DAVE RAMSEY: If credit card offers are certain, just say 'No'
Dear Dave: How can I get credit card companies to stop sending us preapproved offers? My wife continues to sign up for these, and now we have $40,000 in credit card debt. — Dan
View ArticleDAVE RAMSEY: Make money calls on behavior, not math
Dear Dave: I went to medical school, and now I have $70,000 in debt. I just started a three-year residency making about $50,000 a year, while my wife makes $40,000. The student loans represent our only...
View ArticleDAVE RAMSEY: Me gamble? Try last two letters of casino
Dear Dave: How do you feel about gambling at a casino, as long as you limit your spending and don’t expect to win big money? — Brian
View ArticleDAVE RAMSEY: Debt is not part of inheritance
Dear Dave: 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...
View ArticleDAVE RAMSEY: Pay off your debt with passion
Dear Dave: 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...
View ArticleDAVE RAMSEY: Don't use your credit card for business
Dear Dave: 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...
View ArticleDAVE RAMSEY: Treat family if you are debt-free
Dear Dave: 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...
View ArticleDAVE RAMSEY: Put savings in traditional IRA
Dear Dave: 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? — John
View ArticleDAVE RAMSEY: Don't take on debt to gain credit score
Dear Dave: 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...
View ArticleDAVE RAMSEY: Save for retirement before college fund
Dear Dave: I noticed your Baby Steps list puts saving for retirement before saving for your child’s college fund. Sending your children to college would come first on the timeline, so what is your...
View ArticleDAVE RAMSEY: Don't use 401(k) to pay off debt
Dear Dave: I’m 23, transitioning jobs, and I make $32,000 a year. I have $11,000 in a 401(k), and about $15,000 in debt. Should I cash out the 401(k) to pay down my debt? — Cody
View ArticleDAVE RAMSEY: Add conditions to financial help
Dear Dave: 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 approve of how she’s choosing...
View ArticleDAVE RAMSEY: Don't fall into debt over home
Dear Dave: 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? — Kayla
View ArticleDAVE RAMSEY: With finances in hand, time is right for a baby
Dear Dave: 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...
View ArticleDAVE RAMSEY: Lots of money on table may necessitate prenuptial
Dear Dave: My husband died several years ago. He always worked hard, and we did well financially. I am now 48 and have $3.8 million in assets. I’ve found a wonderful man who is stable and loving with a...
View ArticleDAVE RAMSEY: Roll your 401(k) into an IRA when changing jobs
Dear Dave: How should I handle my 401(k) when moving from one job to another? — Tracy
View ArticleDAVE RAMSEY: Roth 401(k) plans are tax-free
Dear Dave: 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? — Jennifer
View ArticleDAVE RAMSEY: Buying used often wise decision
Dear Dave: What things do you advise buying used versus buying brand new? — Amy
View ArticleDAVE RAMSEY: Don't surrender joy to build wealth
Dear Dave: 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.
View ArticleDAVE RAMSEY: Cost of living a major factor when weighing job offers
Dear Dave: 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...
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