Dave Says: It’s Just the Right Thing to Do

Dave RamseyBy Dave Ramsey1 Minutes

Dear Dave,
I’m about to start paying off debt in Baby Step 2, but there’s a motorcycle loan my ex-girlfriend took out for me. I crashed the motorcycle and sustained some injuries. After two months of litigation, I received a settlement of about $15,000 that was just enough to cover the loan. Do I use the settlement money toward my debt snowball, or should I pay her back so I can get her out of my life for good?
— Arnold

Dear Arnold,
Pay her back. Anything else would be unfair. And, on top of that, it’s just the right thing to do.
The whole move of her taking out a loan to buy you a motorcycle was kind of dumb anyway. It was dumb on her part, and it was dumb on your part. And you can see why it was now, can’t you? It has left you in a lurch emotionally and relationally. We’re not talking about a random chunk of cash here. This money was for the motorcycle, from the motorcycle and about the motorcycle. So, you just pay her back, and that’ll clear things up.
I’m sorry the relationship didn’t work out, brother. But I’m glad you’re taking steps to be in control of your finances. And I hope making things right where the bike is concerned will bring you a little peace of mind.
— Dave


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Dave Ramsey

Dave Ramsey founded Ramsey Solutions in 1992 to provide “biblically based, common-sense” financial education. He is a best-selling author and sought-after speaker. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Learn more at daveramsey.com

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