In medical residency … and in debt

by Dave Ramsey -- Dear Dave, I went to medical school, and now I have $70,000 in debt. I just started a three-year residency making about $50,000 a year, while my wife more…

When your wife's a spoiled brat

by Dave Ramsey -- Dear Dave, How can I get credit card companies to stop sending us pre-approved offers? My wife continues to sign up for these, and now we have $40,000 more…

What's so special about $1 million?

by Dave Ramsey -- Dear Dave, I've heard you say many times you shouldn't buy a brand-new car unless you have a net worth of $1 million. What's so special about a more…

Pay creditors with debit card?

by Dave Ramsey -- Dear Dave, I've heard you say to never give collectors access to your checking account. Does that include payments with a debit card, too? Susan Dear Susan, Absolutely! more…

Pay the IRS first!

by Dave Ramsey -- Dear Dave, My husband has his own business installing windows. As a result, we now have IRS and state tax debt. We're managing the payments, but where should more…

Build your squirrel fund

by Dave Ramsey -- Dear Dave, My husband works construction, so we barely scrape by during the winter months. Should we build an emergency fund for the slow times? Cathy Dear Cathy, more…

Is that expense really an 'emergency'?

by Dave Ramsey -- Dear Dave, My wife and I are working the Baby Steps, and we have our budget in place. Sometimes the budget gets busted because of home improvements and more…

My daughter the teenage model

by Dave Ramsey -- Dear Dave, I live in Los Angeles, and my daughter makes $3,000 to $5,000 a month modeling. I don't want her to become spoiled by this job and more…

Budgeting for Christmas

by Dave Ramsey -- Dear Dave, My wife and I have $15,000 in debt left to pay off. We bring home around $32,000 a year, and we usually spend $250 to $300 more…

Laser-beam debt killing

by Dave Ramsey -- Dear Dave, What would you recommend for 401(k) contributions while getting out of debt? Chaz Dear Chaz, I recommend putting a temporary stop to investing while you're getting more…