dave ramsey

Dave Ramsey
October 24, 2018 - 4:31 pm
Dear Dave, Do you think I should lower the amount I’m contributing to my 401(k) so I can pay off my house and my truck? Jamie Dear Jamie, If you’re following my plan, the first thing you should do is set aside a beginner emergency fund of $1,000. That’s Baby Step 1. Next comes Baby Step 2, which...
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Dave Ramsey
October 16, 2018 - 12:17 pm
Dear Dave, I can’t decide what to do about my car. I owe $8,000 on it, and I have the cash to pay it off with plenty left over. One of my co-workers said I shouldn’t pay it off, because I have a very low interest rate on the loan. What do you think? Derricka Dear Derricka, What do I think? I think...
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Dave Ramsey
July 24, 2018 - 3:55 pm
Dear Dave, Why do you think all debt is bad? Aren’t some kinds of debt, like a mortgage or student loans, good? Nathan Dear Nathan, It sounds like you’re letting me know you think some kinds of debt are okay, instead of really asking for my opinion. When you ask a question that’s really a statement...
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Dave Ramsey
January 19, 2018 - 4:37 pm
When you’re planning to buy a home with a mortgage, it’s natural to focus on how much your monthly payment will be. After all, financial expert Dave Ramsey recommends you keep your payment at 25 percent or less of your monthly take-home pay. As you're browsing homes with your real estate pro , it’s...
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Dave Ramsey
November 28, 2017 - 1:00 pm
One of the biggest problems with Christmas is how it moves around on the schedule every year. You never know when it's going to be, when it might be coming, and then BOOM! There it is at your front door saying, "Hey, I'm Christmas. Buy stuff!" But, wait a minute … Christmas is on the same day every...
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Dave Ramsey
October 18, 2017 - 12:54 pm
We love Halloween. What other night can you dress like a hot dog and eat all your favorite childhood sweets without having someone judge you? The problem is, we may love it a little too much. According to the National Retail Federation, Americans will spend around $9.1 billion — that’s “billion”...
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Dave Ramsey
October 16, 2017 - 3:46 pm
Dear Dave, What’s the difference between a credit union and a bank? Jake Dear Jake, A bank is owned by stockholders. When the bank makes a profit – and they should make a profit – the stockholders, who are owners of the company, get that profit. It can be dispersed in the form of dividends, or the...
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