When your debit card's a 'credit' card

by Dave Ramsey -- Dear Dave, I take classes online at a public university that is several hours from my home. I tried to pay for my classes the other day, and more…

Back away from the insurance guy!

by Dave Ramsey -- Dear Dave, My husband was recently laid off, and he has $229,000 in a 401(k). He has been told that he should roll it into a hybrid annuity. more…

To be unclear is to be unkind

by Dave Ramsey -- Dear Dave, My friend and I are roommates, and we've always had an agreement that we split each of the bills 50-50. We both work and have decent more…

How to help a money-dumb dad

by Dave Ramsey -- Dear Dave, My dad has been really bad with money his entire life. Anytime he would get into trouble, my grandparents would always bail him out. This time more…

No -- credit cards are not necessary

by Dave Ramsey -- Dear Dave, I've followed your plan for three years. I'm living totally debt-free except for my home, and I pay for everything with cash. It's so freeing! I'd more…

His dying wife's final gift

by Dave Ramsey -- Dear Dave, My wife and I have been married for 12 years. Last month we found out she has terminal cancer and only six months to live. We've more…

The straight scoop on layaway plans

by Dave Ramsey -- Dear Dave, How do you feel about using layaway programs? Jay Dear Jay, I'm not a huge fan of layaway plans, because they're not really the solution to more…

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…