Question: Georgia's mom has $15,000 in debt that her dad doesn't know about. Georgia agreed to pay that for her, but they just found out that she has other debts. Now Georgia wants to know what advice Dave would give to her. Dave says it starts by bringing dad into the situation.

Dave Ramsey's advice: She lied to your dad, and now you're surprised that she lied to you? On top of that, you participated in her deception by paying that debt. Tell your dad about this by the end of the day. It hurts her to carry this emotional baggage around. The lying has to be cleaned up first. Don't pay their debts because you're not responsible for them.

A sad thing here is that stupid isn't illegal. You can't make someone stop doing something that is harming them. You can talk about how getting YOUR money under control is great, and inspire them to do better that way. But force feeding information into the lives of people you love is impossible.

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Question: Mindy's dad and sister are involved in their fifth get-rich-quick scheme in the last couple of years. Can she say anything to get them to see that these are not working?

Dave Ramsey's advice: When you go in there and say that it's not working, it becomes an intervention. That's hard to pull off, and this is a socially acceptable disease that these people have. It just hurts your heart to watch people you love do stupid stuff, and there's not much you can do. If they bring it up to you, then say that.

You're not being negative, but the majority of people who join these things don't win. Try hard work and a long term game plan. Scripture says he who hastens to be rich will not go unpunished. Get-rich-quick doesn't work. When your mind and value system works that way, thinking you can do things quick and easy and make money, things you try to do will crumble. It happened with me when I was younger.

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Question: Joe is going back to school in the summer, can't work and will be back on student loans. His in-laws offered to pay his mortgage for the 3 years that he is in school. He can pay it back interest-free. Dave explains why he should avoid it, at all costs.

Dave Ramsey's advice: You're calling the guy who tells people not to borrow money. I don't accept you having to go into student loan debt or in-law debt to go to school. I always try to find how to do things without borrowing money. If you can work somewhere that will pay your schooling, I'd do that. It would be worth it, even though you're very tired at night.

Worst case scenario, if you don't take my advice, don't borrow money from your in-laws. The borrower is slave to the lender. Thanksgiving dinner tastes different when you eat with your master and not your family. Please don't borrow money from these people. You can get yourself in a family mess very fast.

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