Dave Ramsey

Posted February 04, 2016

Dear Dave, Ive started my four-year-old on an allowance structure and a chore chart. I also have a mini-envelope system with spending and saving set up, but Im having trouble helping him distinguish between the two. How can I solve this?

Posted February 03, 2016

Dear Dave, Ive been following your plan, and Ive finally gotten out of debt and feel I have control of my finances. Im also single, and I was wondering if you have any tips for how to gracefully mention financial topics and budgeting when youre on a date.

Posted January 28, 2016

Dear Dave, Do you recommend having people keep their W2 numbers as close to their tax return numbers as possible, even if they might have to pay at the end of the year or have more taken out?

Posted January 27, 2016

Dear Dave, My husband was laid off a month ago from a job making $80,000 a year. We have no debt except our house payment.

Posted January 22, 2016

My wife and I recently followed your plan and became debt-free, and were committed to never going back there again.

Posted January 22, 2016

Dear Dave, What kinds of insurance should I avoid?

Posted January 13, 2016

Dear Dave, My fianc and I are getting married in May. Hes a youth pastor, and Im in grad school. His mom and dad found a home they think well like, and they want to gift us money for a down payment. Im not sure how I feel about this under our present circumstances. Do you think we should go ahead and accept when Ill still be in school and well still have debt to pay off?

Posted December 24, 2015

Dear Dave, I havent spoken to my mom and sister in more than six months. Over time, I realized we have a real clash of moral values that has led to arguments and hard feelings.

Posted December 23, 2015

Dear Dave, I work as a software developer, and recently a co-worker approached me about starting a side business together.

Posted December 16, 2015

Dear Dave, Im starting a side business of putting up Christmas lights for people. Will I need to get a business license?

Posted December 15, 2015

Dear Dave, I woke up this morning and realized I havent started Christmas shopping yet. Ive been listening to you for a long time, and I dont want to fall in the trap this year of paying outrageous prices for things just because I have waited until the last minute. Can you give me some tips on how to save on Christmas gifts and not overspend?

Posted December 09, 2015

Dear Dave, Do you view personal debt and business debt the same way? I have about $210,000 in farm loans that are mostly tied up in land I rent to farmers. Its the only debt I have, and the rental prices supply me an income of about $200,000 a year.

Posted December 08, 2015

Dear Dave, I started working your plan earlier this year. I even budgeted for Christmas and got my shopping done early, but in the process I overspent and blew my whole monthly budget. Now Im having a hard time getting motivated again. Do you have any suggestions?

Posted December 02, 2015

Dear Dave, After struggling with it for several years, I finally made the last payment on my Sallie Mae student loans this week. Do you think I should ask for a formal letter stating that its officially paid off?

Posted December 01, 2015

Dear Dave, The guy who has been my best friend since grade school recently asked me to loan him $5,000. All I have in savings in $5,000, but I would be willing to give him $1,000. The problem is that while hes a great friend with a good heart, hes always getting himself into binds when it comes to money. Do you think I should give him $1,000?

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?

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