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Dear Dave, Our daughter wasn’t very responsible with money until she read your books. Now, she has really started turning her life around. Recently, she learned she needs to have some expensive dental work done. Since she just started trying to mana...

Dear Dave, My wife and I are still paying off debt, so we didn’t budget anything for Christmas. How much do you think we should spend on close friends and family members? Dan Dear Dan, Not having a budget for Christmas probably isn’t a great idea if...

Dear Dave, My husband and I are following your plan, and we’re trying to reconcile our on-paper budget with what’s going on in our bank account. Most of our bills are due the first half of the month, but we receive most of our income during the seco...

Dear Dave, My mother-in-law is in poor health and doesn’t have a lot of money. She has been giving us a lot of her earnings over the last couple of years as a kind of early inheritance, because she’s afraid she’ll spend it all. We’re setting it aside...

Dear Dave, We’ve got our starter emergency fund in place, and we’ve paid off the last of our debt. Currently, we rent an apartment but my wife really wants us to buy a house now. She also wants us to use a 30-year, 100 percent financing plan, and say...

Dear Dave My daughter is a freshman in college, but I didn’t save for her education. My parents said it was my job to pay for my college, and that’s what I’ve told her. She’s going to have about $12,000 in student loan debt after her first year. How...

Dear Dave, I’m in college, but I’m not the typical college student. I’ve gone back to law school after working for several years. My wife and I have followed your plan, and we’re completely debt-free. I’m cash flowing school, and we’ve been fortunate...

Dear Dave — Can you explain the ‘asset allocation’ theory when it comes to investing? Matthew Dear Matthew — The asset allocation theory is one touted by lots of people in the financial community. It’s also a theory with which I disagree. In short, ...