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Dear Dave, We’re debt-free except for our home, and we’ll have our fully funded emergency fund of three to six months of expenses, we’ve agreed on six months’ worth, saved up by the end of February. We’re also setting aside a little each month to buy...

Ever feel like you have a completely packed calendar and yet don’t really accomplish much at all? The struggle is real! But the struggle is also our fault. We say “yes” far too much. We’re so afraid of disappointing people that we spend all our time ...

Managing your financial life requires following three rules: 1, Spend less than you earn. 2, Prioritise investing for your future. 3, Figure out what matters and spend accordingly. If you follow these simple rules, you can ignore the rest of this col...

Dear Dave, My wife and I made a resolution this year to pay off $20,000 in credit card debt we’ve accumulated. I want us to follow your plan, and live on a really tight budget. She wants us to use a debt consolidation company, like some of her friend...

Dear Dave, My wife and I will both turn 30 next month. We have two young children, and we make a little over $85,000 combined. The problem is we have about $70,000 in debt. Some of it is credit card debt, but nearly $50,000 is in two car loans. Her m...

Dear Dave, My wife and I have our budget ready for next month, and we’ll be following your plan in 2020 to pay off debt and get our finances in order. Do you have any tips for setting and sticking to goals in general? — Rick Dear Rick, That’s a fant...

Investors have beaten the money managers. Their next adversary will be even more difficult: themselves. It’s impossible to overstate the magnitude of the changes that have swept through the investment industry over the last decade. Until recently, in...

Raise your hand if you feel confident about your finances. Not feeling it? That’s OK. In American, 60 per cent of citizens are living paycheque to paycheque, while there are 81.6 million paying off student loan debt. It’s hard to feel confident when ...

Dear Dave, I’ve never heard you talk about store layaway programmes. With Christmas coming, I wanted to ask your opinion of using layaway for buying gifts. — Meg *** Dear Meg, If you know me, you probably have a good idea what’s coming next. I’m no...

The holidays are here, and for many parents, it’s all about managing their kids’ expectations. They think they need to give their kids the biggest presents, the most presents, and the coolest presents. But trust me: Little Sally won’t be scarred for ...