I remember as I was growing up, I always thought school was free. I mean, I understood that private school costs money, but I went to public school, and I didn’t think a whole lo…
Dear Dave, We’ve followed your advice and put our kids on commissions instead of allowances. The problem is our 8-year-old. He never buys anything, and he seems to be very frugal…
Dear Dave, I’ve had enough of living paycheck-to-paycheck. I’m going to start following your plan, but I have a question. Should I catch up on my past due bills before beginnin…
Dear Dave, Should my husband and I combine our finances? Jenny Dear Jenny, If you want a quality marriage, the answer is yes. If you want a high probability of building wealth, the…
Dear Dave, I’ve never hidden debt from my husband, but I do hide money from him on occasion. I don’t hide it for my personal use, but I have been setting money aside for emerge…
Dear Dave, I’m on Baby Step 2 of your plan, and I’ll be debt-free except for my home by the end of the year. I have a friend who is very irresponsible with his money, and he of…
Dear Dave, Should I still contribute up to the match to my 401(k) at work, like you recommend, if I’m in the process of trying to get out of debt? Russ Dear Russ, Some people dis…
Dear Dave, My husband and I met a young woman through an outreach program at church. She is a single mother with a small child, and recently she asked us for money, so she could bu…
Dear Dave, My fiancé and I just started your class, but we’re having trouble getting our beginner emergency fund together. We both work full-time, and I make $59,000 a year whil…
Dear Dave, Is there ever a time when a 30-year mortgage is better than a 15-year mortgage? Julie Dear Julie, Let’s see, how should I put this? No! If you can’t afford a home on…
Dear Dave, I’m just starting my debt-free journey and trying to lay out a budget. What are your thoughts on budget billing for utilities? Ryan Dear Ryan, I think it’s wonderful…
Dear Dave, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recomm…
