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Dave Says: Investing or student loan debt?
Dear Dave, Our daughter is a student, and she has $10,000 in student loan debt. She works part-time and has a couple of scholarships, but...

Dave Ramsey
2 min read


Dave Says: Make your case, and don’t worry about the other guy
All things considered, at this point I feel I have the right to complain about the situation, because I think I should be making more money than he does.

Dave Ramsey
2 min read


Dave Says: It takes courage to cry
Dear Dave, My wife and I are on Baby Step 7, and we have a household income of $127,000 a year. We have an older dog who has had some...

Dave Ramsey
3 min read


Dave Says: Love your enthusiasm, but that’s not an emergency
Dear Dave, What do you think about the idea of taking money out of your emergency fund in order to pay off your home early? Evans Dear...

Dave Ramsey
2 min read


Dave Says: The face in the mirror
Dear Dave, How do you feel about moving credit card balances to other companies to get lower rates when you’re trying to get out of...

Dave Ramsey
2 min read


Dave Says: All of your brain means both of you
I learned a long time ago that when you’re married and it comes to making decisions, you should use all of your brain. That means both of you. Two heads are better than one, right?

Dave Ramsey
2 min read


Dave Says: Medical emergencies come first
Things like this can be expensive, but they’re part of life. At the same time, taking care of these kinds of issues doesn’t have to mean giving up on gaining control of your finances.

Dave Ramsey
2 min read


Dave Says…You’ve got to get on the same page
Here’s the thing. If you’re putting other money into a business account, that’s a decent sign you’re not making money in the business.

Dave Ramsey
2 min read


Dave Says…Now’s the time to invest in you
If I were in your shoes, I’d park the proceeds from your cattle sale in a high-yield savings account.

Dave Ramsey
2 min read


Dave Says: Think with your head (and a calculator), not your heart
A few of them offer the use of a newer, high-quality car for very little money per month, with no hidden catches.

Dave Ramsey
2 min read


Dave Says…You still need a will
All this stuff’s a real wake-up call, right? I know these kinds of things aren’t fun to think about—especially at your age. But thinking...

Dave Ramsey
2 min read


Dave Says: It’s not about greed, it’s about doing good
If you look back through scripture, you’ll find many of the Bible’s major characters were wealthy people, who understood they were not...

Dave Ramsey
2 min read


Dave Says: Wealth magnifies what’s already there
One of the first things we taught our kids about, aside from God, was how they were not entitled to anything just because they hit...

Dave Ramsey
3 min read


Dave Says: Determination and hard work
Truth be told, the vast majority of things you see online and in late-night infomercial presentations are scams.

Dave Ramsey
2 min read


Dave Says: Preparing for the future
Dear Dave, I’ve been listening to your show, and following the Baby Steps, for about a year. But I received some news from a family...

Dave Ramsey
2 min read


Dave Says: A high-risk proposition
Now, I don’t know the exact course you’re talking about, but I do know quite a bit about the concept of buying and selling stocks...

Dave Ramsey
2 min read


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
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