Dave Ramsey

Dave Ramsey

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Dave Says When to Buy Toys

By Dave Ramsey (Dec 31, 2011)

Dear Dave, I’ve noticed that lots of people get defensive when it comes to talking about money and living on a plan. Why is this? Tonya Dear Tonya, I think it’s because... more

Dave Says Fess Up to Dad for Missing Payment

By Dave Ramsey (Dec 20, 2011)

Dear Dave, I’ve heard you say that people spend more with plastic than with cash. Exactly what does that mean? Edmund Dear Edmund, There have been several studies done in... more

Dave Says Be Choosey How You Give

By Dave Ramsey (Dec 14, 2011)

Dear Dave, Our financial situation is pretty good now, and my husband and I feel it is time to start giving something back. There are several organizations we’re interested... more

Dave Says Time to Close Shop

By Dave Ramsey (Dec 08, 2011)

Dear Dave, My husband and I are taking your classes and following your plan. We own a roofing company. We offer six months, same as cash, and we accept credit cards. What... more

Dave Says Avoid the Stupid Tax

By Dave Ramsey (Dec 07, 2011)

Dear Dave, I’m about to buy my first home. My plan is to buy a duplex and rent out the other side to help pay down the mortgage quickly. A friend of mine wants to be my... more

Dave Says Your Husband's Gone Gazelle Intense

By Dave Ramsey (Nov 30, 2011)

Dear Dave, When does reaching the point of being debt-free become more important than marriage? We’re following your plan and doing the debt snowball, but my husband’s been... more

Dave Says a Mobile Home is Just a Large Car to Live In

By Dave Ramsey (Nov 25, 2011)

Dear Dave, I’ve heard you tell people not to buy mobile homes. We bought one when we moved out of our apartment, and it’s been much cheaper for us. Why do you feel this... more

Dave Says Leave the Land of MasterCard Bondage and American Distress

By Dave Ramsey (Nov 15, 2011)

Dear Dave, I have a couple of rental houses, and I was thinking about unloading them at auction instead of renting them out again. What are your thoughts on selling homes at... more

Dave Says Forget the Crummy Family

By Dave Ramsey (Nov 08, 2011)

Dear Dave, My grandfather passed away a couple of months ago. I’m 32 and the only relative still living in town, so I helped take care of him and his place so he wouldn’t... more

Dave Says Build a Cash Reserve

By Dave Ramsey (Nov 03, 2011)

Dear Dave, Not long ago I was laid off from my job at an auto repair shop. I have some tools of my own, and was thinking about opening my own business. The problem is there... more

Dave Says Gambling is Not a Career Move

By Dave Ramsey (Nov 02, 2011)

Dear Dave, Is it a good idea to include teenagers in financial talks and budget meetings? Paul Dear Paul, I think it’s a great idea, as long as it’s not an extreme... more

Dave Says $300,000 to Replace a Wife

By Dave Ramsey (Oct 26, 2011)

Dear Dave, I’m 21 and make $45,000 a year. I’ve heard about your 100 percent down plan to buy a house. I’d like to know more about this, and where I should put the money I’d... more

Dave Says Make Your Money Behave

By Dave Ramsey (Oct 19, 2011)

Dear Dave, I just got married to a wonderful lady with two children. We’ve talked over our financial situation, and we’re determined to get out of debt within two years.... more

Dave Says There is Weirdness in this Economy

By Dave Ramsey (Oct 12, 2011)

Dear Dave, I live in New York, and even though I follow your advice and live on a budget, it’s really hard to save up for a down payment on a house. My family in South... more

Dave Says No Fast-Food Free Lunch

By Dave Ramsey (Oct 05, 2011)

Dear Dave, I love your plan, but I think my husband is attached to eating out. Budgeting is very hard for him, and the cost of his fast food lunches is making it difficult... more

Dave Says Only Way to Trade Online: Don't

By Dave Ramsey (Sep 28, 2011)

Dear Dave, How do you feel about online trading for building a stock portfolio? Assuming that someone has done their homework on which stocks to buy, is there anything else... more

Dave Says Sister Needs Attitude Adjustment

By Dave Ramsey (Sep 21, 2011)

Dear Dave, My older sister hasn’t worked in two years. She hasn’t even looked for a job, she’s 36, and she’s been living with our parents the whole time. They want to set... more

Dave Says How Close Do You Want Your In-Laws?

By Dave Ramsey (Sep 14, 2011)

Dear Dave, My husband and I have been married for three months, and we’re debt-free. Right now, we’re trying to save up a 20 percent down payment for a house. I work for a... more

Dave Says Give that Kid a Hand

By Dave Ramsey (Sep 07, 2011)

Dear Dave, Several months ago, my five-year-old son told me he wanted a Nintendo DS. He does little things around the house for me, and at his grandparents’ place, so I told... more

Dave Says Borrower is the Slave to the Lender

By Dave Ramsey (Aug 31, 2011)

Dear Dave, My husband needs a liver transplant within the next two years, because he has Hepatitis C. We make about $70,000 a year, but we have $25,000 in debt. He’s still... more

Dave Says Spread the Money Around

By Dave Ramsey (Aug 23, 2011)

Dear Dave, I need advice on how to handle things where my mom is concerned. She was diagnosed with ALS (Lou Gehrig's disease) a year ago, and now she wants our family to do... more

Dave Says OK You're Not Dead

By Dave Ramsey (Aug 17, 2011)

Dear Dave, I’ve heard you tell people that having $90,000 to $100,000 saved up for retirement isn’t enough. That’s what I’ve got set aside right now, and I’m pretty sure... more

Dave Says It's Just Another Gimmick

By Dave Ramsey (Aug 09, 2011)

Dear Dave,Can you share some tips on bargaining, whether for a used car or even a washer and dryer in the classifieds?Ray Dear Ray,This is a great question! Bargaining is one... more

Dave Says on Business Always Lead with a Servant's Heart

By Dave Ramsey (Aug 03, 2011)

Dear Dave, I started my own small business a couple of years ago, and thanks to a lot of hard work and your advice, we’re seeing some growth. If you could go back and... more

Dave Says Teens Don't "Own" Cars

By Dave Ramsey (Aug 02, 2011)

Dear Dave, What is unsecured debt? Anonymous Dear Anonymous, This is a great question! You’d be surprised how many people don’t know the difference between “secured” debt... more

Dave Says Mom Stay at Home with Kids

By Dave Ramsey (Jul 27, 2011)

Dear Dave, My wife and I are about to have our first child. She’d like to stay home with the baby after it’s born, so we’ll be losing about half our income. We’ve looked at... more

Dave Says: Hugs and Cookies Are (Almost) Free

By Dave Ramsey (Jul 19, 2011)

Dear Dave, My husband and I are adopting my nephew. His mom is involved with drugs and alcohol, and his father isn’t in the picture. We’ve got $1,000 in the bank, and we’re... more

Dave Says Mom Packed Bag for Guilt Trip

By Dave Ramsey (Jul 12, 2011)

Dear Dave, My mom makes $20,000 a year, and without telling me she took out a Parent PLUS Loan for $16,000 to help me with college. She’s saying she can’t pay the loan, and... more

Dave Says Immaturity Can Be a Lifetime Condition

By Dave Ramsey (Jun 28, 2011)

Dear Dave, Should I continue to contribute to my 401(k) at work up to the match if I’m still trying to get out of debt? Anonymous Dear Anonymous, Nope! I know, you... more

Dave Says Don't Let Your Husband Be Weak

By Dave Ramsey (Jun 21, 2011)

Dear Dave,My husband and I have been married less than a year, and already we’re having huge disagreements over money. He’s got a big heart, but often he’ll just give money... more

Dave Says Don't Shoot The Kid

By Dave Ramsey (Jun 14, 2011)

Dear Dave, I hear you talk about using an ESA when it comes to funding college for your kids. What can you do with an ESA, though, if your child decides he or she doesn’t... more

Dave Says Husband's Right

By Dave Ramsey (Jun 07, 2011)

Dear Dave, My husband and I can’t agree on how we should handle the child support payments I receive. He thinks it should be put in the pool with our household budget money,... more

Dave Says Live Below Your Means

By Dave Ramsey (Jun 01, 2011)

Dear Dave, I grew up in a house where my parents always lived below their means. They taught me to live that way, but they never showed me how to make it happen. Now, at 45,... more

Dave Says Watch That Landlord

By Dave Ramsey (May 25, 2011)

Dear Dave, I’m 42, and I haven’t started saving for retirement. I’m self-employed and not making a lot of money right now, plus I have about $8,000 in debt. It feels like... more

Dave Says Your Husband is Wrong

By Dave Ramsey (May 17, 2011)

Dear Dave, My wife and I have been following the Baby Steps, and we’ve paid off all of our credit card debt. We still have $51,000 in student loans left, and our combined... more

Dave Says Great Theory, Doesn't Work

By Dave Ramsey (May 10, 2011)

Dear Dave, I live in Alaska, and I’m considering using a credit card for the airline miles. This would make it easier and cheaper for me to visit my family in the Lower 48.... more

Dave Says Make Him Earn It

By Dave Ramsey (May 03, 2011)

Dear Dave, I recently received a beneficiary IRA when my mother passed away. I also received a small part of her estate. I’d like to share some of this with my 24-year-old... more

Dave Says No New Debt

By Dave Ramsey (Apr 27, 2011)

Dear Dave, We paid off our cars a few months ago, and that freed up almost $800 a month. We have two small children, and we’d like to take a camping trip in a few months,... more

Dave Says No To Pet Insurance

By Dave Ramsey (Apr 19, 2011)

Dear Dave, I recently lost my job due to layoffs. I’m luckier than most, because I’m debt-free except for my house, and I have three months of expenses saved. I’ll also... more

Dave Says A Little Over the Top

By Dave Ramsey (Apr 13, 2011)

Dear Dave, We have two teenage daughters, ages 17 and 16, who are both in high school and work in the family business. We’ve done our best to teach them how to... more

Dave Says There is No Future in Futures

By Dave Ramsey (Apr 06, 2011)

Dear Dave,My broker has recommended a managed futures fund. I’ve never heard of these, and I got the feeling she doesn’t know much about them, either. She’s always been very... more

Dave Says Working Has Benefits

By Dave Ramsey (Mar 30, 2011)

Dear Dave, I had a wreck seven months ago. As a result, I lost my job and have been drawing unemployment for the last five months. I was making $1,200 a month in retail... more

Dave Says: Jump On That Plan

By Dave Ramsey (Mar 23, 2011)

Dave Says Dear Dave, I’m 26, single, and I’ve been working your Total Money Makeover plan to pay off my debt. Right now, I have just $25,000 left to pay off, including my... more

Dave Says Try On a Career

By Dave Ramsey (Mar 15, 2011)

Dear Dave, I recently graduated from college, and I think I’d like to get into the real estate business as an agent. I don’t have much real world experience, so what can I... more

Dave Says: Lose That Debt

By Dave Ramsey (Mar 08, 2011)

Dear Dave, My wife and I just relocated for my new job. Right now we’re renting an apartment, and we should make about $15,000 on the sale of our old house. Should we use... more

Dave Says- Mom: Don't Go to Work

By Dave Ramsey (Mar 02, 2011)

Dear Dave, I listen to you often and enjoy your radio show, but why don’t you ever ask women to go to work? When a family is broke, and the woman is at home raising one... more

Dave says

By Dave Ramsey (Feb 22, 2011)

Dear Dave, I’m single, and I make about $70,000 a year. I’ve been able to set aside a nice bit of money in savings, and I’m paying off my student loans and car payment.... more

Dave Says-Relationship Fix

By Dave Ramsey (Feb 15, 2011)

Dear Dave, I have three stepchildren, the oldest of which is married and has a little baby. The only time we hear from him is when they want money. We don’t mind helping... more

Dave Says-Increase Your Earning Potential!

By Dave Ramsey (Feb 15, 2011)

Dear Dave, We have $21,000 in credit card debt, and ongoing medical expenses for our special-needs child. My husband works very hard, but only makes about $25,000 a year,... more

Dave Says-So, He Knows How To Manage Money?

By Dave Ramsey (Feb 07, 2011)

Dear Dave, My husband likes to borrow money on fix-up projects around the house. He says he knows how to manage money, and will pay the loans back quickly. The other day,... more

Dave Says-Girlfriend's Money Problems

By Dave Ramsey (Feb 07, 2011)

Dear Dave, I’m fairly responsible with finances, but my girlfriend is in a terrible financial situation with a lot of credit card debt, an expensive car payment, and a... more

Dave Says-Why Insurance and Not Warranties?

By Dave Ramsey (Jan 31, 2011)

Dear Dave, Can you explain how you view the difference between warranties and other types of insurance? Anonymous Dear Anonymous, The purpose of insurance is to... more

Dave Says-Why Retirement Before College?

By Dave Ramsey (Jan 31, 2011)

Dear Dave, I noticed that your Baby Steps list puts saving for retirement before saving for your kid’s college fund. Sending your kids to college would come first on the... more

Dave Says-Nix the Lawn Service?

By Dave Ramsey (Jan 24, 2011)

Dear Dave, We currently pay to have our lawn mowed each week. This expense is figured into our monthly budget, but we’re not quite out of debt yet. My wife says this is a... more

Dave Says-Dating on a Dime

By Dave Ramsey (Jan 24, 2011)

Dear Dave, I’m a recent college graduate, and I’m determined to follow your plan and get out of debt. My biggest problem is when it comes to dating. Things aren’t cheap... more

Dave Says-Piles of Cash?

By Dave Ramsey (Jan 18, 2011)

Dear Dave, You’re always talking about accumulating piles of cash. I’ve gone to church for several years, and the Bible says not to lay up treasures on earth. Doesn’t that... more

Dave Says-New Car in a Bad Situation?

By Dave Ramsey (Jan 18, 2011)

Dear Dave, My wife is divorcing me, and we just had our first baby boy. I feel it’s my responsibility to take care of her until the divorce is final, and to keep her in a... more

Dave Says-Can Loans Be Forgiven?

By Dave Ramsey (Jan 11, 2011)

Dear Dave, I’m 36, and I’ve been placed on permanent disability due to primary progressive multiple sclerosis. Is there a possibility I could petition to have my student... more

Dave Says-Not a Luxury These Days

By Dave Ramsey (Jan 11, 2011)

Dear Dave, We had just started your plan and saved $1,000 for our baby emergency fund when our laptop computer died. We do all of our finances online, including budgeting... more

Dave Says-Keeping Business Simple

By Dave Ramsey (Jan 11, 2011)

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-Closing the Account

By Dave Ramsey (Jan 03, 2011)

Dear Dave, Do you have any suggestions for closing a credit card account? I just paid off my last debt, and I want to close the account once and for all. Krista Dear... more

Dave Says-Dishonesty Is Not the Best Policy

By Dave Ramsey (Jan 03, 2011)

Dear Dave, I don’t hide debt from my spouse, but I do hide money from her. I’ve been squirreling away money for emergencies without her knowledge. She’s not terrible with... more