Summer’s just around the corner, which means you might be thinking about one of my favorite things ever: vacation! In fact, I always joke that vacation planning is basically one of my spiritual gifts. But we all know vacations can get expensive real fast, which makes them a lot less fun than they should be….
There’s a Reason for All the Rules
Sometimes readers take me to task for not explaining a particular facet of the law when I write a column about some Social Security topic or another. I usually respond by pointing out that if I tried to cover every “if, and, or but” associated with whatever Social Security topic I am trying to explain,…
Simple Keys to Small Business Success
Dear Dave, Do you have any advice on how to start a car wash and detailing business? What things should I consider first, and what do I keep in mind over the long run? —Andrew Dear Andrew, I’m excited for you, man! And I love your ambitious spirit. Working for yourself is one of the…
Teach Them, Don’t Enable Them
Dear Dave, My younger brother and his wife did their taxes last month and learned they owe $15,000 to the IRS. I love them both, but they are extremely irresponsible with money. I know they have a lot of credit card debt, too. I am debt-free, including my home after following your plan, and would…
What Not to Do With Your Tax Refund
Tax time: that interesting time of year when ordinarily smart people begin to make really dumb financial decisions. Isn’t it amazing to watch what a little extra cash, otherwise known as a tax refund, lining the pockets can do? Random online polls suggest that 61 percent of U.S. taxpayers expect that this year, they’ll receive…
Don’t Waste Your Time or Money If You’re Not Serious
Dear Dave, I’ve been wanting to start my own small business for years. The only problem has been my current job. I make good money, but I also put in a lot of hours. About a month ago, I came up with an idea I think would be really successful. How do you feel about…
Parenting Matters: Teaching Your Kids About Money
I knew 15-year-old Pat and his family for many years. His dad was a highly successful CEO and it showed in the clothing he, his wife, and his kids wore so I was surprised one summer day to see Pat come into my office in dirty, smelly tennis shoes, and sweat-soaked shorts and shirt. He…
5 Simple Ways to Teach Kids About Money
I was blessed to grow up in a home where my siblings and I were taught wise money habits (would you really expect anything else from Dave Ramsey’s family?). And even though I didn’t always love the lessons on saving and budgeting as a kid, that knowledge set me up for success as an adult….
Keeping Your Money Safe From Shady Advisors
Don’t be stunned when I tell you this. But, you can’t trust every financial advisor out there. I mean there really are people out there like Matthew McConaughey’s character in “The Wolf of Wall Street” conducting some really dirty business, which means your money may not be safe with them. In fact, according to one…
How to Get More Miles Out of a Tank of Gas
I can sum up my response to the soaring price of gasoline in just one word: Aargh! While waiting for prices to come down (do you think they will?), don’t sit around complaining, all the while paying through the nose to drive your car. There are lots of things you can do to increase the…
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