Dave Ramsey

Posted October 02, 2015

One of the most popular small business questions I receive on a regular basis might surprise you. It goes something like this: How do you run a successful company without it completely taking over and ruining your life?

Posted October 01, 2015

Dear Dave, My husband and I have a disagreement on whether or not you would recommend buying a home warranty to cover appliance repair. Ive read your books, and I think youd say no. He thinks you believe its a good idea. Can you settle this for us?

Posted September 30, 2015

Dear Dave, If a credit card company has charged off a debt, can they still sell that debt to someone else who can come after it? Im currently receiving calls about a debt thats more than 20 years old. Do you have any suggestions?

Posted September 24, 2015

Dear Dave, With all the economic problems in the country today, what can college students do to avoid money problems in the future?

Posted September 23, 2015

Dear Dave, I recently tried to cancel a credit card, and the customer service representative told me that doing this would cancel out my entire 14-year credit history. Is this true?

Posted September 17, 2015

Dear Dave, Im going to college next year, and Im pretty scared. My older brother is smart, but his grades arent too good. He says he cant find time to study and work. How do people do it?

Posted September 16, 2015

Dear Dave, I started my own small bakery from home two years ago, providing wedding and specialty cakes. I just found out Im pregnant, and while my husband and I are really excited about the baby, were worried about how well handle things after the baby is here. We both work long hours, but we dont make a lot of money. I made about $20,000 last year, and he currently makes $35,000 working 60 to 70 hours a week. Do you have any advice for us now and after the baby arrives?

Posted September 10, 2015

Dear Dave, I live in Pennsylvania, and Im accepting a new job out of state. My wife and I will be in this new area for at least two years, and were not sure if we should rent or buy a house.

Posted September 09, 2015

Dear Dave, Im trying to get out of debt. I make good money and do consulting for a living. I put about 4,000 miles a month on my car.

Posted September 03, 2015

Dear Dave, Ive heard you talk about extreme spenders and extreme savers. Exactly what do these terms mean?

Posted September 02, 2015

Dear Dave, My wife and I moved to Washington, D.C., about a year ago, and wed like to put our old place in North Carolina that weve been renting on the market. Well be asking around $140,000 for it, so do you think we should consider professionally staging the home?

Posted August 27, 2015

Dear Dave, Why do you say that personal finance is 80 percent behavior? I thought money was more about math and keeping track of things.

Posted August 26, 2015

Ive worked in a hospital as a nurse for 10 years. I make good money working long hours. The problem is that it seems to disappear, and Im left trying to stretch those last few dollars to the end of the month.

Posted August 21, 2015

For more than 20 years, Ive had the honor of helping millions of families take control of their money and stop drowning in debt. Its been awesome to see so many people change their lives!

Posted August 20, 2015

Dear Dave, I own a small business specializing in cell phone repair. Sometimes I buy phones and parts on eBay.

Posted August 19, 2015

Dear Dave, My wife and I really got serious about your plan. We even sold our house to become completely debt-free. Now, were trying to help my mom and dad.

Posted August 12, 2015

Dear Dave, My wife and I are recent graduates with advanced degrees. We also have about $300,000 in student loan debt. Were thinking about buying a rental property, and the plan is to get a mortgage with monthly payments of $400 and charge $800 in rent. We could use the extra to help pay off our debt. Do you think this is a good idea?

Posted August 11, 2015

Dear Dave, Im 61 and on disability, but Im completely debt-free and I have more than $1 million in assets. I even try to spend no more than four percent of the principal each year, so I dont dip into it. I need to buy a better car, and I realize that I have three options pay cash, do a lease or finance the vehicle. What do you suggest?

Posted August 07, 2015

Raises are almost as much fun to give as they are to receive.

Posted August 05, 2015

Dear Dave, Weve made an offer on a house we really like through a first-time buyers program. Now, after looking over our budget and debts again, my wife and I are having second thoughts. We havent signed or turned in any paperwork yet. What do you think we should do?