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Dear Dave, My husband and I are both 50, and we make about $50,000 a year. We have a little bit of debt, and recently my mother-in-law moved in with us due to health issues. We’ve always gotten by, but now we’re struggling with the additional expense...

Being a newlywed is awesome. I reflect on that season of my life as one filled with joy and anticipation. Sure, that first year of marriage was full of challenges, enormous adjustments and unexpected changes, but on the whole it was great. We found s...

Michael Kitces could drive a hot new car, work out in a high-end gym, and relax in a sprawling house. He can afford it. He just doesn’t want it. What does the 37-year-old financial planner, a partner and director of research at Pinnacle Advisory Gro...

DAVE SAYS by Dave Ramsey Dear Dave, I own a rental property that brings in enough to pay the taxes and insurance with a little left over. Recently, I found out that my tenant, who just signed a new two-year lease, is subleasing the property for the s...

Financial advisers say clients often overestimate their tolerance for risk. But data suggest it’s really financial advisers who become more nervous than they expected when markets become volatile. Advisers often underestimate their own stomach for r...

Dear Dave, Where should you save for large expenditures when you’re doing the Baby Steps? HEATH Dear Heath, Depending on what the expenditure is, I would suggest saving for these sorts of things after Baby Step 3. Once you’ve paid off all of your de...

Most investors should be familiar with the concept of “Home Country Bias”, the natural tendency to be more familiar and comfortable with public companies in your home country. Investors everywhere consistently display this trait, which is in direct c...

Dear Dave, I’m currently a senior in college. I’m completely debt-free right now, and I am wondering what I should do to stay this way after graduation. — Cary Dear Cary, You’re already primed for a great start. Doesn’t it feel great to know you won...

Dear Dave, My wife and I are in our twenties. We have no debt and $50,000 in the bank. Our income is $90,000 a year, and we’re cautious to live on less than we make. Still, we can’t seem to get motivated to make a budget. How can we get inspired to d...