Dave Ramsey: Check cashing for the unbanked
Q: I know you hate payday loan companies. Do you feel the same way about check-cashing companies?
View ArticleDave Ramsey: Most gamblers can't afford to lose money
Q: How do you feel about gambling at a casino, as long as you limit your spending and don’t expect to win big money?
View ArticleYou don't inherit in-laws' debt
Q: My in-laws have lots of debt. In fact, they’re always joking that the debt they’ll leave us is more than the inheritance. How will this affect my wife and family if they die with all their debt...
View ArticleDave Ramsey: Don't get used to luxuries while paying off debt
Q: I recently got a new job that will increase my income by $20,000 a year. I’ve got $65,000 in debt, and I’m trying to pay it off, so I know I need to adjust my budget. Do you have any suggestions for...
View ArticleDave Ramsey: Keep work expenses separate from personal
Q: My wife and I are debt-free except for our home. She travels one week per month and charges her expenses to a personal credit card for reimbursement later. I’d rather we open a checking account with...
View ArticleDave Ramsey: Is extravagant giving foolish spending?
Q: My husband and I are debt-free, and we have several hundred thousand dollars in savings. We pay for our children and grandchildren to visit during Christmas each year, but my mother thinks this is...
View ArticleDave Ramsey: Your bank's advice is bad
Q: I want to roll over a 401(k), and my bank is encouraging me to roll it over to fixed annuities. Is this a good investment?
View ArticleDave Ramsey: Problems with no credit score?
Q: I’m 20 years old, and I’m trying to get out of debt. However, I’m concerned about what might happen when I’m older and don’t have a credit score. My girlfriend says I won’t be able to get a job or...
View ArticleDave Ramsey: Pay for college with hard work, scholarships
Q: 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 timeline, so what is your reasoning...
View ArticleDave Ramsey: Put IRS debt on top of list
Q: I owe the IRS $6,000, and currently I’m making monthly payments. Should I roll this debt into my debt snowball and then really attack it when it gets to the top of the list?
View ArticleDave Ramsey: Help your friend the right way
Q: My wife and I have a friend we met through the Big Brothers Big Sisters program. She has a 1-year-old child, and she recently asked us for some money. We don’t really approve of how she’s choosing...
View ArticleDave Ramsey: Pay right amount for house
Q: I know you recommend that no more than 25 percent of your take-home pay should go toward rent or a mortgage payment. Should taxes and insurance be figured into this amount?
View ArticleDave Ramsey: Have babies if you want babies
Q: My wife and I are debt-free except for our house, and she would like for us to go ahead and start a family. I make good money, but I’d still like to wait a little longer and add some extra to our...
View ArticleDave Ramsey: Millionaire widow needs a prenup
Q: My husband died several years ago. He always worked very hard, and we did very well financially. I am now 48 and have $3.8 million in assets. I’ve found a wonderful man who is very stable and loving...
View ArticleDave Ramsey: Roll 401(k) into IRA when changing jobs
Q: How should I handle my 401(k) when moving from one job to another?
View ArticleDave Ramsey: Opt for tax-free Roth 401(k)
Q: My current employer offers a regular 401(k) and a Roth 401(k). I’ve got several years before I retire, so which one should I choose?
View ArticleDave Ramsey: Wait to buy house until after one year of marriage
Q: I’m 24-years old, and just got married two months ago. We make $80,000 a year, and have our emergency fund in place with no debt. Plus, we’ve saved up for a 15 percent down payment on a house. I...
View ArticleDave Ramsey: Contentment not on same spectrum as ambition
Q: My husband has a great job, and I love my work and schedule as a substitute teacher. However, he wants me to take a full-time position so we can build more wealth. The only debt we have is our...
View ArticleDave Ramsey: Job choice about personal comfort level and quality of life
Q: I have job offers from two tech companies. One is in San Antonio and pays $55,000 a year, while the other is in Silicon Valley making $100,000 a year. My friends are advising me to move to...
View ArticleDave Ramsey: Don't leave an estate with life insurance
Q: My mom is 71 and debt-free. She's investing $600 a month in a universal life insurance policy worth $250,000 because she wants to leave something behind when she dies. What could she invest this...
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