Have you ever started out the weekend with exciting plans only to have them come to a screeching halt? I have! That’s what happens when you have three little kids. The same is true of our money goals: Sometimes they get derailed. But just because our original plans get derailed, it doesn’t mean we can’t…
Extra Money Dilemma; Should We Buy Cancer Insurance?
As you know, because I tell you all the time, I get a ton of mail! Today, I reached into my virtual mailbag and pulled out two reader questions, neither of them having easy answers. But hopefully this will make you think of your own situation in light of these questions and my responses. Dear…
They’ll Play on Your Emotions
Dear Dave, I’m on Baby Step 2. I’ve paid off almost all my debt, and I’m living on a monthly budget. Recently, I got a call from a debt collection company about an old medical bill. They threatened to garnish my wages, and from the way they talked, I’m afraid they may actually do it….
Privacy Laws and Social Security
I recall my days as a trainee with the Social Security Administration. And gosh, that was almost 50 years ago! The very first thing drilled into our heads was a law called The Privacy Act, which prevented us from disclosing any information about anyone’s Social Security record to anyone other than the record holder. Almost…
8 Ways to Save Money on Business Taxes
When it comes to saving money on your business taxes, it’s easy to feel overwhelmed by the sheer volume of information about what you can deduct and what you can’t. However, for small business owners, especially, it’s important to write off as much as you can in order to retain the most profit for your…
People Who Don’t Want Social Security
When we are talking about Social Security benefits, almost everyone wants more, not less. You can probably find 10,000 articles on the Internet if you search “maximizing your Social Security.” But I’ll give you $1,000 if you can find one story headlined “minimizing your Social Security.” Or consider this. Over the past 50 years, I…
Medicare and Health Savings Accounts; Closing Credit-Card Accounts
Dear Mary: I’m a few months from my Medicare birthday, when I’ll turn 65. I have had a high-deductible health savings account qualified insurance plan for more than 10 years. The health savings account has a decent balance of nearly $15,000 because I’ve enjoyed good health and few medical expenses. My question: Can I keep…
When Showing up Is the Hardest Part
July 13, 2021
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Not that long ago, I underwent that procedure no one my age likes to talk about. Doing all the necessary prep to get ready for the exam was bad enough. Then, I wanted to cut and run when I saw those words on the office door: certified financial planner. But we did it. My husband…
Bless Them, Don’t Enable Them
Dear Dave, My husband and I are both teachers, and we’re on Baby Step 7. We’re struggling with things where our wills are concerned. Three of our four adult children aren’t being wise with their money, and my husband and I disagree on how to talk to them about it and how it may affect…
Buying and Selling in a Hot Housing Market
The housing market is white hot right now! Home prices are way up over last year, and 50 percent of homes are selling for more than the asking price—$20,000, $50,000, even $100,000 more in some cases. That’s causing buyers everywhere to do some insane things to get the houses they want. More than half made…
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