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 them expensive gifts. I want our girls to have some nice things, but this is starting to cause problems in our relationship. Do you have any advice?

STAN

Dear Stan,

Kids should learn to work and make money at an early age. We’ve given nice gifts to our kids, but the difference is they also worked and made money for themselves. The gifts we gave them were for special occasions. Showering our kids with money and expensive toys all the time was not our way of life.

In this situation, your wife is allowing them to be nothing but consumers. I know she loves them, but they’re not learning how to work, and they’re not learning how to save or give. This is setting them up for a lifetime of unrealistic expectations. If something doesn’t happen to change things, you’re going to end up with two spoilt little girls, who think they should be given everything their entire lives.

Still, I think the biggest problem is you and your wife are experiencing a communication and marital breakdown. If the kids weren’t in the picture, I’ve got a feeling the same problems would exist. The difference is they would manifest themselves in other ways.

Obviously, your wife needs to stop being so impulsive where the kids are concerned. Try sitting down with her, and gently explaining your feelings. Let your wife know you love her and how generous she is, but you’re worried this is having a negative impact on your children. Maybe you could try to establish some guidelines as to when really nice gifts are appropriate, too. There’s a middle ground you can reach, but it’s going to take some time and effort. Most of all, it means the two of you are going to have to communicate and work together for the good of your kids.

—DAVE

Dear Dave,

I just graduated from college recently. Is it a waste of time to apply for a job if you have a degree in the proper field, but no real work experience?

DANIEL

Dear Daniel,

Absolutely not! The only sure-fire way to ensure you’ll miss out on a job is by not applying for the position.

Send a copy of your resumé to every job opportunity for which you have a reasonable chance of being hired. Then, when you get an interview, go in there with your head held high. Be articulate, enthusiastic, and carry yourself with purpose. Use your style, intelligence, education, and confidence to sell yourself and your ability to jump in, learn quickly, and get the job done.

I’ve met lots of people who say they have 20 years of experience. But in a lot of cases it’s more like one year of experience 20 times. That kind of “experience” is useless. I’ve also met many sharp, educated people without experience, but you can tell they’re the kind who will put their minds to work, think outside the box, and figure out a way to get the job done with excellence.

As an employer, if I’ve got a choice between the two, that’s the one I want on my team.

—DAVE

• Dave Ramsey is CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 14 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.