Dear Dave, My husband and I are retired. I receive a small pension, and we are both on Medicare and Social Security. We have about $25,000 left to pay on our mortgage, along with a…
Dear Dave, My wife and I have plans to enter the mission field as soon as we have paid off our debt and get a full emergency fund in place. We only have about $12,000 in credit car…
Dear Dave, I finished college a couple of years ago, and I have a good job making $65,000 a year. The only debt I have is about $5,000 remaining on a car loan, and I am paying that…
Dear Dave, Is debt consolidation a good way to get out of debt? Erikah Dear Erikah, No, it’s not. Debt consolidation companies try to position themselves that way, but they don 
Dear Dave, My husband and I have a beginner emergency fund set aside, and we’re working on paying off $30,000 in credit card debt and two cars in Baby Step 2. He would also like …
Dear Dave, My father-in-law passed away earlier this year. Since then, my wife and I have faced a dilemma because of the inheritance. Her dad had several life insurance policies, a…
Dear Dave, We have a 2008 Honda Accord that needs a new timing chain. Our mechanic says the repair will cost about $2,200. The car is worth about $4,500. Is it time to get another …
Dear Dave, Sometimes on vacation trips, I like to check out casinos. I always account for the money I wager in my budget, and I never spend more than I’ve allotted. How do you fe…
Dear Dave, I live with my boyfriend, and we have a baby together. I brought debt into the relationship, and I’m using your debt snowball method to pay it off, but he is debt-free…
Dear Dave, My husband and I are in our mid-twenties, and we are expecting our first baby this year. We are also debt-free, except for our mortgage, and we expect to have it paid of…
Dear Dave, My wife and I are empty nesters, and our house is too big for just the two of us now. We talked about selling the house and moving into an apartment in a multi-use devel…
Dear Dave, My wife and I are in our late twenties, and we have two kids. Our combined income is about $110,000 a year, but we have $70,000 in loans on two cars, plus about $15,000 …
