Which to choose: Bank or credit union?

by Dave Ramsey -- Dear Dave, We're completely debt-free, and my husband and I have been very conservative with our investments our entire lives. Considering the current state of the economy, we more…

Should your 19-year-old pay rent?

by Dave Ramsey -- Dear Dave, I'm 19 years old and living at home while I go to school and work part-time. I make about $400 a month. My parents have started more…

Planning too far ahead

by Dave Ramsey -- Dear Dave, The company where my husband works recently told everyone that massive layoffs are coming, and they should start looking for other jobs. Right now all of more…

How to help the in-laws with finances

by Dave Ramsey -- Dear Dave, We've been following your plan, and it's been a real blessing to us. Last week, my mother-in-law told my husband that they haven't paid their property more…

Laid-off to-do list

by Dave Ramsey -- Dear Dave, Could you please give us a list of the things people need to think about and deal with if they've been laid off? Anonymous Dear Anonymous, more…

Emergency ahead!

by Dave Ramsey -- Dear Dave, My husband has Hepatitis C, and at this point his only option is a liver transplant within the next two years. We make about $70,000 a more…

When is life insurance unnecessary?

by Dave Ramsey -- Dear Dave, I'm 63 years old and work part-time. My wife, at 59, works full-time, and earns $140,000 a year. We're both self-employed. At what point do we more…

Negotiating away credit-card debt

by Dave Ramsey -- Dear Dave, I have old credit card debt that goes back a few years. The account has been sold and resold to several collection companies. The limit was more…

The house will take you

by Dave Ramsey -- Dear Dave, My brother is 30 years old, and he just lost his job. He doesn't have any debt, but he's started gambling to make money. He's won more…

Beware the insurance adjuster

by Dave Ramsey -- Dear Dave, A tree fell on our house yesterday and did quite a bit of damage. We're talking with the insurance company now. Is there anything we should more…