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

Joining me today is Ramsey Personality Anthony O'Neill.

Stephanie is in Indianapolis. Hi, Stephanie. How are you?

Hi, Dave. How are you? Better than I deserve. What's up?

Okay, so long story short, I'm 23 years old. Before I graduated high school,

I was gifted about $40,000 from my grandfather to pay for college. I received a full right

academic scholarship, so I didn't end up needing that money. So it's still sitting in my bank

account. The problem is that because I was in high school, my dad was also in this bank account.

It was a checking account that both of us had access to, and it still is that way. And he called

me today and said that he took 20,000 out of that account to, as a loan,

that he's going to pay me back for his business.

He's done this before.

It took a long time for him to pay me back.

The first time I had to continuously ask him for the money back, and eventually he paid me back.

So I just don't really know what to do at this point.

I know what's wrong.

And I want to have a conversation with him,

but I just don't even know what to say.

I love my dad so much.

I'm so grateful he's done a lot for me.

Stephanie, how old are you?

I don't know what to do.

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