Anne, 76, called the finance guru as she was lost and “didn’t know where to turn”. On the Ramsey Show – Highlights Youtube channel, the American personal finance personalities advised her on what she can do in this tough time.
Anne had recently lost her husband, 85, and her sister, who she usually calls for advice was also in the same situation as her.
He stressed the importance for viewers to have a Will to ensure they are not left in the dark when tragedy hits.
“I don’t know what to do,” she said.
Anne continued: “I don’t know what I should be doing in terms of the mortgage.
“I received a letter from the mortgage company when they were doing the annual escrow analysis.
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“They have increased the mortgage payments almost $1,000 (almost £800).”
Mr Ramsey suggests that Anne call her daughter as she is “the responsible one” out of Anne’s three children.
He said: “Tell her you need help. She’s going to be your sounding board.
“I need her in your life walking with you as you start making these different decisions.
“We need to make sure some kid can’t come to the house and say ‘This is my house now, your name isn’t on the deed’.
“The coach will help you through this but hopefully your daughter can walk you through the basics because that will help you sleep.
“When you don’t know if you can get groceries, or if there’s life insurance in place it’s scary, on top of your tragic loss.”
Mr Ramsey urged viewers to make sure they are on the same pages with their partners.
It should be a priority to get the basics out of the way, and know what to do if someone passes away.
Mr Delony added: “If you have not sat down with your partner and said this is where my will is, here is what happens next. Here is where the paper is, do that today.
“Everyone get on the same page and have a plan.”