Dear Dave, My parents are getting up there in years, and they aren’t really prepared for when they pass away. They can’t afford life insurance at this point, and they also have…
Dear Dave, My wife and I will both turn 30 next month. We have two young children, and we make a little over $85,000 combined. The problem is we have about $70,000 in debt. Some of…
Dear Dave, I’m getting married next summer. My fiancé and I are in agreement about how to handle money, and we both follow your plan. Do you recommend pre-marital counseling? If…
Dear Dave, We have two preschool kids, and I’m a stay-at-home mom. My husband brings home about $2,500 a month, and our mortgage payment is $1,000 a month. Recently, we’ve had …
Dear Dave, My husband and I are in our thirties. We have $15,000 in debt spread across student loans, credit cards, and a car payment. We make decent money, and we’ve each got ar…
Dear Dave, I’ve never heard you talk about store layaway programs. With Christmas coming, I wanted to ask your opinion of using layaway for buying gifts. Meg Dear Meg, If you kno…
Dear Dave, I’m 23, debt-free, and I’ve almost got my fully-funded emergency fund in place. I was curious about your thoughts on saving up money to buy a duplex, living on one s…
Dear Dave, My husband will be finishing physician assistant school in December, just a few days before our first baby is due. We’ve got about $70,000 in student loan debt, and we…
Dear Dave, I’ve gotten out of debt before following your plan, but I always seem to fall right back in. I find myself spending more than I mean to whenever I go out shopping or r…
Dear Dave, What’s the best way to talk to a parent, and tell them their career or financial choices aren’t working out? My mom and dad divorced a few years ago, and now my mom …
Dear Dave, Is it okay to give very young children an allowance? Christie Dear Christie, Teaching kids there’s an emotional connection between work and money is one of the best th…
Dear Dave, My husband lost his job last week. The good news is we’re completely debt-free, and we have a six-month emergency fund saved up. I work part-time, since we have young …
