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(Bloomberg Business) — Barraged by investment firms eager to manage their life savings, many Americans are making their choice — for nobody. They’re shrugging off investment advisers altogether in the hunt for lower costs, Bloomberg Markets magazine ...

Dear Dave, We’re debt-free including our home. My husband is a man of faith, but a bit of a dreamer. He has written several inspirational books that haven’t sold, but he feels this and public speaking are his calling. He wants us to sell the house, a...

Dear Dave, I’ve been in my current job for five years. I’ve also had a second job for three of those years, but now I’d like to make a change. Do you have any advice on how to convince a potential employer that I’m a good hire, even though I had a c...

People love to throw around numbers when they talk about retirement. How many times have you heard that 52 per cent of Americans have only $10,000 saved for retirement? Or that 33 per cent of workers are putting off retirement until after age 65, and...

Dear Dave, I have a question about budgeting. I give myself and my husband $150 a month each for blow money to be used on whatever we want. I’m upset because he spends all his eating out, then he buys other things he wants that he has no money for. A...

Dear Dave, My husband and I have been following your plan. We just paid cash for our new home after selling the old one, so we’re out of the Baby Steps. But we’ve still got about $50,000 in student loan debt hanging over our heads. We make over $100,...

Dear Dave, I’ve been following your plan, and I have my emergency fund in place and am investing in mutual funds. Recently, a financial planner recommended bonds to me. What is your opinion on this? BECKY Dear Becky, I don’t recommend bonds at all ri...