The Ramsey Show Highlights "Stop This Shacking Up Crap!"
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Oct 28, 2025 The discussion kicks off with a dilemma about a house down payment dispute between partners. Experts warn that forcing a HELOC could jeopardize the property. They emphasize the risks of unmarried couples co-owning a home without legal documentation. The hosts share cautionary tales, advising against such informal partnerships. Marriage is presented as a means of legal protection rather than a relationship endorsement. Listeners are enlightened on the messy realities of breaking up in a shared home.
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Don't Use A HELOC To Force Repayment
- Avoid taking out a HELOC to force repayment because it puts the house at risk.
- Sell the house or formalize the relationship to create a legal exit, don't leave things informal.
Never Buy A House With An Unmarried Partner
- Do not buy a house with someone you're not married to without written agreements.
- Sell the house or get married to create legal mechanisms to resolve disputes.
Legal Systems Favor Blood Heirs Over Partners
- Informal couples become disadvantaged because legal and inheritance systems favor blood heirs.
- Lack of wills or paperwork can leave partners excluded and assets tied to relatives.