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Dear Dave, I lost my job a couple of years ago. As a result, I ended up in about $25,000 of debt through credit cards and a consolidation loan. Now I have a great job making more than I’ve ever made before, plus a car loan for about $13,000. The olde...

Yesterday was Armistice Day, a time set aside in Bermuda and elsewhere to commemorate and remember all who died during the First World War (now more than 100 years ago), and the Second World War, in the ever-continuing fight for democracy against the...

Dear Dave, I live with my boyfriend, and we have a baby together. I brought debt into the relationship, and I’m using your debt snowball method to pay it off, but he is debt-free. We have quite a few shared expenses that we split 50-50, but that mean...

I don’t believe in retirement. Why should I or you? Governments and those “all-knowers” across the spectrum, say you should. According to Mary Lou Weisman in “The History of Retirement, From Early Man to A.A.R.P”, writing in the New York Times in Ma...

Christmas and money – now there’s a combination that can send anyone spiralling. When you’re trying to take control of your money, saving for an emergency fund is a crucial part of the process. In fact, it’s so important that at Ramsey Solutions, the...

This year, global central bank monetary policy tightening has caused the most damage to conservatively managed investment portfolios in over hundred years, according to a recent study by Bank of America. Federal Reserve chairman, Jerome Powell and h...

This is the third in a series of articles about the anatomy of a mortgage contract. Be aware that mortgage contract facts covered are generically-derived – your mortgage will be specific to your mortgage and your lender. We've covered mortgage f...

Dear Dave, After hearing you talk about financial infidelity, I have to admit that I hide money from my husband. I have been setting aside money for emergencies without his knowledge. He is not terrible with money, but he always seems to find somethi...

This article originally written in fall 2017. It has been revised and updated with current information. These days the truth is in short supply. What is truth? Is it those mundane facts of consequences that are embedded in law, such as you must ...

Dear Dave, I need help. I am way behind on my basic utilities and my taxes. I have tried to start the Baby Steps, but everything is so overwhelming right now that it is easy to get discouraged. I am 33, I live in Los Angeles, and I average around $30...