Interrupter CheckmarkInterrupter IconFacebookGoogle PlusInstagramGroupRamsey SolutionsTwitterYouTubeExpand MenuStoreCloseSearchExpand MenuBackStoreSign in

Ask Dave

Dave has answered thousands of money questions over the years.
Find the answer to your question here.


Budget billing for utilities?

Dave says budget billing plans for utilities are a great idea, especially if you're just starting to get control of your finances.

Envelopes and debit cards

Sarah feels her attempts to budget are suffering, because she only uses her debit card to pay for things. Listen as Dave offers some advice, explains the envelope system, and discusses the principles to successful budgeting. It's a great teaching segment.

A Properly Budgeted Christmas

Christmas is expensive! Especially when you're trying to make it special for those you care about. So what's reasonable when you're getting out of debt? Here's Dave's advice on Christmas budgeting.

If you know it's coming, it's not an emergency

Melody's husband believes he'll have about three months of down time each year in his new business. He wants them to skip paying off debt, and build up a big emergency fund to cover these times. Dave gives them a better idea.

Invest in you

Chandler is working his way through college. He asks Dave and Chris Brown if he should invest any additional pay, or simply save it for school expenses.

The numbers don't work

Courtney has seen a lot big plans for her life fall through. Now she faces life with an apartment lease she can't afford and a child. There aren't a lot of options here, but Dave offers some help and encouragement.

Need side income

Erik was recently separated from the military, and now he hopes to have a career in real estate. His wife works as a teacher, but things are starting slowly for him. He asks Dave if they should sell their home.

Should We Take Military Separation Pay?

Gretchen's husband is going to receive military separation pay. If he goes into the National Guard, they will need to repay it. Dave advises Gretchen to check into whether or not they can decline separation pay.

Thank you! Your guide is on its way! 

Learn to Budget Like a Pro!

Learn to Budget Like a Pro

Get the Free EveryDollar Guide to Budgeting

Learn to Budget Like a Pro

Get the Free EveryDollar Guide to Budgeting