Wednesday, 03 December 2014 12:09

College and Cars

Q. My daughter is a freshman in college, but I didn’t save for her education. My parents said it was my job to pay for my college, and that’s what I’ve told her. She’s going to have about $12,000 in student loan debt after her first year, but how do I talk to her about not ending up with $50,000 in debt when she’s through?

Published in Dave Ramsey Says
Monday, 03 November 2014 17:47

Asset Allocation and Education

Q. Can you explain the “asset allocation” theory when it comes to investing?

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Wednesday, 01 October 2014 15:51

Budgets, Student loans, and 529s

 

Q. My husband and I have been living on a budget for a few months, and for some reason there seems to be leaks in our budget. It’s just a few dollars here and there, but added together it makes a huge dent. Can you give us some advice?

 

Published in Dave Ramsey Says
Tuesday, 02 September 2014 18:50

Debt and Identity Theft

Q. My wife and I have $25,000 in credit card debt, $2,500 in medical bills and $89,000 each in student loan debt from when we each got our masters’ degrees. We make about $100,000 combined. Our son is 6 years old, and we have $18,000 in a 529 plan for him. Should we use that money to pay off debt instead?

 

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Q. My wife and I just became debt-free, and we’re saving for our first house. We have about $75,000 in savings, and we’d like to buy a home with cash in the next few years. Where do you think we should place our money so it’s working for us while we save?

 

Published in Dave Ramsey Says
Tuesday, 01 July 2014 12:19

401(k)s and Timeshares

 

Q. My current employer offers a regular 401(k) and a Roth 401(k). I’ve got several years before I retire, so which one should I choose?

 

Published in Dave Ramsey Says
Monday, 02 June 2014 17:06

Giving Money and Mortgage Payments

 

Q. My wife and I have a friend we met through the Big Brothers Big Sisters program. She has a 1-year-old child, and she recently asked us for some money. We don’t really approve of how she’s choosing to spend her money—she’s spending a lot of it on alcohol and cigarettes—but she does need financial help. What should we do?

 

Published in Dave Ramsey Says
Thursday, 01 May 2014 16:51

Fixed Annuities and Debt Consolidation

 

Q. I want to roll over a 401(k), and my bank is encouraging me to roll it over to fixed annuities. Is this a good investment?

 

Published in Dave Ramsey Says
Thursday, 03 April 2014 15:06

Inheriting Debt, Budgets, and ESAs

 

Q. My in-laws have lots of debt. In fact, they’re always joking that the debt they’ll leave us is more than the inheritance. How will this affect my wife and family if they die with all their debt still in place?

 

Published in Dave Ramsey Says
Friday, 21 February 2014 18:13

Investing and Loans

 

Q. I’m a little worried about investing in the market due to volatility. Are there safer investments?

 

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