Dave Ramsey

Posted May 04, 2016

Dear Dave, Im getting married this summer, and Im on Baby Step 4 of your plan while starting to invest for the first time. My fianc is getting onboard with your advice, and hes currently in the process of paying down his student loan. Should I put my emergency fund money, minus $1,000, toward his student loan debt?

Posted May 03, 2016

Dear Dave, Ive always heard that you shouldnt ask a family member to be the executor of your will. What are your feelings about this?

Posted April 27, 2016

Dear Dave, I pastor a small church that is debt-free. Id like for us to save an emergency fund for the church, but Im not sure what would be considered an expense. Can you help?

Posted April 26, 2016

Dear Dave, I know when it comes to investing you like mutual funds and paid-for real estate. What do you think about using condominiums as investment properties instead of single-family homes?

Posted April 20, 2016

Dear Dave, My wife and I are following your plan, and were in the middle of the Baby Steps. Do we have to wait until Baby Step 7 to buy a new car?

Posted April 19, 2016

Dear Dave, Im a senior in high school here in Arkansas, and I think I want to study business in college. Ive gotten an unusual offer from a small, out-of-state school. It revolves around a $3,000 student loan program, where the loan converts to a scholarship if I maintain a grade point average of 3.3 or higher. Tuition at this college costs about $34,000 a year, so I was wondering what you think about the idea.

Posted April 14, 2016

Dear Dave, Im debt-free except for my house. I make about $120,000 a year, and I have a truck thats worth around $33,000 and a car thats worth $28,000. I dont have an emergency fund, so I was wondering if I should sell the truck to establish my emergency savings.

Posted April 13, 2016

Dear Dave, My husband and I are just starting to get control of our finances, but we have a problem. My dad has a habit of expecting us to buy things for him.

Posted April 06, 2016

Recently, I got a speeding ticket. Im also following your plan, so I was wondering if a speeding ticket is a good reason to dip into my emergency fund.

Posted April 05, 2016

How do you decide whether or not to sell collectible memorabilia when youre getting out of debt?

Posted March 31, 2016

Dear Dave, Will hospitals take a settlement on past due medical bills, or is this a rare occurrence?

Posted March 30, 2016

I took a new job less than a month ago. Just the other day, I was recruited by a huge company for the same position that pays twice what Im making now. I didnt apply for the job that was offered; they came directly to me. I didnt sign a contract or promise to work a certain length of time with my current employer, but theyre good people and I want to do the right thing and handle things well. Do you have any advice?

Posted March 23, 2016

Dear Dave, In your opinion, what causes overspending?

Posted March 22, 2016

Dear Dave, We have two daughters, and weve started thinking about financial planning for college. What are the differences between an Education Savings Account and a 529 plan?

Posted March 15, 2016

Dear Dave, My dad and I have been having arguments over real estate and money. My wife and I are 33, and we have a rental property.

Posted March 09, 2016

Should I ever consider a 5/1 adjustable loan if Im buying a house and plan to pay it off in five years?

Posted March 08, 2016

Dear Dave, Do I set aside six months worth of paychecks or the amount of my bills for six months when its time to save up my fully funded emergency fund?

Posted March 03, 2016

Dear Dave, My wife and I are in Baby Step 2 of your plan, and weve got our 20th wedding anniversary coming up in a few months.

Posted March 02, 2016

Dear Dave, My boyfriend is wondering if he should buy life insurance for his mom and dad.

Posted February 24, 2016

Dear Dave, My wife received $100 from her parents for her birthday. When I asked what she planned to do with it, she said she was going to add it to her spending money. I think she should put it toward us paying off debt, but I bit my tongue and didnt say anything. Were in pretty good shape financially, so should I mention it or just let it go?


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