- - She Earns $180K Annually, Yet Her Parents Still Want To Hand Her $30K. Dave Ramsey Laughs Out Loud, 'You've Got To Be Kidding Me'

Adrian VolenikFebruary 7, 2026 at 3:01 AM

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Josephine and her husband were at odds over whether to gift their daughter and son-in-law $30,000. The couple wasn’t asking for help, but Josephine believed they needed assistance replacing old cars and making a dent in student loan debt.

She brought the dilemma to “The Ramsey Show” for guidance.

Ramsey Laughs Out Loud

Josephine explained that her daughter’s household brings in about $180,000 a year, yet they hadn’t made much progress on student loans and were driving beat-up cars. That number stopped personal finance expert Dave Ramsey cold.

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“You’ve got to be kidding me,” he said after bursting out laughing. “They make $180,000 and they’re driving a couple of beaters and mommy’s going to bail them out?”

Josephine clarified that her son-in-law has significant student loan debt and they’d been slow to pay it down, hoping for forgiveness. Ramsey wasn’t impressed. “I don’t care. He’s not paying on them,” he said. “He’s waiting on Biden. Oh, wait. Biden’s not president anymore.”

“They’re pissing their money away,” he continued. “Giving them $30,000 is definitely giving a drunk a drink.”

Ramsey made clear that both Josephine and her husband had the wrong approach. One wanted to keep giving money out of gratitude; the other wanted to cut off support completely. But neither asked, “What’s best for this kid over the next 20 years?”

“What I want to create in them is habits, systems, and character traits that create a sustainable life,” he said. “Giving them money when they’re misbehaving with money does not do that.”

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Instead of handing over cash, Ramsey advised Josephine to consider a matching program. “If you will save $5,000 for a car, I’ll put $5,000 so you can get a $10,000 car,” he said. “If you pay down $10,000 on your student loans, I’ll put $10,000 towards your student loans. Up to 30,000.”

Co-host Rachel Cruze added that if the couple had been earning a modest income, working hard to pay off their debts, and only needed help after a car breakdown, then offering support would have made sense. That kind of situation, she said, reflects responsible behavior worth encouraging.

Josephine’s situation is a common one, especially among higher-income families struggling with when to step in and when to let adult kids learn on their own. It’s a reminder that income doesn’t automatically equal financial discipline.

For families navigating similar territory, Domain Money can help. They offer free strategy sessions and access to certified financial planner professionals who give tailored advice.

“I’m sorry I laughed so loud at you,” Ramsey later apologized.

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