The Ramsey Show Highlights Build a House for My Kids Since They Can't Afford One?
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Mar 18, 2026 Caller, a ministry worker seeking housing for adult children, explains assets and loan ideas. The conversation covers borrowing against car or house, why cash might be safer, risks of collateral, and whether building creates dependency. They discuss alternatives like a one-time gift and planning for long-term independence.
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Don’t Risk Your Home Or Car To Finance Family Housing
- Avoid using secured loans like a HELOC or car-title loan to finance a rental apartment for family when you still carry a mortgage.
- Dave Ramsey and co-host warn that putting your home or car up as collateral creates unacceptable risk and potential loss of those assets.
Help Create Income Plans Not Permanent Subsidies
- Long-term financial help should focus on independence rather than creating dependency by subsidizing living arrangements.
- Hosts suggest helping the children craft a bivocational plan or other sustainable income solutions instead of ongoing housing support.
Previous RV Solution Sparked Apartment Idea
- The caller previously housed her ailing father by buying an RV so he could live with them temporarily.
- That previous experience prompted her to consider an on-property apartment as a flexible solution for family needs.