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The Ramsey Show Highlights

My In-Laws Want To Move In and I'm Concerned

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5838 Ratings

🗓️ 17 May 2026

⏱️ 9 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

Brought to you by the Every Dollar app.

0:04.3

Start budgeting for free today.

0:06.8

We found y'all through our church through SPU about a year and a half ago, and we are on

0:12.5

Baby Step 4.

0:14.8

And my in-laws kind of popped this idea to us about six months ago.

0:21.7

We bought our house about two years ago and it has a very large unfinished basement.

0:27.2

And they have had this idea that when they retire, which is going to be my father and

0:32.3

else retiring at the end of the year, that they want to kind of put some money into our house and finish off our basement

0:40.1

for them to kind of be snowbirds to be here, go in the south and then go up north and then

0:46.2

eventually kind of transition to living with us in our basement.

0:51.5

And I'm not totally against the idea because we have a good relationship.

0:56.7

It would be great for our kids to have grandparents close by.

1:00.0

But I'm a little bit concerned about the long-term effect of this.

1:05.6

You know, they wouldn't really have an R-A, putting money into our house.

1:10.2

Do they know that? Yes, we told

1:14.0

that that. And my concern is just, you know, like what happens if they do this? And, you know,

1:20.5

in five years from now, someone has a stroke. And now they need more care. And a lot of their money

1:26.5

is tied up in our house.

1:27.7

Or you decide to move and take a different job.

1:31.7

And my husband said that to them.

1:33.6

And they kind of were like, oh, well, I guess you just me and that two more people are moving with you.

1:38.2

Oh, boy.

...

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