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…
Dear Dave, Life insurance is one of those things I always said I would get around to buying someday, but for various reasons, I just haven’t done it yet. Is there ever a time whe…
Dear Dave, I own a small business, and recently a relative asked for a job with the company. I hate to say this, but I’ve got reservations about hiring her. She’s basically a g…
Dear Dave, My husband and I just completed Baby Step 3, and we have six months of expenses saved for an emergency fund. How should we determine when something is actually an emerge…
Dear Dave, In light of recent events in our country, do you have suggestions for things people should think about and plan for if they get laid off from their jobs? Sam Dear Sam, I…
Dear Dave, I went through a divorce a couple of months ago, and I’m not sure what to do next. I received custody of our kids, ages 13 and 15, plus I have a good job and I got the…
Dear Dave, Should you still pay debts that are in collections, even if they have been dropped from your credit report? The one in question is from 2011, and I assume it isn’t sho…
Dear Dave, My husband passed away last year at just 45 years old. We always tried to be careful with our money, and we were in good enough shape financially that I paid for his fun…
