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Dear Dave, My wife and I are on Baby Step 3 of your plan. When we have standard car repairs, I want to use the emergency fund. She says that kind of thing isn’t an emergency, and we should just put it off as long as possible while saving up to fix th...

Dear Dave, My husband and I are about to relocate to another part of the country. We’d like to sell our house, but we’re thinking about taking out a small loan to have some work done first. We could get in the $180,000 range selling it “as-is” but cl...

Dear Dave, Our son is a senior in college. We all signed a contract before he left for school a few years ago stating that we would pay for school and provide him a car to drive as long as he maintained good grades and behaved in a respectful and ma...

Dear Dave, My wife and I just started your class, and we’re determined to get out of debt. At the same time, I’d like to do something to reduce the stress in her life. She’s a nurse, and she works three 12-hour night shifts a week. I’m a teacher, and...

Dear Dave, My husband and I live on a budget and are getting out of debt. Our daughter is in high school, and we’ve been teaching her about your plan. Is it realistic to expect a 16-year-old with a part-time job to make and live on a budget? — Marc...

Dear Dave, I’ve spent most of my marriage not being a good husband and not being involved in our family finances. After being introduced to one of your programmes at work, I realised how irresponsible I had been and went home to apologise and tell my...

What’s the value of money to you? The common understanding of money and its relationship with us is that of a commodity of exchange; it’s the stuff that buys the stuff that we either need or want. However, money is much more than printed paper or sha...

Dear Dave, I’m having issues with my youngest brother, and I need some advice. He’s 25, divorced and has two children. He only wants to play dad when it’s convenient for him, and he’s very irresponsible with money as well. Our parents passed away a f...

Predicting the end of the world has always been a losing bet. We were reminded of this once again when October 7 came and went, and the world didn’t go poof. It was supposed to. That’s according to the eBible Fellowship, a small online religious gro...

Dear Dave, My husband and I have a disagreement on whether or not you would recommend buying a home warranty to cover appliance repair. I’ve read your books, and I think you’d say no. He thinks you believe it’s a good idea. Can you settle this for us...