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Ask Dave

Cash Out Savings Bonds?

Dave can tell from Bradley's idea that he "gets" what a total money makeover is all about.

QUESTION: Bradley has $6,000 in savings bonds and $13,000 in debt. Should he cash those in and pay on the debt?

ANSWER: I can tell you've read The Total Money Makeover and you "get" what it's all about.  It's all about behavior change.  I would keep the savings bond where it is and continue to pay down on the debt with everything else you have.  You sound like you have the discipline to stick to your debt-free plan and that's most important.