A laptop dilemma

by Dave Ramsey -- Dear Dave, My husband and I are just starting Baby Step 1 of your plan. Prior to this, we told my two nephews we would buy them laptop more…

Emergency fund: Based on expenses or income?

by Dave Ramsey -- Dear Dave, I bring home $4,100 a month in military disability pay and Social Security combined. My wife brings home an additional $2,000 each month. Should we base more…

Upside-down with the car

by Dave Ramsey -- Dear Dave, How do you sell a vehicle with a lien amount that's higher than the actual value of the car? Michael Dear Michael, First, you need to more…

Am I giving IRS access to my checking account?

by Dave Ramsey -- Dear Dave, Will paying my taxes online give the government electronic access to my checking account? Ashley Dear Ashley, If you use your checking account, of course they more…

Whoa! Mom steals son's student-loan money

by Dave Ramsey -- Dear Dave, I'm about to graduate from college, and while I've been in school my mom has been handling most of my finances. Recently, I discovered she's been more…

A millennial on the right financial road

by Dave Ramsey -- Dear Dave, I'm 27 years old, and I have no debt. In addition, I have a five-month emergency fund of $14,000. Recently, I started a new job making more…

'Layoff insurance' a good bet?

by Dave Ramsey -- Dear Dave, Some of the people I work with have been buying into a new kind of supplemental insurance that protects against layoffs. It costs about $30 a more…

$100K student-loan debt strategy

by Dave Ramsey -- Dear Dave, I have $100,000 in student loan debt. Since the amount is so large, is there a special place in your Baby Steps plan for it? Julie more…

Could this lower my credit card debt?

by Dave Ramsey -- Dear Dave, I received a call the other day from a company saying it could negotiate the balance on my credit cards to a lesser amount. The caller more…

What percentage to put into retirement?

by Dave Ramsey -- Dear Dave, I've been following your plan, and I'm ready to start investing. Do employer contributions count toward the 15 percent you recommend putting into retirement? Brenda Dear more…