Dave Ramsey

Dave Ramsey

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Dave Says Listen and Lessen your Need for Life Insurance

By Dave Ramsey (May 15, 2012)

Dear Dave, I’m a single dad with two teenagers at home. My 15-year-old son wants to open a checking account of his own, but he doesn’t want me or anyone else to have access... more

Dave Says Get Intentional with your Money

By Dave Ramsey (May 08, 2012)

Dear Dave, I have a problem with impulse spending. I switched to a debit card so that the money comes straight out of my checking account, but I still buy things I know I... more

On Business Dave Says Leaders are Made

By Dave Ramsey (May 03, 2012)

Dear Dave, Do you feel that some people are born leaders, or do you have to read and study to become one? Michael Dear Michael, I don’t believe anyone is born a leader.... more

Dave Says Baby Step 3 the Key

By Dave Ramsey (May 02, 2012)

Dear Dave, I’m about to complete Baby Step 3. I’ve been very intense about following your plan, but I was wondering if there’s ever any kind of frustration or letdown after... more

Dave Says Do What You Need to Take Care of Kids

By Dave Ramsey (Apr 25, 2012)

Dear Dave, I just lost my job due to company-wide layoffs. I have an emergency fund, but I’m losing my health insurance. Our state has a program that covers children’s... more

Dave Says God Didn't Make Marriage a Business Venture

By Dave Ramsey (Apr 18, 2012)

Dear Dave, Does it matter whether it’s the husband or the wife who keeps the checkbook and pays the bills? Lots of people say that kind of thing is the man’s job, but I was... more

Dave Says Don't Let Money and Children Yank Your Chain

By Dave Ramsey (Apr 11, 2012)

Dear Dave, Is it ever a good idea to sell your home and buy a smaller, less expensive one in order to get out of debt more quickly? Autumn Dear Autumn, It’s a good idea... more

Dave Says On Business Fire that Accountant

By Dave Ramsey (Apr 09, 2012)

Dear Dave, My dad died earlier this year, and as a result my mom and I inherited his auto parts business. He had a lot of accounts receivable piled up, and we need to... more

Dave Says Move It

By Dave Ramsey (Apr 04, 2012)

Dear Dave, My husband works two hours away from home. He gets up at 3 a.m. and doesn’t get home until 7 p.m. We have a fully funded emergency fund, and he makes $95,000 a... more

Dave Says You're Looking for Trouble

By Dave Ramsey (Mar 28, 2012)

Dear Dave, I want to keep one of our credit cards open and use the bill-pay option for utilities and other monthly bills. I want to do this so we can continue earning... more

Dave Says Teach Your Children Well

By Dave Ramsey (Mar 21, 2012)

Dear Dave, Is there some way to put a block on a credit report prior to sending a kid to college, so that the credit card hustlers can’t get to them? Trevor Dear... more

Dave Says: Here's the Reason I'm on the Planet

By Dave Ramsey (Mar 13, 2012)

Dear Dave, I was wondering why you recommend doing a fresh budget every month. Once you’ve figured out your expenses and income, won’t the same budget work month to... more

Dave Says Move!

By Dave Ramsey (Mar 07, 2012)

Dear Dave, We keep getting offers in the mail from a law firm that offers to protest the assessed value of our home for property tax purposes. They say that we’ll pay them... more

Dave Says on Business: Company Owes you Nothing

By Dave Ramsey (Mar 02, 2012)

Dear Dave, I’ve been self-employed all my life, and I work my tail off every day. The other day I heard some guys complaining about their jobs and saying that their company... more

Dave Says Don't Lose the Hog, Lose the Debt

By Dave Ramsey (Feb 29, 2012)

Dear Dave, My husband and I have been through Financial Peace University. I’ve always been the numbers nerd, although he’s catching on and doing pretty well. He has a... more

Dave Says Three Houses Might Not be Just Right

By Dave Ramsey (Feb 22, 2012)

Dear Dave, My husband’s company recently told everyone that massive layoffs are coming, and they should start looking for other jobs. Right now, all of his options are... more

Dave Says Don't Get Married to Debt Yet

By Dave Ramsey (Feb 14, 2012)

Dear Dave, My boyfriend has a lot of debt. The other day a creditor called, and he wouldn’t answer the phone. Then, he told me it would be easier for him to pay off his... more

Dave Says "Same as Cash," Same as Dumb

By Dave Ramsey (Feb 08, 2012)

Dear Dave, My wife and I bought some furniture a while back on what we thought was a 24-months-same-as-cash plan. The original purchase price was $1,600. The other day, I... more

On Business, Dave Says Don't Go All In

By Dave Ramsey (Feb 02, 2012)

Dear Dave, My husband hates his dead-end job and is talking about cashing out his 401(k) to open a franchise of his own. Does this sound like a wise move to... more

Dave Says Insurance, Insurance

By Dave Ramsey (Feb 01, 2012)

Dear Dave, I’ve got auto insurance, but can you tell me what other kinds of insurance are good to have? Chris Dear Chris, The purpose of insurance is to transfer risk... more

Dave Says Keep Your Money and Teeth

By Dave Ramsey (Jan 25, 2012)

Dear Dave, In your plan, you talk about Baby Step 3 as saving enough to have three to six months of expenses in your emergency fund. My husband and I were wondering how you... more

Dave Says Baby Step 3

By Dave Ramsey (Jan 17, 2012)

Dear Dave, We’ve read about your plan, and we’re in pretty good shape financially, but we don’t know what to do next. We have $400,000 in a 401(k) for retirement, but we... more

Dave Says Don't be the Evil Daughter-in-Law

By Dave Ramsey (Jan 13, 2012)

Dear Dave, I have old credit card debt that goes back a few years. The account has been sold and re-sold to several collection companies. The limit on the card was $300, but... more

Dave Says Car Leasing is Fleecing

By Dave Ramsey (Jan 04, 2012)

Dear Dave, My husband is a landscaper who works for the state. He has his technical license and wants to start a business doing private work as well. What advice would you... more

Dave Says the Bible Says It's Wise to Save

By Dave Ramsey (Jan 03, 2012)

Dear Dave, My wife and I have gone from having almost nothing to making about $90,000 in the last few years. The problem is that I can’t get her interested in saving money.... more