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Dear Dave, I’ve been on medical leave from my job due to an injury. My doctor recently advised extending the leave another six months, but during this time I wouldn’t be paid. My husband makes $75,000 a year, and we owe $40,000 on our cars. This incl...

Dear Dave, My younger sister moved came to live with my husband and me a few months ago. She’s 19, has a job, and is attending a local college. But even though she’s working, she hasn’t said anything about helping out with utilities or paying rent. W...

With stock market indices pushing new highs, the investment community has become somewhat divided over exactly where we go from here. For one thing, what makes this bull market rather different from those of past eras is the sheer breadth of the rise...

One of the tips in my best-selling investing guide, 101 Ways to Pick Stock Market Winners, is never invest in political footballs. I go on to say politicians think nothing of crushing companies, or for that matter, industries, regions or even states....

Dear Dave, My mother-in-law has a serious credit card problem. She can’t afford stuff, but she shops anyway, acquires more and more credit and thinks she’ll pay for it all later somehow. Her husband has bailed her out a few times, but he’s unwilling ...

Dear Dave, I got married in May, and my wife brought student loan debt into the marriage. I had some savings before the wedding, and I could pay this off immediately without putting us in a bind. But is this “her” debt, or should I look at it as “our...

Dear Dave, My parents are close to retirement and very heavily leveraged. Do you have any advice on how I can help motivate them to succeed financially? —Jack Dear Jack, I appreciate your concern for your mom and dad, but I’m not sure you can moti...

It doesn’t take a financial guru of profound genius to know that there has been a nasty correction around April and May every year since 2006. What is an investor or trader to do? The trader in you will say “sell in May and go away.” This is a solid...

Dear Dave, When it comes to taking control of your money and living on a budget, what’s the biggest thing a family can live without? —Will Dear Will, There are always the shiny things people can do without. Sometimes people sell a fancy car or boat ...

The Royal Gazette is pleased to introduce our new Personal Finance columnist Dave Ramsey. Millions in America listen to him every week and read his advice on getting out of debt, living below your means and finding financial peace. We hope he can hel...