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The Ramsey Show Highlights

My Mom Guilt-Tripped Me Into Co-Signing 2 Cars

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Business, Investing

4.5 • 840 Ratings

🗓️ 6 March 2026

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

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Transcript

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0:00.0

Brought to you by CHO, a budget-friendly faith-based alternative to health insurance.

0:07.6

CH Ministries.org slash budget.

0:10.1

When I was around like 20 to 21 years old, I had a pretty good credit score of like 800.

0:17.7

And then my mom kind of guilt tripped me into being a co-signer for one of her cars and um

0:27.4

then the following year uh there was a second car that i was unknowingly signed into when we

0:36.2

refinanced the first car.

0:39.1

And I think about two years after that, both cars have been repossessed.

0:45.4

And the first car was, there's a judgment on that car and it's under my name.

0:52.7

Oh, boy.

0:53.3

And I guess.

0:58.3

And there's also a personal loan that my mom kind of made me take out around the same time. What do you mean made you? Yeah, what's that

1:02.8

sounds like? Are you against your will? Well, she guilt-trip me into doing all of that. Yeah, but you're a

1:09.5

grown person at 21 years old. Yes, of that. Yeah, but you're a grown person at 21 years old.

1:12.7

Yes, of course.

1:14.1

Like, I understand that.

1:15.4

But I guess, like, culturally speaking, it was always, you can't, um, you can't say

1:20.6

like, I've done so much for you.

1:21.3

I need you to do this for me.

1:22.7

And you just went, okay, fine.

1:23.8

Exactly.

1:25.1

And it was, like, nonstop.

1:27.3

So essentially, after all of this, we're like 20K in debt just on my mom alone.

...

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