Dave Says Sell the cars, keep your dignity Dave Ramsey Dear Dave, My wife and I are in our late twenties, and we have two kids. Our combined income is about $110,000 a year, but we have $70,000 in loans on two cars, plus about $15,000 in credit card debt. My in-laws have offered to …
Dave Says It’s really about giving and putting others first Dave Ramsey Dear Dave, My wife and I have always attended church, and we have always tithed. Over the last few months, we have come to the decision it is time for us to find a place to worship that is a little more involved …
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Dave Says Simple keys to small business success Dave Ramsey Dear Dave, Do you have any advice on how to start a car wash and detailing business? What things should I consider first, and what do I keep in mind over the long run? Andrew Dear Andrew, I’m excited for you, man! And I love …
Dave Says Teach them, don’t enable them Dave Ramsey Dear Dave, My younger brother and his wife did their taxes last month and learned they owe $15,000 to the IRS. I love them both, but they are extremely irresponsible with money. I know they have a lot of credit card debt, too. I am debt-free, …
Dave Says You can have more than one life insurance policy Dave Ramsey Dear Dave, A relative of mine recently mentioned she had two life insurance policies. Is it okay for a person to have more than one life insurance policy? If so, why would someone do that? Victoria Dear Victoria, There aren’t any rules …
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Dave Says Focus on the debt first, then save and invest Dave Ramsey Dear Dave, My husband and I have paid off all our credit card debt, and we are following your Baby Steps plan. We still owe about $40,000 on two cars, and our combined income is around $150,000. Since we have a good …
Dave Says Don’t waste your time or money if you’re not serious Dave Ramsey Dear Dave, I’ve been wanting to start my own small business for years. The only problem has been my current job. I make good money, but I also put in a lot of hours. About a month ago, I came up …
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Dave Says I wouldn’t go that far Dave Ramsey Dear Dave, Our son is in high school, and he has a part-time job. He makes good grades, and we have always tried to teach him how to save and handle money according to your advice. He has even managed to set aside a few thousand …
Dave Says Stronger and in good financial shape Dave Ramsey Dear Dave, My husband and I are getting a divorce, and everything will be final in less than a month. I haven’t worked outside the home in a few years, but according to the terms of the divorce I’ll receive $75,000 in cash on the …
Dave Says Save an emergency fund before building your retirement fund Dave Ramsey Dear Dave, I just started Baby Step 3 of your plan. It took me about 12 months to pay off $8,000 in debt during Baby Step 2. I am 50, and I work in the printing industry making about $38,000 a year …
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