South Dakota Woman summoned to The Ramsey Show, recently searching for help but instead of receiving a dose of heavy love from the hosts Dave Ramsey and John Delony; Although Ramsey had strong words for his insurance company, State economyHe also did not hold criticism of the caller’s own decisions.
Kim explained that her family had been living without a debt for over 20 years, led by Ramsey principles. They paid cash for used cars, carefully preserved and even paid for his daughter’s college out of pocket. However, after a natural disaster, their homes became flawless, everything quickly divorced.
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They had a great deduction of homeowners’ policy with State Farm, believing that their $ 100,000 savings would cover emergencies. Instead, the company allegedly delayed payments and refused to cover, forcing them for two and a half years to live in a hotel. “We became a state -owned bank,” Kim said.
Ramsey went out a swing. “The state economy shocked you,” he said. “But also those solutions. You’ve four times increased or 5x.”
At the same time, Kim’s daughter had to have an open heart surgery and treatment at both Stanford and Mayo Clinic, adding more stay at the hotel, travel and food expenditure to a family growing debt. Their household income is $ 188,000, but they still collected tens of thousands of credit card debts.
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“It doesn’t take two and a half years to restore home. I built the whole house within 11 months,” Ramsey said. “In the third month, not for the third year, I apply to the state economy and leave the hotel.”
He challenged Kim why they did not rent a different house, even if it was not perfect. Kim said their 95 -year -old neighbor, who needed hospital care, needed one -story setup and restricted their housing capabilities. Ramsey did not accept it as justification.
“Only strong can help the weak,” he said. “Currently your knees are broken. We can’t do anything.”
Delony entered emotional insights, pointing out how close her to her former lifestyle made everything difficult. “For every challenge of emotional health, there is this distance from this scary, frightening line called reality,” he said. “The life you had to finish. Now you have a new one.”