responsibility I mean I know the cool thing these days is just to write off your parents I don't believe in that and I'll be hanging in theirs as long as you can outside of like really abusive situations and the thought of taking care of my parents like that consumes a lot of my thinking so that's not a bad thing this isn't you helping him with bad financial decisions and this isn't you helping an elderly parent this is you thinking that maybe now he's gonna look at you and say I'm proud of you he's not going to yeah no you're right you've been looking for that since you're a little bit of girl wondering why is he picking the bottle over me and has nothing to do with you it has to do the fact that he's got demons man and I'll call for him works right now and he's gonna have to walk through that yeah understand and I hate that for you I hate it for you I do I really do man and I'm like so I would give you a little bit of word of caution with your boyfriend and even just the mix is a finances as you were saying we were trying to pay off our debt and all this keep everything separate and if you're working to pay off debt that's incredible but be paying off your debts how much that do you have oh yeah yeah me doing my time doing perfect good good yes the number of people call the show and one she's paid off all his debt and he finds some new hot young thing at the water park or whatever we're like you know I mean so yeah you pay off yours y'all can speechless cheerleaders y'all can high five each other but yeah I don't pay off his debt yet okay and so you guys recommend apartment safe to buy the house then get engaged no no get engaged whenever getting engaged today yeah I mean if you guys are doing now get engaged get married yeah I would be completely debt-free and have a fully funded emergency fund of three to six months of expenses and then save at least a five percent for a down payment okay five percent for a down payment okay it says probably gonna be what do you make what was that how much money do you make I make I think it's like 35 after taxes how much do you owe and debt I have once on a loan and it was for my grandma actually to get her boat around if she bought a boat for last summer because she said like is too short and she's got her money so it's a truck at the $14,000 truck can you sell it I'm thinking about it yeah I would sell it this weekend yeah have you looked into if you if you sold a private seller what what it would come to I haven't yet I think it's all kind of just hit me today of like okay I'm not gonna be able to do this yeah for sure I know and I'm so glad you called so I would just go and Kelly blue book type in the information you know it'll ask you some questions and just get don't do it don't do a dealer you know do a private sale you'll get more that way and yeah and that would be cute you're free think about a $5,000 camera that will run forever yes and then you're off to the races and can we can we want you to see this you have a real-life picture most don't have this you have a real-life picture of what it looks like to not take care of your finances to burn yourself to the ground trying to prop somebody else up who's not interested in your help and then asking your granddaughter by a car so that you in your last few months and years can yellow you have a picture of that you know you try to consider what it would feel like to not owe anybody any money to have your own house to have a job we're making more than 35,000 bucks savings in the bank savings in the bank you get I'm saying piece piece piece piece piece the sulfur piece yeah and like Sam the line Christian's gonna pick up and we're gonna give you financial piece University this is our nine lesson course and you can just binge those videos just to kind of watch it yeah yeah you guys sit down and watch it seriously good good good and we'll give you every dollar premium so that you can start really working this feeling of what John saying kind of paying this picture of yeah what does this look like to actually have a plan for my money not only month but in the next three four five six years and it's an amazing thing I mean it is so possible in your 24 years old and you are gonna be able to make so many changes so many changes in this but there's so much your chance yeah no we're so excited for you and there's some relational hurdles there too in your life yeah hey can we make no mistake this is gonna be awful yeah your dad is gonna make you feel so guilty and he's gonna blame you and you can block him and you cannot respond but this be hard but just because it's hard doesn't mean it's not the next right thing yeah and I think for the call stay away from water parks right I'm telling you those boys go water parks and they find new they find new create your free every dollar budget today the simplest way to budget for your life