'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…

Doing a good thing a dumb way

by Dave Ramsey -- Dear Dave, My wife and I have $72,000 in debt from student loans and a car loan. We're trying to pay off our debt using the debt snowball more…

Beware of those 'rent-to-own' purchases

by Dave Ramsey -- Dear Dave, Is it OK to buy something using a rent-to-own plan? Josh Dear Josh, I advise against rent-to-own deals. Rent-to-own places get people in the door with more…

Boss requires a credit card?

by Dave Ramsey -- Dear Dave, I recently got a new job that requires monthly expenses of almost $5,000 that are reimbursed. I can't swing that kind of money right now, and more…

What about cashless retailers?

by Dave Ramsey -- Dear Dave, What is your opinion of businesses that no longer accept cash? Heath Dear Heath, Honestly, I think the whole scenario is kind of silly. Businesses that more…

Renting to family a good idea?

by Dave Ramsey -- Dear Dave, I have cousins who are thinking about moving back to Connecticut from Virginia. They'll be renting for a while, and I have an unoccupied rental house. more…

An 8-year mortgage? Really?

by Dave Ramsey -- Dear Dave, Do you have a guideline ratio for mortgage debt to income? Levon Dear Levon, When it comes to buying a home, I always tell people to more…