Saving

Don't compromise your emergency fund

Chris and his wife are debt-free. They're ready to build their first house, but they're a little short of the 20 percent Dave recommends for a down payment. Should they dip into their fully-funded emergency fund to make up the difference? Dave gives them some guidelines.

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Watch your spending while saving

Jessica is curious what Dave thinks about shopping at warehouse clubs. Dave says he's a fan, but he warns Jessica about overspending and overbuying.

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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.

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Let them be kids, too

Valerie and her husband would like to give something to their grandchildren for Christmas other than the usual toys. Dave likes their idea of planning for the future, but he advises them to throw in a few toys, too.

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