“You Ought to Be Ashamed of Yourself, Lady”: Dave Ramsey to Mom Pressuring Son to Cosign an $800,000 Mortgage

“You Ought to Be Ashamed of Yourself, Lady”: Dave Ramsey to Mom Pressuring Son to Cosign an $800,000 Mortgage Thomas Richmond Mon, August 24, 2026 at 9:23 AM EDT 4 min read Quick Read Dave Ramsey condemned a physician mother who guilt-tripped her 22-year-old into cosigning her $800,000 mortgage after $200,000 in Parent PLUS loans killed her approval. Cosigning makes Chris fully liable for the entire mortgage balance, appearing on his credit report and destroying his own future borrowing power. Ramsey's fix targets the mother: live on $60,000 annually, aggressively pay down her $200,000 in student loans, and pursue homeownership debt-free in two years. Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here. A 22-year-old from Phoenix called Dave Ramsey after his mother asked him to cosign an $800,000 mortgage. She earned around $160,000 as a physician but could not qualify alone because roughly $200,000 in Parent PLUS student loans had pushed her debt-to-income ratio too high. Anna Webber | Getty Images " She's kind of guilt-tripping me and saying, hey, out of everything I did for you, this is the least that you can do for me, " Chris told the show. Dave Ramsey was furious. "To turn around and ask a 22-year-old to help you buy a million-dollar house, you ought to be asha…