A couple owes $220K at 2.75% — and a TikToker wants them to swap it for an 8% variable HELOC

A caller to The Ramsey Show (1) recently wanted to know whether she was in the right for being wary of a TikToker’s financial advice, or if she was “crushing” her husband’s dreams.

Brooke from Baton Rouge, La., said that her husband was keen on an idea from a TikToker who was promoting first-lien HELOCs.

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“I’m very hesitant about it,” Brooke said in the call. “In fact, my family gives me the name ‘dream crusher.’ because I’m just not a risk taker.”

But co-hosts Jade Warshaw and John Delony were squarely in Brooke’s corner when it came to the idea — and on the prospect of taking advice from “finfluencers.”

“Hey, here’s my big problem number one, Brooke: Your husband’s quote, ‘following a TikToker,’” Delony laughed.