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DAVE RAMSEY


ARTICLES BY DAVE RAMSEY

Dave Ramsey: It may be uncomfortable but tell your dad 'no'
JUN 26, 2017

Dave Ramsey
 

Dear Dave,

My dad wants me to buy a house on a 30-year loan for him and my mom in my name, and let them make the payments. I’m 24 years old and have a good credit score and a nice apartment, but my job depends largely on how the oil industry is doing.

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Dave Ramsey: Fiance 'put controlling mommy ahead of his bride-to-be'
JUN 20, 2017

Dave Ramsey
 

Dear Dave,

My fiancé told me the other day he’s going to buy a failing restaurant with his mom, sister, and a family friend. None of them have any food service or business experience, and he has never said anything about wanting to own a restaurant.

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Dave Ramsey: To file or not file a claim, basically it's when you begin to feel the pain financially
JUN 14, 2017

Dave Ramsey
 

Dear Dave,

How do you know when you should file an insurance claim on a homeowner’s issue, versus just dealing with it and paying cash?

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Dave Ramsey: What to do with leftover money with envelope system
JUN 6, 2017

Dave Ramsey
 

Dear Dave,

When you use the envelope system, what should you do with any leftover money?

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Dave Ramsey: Would never advise someone to get or keep mortgage for tax deduction
MAY 16, 2017

Dave Ramsey
 

Dear Dave,

My wife and I are looking at buying a new home. We’ve been really blessed with our finances, and we’re at a point where we can pay cash for a new house and still have plenty of money in the bank. Should we do this, or is it a better idea to get a mortgage for the tax deduction?

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Dave Ramsey: Be a wise giver, not an impulsive giver
MAY 10, 2017

Dave Ramsey
 

Dear Dave,

Our son is 13, and he wants to give half the money he received for his birthday to the nursery at our church. They need new baby toys and things like that. Should we let him give that much, or should we tell him that maybe 25 percent is enough?

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Dave Ramsey: Crowdfunding isn't the answer
MAY 2, 2017

Dave Ramsey
 

Dear Dave,

I’d like to get involved in real estate investing, but I don’t have a lot of cash at present. What do you think of the idea of crowdfunding as a way to invest in real estate?

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Dave Ramsey: Don't compromise your emergency fund
APR 25, 2017

Dave Ramsey
 

Dear Dave,

My wife and I are debt-free, and we’re ready to start building our first home. We’re a little short on cash to make the 20 percent down payment you recommend, but we do have a fully funded emergency fund in place. Would it be okay to take a little out of our emergency fund to make up the difference?

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Dave Ramsey: Warns giving beyond your means
APR 17, 2017

Dave Ramsey
 

Dear Dave,

My wife and I are debt-free except for our home, and we’re on Baby Steps 4 and 5.

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Dave Ramsey: Relatives don't get a free pass to employment
APR 11, 2017

Dave Ramsey
 

Family and Business 

Dear Dave,

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Dave Ramsey: Put money into Roth IRA's instead of pension
APR 5, 2017

Dave Ramsey
 
 

Dear Dave,

My wife and I are both 25 years old, and we’re working on Baby Steps 4, 5 and 6. I have a 401(k) through my employer, and she has a pension. Currently, we’re falling short of the 15 percent of income you advise putting toward retirement. Should we get IRAs, or start stocking money away in her pension?

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Dave Ramsey: Overtime pay is for the family, not little boy wants
MAR 29, 2017

Dave Ramsey
 

Dear Dave,

My wife and I argue a lot about finances. We’re trying to get more control over our money, and she has been listening to you. That’s helped a lot. She’s also a lot more frugal than I am, and our biggest point of contention right now is how we handle our spending money. Whenever I work overtime at my job, I feel like I should be able to put the overtime pay toward my spending money. What are your thoughts on this?

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Dave Ramsey: Marrying student debts doesn't have to be a deal breaker
MAR 21, 2017

Dave Ramsey
 

Dear Dave,

One of my relatives just graduated from college with $20,000 in student loan debt. Her boyfriend graduated, too, and he has over $100,000 in student loan debt. They want to get married, so she’s looking for a job. He wants to go to graduate school, and take out more loans to remain a full-time student. The idea of even more debt hanging over their heads really bothers her. Do you have any advice?

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Dave Ramsey: Suggests the best idea is to have a debit card with rewards system
MAR 15, 2017

Dave Ramsey
 

Dear Dave,

We’re trying to get control of our finances, and my husband wants to close all our credit cards. I want to keep one and use the bill-pay option for monthly stuff like utilities, so we can keep earning rewards points. I look at my way as a method of just re-routing the money and paying it off each month. Am I wrong in looking at it like this?

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Dave Ramsey: Personal testimony on warehouse clubs like Costco and Sam's Club
MAR 6, 2017

Dave Ramsey
 

Dear Dave,

I know you’re big on bargains and saving money. How do you feel about warehouse clubs, like Costco and Sam’s Club?

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Dave Ramsey: Advises against writing own will
FEB 28, 2017

Dave Ramsey
 

Dear Dave,

When it comes to making a will, would it suffice to sit down and write it all out on a piece of paper, then have it notarized?

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Dave Ramsey: Illustrates a debt snowball
FEB 20, 2017

Dave Ramsey
 

Dear Dave,

After listening to your show, I want to try to get control of my finances, but I’m afraid to open up the bills. I make about $60,000 a year, but it’s a real struggle just to keep my head above water financially. My checking account is always overdrawn, and I don’t know where to start in catching up. Can you help?

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Dave Ramsey: Husband's business is dying
FEB 13, 2017

Dave Ramsey
 

Dear Dave,

My husband and I have four kids, and I make $50,000 a year. He runs a small business that has been floundering for a while now, so we’re basically living off my income. Part of that income is going into the business. Plus, we don’t have much in savings, and we’re behind on our house payments. Do you have any advice?

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Dave Ramsey: This is a good marketing idea
FEB 8, 2017

Dave Ramsey
 

Dear Dave,

I’m a small-business owner with a lawn care franchise. It’s common in our industry, after the season is over, to send out pre-pay letters for the upcoming season. If we send out these letters offering a five or 10 percent discount for early payment on next year’s services, is that too similar to borrowing money from our customers at five to 10 percent?

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Dave Ramsey: Forget this guy, find a good financial advisor
JAN 26, 2017

Dave Ramsey
 

Dear Dave,

My husband was recently laid off, and he has $229,000 in a 401(k). He has been told that he should roll it into a hybrid annuity. Is this a good idea?

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