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Dear Dave, My wife and I are following your plan, and we just paid off all our debt except for the house. Since we work for the same company, do you think we should have an emergency fund that is larger than you normally recommend? DON Dear Don, That...

Dear Dave, My wife and I are not on the same page when it comes to money and our two teenage daughters. I think they should be learning the value of work and money, but she doesn’t want them to work. She regularly hands them spending money and buys t...

Dear Dave, We’re working the debt snowball, and together my husband and I make $93,000 a year. The amounts of our remaining three debts are so close we wonder if we should take interest rates into account. Two are student loans for $2,970 and $6,700,...

Dear Dave, My husband and I have seven children. What parts of your programme work best for large families? — Karen Dear Karen, My entire plan works for a large family. Larger families just have more expenses. What does change — and you already kne...

Dear Dave, My husband and I are retired, we both receive nice pensions, and we owe $46,000 on our home. This is our only debt. I’m 65, he is 82, and we have more than $800,000 in variable annuities, along with substantial cash in savings. We also hav...

If I told you that you could get a pay rise without earning more income, would you take it? Of course you would! Many people who budget for the first time feel like they got a rise. That’s because they’re discovering money they didn’t realise they h...

One of the most frequent comments we receive when teaching basic money principles is this: “I wish I could have learned this stuff sooner!” That’s understandable. When you’re 30 years old, strapped with student loan debt, up to your eyeballs in cred...

If I told you that you could get a pay rise without earning more income, would you take it? Of course you would! Many people who budget for the first time feel like they got a rise. That’s because they’re discovering money they didn’t realise they h...

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...