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Dave Says: It’s not the answer
Now, sometimes there might be cases when certain popular items are on sale, and you can set them aside through layaway if you don’t have...

Dave Ramsey
2 min read


Dave Says: She’ll be just fine
Dear Dave, My mom is 76, and the only debt she has is about $60,000 left on her mortgage. She has $600,000 in retirement accounts, plus...

Dave Ramsey
2 min read


Dave Says: Emergency fund for teens?
I always recommend an emergency fund of three to six months of expenses for adults, and I think that’s a fair expectation for teens, as well

Dave Ramsey
2 min read


Dave Says: Approach it like a sales call
I’m talking about using your experience and the idea that you’re a great sales person, who has transformed herself into a great sales...

Dave Ramsey
2 min read


Dave Says: Honor your obligations
You know, lots of times when people say they can’t afford something, what they’re really saying is they don’t want to give up fun stuff...

Dave Ramsey
2 min read


Dave Ramsey's EntreLeadership: So you want to buy a business...
Imagine waking up on a Monday morning one year from now. Are you still enthusiastic about this line of work? Your vocation needs to be...

Dave Ramsey
4 min read


Dave Says: Hitting your goals means planning your goals
The first guideline is to be specific. What do you want to achieve? And be super specific when you answer that question.

Dave Ramsey
2 min read


Dave Says: Compromises are part of marriage
There might be something in your past that bothers her, or something she doesn’t want you to revisit. There may even be feelings of...

Dave Ramsey
2 min read


Dave Says: A roadmap to financial peace
You’ve already mentioned getting $1,000 in the bank for a starter emergency fund. That’s Baby Step 1. After that comes your debt snowball...

Dave Ramsey
2 min read


Dave Says: Your income is the key
The fact that it’s a large amount of student loan debt doesn’t change anything. Baby Step 2 is where you pay off all debt except for your...

Dave Ramsey
2 min read


Dave Says: My best piece of advice?
Here’s the deal. You’ve already got a mark against you on your credit report for the bill being turned over to collections.

Dave Ramsey
2 min read


The generosity effect
Ted Horn was the owner of the Dixie Diner and a man with a big smile and an even bigger heart. It is said that the eyes are the window...

Dave Ramsey
3 min read


Dave Says: Keep a boundary in place
There’s nothing inherently wrong with getting a better interest rate, but when everything is all lumped together it can become easy...

Dave Ramsey
2 min read


Dave Says: When you hit rock bottom
Still, when you do stupid things, you’ve got to pay what I call “stupid tax.” I’m talking about the consequences of your actions.

Dave Ramsey
2 min read


Dave Says: Imitate successful behavior
Don’t get all down after hearing this. I’m not saying you should drive a junker until you pay off your house. I recommend that people drive

Dave Ramsey
3 min read


Dave Says...
As long as Mom and Dad are having a discussion and making decisions—not fighting—it’s good for kids to hear the give and take...

Dave Ramsey
3 min read


Dave Says: Spend, save and give
I recommend completing the first three Baby Steps before you start thinking about spending money on fun stuff. In my mind, that positions...

Dave Ramsey
2 min read


Dave Says: A different situation than most
First off, you’re both serious about dumping debt and getting control of your finances. That’s the big thing. Plus, you make good money...

Dave Ramsey
2 min read


Dave Says: Be gentle, but don't fund financial irresponsibility
You and your wife need to be completely on the same page about this situation, but she’s the one who needs to approach Mom and talk things..

Dave Ramsey
2 min read


Dave Says...
It’s not unusual for pros who flip houses to look at 100 or more properties to buy just one. It’s not an easy way to make money...

Dave Ramsey
3 min read
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