10-27-25 - WWBD - Her Ex Husband Asked Her To Loan Him 5k - He's Under Contract To Buy A Gay Couple's House - His MIL Sent 20k To An Online Scammer And May Have To Live w/Them To Recover

Summary

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Podcast Summary: Holmberg's Morning Sickness – “WWBD” Segment

Date: October 27, 2025
Hosts: John Holmberg, Brady Bogen, Bret Vesely, Dick Toledo
Episode Focus: “What Would Brady Do?” tackles real listener dilemmas involving lending money to exes, discomfort buying a house from a gay couple, and dealing with a mother-in-law who fell for a scam.

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Overview

This episode's “WWBD” (What Would Brady Do?) centers on listener emails about tricky, sometimes awkward life situations. The hosts bring humor and frank advice as they confront topics ranging from ex-spousal loans and LGBTQ+ home sales to elder family vulnerabilities with online scams. With their unfiltered rapport, the morning crew mixes practical advice with signature irreverence.

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Key Discussion Points

1. Should You Loan Money to an Ex-Spouse?

Listener Letter (03:52)
A woman asks Brady whether she should loan her ex-husband $5,000. They've been divorced 17 years, have two college-age kids, and the ex who once prospered post-divorce is now struggling. She's succeeded in business and never previously asked him for money.

• Brady & Crew’s Take:
  • Acknowledge the role reversal and the irony.
  • Debate whether past support (child/spousal) justifies helping now.
  • Consider the morality: If he was a good dad and they’re civil, is a loan reasonable?
  • John notes, “Help him out because it’s the right thing to do.” (06:19)
  • Suggestion: If she does the loan, consider interest ("points") to formalize it.

Notable Quote:

"If he paid child support and spousal support for years while he was doing well… you cut this dude in half when you divorced… the semantics of divorce ask anybody. On the flip side, what did he lose? … Help him out because it’s the right thing to do."
— John Holmberg (05:33 - 06:19)

Hosts’ Consensus:

• Lending is not obligatory, but it would be a positive gesture if she can afford it, especially given a good co-parenting relationship.

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2. Buying a House from a Gay Couple

Listener Letter (07:50)
A male listener is under contract to buy a house from a gay couple and expresses discomfort, joking about the "nut-to-butt" action that may have occurred, especially regarding the showers, pool, and home theater. He asks for tips on “scrubbing” the house’s sexual history.

• Hosts’ Response:
  • Immediate amusement at the question’s absurdity.
  • John and Brady admit they both replace toilets when moving into a new house, regardless of the previous owners’ sexual orientation.
  • They note cleanliness is mental as much as physical.
  • Black-light inspections suggested for peace of mind—with tongue-in-cheek references to “finding fossils” or “twink kingdom.”

Notable Quotes:

"Toilets. Somebody else’s toilets are going away. I’ll sell them to you because you don’t seem to have a problem with that!"
— John Holmberg (10:11)

"General rule of thumb: Black light the house that you're buying."
— Dick Toledo (10:40)

Memorable Moment:

• The group riffing on the notion that sexual “evidence” is something new buyers should worry about, no matter who lived there before.

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3. In-Law Falls for Online Scammer – Family Fallout

Listener Letter (12:29)
A man writes that his mother-in-law, recently widowed, fell for an online romance scam and sent $20,000 to a “man working on a rig.” Now broke, she wants to move in with him and his wife. He dreads losing their lifestyle because of her mistake.

• Advice from the Hosts:
  • Help her, but set clear limits.
  • Brady suggests: let her stay through the holidays (“Let her stay through January”), then help her back on her feet.
  • John: Use the 90-day window to motivate her to get stable, offer to match what she saves, but don’t let this be a permanent arrangement.
  • General consensus: Be compassionate but establish boundaries to protect your family’s dynamism.

Notable Quotes:

“Why is it still a thing? Never send money to a photograph unless it’s a free generator from Tractor Supply.”
— John Holmberg (13:58 - 14:20)

"If you've never met anybody and they're asking you for money… Because they love you, the answer is, absolutely not."
— Dick Toledo (14:34 - 14:41)

Memorable Moment:

• The crew’s exasperation at repeated scam stories, with Holmberg and Toledo recapping scam red flags and poking fun at scammer tropes.

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Notable Quotes & Highlights with Timestamps

• On Ex-Spousal Loans:

  • “It wasn’t a loan that he was giving you. He was forced to give you money. You’re not forced, but boy, it would be kind of crappy for you not to help him out.”
    — John Holmberg (06:40)

• On Home Cleanliness:

  • “I always buy new toilets… It’s not sitting on someone else’s old throne.”
    — John Holmberg (08:27)
  • “Black light the house before you move in… Put X’s where the maid has to clean extra hard.”
    — John Holmberg (10:40-11:06)

• On Scams:

  • “20 grand’s an awful lot to get somebody out from… He’s an oil rigger? Stop it, Bret.”
    — John Holmberg (15:36 - 15:38)
  • “Don’t send money to anyone you haven’t met.”
    — Dick Toledo (14:41)

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Timestamps for Key Segments

• Loaning Money to Ex-Spouse: 03:52 – 07:49
• Buying Home from Gay Couple: 07:49 – 12:03
• Mother-in-Law Scam / Living Accusation: 12:29 – 15:54

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Tone & Style

• Style: Informal, candid, often irreverent and humorous
• Group Dynamic: Conversational flow, occasional tangents, lots of back-and-forth, with Brady’s “moral compass” as the central advisory light

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Summary Takeaways

• Lending to Exes: Case-by-case, but kindness and reciprocity matter if the relationship is civil.
• House Sales & Prejudice: Clean as you wish—but fixations on prior owners’ sexuality are more about mindset than reality.
• Scams & Family: Compassion is critical, but so are boundaries; educate and support elders, but don’t surrender your whole lifestyle over their mistakes.

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This episode is packed with laughter, real talk, and a few well-placed jabs, making even awkward predicaments feel relatable and surmountable.

Transcript

[A]

You're listening to the HMS Podcast, brought to you by MMP Guns.com, your most trusted online marketplace for firearms, ammunition and accessories. Hey, it's Brett Vesely and I'm here with Byron from MMP Guns. Look, Byron, I have a friend wanting to sell some guns he inherited. What's the best way for him to do that?

[B]

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[A]

Okay, but what if he lives out of state?

[B]

Easy. Legalgunbuyer.com and he can do it. It's really that simple.

[A]

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[C]

It's John Holmberg here for my [e-mail] oh, my goodness. My backyard is perfect now that I've turfed it. No mud, no maintenance, no sprinkler repair. No sprinklers. I have a lower water bill, and I have a yard that looks perfect all year long. But that's not all. I've got a putting green, I've got a basketball play court. I've got an unbelievable situation, and I owe it all to Turf Monsters. If you can dream up a backyard that you've always wanted, Turf Monsters is the place to call. Turfmonstersaz.com the old method of treatment for a person in this condition was to throw him in jail. We just had a full off the air conversation about sharing clothes.

[D]

Yes.

[C]

What size is your jacket, Brett? You can borrow mine. I'm pretty sure I'm 44 long. I think that's about right.

[D]

I need a 60 short.

[C]

You'll get it. Yeah, 60 short. Brady basically wears a giant like a ribbon you'd wrap around a keg. It's time now for what would Brady Do? The most moral man and all of Phoenix sits amongst us, and he can fix your problems while you type in the word stash to the promo code box in the 9 o' clock hour on the KUPD app. Easy enough. Brady will solve the problems now brought to you by our friends over at MMP Guns. Mo Money, Pawn, M and P Guns. Proud to say that at the fundraiser I was at on Friday for Kurt Warner's Treasure House, they played Password. And the password was pawn. And the host said, you know, the password is and it Goes up on the screen, and my friend Mark was giving the password to Kurt Warner. And Mark said, may or may not make sense, but he goes, mo. And Kurt Warner goes, I don't know what you're talking about. And the host happens to go, oh, you're getting a load of street cred for this. And he goes, mo is in mo money. And he's like, yeah. And then everybody goes, mo money pawn. They knew immediately. So the word is out. The whole place at Kurt Warner's place got the mo Money pawn plug without trying. And that's an expensive one. You're welcome. Mo Money pawn. That was pretty neat. So good job by Mark to get that up there. Kurt Warner was the only one who didn't know. His wife knew immediately. So when they switch teams, the other guy's like, money. And she goes, mo money. Oh, mo money pond. So it's in our mind. So good job moment. 12th street in Indian school, right there in the heart of our beautiful city. Brady, are you ready? Ready. Let's go here. Dear Brady, my ex husband and I have been divorced 17 years. We have two kids that are both finishing up their college careers. When we divorced, I struggled for the first five years while my husband shot up the ladder at his job and more than doubled his salary in that time. About five years ago, the bottom fell out. He got fired in a restructuring plan. Got unemployed for about eight months. The roles have switched with us now because I'm doing very well and have opened a business of my own. Well, last week he called me and we've remained civil since divorce. And he broke down and asked me to loan him five grand. He said the irony is, law isn't lost on him of how our situations have reversed. But he's. He's apparently struggling. Would you ever loan your ex money? I never once asked him for money, even though there were times that I certainly could have used it signed Anne.

[D]

You know, I don't know the situation early on, when he was making that money, they'd already settled and he. It's just they've agreed that he's paying this amount during that time.

[C]

You would think that the divorce. If he was doing well for himself.

[D]

Yeah.

[C]

That he had to pay and. Right.

[D]

And if that were the case.

[C]

Yeah.

[D]

Then.

[C]

Yeah. Kick back a little bit.

[D]

Help to do that would make sense that you're now, you know, the roles have reversed.

[C]

Right.

[D]

Why wouldn't it work the same way?

[C]

Well, because the time's up the same way, a guy would say. And just devil's advocate Here. I already paid you for the last 10 years. I'm not. I don't owe you any money anymore.

[A]

To let Jack go.

[C]

Yeah. And so if you're broke and I was giving you a couple thousand bucks a month for spousal support and that's it. And then 17 years pass and she calls and she's hitting up. No, this is a reverse.

[D]

And the other thing is, like during that time that he made the money, did they already agree to that time? And this was based upon his income. Then. Then all of a sudden he makes more money. That doesn't mean he ponies up more money on the. The agreement is.

[A]

Oh, she could take him to court again.

[C]

Well, no, like you're.

[D]

Yeah, she could take him to court.

[C]

But you're confused that. But, but the switch. They're no longer any spousal support. But she.

[D]

This is a loan.

[C]

Right. He's saying I'm in trouble. You've got money now. I know you've.

[D]

That's up to you. I don't think, you know, I don't think it's bad to say no, I'm not kid. Right.

[C]

But kids, dad. And painful for him to ask if.

[D]

You can afford it, then I would do it.

[A]

They're still cordial.

[C]

Well, yeah, it says we've been cordial. Here's the thing though.

[D]

Yeah.

[C]

If he paid child support and, and, and spousal support for years while he was doing well and you guys were divorced because it's court ordered doesn't mean it still wasn't keeping you afloat.

[D]

Yeah.

[C]

So now that you're good, he no longer pays any of that stuff. The kids are off out of college and he's in dire straits. You gotta remember, you cut this dude in half when you guys got divorced. Maybe it was his fault, but financially, dudes lose half. And again, it's the semantics of divorce. Ask anybody. Oh, my friend Dave got divorced. What did she get? And then on the flip side, what did he lose? That semantics. But it's true. Due to seen as the loser. And a woman is seen as the winner in divorce, even though emotionally they'll tell you it's different now. So help him out because it's the right thing to do.

[D]

Yeah. She's not saying anything in that letter like he hasn't been a great dad.

[C]

No, she says we're cordial. Yeah, yeah.

[A]

Larger two points on it.

[C]

Right. She said, when we, when we first divorced, I struggled for about first five years, but I bet you he was.

[D]

Covering the bills and she had to look for work.

[C]

Yeah. It wasn't a loan that he was giving you. He was forced to give you money. You're not forced, but, boy, it would be kind of crappy for you not to help him out.

[A]

Just charged him two points on the loan.

[C]

There you go. Throw some points on it. Get up, get a little juice in the end of that. Yeah, you pay me back. You got till, let's say five grand. You got till April.

[A]

Yeah.

[C]

Get on your feet. This should help. And in April, you give me six back. How do points work?

[A]

It's a percentage.

[C]

Percentage. So like when you say you got two points on the loan.

[A]

Yeah, it's like 2%.

[C]

2%.

[A]

Yeah.

[C]

Okay.

[A]

But you could charge that weekly.

[C]

Oh.

[A]

Which is what usually happens.

[C]

Oh, that's a lot. That's a lot of juice.

[A]

I'm not in two or three points.

[C]

I don't do loans.

[D]

Is that 2%? Based upon what? You get this out of the bank, we're getting two points more. You haven't gone through.

[C]

Well, it's like it's two points from the guy.

[D]

2%, that's 2% low.

[A]

Yeah, but that's every week.

[C]

But if the bank's hitting you every week, it's not. That's compounding over. Yeah, that's a lot of points. If it's 2% at the end of the five grand. Yeah, sure, that's nothing. But it's 2% on 5,000 every week. You don't pay back. Yikes.

[A]

Or veto shows up and then you got.

[C]

Then your. Next thing you know, you're hosting poker games with Chauncey Billups. This is. Dear Brady, I'm under contract to buy a home and realize that the sellers are two dudes. Now I just think of how much nuts to butts action had happened in my future. Shower, pool, bedroom, sauna, and theater room. So if Brady were to buy your neighbor's house, John, as an example, what would you recommend? To scrub all the poop wiener history from it. Tom, have you. Have you ever thought of that? I always buy new toilets. If I get a new house. It's all new toilets. That's. It's not sitting on someone else's old throne. I don't know what went on on that.

[B]

And it.

[C]

I just. It should be in my brain all the time. It's more just mental.

[D]

I didn't. I've replaced the. The toilets, but not when I first bought it. Basically, you're looking at it and the toilets are working. And I never even thought about that.

[C]

First day I'm not doing anything in those toilets until those are. At first they were replacing. The seat is remodeling. Yeah, you gotta get rid of the toilets. Hallberg's morning sickness. Morning sickness 28 ku e day come.

[E]

On down to the Ranch House Grill.

[A]

Comfort food is your next meal.

[E]

Pork chili verde, chicken fried steak. Ranch House knows you'll think it's great. Are you ready for the best breakfast in Phoenix? Ranch House grill has been voted best breakfast four years in a row. We're famous for our chicken fried steak, pork chili verde and large portions. Located in the heart of Arcadia. Join us for breakfast or lunch seven days a week, 6am to 2pm We're a family restaurant with a small town atmosphere serving southwestern comfort food for 18 years. Come on down to the Ranch House grill for the best breakfast in Phoenix at 56th street and Thomas Road.

[C]

It's John Holberg here from the morning sickness and it's time to talk about TVs Doug Hopkins of my home group and Doug Hopkins.com I tell you about the house down the street from me that has had a for sale sign in the yard for three months now. In fact, it's the fourth different sign. They've got a new realtor all the time. I do know this though. They wouldn't be dealing with all this stress if they'd have just called TVs Doug Hopkins because he's more than a guy buying your house. He makes an offer for your house, cash. As is, you don't have to do anything. The deal is over. So all you got to do is start the process online@doug hopkins.com or sing Hopkins 1, 800, now Holmberg's Morning Sickness and then the gay bathroom.

[D]

Unless, you know, even if they were redone like within that year.

[C]

Toilets. Somebody else's toilets are going away. I'll sell them to you because you don't seem to have a problem with that. Definitely. Yeah, you can have my gently used toilets.

[D]

But as far as two dudes owning the house and you're buying it, I.

[C]

Don'T have you and scrub.

[D]

Well, you. You clean all houses before you move in there.

[C]

Sure. But I mean, like to get it out of your mind, this dude's got an anal sex. It might be fossil bruin in his brain.

[D]

Probably a good general rule of thumb to black light the house that you're buying.

[A]

Mtv.

[C]

You know what? Not a bad idea during inspection.

[D]

Yeah.

[C]

You know, make sure all the outlets are in good spots and everything's wired up right. And then kill the lights come back at 9 and black light the whole thing and then have the maid come by with, you know, take that orange spray paint that you do when you want to get rid of trees and stuff. Put X's where the maid has to clean extra hard.

[D]

You might be.

[C]

It's a good idea painting. I like what you did there. Black light, that's a great one. You go into some castle of gay guys lived in and next thing you know, you know you're breathing in on toxic. You don't know if the heterosexual couple was up to no good in there.

[A]

Imagine Brennan buying a house.

[C]

Oh boy, oh boy. I gotta get in here and I'm telling you right now, I'm gonna go ahead and clean everything with bleach because I think this was the capital of America. I'll do my own little black light research. Boy oh boy, were these guys shooters. It's everywhere about a fairy house. I mean, I'm in a twink kingdom, which is my favorite handheld video game. This one's from Aiden. Does he say don't mention him?

[D]

I don't think so.

[A]

No, I don't think so. Everybody knows them.

[C]

I was messaging you, but just. Oh yeah, I'm not gonna say it now. I've already said who it was.

[A]

We'll answer that in private.

[C]

Apparently it must be a good one. We'll get back to that. Because if the last line says I'm sure you'll know who's messaging you. Yeah, read through that and see that I haven't made a mistake early because I just saw the name. I got excited about who was emailing.

[D]

There was never. Yeah, a disclaimer. I think he.

[C]

I think at the end he says something about don't, but we'll see. I got another one says this can be a. What would Brady do? But John, I hear you talking about people scamming old people all the time, so I want you in this too. Finally, I know someone who fell in the trap. My mother in law whose husband just recently passed two years ago, went online to a dating site and met a nice man. He worked on a rig and apparently was asking for money to complete a job so he could come back and see her. She sent him $20,000 and he is now she's dead broke. We found the pictures he sent were AI generated where they took pictures online and replaced it with. With another. I felt bad, but now she wants to move in with me and my wife because she can't afford anything. And I love the freedom and I hate to feel like I have to give some of that up because she fell for a scam. What would you do, Ryan?

[D]

Look for a place that she could live, that I could help out.

[C]

Gotta pay for all. Yeah.

[D]

Which is, again, what's easier for you. How long would she be living with you in the house? And then could you afford to pick up, you know, what, rent for six months or something?

[C]

It's the holidays.

[D]

Yeah.

[C]

Let her stay through January.

[D]

It's a good idea.

[C]

Yeah. Just make it feel like, you know, grandma's around for Christmas. Let her stick around for 90 days like Brett says. Put 2% on her vigor.

[A]

Yeah.

[C]

And then. And then at the end of the 90 days, hopefully she'll have gotten it back together. Give her a little help. Say everything that you save in these 90 days will match, and we'll get you in a nice place, 20 grand out the door to some dude she'd never met. Why is it still a thing? Never send money to a photograph unless it's a free generator from tractor Supply. And then, of course.

[A]

Well, you got the toolkit.

[C]

Well, I didn't win that. No. It's bogged down over there in the Suez Canal. Evidently, there's a problem if the man.

[D]

Or woman you fell for.

[C]

Yeah.

[D]

Is asking for money right off the bat.

[C]

If you've never met anybody and they're asking you for money.

[D]

Yeah.

[C]

Because they love you, the answer is, abs.

[D]

Especially if you floated out saying, hey, I'd like to fly you here. That's one thing. But if he's asking, hey, could you lend me some money because I want to come see you.

[C]

Right. Here's the problem also, if it's like two or three hundred bucks, you'll take that hit. But old people will keep doing that until it amounts to 2,000 because they're like, oh, it's just nickel and diamonds here and there. It's no big deal.

[D]

Even that's better than 20,000.

[C]

20 grand is insane. If it was a one punch for 20,000, that's silly. If she got 500 here, a couple hundred here, and it all added up to 20,000, you could see kind of where grandma was lost, because maybe she's getting a little love in return and the guy's staying in contact. That's how they get you as they'll take the 500 bucks and say, thank you so much. They'll stay in contact. So you feel like, oh, they're not grifting me, or they'd have run away. Then it gets up to like 20,000. Bad news don't do it.

[D]

Well, I want him to fly him first class.

[C]

Oh, yeah. 20 grand's an awful lot to get somebody out from. He's an oil rigger. Stop it, Brett. Jackass. And I hate you. Is that safe or. No. And that's usually the bottom.

[A]

I just highlighted money.

[C]

Yeah, I know. I saw that part too.

[D]

An oil rigger.

[C]

What's that?

[D]

Makes good.

[C]

They make great money. Yeah, if he's good at it. If he's a poor one, he's bad at his job and you shouldn't be interested in it. Anyway. Anyway, we'll answer. Aiden's off the air because he says, be careful. I have friends and family. I screwed up because I saw his name and it's all highlighted on the thing. It's like, look up. Bold print, like, yay, I know you. And then, oh, if he's listening and.

[D]

We'Re not getting to him, I can just tell you, roll on.

[C]

Cut it off. Yeah, yeah. He's our trans listener.

[D]

I've been in that situation.

[C]

Yeah, and you chopped it right off.

[D]

No, it took me twice. I mean, the same thing.

[C]

Aiden.

[D]

Yeah, his situation where he's like, oh, you've read it? Yeah.

[C]

Oh, I didn't read it. Oh, I thought when? Because he's a trans man. No, no, no, don't do it. He said not to. He said don't. No, no.

[A]

Yeah, he said don't.

[C]

He said don't. You're just gonna tell him anyway. Aiden, we'll get back to you later. When Brady starts spewing about it on the air like he watched Wolverine again. He dies at the end of Logan. It's dumb. Comes out Friday. Springsteen lives. Yawn. There you go, everybody. That is what Brady did. Stop giving money to pictures. It's 98. It's not weird.

[D]

It's pretty cool, actually.

[C]

No membership fees. I have heard enough of this. It's John Holberg here. Time to talk about TVs Doug Hopkins of my home group and Doug Hopkins dot com. I just sat down with TVs Doug Hopkins and we did some TV commercials while we're watching football. So you get to see me sit next to Doug and somehow or another make Doug look pretty. And I'm happy to do it too. I bought and sold houses using Doug Hopkins. So I've been through the process and he's the real deal. He is not going to cancel or change the game with fine print contingencies. Simple cash offer and the deal is done. Start the process [e-mail] or grab the phone and sing Hopkins 1-800-sale now.

[F]

This is Michael with Restore My Civil Rights. I made a lot of poor decisions in my past that had lifelong consequences. After I was released from prison for the last time in 2014, I discovered the process to have my convictions dismissed and all of my rights restored, including my Second Amendment rights. Since achieving this for myself in 2018, our attorney has assisted over 3,000 others in doing the same. If you are still living under the consequences of past mistakes and would like to restore your rights as I have, visit restoremycivilrights.com and book a free consultation today.