Dave Says

Dave Ramsey
December 04, 2018 - 12:31 pm
Dear Dave, My husband and I are completely debt-free, and we’re saving up for our first house. We currently have about $90,000 in savings, and we’d like to buy a home with cash in the next few years. Where should we put our money, so it will work for us while we save more? Aimee Dear Aimee, It’s a...
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Dave Ramsey
November 27, 2018 - 3:15 pm
Dear Dave, I’ll be graduating from college with no debt in a couple of weeks, and I have a good job waiting for me in January. During the last few years, I’ve managed to save almost $25,000 from my part-time jobs while in school. My car is pretty beaten up and old, so I’ve been shopping at a couple...
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Dave Ramsey
November 20, 2018 - 10:56 am
Dear Dave, I like your plan, and I’m ready to get control of my finances. Should I catch up on past due bills before saving $1,000 for the beginner emergency fund you recommend in Baby Step 1? Samantha Dear Samantha, This is a great question, because it gives me a chance to walk you all the way...
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Dave Ramsey
November 14, 2018 - 12:47 pm
Dear Dave, Are home warranties a waste of money if someone has been following your plan and already has six months of expenses set aside in an emergency fund, plus home insurance? Andrea Dear Andrea, Home warranties are a waste of money even if you don’t have quite that much set aside in an...
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Dave Ramsey
November 06, 2018 - 10:54 am
Dear Dave, My fiancé and I are getting married in three weeks, but he lost his job as an experienced HVAC technician at a hospital a few days ago. Do you think we should still go on a honeymoon, or wait until things are more stable? I’m on Baby Step 3 of your plan, and I make $56,000 a year. I also...
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Dave Ramsey
October 30, 2018 - 3:35 pm
Dear Dave, I borrowed some money from my parents in January, and it took a few months longer to pay them back than originally planned. Since then, I’ve noticed our relationship seems to be strained. They will sometimes make remarks about money when I’m around, and it’s obvious the things they say...
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Dave Ramsey
October 01, 2018 - 12:56 pm
Dear Dave, If someone is following your plan, is it a good idea to get mortgage disability insurance during Baby Step 2? Craig Dear Craig, No, it is not. Mortgage disability insurance is a gimmick, and I would never recommend it to anyone. I think I know where you’re going with this. During Baby...
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Dave Ramsey
September 25, 2018 - 2:55 pm
Dear Dave, I follow your advice and live on a budget, but it’s really hard to save up for a down payment on a house because property is so expensive here in New York. My family in Indiana says I should buy a cheap property there, then fix it up and sell it to get the money I need. I’m not sure how...
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Dave Ramsey
September 18, 2018 - 12:07 pm
Dear Dave, My husband started his own one-man, small business as a handyman a little less than a year ago. He has netted $17,000 in that time, but the business has about $13,000 worth of debt. We’ve always kept personal finances and business separate, but what would you think about us selling one...
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Dave Ramsey
September 13, 2018 - 4:33 pm
Summer is coming to an end, which means we are more than halfway through the year. What about those resolutions you made for 2018? If you’re like most people, they probably went out the window during summer vacations. We’ve all been there! With the holidays right around the corner, now is the...
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