Widowed mom facing foreclosure gets much-needed help and learns crucial lesson, making her kids proud

Life has its own way of testing our mental strength. If we stick through an uphill battle with endurance, what comes next will be quite rewarding. Facing one such tough time, a widowed mom called up on the "Ramsey Show," seeking financial advice as her house was about to be foreclosed. The 40-year-old mother of four was wondering if she had to "throw in the towel or fight." Sharing their interaction on TikTok, financial expert Dave Ramsey (@daveramsey) offered some financial guidance and resources to help her out of the situation.

The widowed woman, Sarah, and her four children were surviving on Social Security and insurance payments after her husband died in a workplace accident. "The insurance company filed an appeal and froze the payments at the beginning of the year. It just threw my finances in a whirlwind and I went back to work," said the caller. The mother was concerned about falling behind on her mortgage and the foreclosure was about to happen 45 days from the time of her call. When she said that she owed $64,000 on her home, Ramsey said, "You are not getting foreclosed on. Breathe. I know how to stop." The financial expert with experience of over 30 years reassured Sarah that she had just been struck by a tragedy and that there was a viable solution.

"We're not going to allow you to lose that much equity. We have our ways," said Ramsey, adding that though there were some problems to be addressed, Sarah wasn't going to lose her house. "Can you do a budget and eat on that and pay your house payment if you were current?" asked Ramsey and the woman said that she could. She was in a place where she was over $3,000 behind to get current, her car was repossessed, had no family to get help and also wasn't involved in any church in her locality. Ramsey assured Sarah that he would send a team to help her out and asked her to follow the instructions of these experts to win back her car and her house.

When Sarah worried that she wanted to do things right and inspire her kids, Ramsey and mental health expert Dr. John Delony said that she was already doing her best and asked her to stay strong. "The light comes back on a little bit and they get to see that by watching their mom go through it," Delony said, adding, "I want you to know you're changing your family tree because they're getting to see a strong mom say, 'Enough, I can't do anymore. Can somebody help me?'" The team reassured Sarah that, apart from the financial guidance, she would also receive free counseling for a few months. The mom tearfully expressed her gratitude.

"Bank trying to take advantage of the situation. Good job, Dave," commented @dannydiaz02. "The relief she must have felt just hearing 'You're 100% not going to lose your house,'" wrote @amanda.hofflav. "I’d love to hear an update, I hope she gets some financial relief. I also hope she gains community help/friends," commented @ericanicole18.

As many users wanted to see her situation resolved, Ramsey posted an update on her situation. The show called up Sarah, who then seemed to sound better than she did before. With Lisa, an expert assigned by Ramsey to help Sarah out, the mother of four had regained her confidence in life. "It took me some time. I'm still getting there. We're still turning the ship around, but it's definitely been different," said Sarah, adding, "If it wasn't for you guys just taking my call, my whole world was saved by so many people." Ramsey expressed how proud he was of the strong mother and Sarah was grateful for the show that helped her teach her kids to lead life the right way.