Lin
@_Lin_inc • 1,532 subscribers
𝐂𝐥𝐢𝐩𝐩𝐞𝐫 | 𝐝𝐦 𝐟𝐨𝐫 𝐚𝐝𝐬
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Caller: “ I have a net worth of about $3 million and my Dad has asked for $55,000 to pay his debt. What should i do?” Caller: My 80 year old father is asking my husband and me for $55,000 to pay off his credit card and car loan debt. Dave: What’s your financial situation? Carla: We’re retired, debt free, net worth between $2 and $3 million but we’re on a fixed income and would have to dip into retirement accounts to do it. Dave: And your husband’s position? Carla: He’s firmly against it. But my dad is very persuasive and I feel guilty saying no. Dave: Carla, the answer is no. You have no moral, ethical, or biblical obligation to fund your father’s bad financial habits especially when manipulation is part of how he’s asking. Carla: But he’s 80 and he’s my dad. Dave: Being your dad doesn’t give him the right to your retirement. And “no” is a complete sentence. Don’t give him an encyclopedia of reasons, he’ll debate every one. Be brief, be gentle, and be firm. Carla: What can I offer instead? Dave: Gift him Financial Peace University. Give him the tools to help himself. That’s generous without enabling the pattern.
Lin7,004,234 views • 4 months ago
Caller: “I’m 26, about to get engaged, but my net worth is way higher than my girlfriend’s. Do I need a prenup?” Dave Ramsey: “Okay, what does ‘different net worth’ actually mean?” Caller: “$50K from my grandparents for a house, $50K in my truck, $165K across my 401K and accounts, $150K left in a college fund… She’s finishing PA school with about $120K in debt.” Dave Ramsey: “And what are you making a year?” Caller: “About $120k/yr.” Dave Ramsey: “You’ve got around $600K to your name at 26… honestly? That’s not enough net worth to warrant a prenup. If you’re comfortable, skip it.” $600K net worth at 26. Fiancée in PA school with debt. Dave says skip the prenup
Lin1,507,784 views • 3 months ago
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Jon Bernthal says his sex scene with Laurie Holden in The Walking Dead was so graphic that most of it was cut “We filmed a sex scene in a green Hyundai with Laurie Holden.” “What we did in that scene was so graphic.” “They ended up using only a wide shot of the car.” “I worked with the camera operator to make the scene feel as real and gritty as possible.” “You couldn’t actually see anything in the final scene, but I wanted it to feel authentic.”
Lin722,613 views • 3 months ago
Tom Holland says he doesn’t want SpiderMan to simply disappear and be rebooted with a new actor (Miles Morales) “I also think we have an opportunity to not do like the Bond thing, where it’s like, ‘There is a Spider-Man, and then there just isn’t a Spider-Man, and then you start again.’” “We’ve had such a beautiful journey with the MCU.” “There’s no reason to tell a story where my Spider-Man, for whatever reason, has to retire and pass the baton onto the next young kid. I think that could be a really cool movie.”
Lin638,269 views • 3 months ago
Tom Holland reveals that the three Spider-Men have a WhatsApp group chat “We actually do have a WhatsApp group.” Tom explained that he bumped into Tobey Maguire at a Japanese restaurant, got his number, and eventually created a group chat with Tobey and Andrew Garfield. Zendaya teased him: “He’s like, ‘I don’t know how it got set up’… but I set it up.” She then revealed that she’s apparently the only one who ever speaks in the chat and they never respond. Tom joked that he messages them: “What’s up, other Spider-Mans? This is baby Spider-Man here! How’s it going?”
Lin656,263 views • 3 months ago
Caller: “I have my daughter $20k for her wedding and she used only $10k now i want my $10k back” Karen: We offered our daughter $20,000 for her wedding, matching what we gave our other daughter. But she and her fiancé only want to spend $6,000-$8,000 and use the rest for a house down payment. I’m embarrassed, 150 guests and a minimal budget feels cheap. Dave: Is the $20,000 a gift? Karen: Yes. Dave: Then it’s her money. She can spend it or save it however she wants. You don’t get to dictate that. Ken: And Karen, here’s the thing, be proud of her. Do you know how rare it is to see a young couple prioritize their financial future over a fancy party? Karen: But what will people think? Dave: Honestly? Half the guests, especially the men, are only there because they have to be. They don’t care about what to eat.
Lin632,420 views • 3 months ago
Tom Holland and Zendaya reveal they never want to do Lip Sync Battle again after breaking their “chill” agreement Tom calls the experience “so stressful,” while Zendaya reminds him they had agreed to keep their performances low key. Instead, Tom went all out with rain, costume changes, sparklers and backflips. Zendaya fired back, pointing out that she arrived in a private jet, used a confetti cannon and showered the audience with dollar bills during her Bruno Mars performance. She also accused Tom of breaking the rules by performing two songs. Tom’s response? “Everyone knows that rules are there to be broken.”
Lin469,364 views • 3 months ago
Zendaya says Tom Holland was recognized as Spider-Man after they were stopped by the police while rushing to spin class “Tom and I were rushing to a spin class with my mother.” “I wasn’t going to do the spin class, he was going to do it, because I don’t do that.” “We were going a little fast because we were running late.” “They recognized that he was Spider-Man.” “We were fine, we got a warning, and everything was okay.”
Lin415,191 views • 3 months ago
Caller: “How do I take back $400,000 from my kids?” Caller: After my wife passed, I was in a vulnerable state and signed a quitclaim deed giving each of my two adult children a 25% ownership stake in my home, it’s worth $750,000 to $800,000. Now I’m preparing to remarry and sell, and I regret the decision. Dave: Do your children know? Caller: Yes, and they view it as their late mother’s dying wish. They won’t sign it back over to me. Dave: Jeff, legally the situation is set. You signed the deed, they own 25% each, you cannot force them to reverse that, and trying to do so legally would likely destroy your relationship with them and paint you as the villain in this story. Caller: So I just accept it? Dave: What you can do is have an honest, loving conversation. Acknowledge that you understand why they see it as honoring their mother. Then explain, gently, why you’re concerned, a large sudden windfall at a young age can be a burden rather than a blessing. Caller: And if they still want to keep their share? Dave: Offer to act as a steward and advisor for their portion. Help them invest it wisely rather than spend it. You may not get the outcome you wanted legally, but you can still influence what happens to that money and protect your relationship in the process. Caller: That’s hard to accept, but it makes sense. Dave: The legal battle isn’t worth what it would cost your family. The conversation is
Lin269,403 views • 4 months ago
Anne Hathaway says Matt Damon and Matthew McConaughey taught her football while they were stranded during Interstellar filming “We were weather delayed in Iceland because of a windstorm.” “It was me, Matt Damon, and Matthew McConaughey sitting together watching football scores on a phone.” “They explained football to me while we waited.” “Christopher Nolan used the delay to shoot close ups in a parking lot.” Matt Damon: “That’s a very Chris thing, he never takes his foot off the
Lin214,087 views • 3 months ago
Caller:“I inherited $10M from my father, now my sisters want me to pay their $300,000 student loans,what should i do?” Caller:My father passed away and left me an eight figure inheritance, over $10 million. My two sisters, who I’m estranged from, got nothing because they sided with my mom during the divorce. Now they’re asking me to pay off their student loans, about $300,000 total. George: How are you feeling about that request? Caller: Conflicted. Part of me wants to help, but another part feels like it would be enabling them after they abandoned me. Dave: This isn’t really a money question. This is a relational and emotional question. And right now, you’re not ready to answer it. George: You just lost your father and you’re processing this windfall. Your sisters are asking you to fix their problems. That’s a lot of pressure. Dave: Your father chose to leave his money to you, not to them. That was his decision, probably rooted in his own pain from the divorce. You need to honor that for now. Caller: So I should just say no? Dave: For now, yes. Not because you’re being cruel, but because you’re not in a place to make that decision from a place of healing and grace. You’re still in grief. George: Down the road, if you’ve reconciled with your sisters and you feel called to help them, that’s a different conversation. But right now, it’s too fresh. Dave: Your $10 million is yours. You don’t owe it to anyone, not your sisters, not your estranged family. Take time to heal first.
Lin217,114 views • 3 months ago
Andrew Garfield says he struggled with fame after becoming Spider-Man “Playing Spider-Man made me famous on a level I wasn’t prepared for.” “I was 25 or 26, and I kind of resisted it.” “The work was fine, it was the attention that I struggled with.” “Not being able to walk down the street or have a meal without being recognized felt really intrusive.” “I found that level of visibility difficult to handle.”
Lin166,674 views • 3 months ago
Caller: “I inherited $14M from my father I didn’t know, how do i handle this money?” Caller: I just found out a deceased family friend was actually my biological father. He left me and my mother an inheritance from an estate worth $10 to $14 million. Dr. Delony: That’s a bomb. How are you doing emotionally? Caller: I’m all over the place, angry, confused, sad, shocked. Dave: That’s completely normal. But before you do anything with this money, you need to process those emotions. Don’t make big decisions in this state. Caller: The money is held in a trust. My mother and I split about $500,000 annually. Dave: Okay. Here’s what you do immediately. Build a professional team, a personal attorney to review the trust documents independently, a CPA to handle the tax implications, an insurance broker for liability coverage, and a therapist to help you work through the emotional side. Dr. Delony: The emotional part is just as important as the financial part. This is complicated grief mixed with anger and betrayal. Caller: Everyone keeps saying what a good man he was for leaving us this money. Dave: Michael, a good man would have been present in your life. He would have known you, not just sent birthday cards from down the street. The inheritance is a blessing, but don’t mistake money for character. Dr. Delony: Take your time. Let yourself feel everything. Then, with your team in place, figure out what this inheritance actually means for your life
Lin193,600 views • 3 months ago
Caller: I’m 38 and I want to retire by 40. I have $44,000 in debt, $20,000 car loan, $16,000 credit cards, $4,000 personal loans, and $2,000 in private school tuition. Dave: You filed Chapter 7 bankruptcy two years ago? Caller: Yes. Failed business ventures and lost government contracts. It was rough. Dave: So you’ve been through bankruptcy and you’re still looking at retiring in two years? Caller: I know it’s aggressive. I was thinking about using creative financing to flip a property and make quick money. Dave: Stop. That’s high risk gambling disguised as a strategy. Trina, you just went through bankruptcy. You need to derisk your life, not add more risk. Caller: So I can’t retire at 40? Dave: Not with $44,000 in debt and two years. But here’s what you can do, become completely debt free in two and a half years. That’s achievable. Then you can think about early retirement. Caller: That means staying in the rat race longer. Dave: Yes. And that’s okay. The long game beats the short game every time. You need stability, not shortcuts. Caller: What’s the actual plan? Dave: Attack the debt with gazelle intensity. Sell the car if you’re upside down on it. Cut up the credit cards. Live on beans and rice. Throw everything at that $44,000. Caller: Two and a half years of that sounds brutal. Dave: It will be. But you’ll be free. And freedom is better than the illusion of early retirement built on debt.
Lin160,204 views • 3 months ago
Caller: “I think i’m my 41 year old boyfriend’s retirement, should i run?” Caller: I’m 32, an attorney, and I’ve been dating a 41 year old for three years. We’re talking marriage, but I just discovered he has no retirement or investment accounts. Nothing. George: At 41? Caller: Zero. And it’s making me nervous about our future together. Dave: You’re right to be nervous. This isn’t about being superficial or greedy. How someone handles money tells you a lot about their character and maturity. Caller: That’s what I’m worried about. I’ve been responsible with my finances and I don’t want to subsidize someone who lacks ambition. Dave: That’s a legitimate concern. You two need to understand each other’s financial values before marriage. George: Here’s the key question, does he have legitimate reasons for not saving, like caring for sick family members? Or is it just a lack of planning and discipline? Caller: I don’t think he has legitimate excuses. Dave: Then you have a bigger problem. This isn’t just about money, it’s about whether you two are aligned on life goals and whether you’ll respect each other long term. George: If he’s not planning for retirement at 41, that tells you something about how he approaches adulthood and responsibility. That doesn’t disappear after marriage. Caller: Can people change? Dave: They can, but they have to want to. Before you marry him, have a direct conversation. Find out if he’s willing to get serious about retirement and financial planning. If not, you need to ask yourself if you can be happy with someone who isn’t taking care of his future. Caller: That’s hard to hear. George: It is. But being miserable in a marriage because you’re subsidizing someone’s lack of planning is worse. Dave: Don’t marry someone hoping they’ll change. Marry someone who’s already aligned with you.
Lin147,045 views • 3 months ago
Tom Holland says Zendaya uses Robert Downey Jr.’s “You screwed the pooch” quote all the time at home “Zendaya says, ‘You screwed the pooch,’ all the time.” “When Robert Downey Jr. first said it in Spider-Man: Homecoming, I had no idea what he was talking about.” “It’s such an old white guy thing to say.” “It was a brilliant ad-lib.” “Now we both say it.”
Lin124,538 views • 3 months ago
Caller: “We’re retired and we don’t have enough for groceries” Caller: We’re both retired, 65 and 70. We have a paid off home and vehicles, but we’re struggling to buy groceries because we’re carrying $35,000 to $40,000 in credit card debt. Dave: What income do you have? Caller: Social Security and small pensions. We’re also working part time, but it’s not much. Dave: How much are you making combined? Caller: Maybe $3,000 a month total. Dave: On $3,000 a month with $35,000-$40,000 in debt, you need to get serious. First rule, the Four Walls. Food, shelter, utilities, transportation come before credit cards. Caller: So we don’t pay the credit cards first? Dave: No. You feed yourselves first. Only pay the credit cards with what’s left over. Caller: But the credit card companies call constantly. Dave: Tell them you’re paying what you can. Your survival comes first. Caller: What else can we do? Dave: You’re both just 65 and 75, get a job. Caller: We’re pretty tired from working all our lives. Dave: I understand. But you’re in a crisis. Working full time for 2-3 years would let you attack this debt aggressively and build a safety net. Caller: That’s a lot to ask at our age. Dave: It is. But the alternative is struggling for decades. Download EveryDollar and budget every dollar. Make sure you’re actually living on $3,000. Caller: And after we pay off the debt? Dave: Build a 3-6 month emergency fund so unexpected expenses don’t put you back into debt. Caller: This feels overwhelming. Dave: I know. But you own your home. You own your vehicles. You have income. You can do this, it just requires intensity for a season.
Lin102,897 views • 3 months ago
Caller: “My parents want me to pay off their house because I have a good job” Caller: I just landed a job as a machine learning consultant making $285,000 a year. As soon as my parents found out, they started pressuring me to pay off their three car loans, their mortgage, and my sister’s college tuition. Dave: And you’re still living with them? Caller: Yes, which makes it really hard to say no. Dave: That’s the first thing that has to change. Move out immediately. Living there means you’re in a guilt ridden environment every single day, you can’t hold boundaries when you’re surrounded by the pressure 24 hours a day. Co host: And don’t pay a single penny toward their debts. Not the cars, not the mortgage, not your sister’s tuition. None of it is your responsibility. Caller: But they act like because I’m making good money now, I owe it to them. Dave: You don’t. A high income doesn’t transfer your parents’ financial obligations onto you. That’s not how this works. Caller: I’m scared of damaging the relationship permanently. Co host: Setting a boundary isn’t burning the bridge, it’s building a healthier one. If you give in now, you’ll resent them for it long-term, and that’s what actually damages relationships. Dave: Call their bluff. Move out, hold firm, and let them deal with their own debts. Your $285,000 is yours, protect it.
Lin91,382 views • 4 months ago
Caller: “Because i have two kids for two different men, my now boyfriend wouldn’t marry me until we get a prenup” Caller: My boyfriend wants to get married but he’s insisting on a prenup. He has about $2 million and I feel like he’s planning for divorce, not marriage. It makes me feel unsafe. George: How did he present it? Caller: He called me ungrateful for hesitating, saying he’s doing me a favor by marrying me and my two kids. Rachel: That’s a red flag right there. The tone matters more than the prenup itself. George: A prenup is a tool. But the way he’s using it, as a weapon to keep his money separate and call you ungrateful, that’s about control, not protection. Rachel: Here’s what I want you to understand. After marriage, does he plan to share life with you, or does he plan to keep “his” money separate from “yours”? Caller: I don’t know. He hasn’t been clear about that. Rachel: That’s the real conversation. Ask him directly, after we’re married, is it “our” money or “his” money? Because if he’s keeping it separate in his mind, a prenup is just the beginning of a very divided marriage. George: And Beth, you should not feel pressured to sign anything you’re uncomfortable with. If he breaks up with you over this, that might actually be a bullet dodged. Dave: Don’t let guilt or fear push you into a decision. Get clarity on how he actually views marriage and partnership. If his answer doesn’t align with yours, walk away.
Lin43,653 views • 3 months ago
Caller: I’m 43, I’ve been with my boyfriend 20 years, living together for 18. We have completely separate finances, but he’s financially irresponsible and now he wants me to help bail out his mother. John: What’s his financial situation? Caller: Minimal retirement savings, not much planning. His mom took out a reverse mortgage and it’s underwater. George: And he wants you to fix it? Caller: Yes. But I’ve been carrying this relationship emotionally and financially for years. We haven’t been intimate in almost a decade and he’s never been ambitious. John: Sarah, you’re essentially acting as a sugar mama in a relationship that’s profoundly unhealthy. And I think you know that. Caller: I do know it. But we’ve been together so long. George: Time invested isn’t a reason to stay. Sometimes the kindest thing you can do for both of you, is leave. John: Stop looking for permission. You don’t need our permission to leave. This is your life and your future. Caller: But I feel guilty. John: Choose guilt over resentment. Because if you stay, resentment will poison you from the inside out. George: His mother’s reverse mortgage isn’t your responsibility. His lack of retirement savings isn’t your responsibility. His choices are his to make. John: You’re a grown woman. Start leaning on friends, get into counseling, and make a plan to build a life that serves you, not one where you’re carrying everyone else’s burdens. Caller: What if I regret leaving? John: Then you deal with that. But Sarah, regret is better than decades of resentment and emptiness.
Lin11,934 views • 3 months ago