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Dear Dave, I’m a recently retired widow, and my husband always took care of most of our finances. We never had any debt, but after starting to learn a little bit about how money works, I’m worried that there may be too much of it invested in CDs (cer...

Dear Dave, My wife and I are on Baby Step 3 of your plan, and we’re about halfway to building our fully funded emergency fund. We don’t like our current home very much, and we’d like to sell and move as soon as possible. We have a little over $30,000...

Dear Dave, My husband has his own one-man painting business, and I help him with the books. We were wondering how you know when it’s time to implement a price increase. Also, what should the increase be? LAUREN Dear Lauren, I grew up in the real-esta...

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 parents left their six-figure jobs to enter the ministry when I was in high school. That was 10 years ago, and my mom still regularly asks me to share my money with them. I don’t mind helping out once in a while, but this has been going...

Dear Dave, I make $38,000 a year and I’m about to start Baby Step 3. It took 14 months to pay off $8,000 in debt for Baby Step 2, so I’m wondering how long it should take to save up my three to six months of expenses. I’ve also not done a lot towards...

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...

Dear Dave, My mom and dad have filed for bankruptcy and are on a fixed income of $2,200 a month. They gave up their house, and my wife and I helped them find an apartment. We’re also trying to give them other help while they’re getting back on their ...

Dear Dave, I’m 19 years old, and I’m putting myself through college debt-free. I usually work part time during the semesters, but right now I’m working full time. I have about $2,000 in mutual funds, and I was wondering if I should add my full-time w...