Dave Ramsey

Posted July 28, 2016

Dear Dave, I make $25,000 a year, and Im single. I expect my salary to increase to $35,000 next year, so can I get by with a $500 starter emergency fund instead of $1,000?

Posted July 27, 2016

My wife and I are on Baby Step 3 of your plan, and were about halfway to building our fully funded emergency fund.

Posted July 20, 2016

Dear Dave, Our daughter is a special needs child, who doctors say will live about half as long as the average adult.

Posted July 14, 2016

Dear Dave, Im in the middle of a Chapter 13 bankruptcy. Ive worked for years in the automotive industry, but lately Ive been thinking about a different line of work.

Posted July 13, 2016

Dear Dave, Were working the debt snowball, and together my husband and I make $93,000 a year. The amounts of our remaining three debts are so close we wonder if we should take interest rates into account.

Posted July 08, 2016

Dear Dave, I make $80,000 a year, and I was wondering if theres an easy way to determine how much money a person would need to live comfortably after retirement.

Posted July 07, 2016

Dear Dave, My husband and I have seven kids. What parts of your program work best for large families?

Posted July 06, 2016

Smart leaders learn from their mistakes. While its always easier (and less painful) to learn from the mistakes of others, messing up once in a while is inevitable. Hey, no ones perfect, right?

Posted June 30, 2016

Dear Dave, My husband and I make $180,000 a year combined, and we have a net worth of about $1.6 million.

Posted June 29, 2016

Dear Dave, My parents left their six-figure jobs to enter the ministry when I was in high school. That was 10 years ago, and my mom still regularly asks me to share my money with them.

Posted June 24, 2016

Dear Dave, Ive heard you talk about the importance of giving using the phrase outrageous generosity. But at what point does outrageous generosity become foolish overspending?

Posted June 22, 2016

Dear Dave, I make $38,000 a year working in the trade show industry, and Im about to start Baby Step 3.

Posted June 17, 2016

Dear Dave, In 15 months Ill be able to buy in as a shareholder of my firm, about 1.5 percent of the company. I make $100,000 annually, and it will cost me three times my income, but it could increase my income by as much as $40,000 a year. I know that you discourage single-stock investing, but do you think this is a good idea?

Posted June 15, 2016

Dear Dave, My husband and I are retired, we both receive nice pensions, and we owe $46,000 on our home. This is our only debt.

Posted June 13, 2016

As the weather heats up and summer arrives, dont make the mistake of letting your team and your business cool down.

Posted June 08, 2016

Dear Dave, Our son is 16, and he just got his first paycheck. He asked us about the best way to manage it, and were not sure what to tell him. Do you have any advice?

Posted June 07, 2016

Dear Dave, My mom and dad filed bankruptcy recently and are on a fixed income of $2,200 a month. They gave up their house, and my wife and I helped them find an apartment.

Posted May 27, 2016

Dear Dave, Based on your annual income, how do you determine how much house you can afford?

Posted May 24, 2016

Dear Dave, My wife and I are both in our early 20s, were debt-free, and were just a couple of months away from having a fully loaded emergency fund of six months of expenses.

Posted May 18, 2016

Dear Dave, Im going through a divorce thats about to become final in two weeks.

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