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Ask Dave

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

Home buying

Slow down, don't cash out

Deb asks if they should take money from retirement to pay off their home. Dave has a better idea, especially after hearing their income.

Should we?

Denise and her husband are considering a move back to their home state of Ohio. They've found a place they like, but it has one big drawback. Dave listens, assesses the situation, and gives them his thoughts.

How much home can I afford?

Ryan asks Dave how to determine how much house you can afford based on your yearly income. Dave gives the answer and an explanation here.

Sell back PTO?

Ashley is thinking about selling her company back a portion of the paid time off she has accumulated over the years, because she wants to use the money to pay off her house more quickly. She talks the plan over with Dave and Chris Brown, and they give her guidance in an unusual situation.

What percentage?

Susan from Abilene, Texas, asks Dave what percentage of your total net worth your mortgage should be after retirement.

Pay off debt first

After taking a closer look at their budget and debts, Craig and his wife are having second thoughts about finalizing a deal on a house. He calls in from Miami, FL, and Dave offers his opinion on the situation.

Mortgage or Save?

Kevin in Midland, Texas, just became debt-free. He currently rents, but wants to buy a home, and asks Dave the best way to approach buying a house. Dave has a couple of options for Kevin, and thinks he knows what Kevin will do.

Stop Retirement, Pay House?

Kaylie and her husband wonder if they should stop saving for retirement in order to pay off their house sooner.

More of a Mortgage

Lindsey and her husband's mortgage payment is more than 25% of their take-home pay. They're trying to decide if they should be placing the full 15% of their income toward retirement or pay down the mortgage.

Buy a House with an Agent Who Serves, Not Sells

Buy a House with an Agent Who Serves, Not Sells.

You need an agent who cares more about you than their commission check.
Find a Buyer's Agent

Buy a House with an Agent Who Serves, Not Sells.

You need an agent who cares more about you than their commission check.
Find a Buyer's Agent