Question: Tara has a business that employees a lot of manual labor that usually means they are on the low end of the pay scale. Which means they have a lot of turnover and it's difficult to get a lot of production from them. What do you suggest?

Dave Ramsey's advice: If there is way to increase the efficiency of the employees by incorporating some machinery or technology. Then perhaps you can increase wages. However, it's important to figure out what they really want because these type of people may not be interested in a 401k. They may already have the mindset that this is temporary. It's tough because you have to overcome their mindset.

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Question: Theresa borrowed money from her family to start a small business. There has been some confusion and the debt has been passed on to other family members. They have paid everyone except her brother-in-law. They don't think they can pay it off without borrowing it. Dave attempts to dissect her "ludicrous" mess.

Dave Ramsey's advice: This is the most convoluted mess I've heard in a while. It's a disastrous mess. If you really owe him $28,000, and you can borrow it to pay him, I would. You'll have debt either way, but you at least have structure when you have a bank loan. Since this isn't in writing, the only way your brother knows how to collect on this debt is by a guilt trip.

It's good that you are honoring your word about this debt, but the problem is that you're not even convinced that it's even there. This family just decided what you were going to pay them. This is ludicrous! You need to sit down with him and your husband and determine if this is an accurate amount if you're about to get a loan over it. If it's accurate, then borrow from a bank and get this guy out of your life. And NEVER do business unless it's in writing again.

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Question: Jill asks how you can save up cash to buy a commercial building without getting killed in taxes. Her accountant thinks they should go into debt to do it.

Dave Ramsey's advice: There are two words to say to your accountant. "You're fired". If you buy a building, you'll still get killed in taxes. Even if you have deductions on everything, you'll still get taxed. If you pay $10,000 a month in interest, that's $120,000 a year. If you write that off, it will only save you about $30,000 in taxes. Don't go into debt to get a tax deduction. It's a great idea to save up and pay cash for a building.

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