- An Emergency Fund Isn’t About Instant Gratification (04/22/2024)
When tapping into your emergency fund, ask: Is it unexpected, necessary, urgent? Be patient, avoid impulse buys, prioritize true emergencies.... more
- Guide Them, but Let Them Learn from Their Mistakes (04/15/2024)
Teach kids financial responsibility by letting them experience consequences, guiding them through mistakes, and fostering independence.... more
- But Will He Listen? (04/08/2024)
Guide friend gently to realistic goals. Encourage budgeting, job stability. Support with care and honesty.... more
- Celebrate and Give With a Plan in Place (04/01/2024)
Budget monthly for holidays. Give thoughtfully, avoid debt. Stick to plan. You’ve got this!... more
- For Starters, Have A Plan (03/22/2024)
Embrace fear, disgust, contentment. Craft strict budget. Avoid temptation. You’re capable. Stay determined.... more
- It’s a Credit Card Addiction (03/15/2024)
Address credit card addiction with love and honesty. It’s tough, but essential for her well-being.... more
- Be Gentle, He’s Moving in the Right Direction (03/08/2024)
Collaborate with your husband. Acknowledge his concerns, set a reasonable emergency fund goal, then cut up cards and close accounts for financial security.... more
- Don’t Buy a House Together Before You’re Married (02/23/2024)
Delay home purchase until after marriage. Prioritize communication and avoid potential risks. It’s a significant decision; take your time.... more
- Go into Debt for a Wedding? Nope! (02/15/2024)
Dave Ramsey approves saving for a wedding during Baby Step 5 if financially feasible. Emphasizes paying cash to avoid unnecessary debt in celebrations.... more
- Risk is Real (01/22/2024)
Dave cautions against live-in flip real estate due to risks. Advocates careful planning and preparing for worst-case scenarios.... more
- You Need a Better Plan (01/01/2024)
Seasonal predictable downturns in your business should not be considered an emergency. Based on your skill set, plan on those times that will allow you to keep earning money!... more
- Having a Great Christmas on a Tight Budget (12/19/2023)
We hope you enjoy receiving these helpful financial, career, lifestyle, and business articles from Ramsey Solutions Syndicated Content. Additional author images are available upon request.... more
- Love Them Enough to Teach Them Well (12/15/2023)
Dave talks with a woman who believes her teenage children should work and learn how to handle money – even if their father disagrees.... more
- Let’s Shift the Focus (12/01/2023)
If you are stuck with a big student loan debt, Dave recommends putting large chunks of money on the principle of the loan to work it down. That might require you to have more than one job.... more
- Practicing Contentment This Holiday Season (11/19/2023)
Stay stress-free during the holidays with these tips: set healthy boundaries, stick to a budget, prioritize generosity, keep a gratitude journal, and talk about contentment with family. Enjoy the magic without the pressure and overspending.... more
- It’s Not a Joint Venture, It’s A Marriage (10/15/2023)
Dave says to work together to eliminate your debt and build upon your savings!... more
- Is the Threat of De-Dollarization Real? (10/01/2023)
Several countries are attempting to move away from the U.S. dollars as their basis of international trade. Dave advises a on the facts and how the U.S. dollar de-dollarization.... more
- Control the Controllables (09/15/2023)
Dave talks to a high school student about the nation’s debt. Dave’s advice is on what the student and the nation can do regarding our national debt.... more
- Just Pile Up Money, and Go Do It (09/01/2023)
Dave advises a young man on the smartest way to save money to buy investment properties in the future.... more
- $15,000 Buys a Nice Used Car! (08/15/2023)
Vehicle totaled inan accident? Not sure how to use the insurance proceeds? A comparable used vehicle is a better choice than creating debt for a new one.... more
- Pay Off My Home or Buy a Rental? (08/01/2023)
There is nothing wrong with buying and owning rental properties. Make sure you buy them with cash and not take out a mortgage on your home to do it.... more
- Tips for a First-Time Home Buyer (07/15/2023)
Planning on buying your first home? Here are some tips from Dave Ramsey on what you need to know.... more
- It May Take a Little Time (07/01/2023)
Relationships can become strained when you loan or borrow money from a relative, especially if the loan isn’t paid back in an agreed upon time frame.... more
- Sometimes Helping Means More Than Just Giving (06/15/2023)
If someone asks you for financial help for groceries or household expenses, you have every right to insure the money is helping in the way you imagined.... more
- I Wouldn’t Do It That Way (06/01/2023)
Having an uncle gift property to his sibling, niece and nephew may sound like a kind hearted gesture to you but it could cause problems. See how Dave Ramsey would approach this offer.... more
- Are You Willing To Do What It Takes? (05/15/2023)
Getting out of debt requires some hardships that you can survive. Create a budget where you give every dollar you make a name and a job. Stick to your budget!... more
- Roll With It (05/01/2023)
If you find that you have a forgotten Thrift Savings Plan don’t with draw it. You’ll be paying the government money on at least 10% penalty and more. Here is Dave’s recommendation.... more
- How Big Is The Burden? (04/15/2023)
If you can afford it, why would you not want to help out a parent that did not plan or save for their own retirement? Here is Dave’s thoughts and suggestions.... more
- It’s Not As Difficult As You Think (04/01/2023)
You need a starter emergency fund if you have loans and other debts. Create a budget and give every dollar a name and a job!... more
- Remember to Be a Team When Tackling Finances After Layoffs (03/15/2023)
Laid off through no fault of your own? Contact your creditors and let them know that and that you will get current when you get a new job. You need to honor your debts but let your creditors know.... more
- I Know He’s Your Dad, But It’s His Responsibility – Not Yours (03/01/2023)
Don’t put your family finances in jeopardy by giving money to a parent that is irresponsible with finances. Get them help in being responsible.... more
- Managing A Friend’s Will (02/15/2023)
It is good idea to have an attorney on your side who knows how to navigate probate.... more
- File Bankruptcy? That’s Really Bad Advice (02/01/2023)
If you co-sign for a loan, you are responsible for it. If a collection agency contacts you there are some things you can do.... more