Dave Ramsey

Dave Ramsey is America’s trusted voice on money and business and the CEO of Ramsey Solutions. He has authored five New York Times best-selling books. The Dave Ramsey Show is heard by more than 8.5 million listeners each week on more than 550 radio stations. Dave’s latest project, EveryDollar, provides a free online budget tool.

Dave Says: You Can’t Just Cruise + He Set You Up

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You Can’t Just Cruise Dear Dave, I work for a small company that just won a cruise trip for all the employees. The prize covers just the cruise tickets, and we have to pay for everything else. The problem is that my wife and I currently have more than $50,000 in debt, not counting our…

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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Young, Jobless and Scared Dear Dave, I’m 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our 10-month-old daughter, and we have very little in the way of savings. What can we do to keep our heads above water? —Seth Dear Seth, I’m…

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: 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…