How do I make a lowball offer?

by Dave Ramsey -- Dear Dave, My husband and I are looking at getting a second vehicle. We found one we like, and it's in great shape, but they're asking more than more…

Parenting by a thousand cuts

by Dave Ramsey -- Dear Dave, We're new parents, and we were wondering if you have any advice on how to teach children that Christmas is not a gift-giving free-for-all. Lauren Dear more…

Co-sign for in-laws? Puh-lease!

by Dave Ramsey -- Dear Dave, We've been getting on track financially using your plan, but now my husband's parents want us to co-sign on a new car. I think it's a more…

Success in marriage – the 4 keys

by Dave Ramsey -- Dear Dave, What are the areas do you think couples should be in agreement on before marriage? Tommy   Dear Tommy, We've worked with several marriage counselors and more…

What's The Legacy Drawer?

by Dave Ramsey -- Dear Dave, I've heard you talk about something you call The Legacy Drawer. What exactly is this, and what goes into it? Lisa   Dear Lisa, One of more…

Lay foundation before building house

by Dave Ramsey -- Dear Dave, My wife and I are both in our mid-30s, and the only debt we have is $14,000 in credit cards, student loans and a car payment. more…

Balancing ambition and contentment

by Dave Ramsey -- Dear Dave, How do you balance ambition with contentment? Fran   Dear Fran, This is a really good question! To be honest, I don't believe they require balance. more…

It's beans-and-rice time, girl

by Dave Ramsey -- Dear Dave, My husband and I are debt-free, and we've got a fully funded, six-month emergency fund in place. The problem is that he lost his job last more…

Do-it-yourself pre-paid legal

by Dave Ramsey -- Dear Dave, Do you have an opinion on whether or not pre-paid legal is a product worth purchasing? Anika   Dear Anika, I'm not mad about pre-paid legal. more…

Don't play the credit-card game!

by Dave Ramsey -- Dear Dave, Do you recommend paying off credit-card balances before or after you close the accounts? Anonymous Dear Anonymous, Either way is fine. The point is to get more…