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[MUSIC PLAYING] Brought to you by the Every Dollar App, start budgeting for free today. I was just calling because I wanted to know how to best manage my grandma's finances. I've been managing their bills since 2022 since my uncle passed away. He used to live in the home, and he's no longer there. But in the last two years, I've seen my mom like spend down their savings and kind of destroy-- Wait, wait, wait. Wait, wait. Hold on. I thought you were managing the money. Yeah, in my mind-- How does your mom get the money if you're managing it? She'll get the debit card and make purchases, and she'll say that my grandma let her buy certain things. They go out to eat a lot of-- So the first time that happened, that's on her. The second time that happened, it's on you because you didn't take the debit card away. Yeah. So this last time, I actually made a fraud. And I told my mom if she uses her card again, I will actually make a police report because she is making too many charges without my grandma's knowledge because when I ask my grandma about these-- You cut the account down. Close the account. Well, I already closed one bank account. Well, close it. And then an issue-- Close it, then you can't use the debit card. It's out of business. That's simple. How much money we're talking about? I put everything into my name. Well, she has 18,000 in the savings. And so I was thinking, maybe I should bring that down. And then the extra took principal. And she also has a vehicle that we could sell to pay down her house. But my mom's also destroyed that, too. So not too long ago, she had the truck. And there was a hailstorm. So I don't even know if the truck's worth $25,000 anymore. But my mom's just ruining everything. Lindsay, it's your fault. It's my fault. Yeah, because you're letting her do this. I should take away the keys. Take away everything. She should have zero access. Shut down these. Shut down any door that your mother is going through. Physical Lord. Lock it. proverbial. Close the debit card. Take the keys, the dad gum truck. Move the truck to your garage. Stop her from having access. Yeah. Yeah, that's what I need to do, because-- Yeah, you needed to do that like the first time it happened. Because your mother is not a good person. And my grandma doesn't even drive. So I've been wanting to call the truck. OK, sell the truck then. Do you have power of attorney? Not sure. I've been working on that. OK, I'm not going to participate in this anymore unless you give me power of attorney. And I'm going to shut down all this bull crap. This is an act of love for your grandmother. And it's an act of punishment towards your mother, who's a criminal. Yeah. Good Lord, girl. And clearly, the relationship with you and your mom and grandma and her daughter, it's over. Yeah, y'all put the fun in dysfunction, man. Yeah. So the best thing you can do is protect everything and just get her out of your life. Yeah. So the truck-- It's a $25,000 truck. How old is your granny? She's 80 years old. OK, and she doesn't drive anymore. She doesn't, and she wanted to keep the truck around, because that was like the last memory of my uncle. So she didn't want me to sell it. Oh, well, sorry. My mom just joined me. Yeah, sorry. Putting my-- Is it paid for? It is. OK. It's a $25,000 truck sitting in the garage and then got a ill damage, because your mother's a doofus. Yeah, she took it out that night, and she's been driving it around town. OK. Is the truck back at your grandmother's? Yes. Go pick it up and put it in your basement. OK. OK. And lock it up inside. They have to-- breaking and entering would have to be required to get the truck, all right? And then tell your grandmother that she needs to sell the truck. And tell your grandmother that we're cutting your mother off. Part of the reason is your grandmother's allowing this, too. But she's 80, and she asks you to take care of everything. And you're going to have to be a little bit tougher, kiddo. You're getting walked all over. I know I feel bad because it's my mom, and then she gets mad at me. I don't give a crap about your mother's feelings. She's a crook. She is. Yeah, you don't get to have feelings when you're a crook. She clearly doesn't care about yours. She truly doesn't care about anybody except herself. So how old are you? 39. OK, all right. So your mom has done power plays her entire life over you and over everyone else. No one has ever told this woman no successfully, and you're getting ready to be the first one. Congratulations. You have to. It's your job. I do need to. Or you need to hand your grandmother the keys and all the debit cards, and you need to turn your back and walk away and just let this whole thing explode. One of the two. But either if you're going to have your name on this saying, I'm helping granny, you've got to do it. You can't just sorta do it. And when I do sell the truck, should I apply it to the principal? Because my grandma still has 65,000 on the house. How much is that the only money? She's got 18,000, and then she's got the truck, and what else has she got? Oh, that's all she had. And what does she live on? So security? Yeah. OK. It doesn't matter. You can set it in the emergency fund. I'd probably just set it in an emergency fund. But you've got to have the 18,000 plus the proceeds of the truck where your stinking mother doesn't get her hands on it. Got it? Yeah. A bank account that you open up, and the money goes in there. Period. OK. And no one has access to it. Period. It's for the use of your grandmother to pay her house payment and help her supplement her monthly because social insecurity won't do it. OK. You are too sweet, darling. I'm trying to get you mean. Well, I know I want to cry. I'm going to throw some grit down in your coffee and just stir it in there. Get you some sand. OK? You're just a sweet-- you're just a sweet little person, and I'm ready to go get your mom for you. My gosh, what a woman. You love your grandma, right, Lindsay? Everybody. Yeah, you love her. Then love her enough to say no to mom and be mean because you're protecting grandma. You're not being mean. When you tell someone they can't steal money, that is not mean. That is just like facts. That's facts and stuff. George, you can't steal my money. Well, that's not mean. Criminals are difficult to deal with, Dave. They're very connery. You know, but no, this is a boundaryless moron right here. She just-- this woman, no one ever tells her no. She thinks everything is ours, even when it's not. This is what we thieves think. She's the queen, and we're the sorry people. Exactly. Yeah, that's exactly right. So-- Unbelievable. I'm going to teach her a new word. No. It's a new word for her. She-- she can form it. It's no. Can you do that, Lindsay? Can you-- can you stand up to her and stop all this or not? If I looked on her, no. You've got to stop it. You've got to set the structures in place where she no longer has access to any of this money. She never gets another dime because you're so smart. You got it? OK. And if your mom was mad, so what? Get in line. Create your free every dollar budget today, the simplest way to budget for your life.
