Question: Holly is expecting a $7,000 tax refund. Her husband's job is fairly unstable, and she's wondering if she needs to bank that money or pay off debt, or prepay the mortgage for the entire year. What does Dave say?

Dave Ramsey's advice: You do not want to prepay the mortgage. Park the money in a separate savings account and do not touch it under any circumstances unless there's an emergency. That's the best thing to do until his job stabilizes. Once that happens, you should pay off debt. Don't worry about what the newspapers say about the economy; but pay attention to what's going on at work.

Stop getting such a big tax refund. Go to human resources and change your payroll deductions so he brings home more money per month. You have almost $600 a month coming out of your check. You loaned the government $7,000 for free throughout the year.

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One listener to Dave's show had a creative way at looking at one presidential candidate's tax plan proposal. It's funny and makes you think at the same time.

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David makes $48,000 a year and his boss makes $350,000 a year. He thinks that Dave is whining about making a lot of money and paying a lot in taxes ... until Dave presents him with an example that shuts him up.

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