The Ramsey Show Highlights We Need To Tell Our 21-Year-Old To Start Contributing
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Nov 25, 2025 Ashley, a concerned parent, shares her struggles with her 21-year-old daughter, who relies on her for horse-related expenses while lacking financial independence. The hosts emphasize the importance of pushing for responsibility without enabling dependence. They suggest a gentle approach to introduce contributions, framing them as acts of love, and recommend a seasonal plan for gradual expectations of independence. The conversation also touches on sibling fairness and budgeting, reinforcing the idea that building dignity comes from requiring accountability.
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Daughter, Horse, And Mental-Health Backstory
- Ashley's 21-year-old daughter has ridden horses since age six and the parents pay $400/month for boarding and other expenses.
- The daughter struggled with severe depression and self-harm a few years ago and is now in therapy, which makes the parents cautious about pushing her.
Independence Is A Loving Action
- George says helping a young adult become independent is actually loving, not mean, because it builds confidence and dignity.
- Work and contribution provide purpose and are beneficial for mental and social development.
Tell Her You Love Her — Then Set A Plan
- Dave recommends telling your child you love them but you enabled them and now want them to start contributing to learn money management.
- Set a gradual plan and budget for the next months so she can assume responsibilities without being thrown into the deep end.