Buying gold: The dumbest thing you can do

by Dave Ramsey -- Dear Dave, What are your thoughts on transferring an IRA over to gold? Sandy Dear Sandy, Honestly, I think that's about the dumbest thing a person could do. more…

Kill the car or the student loan?

by Dave Ramsey -- Dear Dave, I'm 38 years old, and I've got $12,000 in student loans still hanging over my head. It's the only debt I have. I make $30,000 a more…

The grandkid Christmas gift dilemma

by Dave Ramsey -- Dear Dave, We have three preschool grandchildren, and they get tons of stuff for Christmas every year. We're in really good shape financially and would like to do more…

Borrow money on a chicken farm?

by Dave Ramsey -- Dear Dave, We're completely debt-free with a fully funded emergency fund, and we have $350,000 sitting in the bank from a land sale a couple of months ago. more…

When debt reduction is too intense

by Dave Ramsey -- Dear Dave, My wife and I make a little over $50,000 a year combined, and we're almost debt-free. Right now, we have $50,000 left on our mortgage and more…

Interest-only triplex trouble?

by Dave Ramsey -- Dear Dave, I've been out of college for a few years, and I have no debt. I'd like to start investing, so I'm thinking about buying a triplex, more…

The 'free cruise' temptation

by Dave Ramsey -- Dear Dave, I work for a small company that just won a cruise trip for all the employees. The prize covers just the cruise tickets, and we have more…

How to give your 2-weeks' notice

by Dave Ramsey -- Dear Dave, I'm about to turn in my two-week notice after 17 years with my company. It's a small business, and everyone is like family, but the last more…

Young, jobless and treading water

by Dave Ramsey -- Dear Dave, I'm 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our 10-month-old daughter, more…

Investing for a 95-year-old

by Dave Ramsey -- Dear Dave, My mom is 95 years old, and she's in amazing health. Financially speaking, she has about $150,000 in Certificates of Deposit, money market accounts and savings more…