Skip to comments.Dave Says Don't be a Bum
Posted on 08/06/2012 9:31:00 PM PDT by Altariel
My 27-year-old brother-in-law moved in with us some time ago. He doesnt have a job or contribute anything in terms of helping around the house or with bills. I think he needs to move out, but my wife isnt so sure. She complains about the situation to me, but if I say anything, it makes me the bad guy with her family. How can I convince her?
I think you need to sit down with your wife, not all the other players, and gently explain to her that youre just enabling his bad behavior by allowing things to continue this way. Responsible adults dont behave like bums, and I dont give a flip what the rest of the family thinks. Its your house, and this issue is between you and her. You two are the only ones having to deal with this, so its really easy for others to chime in about what should happen. But hey, if theyre so concerned with the guy having a place to stay, maybe one of them should take him in. Ill bet that idea would shut them up in a heartbeat!
Im not advising you to just kick the guy out, but maybe you could formulate a plan that will give him a little time to get back on his feet. Have a loving talk with him about the situation, but let him know things cant continue on the same path. Let him know that within 30 days he has to have a job, and 30 days after that he has to move into his own place. Write it down on the calendar, if it will help, but make sure he understands why youre doing this and the date he has to move out.
I know these kinds of things can be difficult, but sometimes you have to take the bull by the horns and make something happen. Theres no reason it has to become an ugly situation, as long as you and your wife get on the same page and you do things in a helpful and kind way.
My husband and I just finished Baby Step 1, and we have our $1,000 in the bank for an emergency fund. Our daughter may have to have kidney surgery in the near future. Should we beef up our emergency fund, or move to Baby Step 2 and the debt snowball?
I know Im the get out of debt guy. I want everyone to experience what life can be like when theyre debt-free and dont have to send their paychecks out the door to creditors every month. But this little girl may need the kind of help only doctors and hospitals can provide. So, for now, lets push the pause button on your Total Money Makeover.
If I were in your situation, Id pile up as much cash as possible. Live on a budget thats tighter than tight and scrape together every penny you can find. Hopefully, your baby wont need surgery. But if that kind of thing is a possibility, the only smart thing to do is prepare for the accompanying financial hit your family will experience.
Dont feel bad about this either, Noel. If the surgery is necessary, you guys can jump right back in and start your debt snowball after your little girl is healed. But right now, baby comes first. And if youve already got $1,000 saved, youre off to a good start when it comes to handling things!
* Dave Ramsey is Americas trusted voice on money and business. Hes authored four New York Timesbest-selling books: Financial Peace, More Than Enough, The Total Money Makeover andEntreLeadership. The Dave Ramsey Showis heard by more than 5 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
Dave Ramsey ping!
Hey Chuck, take the 27 year-old slacker by the neck and throw his ass out the door. It’ll be the best thing anyones ever done for him. Sometimes the less you do for someone the more they’ll do for themselves.
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