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…

When your neighbors owe you money

by Dave Ramsey -- Dear Dave, My dad died earlier this year, and as a result my mom and I inherited his auto-parts business. He had a lot of accounts receivable piled more…

Emergency fund in stocks?

by Dave Ramsey -- Dear Dave, I like your idea of having an emergency fund. Currently, I have $17,000 in General Mills stock. Can I use this as my emergency fund? Anonymous more…

Teacher's pension: Don't bank on it

by Dave Ramsey -- Dear Dave, I'm a teacher, and the school system I work for puts 13.5 percent of my pay into a public teacher retirement fund. They also match this more…

Recover first, plan later

by Dave Ramsey -- Dear Dave, My husband died four weeks ago. He was 52 years old and had a heart attack. We always lived on a budget and were careful with more…

How much mercy for unemployed tenant?

by Dave Ramsey -- Dear Dave, I have tenants who have been perfect in paying rent on time for almost a year. Last month, the woman lost her job, and when I more…

How much paycheck toward mortgage?

by Dave Ramsey -- Dear Dave, I've heard you say that your mortgage payment shouldn't be more than 25 percent of your take-home pay. Does this figure include taxes and insurance, or more…