Dear Dave, What would be your advice for someone who is renting an apartment but has never rented before? I’m 16, and I’m trying to create a plan for when I get out on my own i…
Dear Dave, Last year I got a divorce. I’m 32, a teacher and a single mom. I’m on Baby Step 2 right now, and I was wondering about life insurance. My son is only two, and if som…
Dear Dave, Some friends recently introduced me to your ideas for handling money. I’ve got to admit a lot of it makes sense, but I’m not sure why you’re so adamant about budge…
Dear Dave, My wife and I are trying very hard to save money and pay off debt, but we’re not making progress as quickly as I had hoped. What do you think of the idea of putting a …
Dear Dave, What percentage of our income should we save for our kids’ education? We know you recommend setting aside 15 percent for retirement, but do you have a similar rule tha…
Dear Dave, Is it okay to combine finances with someone and start working on a budget before you marry them? I just got engaged, and we’ve been talking about the idea of getting a…
Dear Dave, A good friend of mine passed away recently. In his will, he left me a couple of items and some money, and I’d like to share the money with my son. He is 25, and a good…
Dear Dave, I’m trying very hard to get out of debt. I have my beginner emergency fund in place, and I’m living on a monthly budget. Is it okay to include a little wallet cash i…
Dear Dave, I feel truly blessed. Even with everything that is going on these days, I still have a steady job and a good income. I’m thinking about taking some money out of my sav…
Dear Dave, Should my wife and I tithe on our stimulus checks? She thinks we should, but I’m not sure. In my mind, we already gave our money to Caesar—so to speak—and now he 
Dear Dave, I’ve always made good money at my job, but recently I was offered a promotion to a salaried manager’s position. The hours and pay would be much better, and I already…
Dear Dave, My husband and I had our first child in December. We bought a house not long before the baby was born, and since then we’ve been getting mail and phone calls about buy…
