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What’s the value of money to you? The common understanding of money and its relationship with us is that of a commodity of exchange; it’s the stuff that buys the stuff that we either need or want. However, money is much more than printed paper or sha...

Dear Dave, I started my own small bakery from home two years ago, providing wedding and specialty cakes. I just found out I’m pregnant, and while my husband and I are really excited about the baby, we’re worried about how we’ll handle things after th...

For more than 20 years, I’ve had the honour of helping millions of families take control of their money and stop drowning in debt. It’s been awesome to see so many people change their lives. Early on, however, I noticed a pattern with the people I wa...

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, 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, My husband and I are following your plan, and we’re trying to reconcile our on-paper budget with what’s going on in our bank account. Most of our bills are due the first half of the month, but we receive most of our income during the seco...

Dear Dave, My mother-in-law is in poor health and doesn’t have a lot of money. She has been giving us a lot of her earnings over the last couple of years as a kind of early inheritance, because she’s afraid she’ll spend it all. We’re setting it aside...

Dear Dave My daughter is a freshman in college, but I didn’t save for her education. My parents said it was my job to pay for my college, and that’s what I’ve told her. She’s going to have about $12,000 in student loan debt after her first year. How...

Dear Dave — Can you explain the ‘asset allocation’ theory when it comes to investing? Matthew Dear Matthew — The asset allocation theory is one touted by lots of people in the financial community. It’s also a theory with which I disagree. In short, ...