Question: Andrew's wife went back to school and they are barely scraping by. She wants to buy their puppy a Halloween costume and he thinks it's a waste of money. You won't believe Dave's tone in answering this.

Dave Ramsey's advice: You're broke and you're in school, so you don't need to buy a Halloween costume for the dog. THE DOG DOESN'T NEED A FREAKIN' HALLOWEEN COSTUME!!! Only in America would this be a concern. If you have $10 million and want to buy doggie a diamond necklace, then buy one. You're in college and you have debt!

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Question: Adria and her husband have been married for 11 years and gotten into about $40,000 in credit card debt. Her husband says it will take them four years to get rid of this. Dave thinks that's crazy.

Dave Ramsey's advice: That's ABSURD! It's ridiculous to make $90,000 a year and it take 4 years to pay off this debt. The average family in America makes $40,000 a year, so it should be no problem for you to downsize in lifestyle and have this taken care of in 2 years. You guys need to work together on the budget, instead of just one of you knowing what is going on.

You might sell the lease car and get a beater. I want you rid of that payment, because you need to concentrate on getting rid of these payments. You are in a big hole, but you've got a good shovel. These numbers are doable to get rid of the debt in a couple of years, but you have to sacrifice lifestyle.

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Question: Jeff's company overpaid him by $14,000 a few months ago. He used the money and paid some old bills, and now they are taking it out of his paycheck gradually, totaling $1,250 a month. As a result, his bills are piling up. How can he tackle them? Dave settles him down and walks him through the Baby Steps.

Dave Ramsey's advice: This is what happens when you don't pay attention to what's going on. The first thing to do is make sure you're current with everything. Then get $1,000 saved in the bank, and then focus on killing off your debts, smallest to largest. If the $1,250 payback rate is killing you, you can sit down with your bosses and tell them that. Tell them that you need this repayment to be less money taken out over a longer period of time.

Another note here, Jeff. When you're getting overpaid, don't spend the money! Go and have it fixed immediately, because it's going to cause a problem for you later if you don't.

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