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Dear Dave, I’m new to you and your plan. Why do you want people to pay off the debt with the smallest balance first, instead of the one with the highest interest rate? — Courtney Dear Courtney, Simply put, because personal finance isn’t all about m...

In the fall of 2007, an analyst named Meredith Whitney from a second-tier Wall Street firm would make a name for herself in the world of finance when she predicted that Citigroup was so undercapitalised and mismanaged that it would surely be forced t...

Dear Dave, My wife and I argue a lot about finances. We’re trying to get more control over our money, and she has been listening to you. That’s helped a lot. She’s also a lot more frugal than I am, and our biggest point of contention right now is how...

Setting a retirement savings goal can feel like a crap shoot. How can you calculate your expenses, especially for healthcare, five, 10, 50 years from now? If you’ve punted, you have company. Only 41 per cent of workers have even tried to figure out h...

Dear Dave, One of my relatives just graduated from college with $20,000 in student loan debt. Her boyfriend graduated, too, and he has over $100,000 in student loan debt. They want to get married, so she’s looking for a job. He wants to go to graduat...

Dear Dave, We’re trying to get control of our finances, and my husband wants to close all our credit cards. I want to keep one and use the bill-pay option for monthly stuff like utilities, so we can keep earning rewards points. I look at my way as a ...

You might ask yourself why you would need a financial freedom playbook from Tony Robbins. Yes, as a life success coach he is globally famous, but in the world of investments — not so much. But hold on. In the opening pages of his new book Unshakeable...

BlackRock, the world’s largest money manager, recently asked a group of Americans in defined-contribution plans, how they’re fixed for retirement. Most said they’re on track to kick back in comfort. Are they crazy? If they are, so are some of the equ...

Dear Dave, I’m thinking about getting a secured credit card to help rebuild my credit score, because I’d like to buy a house. Do you think this is a good start towards getting my credit back on track and taking control of my finances? I make $50,000 ...

Dear Dave, After listening to your show, I want to try to get control of my finances, but I’m afraid to open up the bills. I make about $60,000 a year, but it’s a real struggle just to keep my head above water financially. My chequing account is alwa...