Is This Plan Too Intense? Dear Dave, My wife and I make a little over $50,000 a year combined, and we’re almost debt-free. Right now, we have $50,000 left on our mortgage and $4,000 in student loans left to pay. We’re both really excited about the future, and we’re thinking about selling our home and…
Dave Says: You Can’t Just Cruise + He Set You Up
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Dave Says: Retained Earnings Are a Must + Be Professional
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Retained Earnings Are a Must Dear Dave, My husband owns a small landscaping and masonry company. His profits over the last couple of years have been about $80,000 annually. We were wondering if we should be setting aside some retained earnings. —Kim Dear Kim, Yes, all businesses should have retained earnings. In the personal finance…
Dave Says: Young, Jobless and Scared + Accounting 101
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Dave Says: Mother is 95 Years Old; Where Should Retirement Go? + How Much is too Much for a Wedding?
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Mother is 95 Years Old; Where Should Retirement Go? Dear Dave, My mom is 95 years old, and she’s in amazing health. Financially speaking, she has about $150,000 in Certificates of Deposit, money market accounts, and savings bonds. Is there a better place she can invest her money? —Anonymous Dear Anonymous, Certainly there are other…
Dave Says: Cash Flow School? + Travel Medical Insurance?
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Cash Flow School? Dear Dave, My wife and I are on Baby Step 2 of your plan, and I’m in graduate school while working full-time. We’re trying to cash flow my education from this point forward after previously taking out student loans. Our household income is $90,000 a year, and we have a car payment.…
Dave Says: Get Yourself Out of It + Why Save before Paying off the Mortgage?
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Dave Says: Don’t Touch the 401(k) + Kicked Out, Starting Out
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Dave Says: Insurance for Young Couple + How Much House?
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Insurance for Young Couple Dear Dave, My wife and I are both in our early 20s, we’re debt-free, and we’re just a couple of months away from having a fully loaded emergency fund of six months of expenses. We both also have 401(k) plans at work, and we’re looking forward to starting additional investments later…
Dave Says: It’s Okay to Take Control + Pause the Debt Snowball
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It’s Okay to Take Control Dear Dave, My husband is a recovering heroin addict. He’s been clean for two years, but I still feel we shouldn’t keep cash in the house or give him unsupervised access to a bank account. He agrees with these precautions, even though he does need a little pocket money from…