Send this 5-year-old to Washington!

by Dave Ramsey -- Dear Dave, Several months ago, my 5-year-old son told me he wanted a Nintendo DS. He does little things around the house for me and at his grandparents' more…

Prepping for rough times

by Dave Ramsey -- Dear Dave, My husband needs a liver transplant within the next two years because he has Hepatitis C. We make about $70,000 a year, but we have $25,000 more…

A parent's last days

by Dave Ramsey -- Dear Dave, I need advice on how to handle things where my mom is concerned. She was diagnosed with ALS (Lou Gehrig's disease) a year ago, and now more…

How much is enough for retirement?

by Dave Ramsey -- Dear Dave, I've heard you tell people that having $90,000 to $100,000 saved up for retirement isn't enough. That's what I've got set aside right now, and I'm more…

Bargain master!

by Dave Ramsey -- Dear Dave, Can you share some tips on bargaining, whether for a used car or even a washer and dryer in the classifieds? Ray Dear Ray, This is more…

The 2 kinds of debt

by Dave Ramsey -- Dear Dave, What is unsecured debt? Anonymous Dear Anonymous, This is a great question! You'd be surprised how many people don't know the difference between "secured" debt and more…

Is downsizing the answer?

by Dave Ramsey -- Dear Dave, My wife and I are about to have our first child. She'd like to stay home with the baby after it's born, so we'll be losing more…

Hugs are free

by Dave Ramsey -- Dear Dave, My husband and I are adopting my nephew. His mom is involved with drugs and alcohol, and his father isn't in the picture. We've got $1,000 more…

Mom's college-loan guilt trip

by Dave Ramsey -- Dear Dave, My mom makes $20,000 a year, and without telling me she took out a Parent PLUS Loan for $16,000 to help me with college. She's saying more…

Debt snowball vs. mortgage principal

by Dave Ramsey -- Dear Dave, I just refinanced my home from a 30-year fixed rate to a 15-year fixed rate mortgage. The first payment won't be due until July, but should more…