Dear Dave, You talk a lot about budgeting, and how important it is in getting control of your money. But don’t most people already have a good idea of what they’re spending, an…
Dear Dave, My wife and I are in our late twenties, we have no debt, and our household income is about $180,000 year. We’re thinking about building a home, but we’re not sure wh…
Dear Dave, I’m 24, single, and I make $60,000 a year. I’m also debt-free and live in an apartment, plus I have about $550,000 in a brokerage account that’s made up of 75% mut…
Dear Dave, Our daughter recently moved back in with us after she lost her job and her apartment. She hasn’t been able to find full-time work yet, and she had nowhere else to go. …
Dear Dave, In your mind, what are some of the biggest mental and emotional obstacles preventing people from addressing their financial problems? Roger Dear Roger, This is a great q…
Dear Dave, My husband and I are close to having our home paid off and being completely debt-free. Can we dip into our emergency fund to pay off the house? Enid Dear Enid, I’m not…
Dear Dave, My wife and I are having a financial disagreement. I would like to go ahead and fully fund our Roth IRAs, even though we have about $10,000 in car loan debt. She, on the…
Dear Dave, I started listening to your radio show recently, and I heard you say people should have 10 to 12 times their yearly income in life insurance. I’m single, with no plans…
Dear Dave, Why do you seem to put so much emphasis on teaching young children about money? Isn’t there time for that later when they’re older? Cyndi Dear Cyndi, I firmly believ…
Dear Dave, Do you think I should get a new hybrid car to save money on gas? A lot of my friends have done this, and with the rise in gas and oil prices lately, they’re telling me…
Dear Dave, My husband started working at a new company about a year ago. As part of his sign-on, they gave him $5,000 in company stock. The stock has nearly doubled in value since …
Dear Dave, We’d like to own a home someday, but we know we’re not ready for that kind of financial commitment yet. Where does buying a house fit in your Baby Steps plan? Heathe…
