File bankruptcy for $14,000?

by Dave Ramsey -- Dear Dave, I'm a single parent with two children. I bring home about $3,500 a month, but I have $14,000 in credit card debt. Our rent is $750 more…

Too old to start budgeting?

by Dave Ramsey -- Dear Dave, I'm in my 60s and have lived paycheck to paycheck my entire life. After hearing you, I'm living on a budget, almost have my emergency fund more…

Use salary hike to pay off debt

by Dave Ramsey -- Dear Dave, I'll be graduating college in December with a degree in elementary education, and I have a job waiting for me. It will be the first time more…

Developer has 'first right of refusal'

by Dave Ramsey -- Dear Dave, I bought a piece of lake property not long ago, and the developer has first right of refusal if we decide to sell it. We originally more…

The scoop on multi-level companies

by Dave Ramsey -- Dear Dave, My husband and I have an opportunity to buy into a new energy company. Evidently, you can buy into these companies and can become a sales more…

Compensating sales reps

by Dave Ramsey -- Dear Dave, I'm starting a business and have a question about compensating my sales people. What type of plan do you think is best? Is a full commission more…

Save $12K – but share a kitchen?

by Dave Ramsey -- Dear Dave, Our yearly income is $45,000. We have a $75,000 mortgage with no other debt and an 8-month-old baby. We've been given a chance to move in more…

A case of investment 'scareds'

by Dave Ramsey -- Dear Dave, We have no debt other than our house, so we're doing pretty well financially. My husband's income covers all the bills, and mine is just extra more…

Creditor demands payment by phone!

by Dave Ramsey -- Dear Dave, I sent in my final two car payments totaling $400 to pay off my car. I had gotten behind, and they had been calling me about more…