Are leaders born, or made?

by Dave Ramsey -- Dear Dave, Do you feel that some people are born leaders, or do you have to read and study to become one? Michael Dear Michael, I don't believe more…

Real-estate agent vs. for sale by owner

by Dave Ramsey -- Dear Dave, What are the advantages of using a real-estate agent versus going the for-sale-by-owner route when it comes to selling a home? Seth Dear Seth, I've had more…

Combine college with debt reduction

by Dave Ramsey -- Dear Dave, My wife wants to go back to school to complete her degree. Right now, we're on Baby Step 2 of your plan, and we're about 12 more…

The skinny on mortgage-accelerator plans

by Dave Ramsey -- Dear Dave, How do you feel about mortgage-accelerator plans? Can you please explain them? Doug Dear Doug, Basically, there are two types of mortgage-accelerator plans floating around out more…

Help for a courageous wife

by Dave Ramsey -- Dear Dave, My husband is in the middle of serving a five-year prison sentence. We have a 9-year-old son, and we've sold our home and everything else of more…

What about timeshare 'freebies'?

by Dave Ramsey -- Dear Dave, How do you feel about the free trips and dinners timeshare communities offer as part of their sales pitches? Isn't it a little like playing with more…

Putting the fight back into laid-off men

by Dave Ramsey -- Dear Dave, My husband was laid off three months ago, and I'm afraid we're about to lose our home. I've been working three part-time jobs to help keep more…

Reduce tithe to get out of debt?

by Dave Ramsey -- Dear Dave, My husband and I are on Baby Step 2 of your plan, and we're working hard to pay off all of our debt. We're Christians, but more…

Say it isn't so, mama!

by Dave Ramsey -- Dear Dave, My mom filed bankruptcy about five years ago, and I thought that taught her a lesson. She's on disability now and makes only $600 a month. more…

Say 'no' to credit-counseling services!

by Dave Ramsey -- Dear Dave, I have a friend with $30,000 in credit-card debt, an $80,000 second mortgage, and a car loan. She makes about $70,000 a year, and is considering more…