Fundraisers and requests from charities used to bother me. So did the collection plate at church. I felt guilty because no matter how much money we made, there was never enough to give any of it away. And with all the debt we had (it was plenty!), how could I be expected to help others…
4 Rules to Get Out of Debt
If you’re in debt, you have to get out. The best way to do that is to put together a plan—but remember, a plan is only as good as your ability to stick with it. Just like diets, all of them work: The true test is sticking with one. No matter how effective the plan…
Paul Krugman Is Still Wrong About Money
Commentary When a writer starts a new column, his first battle is to justify why people should read it. Paul Krugman has just made that task much easier for me, by publishing a column on money that, to use his favorite phrase, is “all wrong.” The crucial point at which Krugman gets it “all wrong”…
Should We Offer Over List Price—and by How Much?
Dear Monty: We live in an area where it has become common to hear of bidding wars. We are ready to start looking to buy in the next couple of months. The very idea of paying more than the seller is asking grates my intuition. But we also want to buy. Is it a good…
Turning Full Retirement Age in 2022? Consider Filing for Benefits This Month
I write a column similar to this one every January. But I don’t mind plagiarizing myself, because it contains a very important message for people planning to retire in 2022. January is a critical month for the hundreds of thousands of potential Social Security beneficiaries who are reaching 66 and 4 months, their so-called full…
The Student Loan (Pandemic) Payment Pause Is Coming to an End
Just in case you’ve forgotten, there’s a student loan crisis in America. The amount owed in the United States is more than $1.5 trillion dollars (Yes, that’s with a T)! There hasn’t been a lot of attention given to that figure during 2020 and 2021 because of the COVID-19 pandemic, and with good reason. In March…
There’s Going to Be Sacrifice Involved
Dear Dave, I bring home about $2,800 a month, and our mortgage payment is $1,100. We have been forced to take money out of our savings account occasionally over the last year or so to help pay the bills. My wife loves being a stay-at-home mom with our two preschool kids, but even she is…
What You Need to Know About Social Security Changes in 2022
It has been my custom for most of the past 24 years to write a year-end column that summarizes the Social Security changes and updates scheduled to take place the following year. Almost all Social Security beneficiaries are familiar with the most popular and publicized upcoming change: the increase in monthly benefit checks for 2022…
When and How to File for Social Security Benefits
Hundreds of thousands of people will be filing for Social Security benefits in 2022. So today, I’m going to write a column about when and how to file for Social Security benefits. But first, let me clarify the “when to file” part. As I’ve said over and over again in this column, I am not…
Help Your New Year’s Resolutions Stick
December 25, 2021
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Dear Dave, I thought I was going to get control of my money and make a lot of other positive changes in my life this year, but very few of the things I wanted to accomplish happened. I started strong, and began with serious intentions, but somewhere along the way I lost focus. Can you…
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