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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, ...

Part four — This is the last in the series on credit cards in BermudaCredit/debit cards for Bermuda residents: the question arises — do you really need them? And if you do, how should you manage them to your best ability? Why would I ask these questi...

This is part two of last week’s article. The single biggest investment that most families will ever make over their lifetime is the purchase of a home. Second, by a long shot, but still almost a home-breaker is the cost of children’s educatio...