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 help you!Dear Dave,I’m 27 and married, and we have two kids. I make $90,000 a year, but we have $80,000 in consumer debt —$48,000 of which is in car loans.The rest is credit card debt. My wife’s parents have offered to let us move in with them so we can get out of debt faster. Do you think this is a good idea?—KevinDear Kevin,If I were in your situation, I would not move in with the in-laws.You’ve got an absurd amount of money wrapped up in those cars.I’d sell the stupid things, start living on a budget and paying down debt, and keep my dignity.In my mind there are only two scenarios where you’d even consider taking the in-laws up on their offer.One is where they’re absolutely wonderful people and you have a great, non-toxic relationship with them, where everyone involved knows their boundaries.Even then, I’d only consider this if it were for a very short, agreed-upon amount of time.The second scenario would be if moving in with the in-laws were the only way to accomplish your goal.And you don’t pass that test. You guys can get out of debt pretty quickly if you’ll just lose these ridiculous cars!Think about it. If you had two little paid-for beaters, your lives would be so much different.You could even save a little money on the side while you were paying down debt and buy a better car as soon as the debt was gone.If you can’t tell, I’m pretty big on maintaining dignity.You might love your cars so much that you’re unwilling to make the sacrifice.Not me. The money going into your automobiles is insane, and that’s your biggest problem!—DaveDear Dave,Both of our daughters will start college next year.We have $25,000 set aside for each in their custodial accounts, but my financial advisor says we should take the money out because it will keep them from being awarded as much in scholarships and other assistance. What do you think?—JohnDear John,I disagree. It’s like saying you should quit your job to get food stamps.You guys obviously aren’t poor, and any financial advisor who says you need to fake being poor in order to get help is not a person whose advice I want to follow.When your kids apply for scholarships and assistance, your entire financial picture will be assessed.More funding goes to kids from poor families than rich ones, but that’s only fair. Chances are, you fall somewhere in the upper-middle portion of the scale.But no, I wouldn’t move the money or try to hide it.It’s just not honest to try and act like you’re poor when you’re not. I don’t believe in that kind of stuff.—DaveDave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at www.daveramsey.com.