The Ramsey Show Highlights “Why Does She Have Control of a Grown Woman’s Finances?”
Nov 5, 2025
A caller reveals shocking financial manipulation by her fiancé's mother, who controls student loan disbursements. The hosts dig into immediate steps to protect her finances, including freezing credit and verifying payments. They discuss the emotional toll of such theft on family relationships and stress the importance of setting boundaries. Practical advice includes confronting the mother and collecting school balances. Ultimately, they emphasize the need for the fiancé to regain control before moving forward with marriage.
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Lock Down Her Credit Now
- Freeze her credit report immediately to stop further borrowing against her identity.
- Pull full credit reports to discover all loans and potential fraud so you know what to dispute.
Joint Accounts Hide Custodian Control
- A parent-controlled joint account can conceal theft because the parent controls access and withdrawals.
- Labeling an account as 'for' the child doesn't prevent the custodian from using funds for themselves.
Move Funds Into Her Own Accounts
- Move the fiancée's money into accounts she fully controls and close accounts the mom primarily manages.
- Monitor new accounts and remove the mom as custodian or signer to prevent future withdrawals.