Dave Ramsey

Posted November 24, 2015

Dear Dave, How do you have a wedding without debt?

Posted November 18, 2015

Dear Dave, My wife and I are on Baby Step 3 of your plan. When we have standard car repairs, I want to use the emergency fund. She says that kind of thing isnt an emergency, and we should just put it off as long as possible while saving up to fix the problem. Whos right?

Posted November 17, 2015

Dear Dave, Ive been trying to get control of my money, and the other day I was looking at your plan. Where does buying a house fit into the Baby Steps?

Posted November 11, 2015

Dear Dave, My husband and I are about to relocate to another part of the country. Wed like to sell our house, but were thinking about taking out a small loan to have some work done first. We could get in the $180,000 range selling it as-is but closer to $200,000 if we installed new roof, carpeting, exterior paint and concrete work. I know how you feel about debt, but what are your thoughts in this scenario?

Posted November 10, 2015

Dear Dave, I work as the executive director of a nonprofit charitable organization. Lately, Ive been wondering if I should hire an employee as a development person. I dont want to damage the work we do, and I cant help but look at bringing in someone new as a gamble. Do you have any suggestions? How do you handle situations like this?

Posted November 06, 2015

Christmas is the best. You get to hang stockings, shop for your favorite people, and potluck like a champ. Theres no other time of the year quite like it. Thats why its so easy to get carried away with your seasonal shopping!

Posted November 04, 2015

Dear Dave, Im 45 years old and a single mom. I have a decent job, but I want to go back to school to become a nurse. The money would be much better than what I make now, but Id have to take out student loans to make this happen. Is it worth the risk?

Posted November 03, 2015

Dear Dave, Our son is a senior in college. We all signed a contract before he left for school a few years ago stating that we would pay for school and provide him a car to drive as long as he maintained good grades and behaved in a respectful and mature manner.

Posted October 28, 2015

Dear Dave, Ill be moving out to finish college next year, and Im not sure how to find a good roommate. I know this isnt a money question exactly, but I listen to your show and value your opinion. Do you have any suggestions?

Posted October 27, 2015

Dear Dave, My wife and I just started your class, and were determined to get out of debt. At the same time, Id like to do something to reduce the stress in her life. Shes a nurse, and she works three 12-hour night shifts a week. Im a teacher, and I think we possibly could get by if she cut down to just two nights a week and worked part time. Would this be a good idea?

Posted October 21, 2015

Dear Dave, I know youre all about getting out of debt, and I agree with your stance on that. I started college last month, and scholarships and Pell Grants will pay for everything. But is saving money really that important if youre young and have a good income? What good does money do you if you dont use it for something?

Posted October 20, 2015

Dear Dave, My husband and I live on a budget and are getting out of debt. Our daughter is in high school, and weve been teaching her about your plan. Is it realistic to expect a 16-year-old with a part-time job and a hand-me-down car to make and live on a budget?

Posted October 14, 2015

With the holiday season just around the corner, its easy to lose track of your spending. Even the hardcore budgeters out there can find themselves lured into the retail marketing engine telling them to buy more, more, more.

Posted October 13, 2015

Dear Dave, Ive spent most of my marriage not being a good husband and not being involved in our family finances. After being introduced to one of your programs at work, I realized how irresponsible I had been and went home to apologize and tell my wife about it.

Posted October 08, 2015

Dear Dave, Our family has an account at a movie rental store. I rented a movie the other day, and forgot to take it back on time. The late fees add up to $20. Im in college and have a part-time job, so my parents think I should pay the late fees. They started the account, so shouldnt they have to pay the fees?

Posted October 07, 2015

Dear Dave, Im having issues with my youngest brother, and I need some advice. Hes 25, divorced and has two kids. He only wants to play dad when its convenient for him, and hes very irresponsible with money as well.

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?


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