It's Monday and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Dr. John Deloney.

John is with us. John is in San Diego.

Hi, John. How are you?

Hi, you guys are going. Dave and John. It's pleasure to talk with you guys.

You too. What's up?

So my mother is getting a, what would you call it, a gift from my grandmother selling her house.

And she's about to receive probably around $150,000.

And she wants to use that to $150,000. Mm-hmm.

And she wants to use that to buy a house here.

And basically the problem is my father's kind of hesitant because he's been burned in the past.

Um, we lost her house back in the 08 crisis.

Mm-hmm.

And he's just afraid of like, um like basically something happening in the future and not

being able to hold on to the house basically that's understandable so what's the question so I'm so I

so he actually wants me to co-sign with him because my mother is actually getting back to work.

He feels that his credit isn't up to a certain amount that would get him the loan, even with the 20%.

Yeah, no.

Yeah, no way.

No, you don't co-sign for anyone ever think about what you just asked you asked

my dad is so scared that something bad's going to happen again that this time he wants to attach me to it

right yeah because that's why i wasn't sure about doing that no you're super sure you're super sure. You know it's just hard when your dad says, hey, man, I'm so scared that I'm going to drown.

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