Dave gives his opinion on spending money on a 'date night' and alternatives you can take to save that money.... more

Dave gives his opinion on taking money from your emergency fund savings.... more

Dave gives his opinion on wholesale club memberships.... more

Dave gives his opinion on buying a salvaged car.... more

Dave gives his opinion on rent-to-own housing, and why it is not a smart option.... more

Dave gives his opinion on retirement, and says the best thing you can offer is hope.... more

Dave explains EE Series Bonds and the best option of what to do with them.... more

Dave gives his opinion on debt and what bills to pay off.... more

Custodial accounts vs. being awarded as much in scholarships and other assistance.... more

What do you think about the practice of credit card churning?... more

What do you think about the practice of credit card churning? Also, Both of our daughters will start college next year.... more

The Home Affordable Refinance Program is designed for people who have made their payments on time but are underwater on their mortgages.... more

My mother-in-law has a serious credit card problem. Also, I want to get out of my whole life policy. Should I formally close out the old policy, or just stop paying the premiums?... more

I'm looking at buying term life insurance. Currently, I'm in medical school doing my last year of residency and making $35,000 a year. Also, My wife and I were recently involved in an auto accident, and the insurance company doesn't want to cover the damage due to a...... more

Dave explains the role of government assistance, such as being on food stamps. Dave explains the best thing to do in tough financial situations.... more

Dave explains the best way to set up car insurance for your child. Dave explains the best options for your retirement plan.... more

Dave explains the best way to go about money you receive from an on-the-job injury. Dave explains whether or not buying a house is in your best interest when you have a job that requires you to move every few years.... more

My daughter died. She was 32 years old and single, and she had lived with me for the last few years because she was recently disabled. Also, My husband doesn't like dealing with money. For years, I've handled everything from paying the bills to making the decisions, and...... more

My wife and I are 70, and we have $950,000 in annuities in the market, plus $68,000 in our emergency fund. The only debt we have is our mortgage. Also, My wife just had our first child. As a result, we now have $2,500 in medical bills not covered by insurance.... more

I'm trying to help my son and daughter-in-law by encouraging them to get out of debt and live on a budget. Also, I have one bill left from an emergency room visit earlier this year, and I'm trying to settle with a collections agency.... more

We're debt-free except for our house, and that's on a 15-year, fixed-rate mortgage. Also, Do you have any advice for deciding which charities to give money to during the holidays?... more

Our son is graduating from high school next spring. We've saved cash to pay for his first year of college, and we have enough in mutual funds to pay for another semester. Also, If someone is following your plan, and they experience a health crisis, should they stop putting money into their debt snow... more

I make about $70,000 a year, and I have $9,000 in student loan debt. Also, I have $1,000 in credit card debt, a $12,000 car loan and I owe my parents $20,000.... more

Is it a good idea for a married couple in their early thirties, who have a lot of student loan debt, to cash out one of their 401(k)s to pay it off? Also, My wife and I have our fully funded emergency fund in place, and we're debt-free, except for the house.... more

I'm in a very fortunate position when it comes to my finances. I'm 25, and I make $50,000 a year. I'm also completely debt-free. Also, My wife and I want to do a live-in/flip real estate purchase. The idea is to buy a fixer-upper and rent out the basement to help with the mortgage payments.... more

My brother asked me to put his name on my credit card as an authorized user. Also, In terms of a family's financial plan, when is it okay to purchase something like NFL season tickets?... more

Combining Finances, Self Insuring, and Should I Stay or Go to a wedding.... more

I'm a Christian, but my husband is not. However, we still budget a small amount to give to the church. Also, I lost my job a couple of weeks ago, and I'm having a tough time finding part-time work to bridge the gap until another position comes along.... more

There can be three types of nasty items on your credit report. Also, I love that you're going to save up and pay cash for your next car. But the problem with mutual funds is they go up and down in value.... more

There are always the shiny things people can do without. Also, If it were me, I'd make sure to knock out the student loan before buying a house.... more

First, I think your main goal is to study hard and be 100 percent certain you're graduating on time with no money issues. Also, When two people who are married and love each other very much decide it's time to share that love with a family, then it's time.... more

First, your daughter wouldn't be the beneficiary. You would leave it in a trust for her benefit. Also, I don't think that's a problem at all in most situations.... more

I'd hang on to that money and pile up as much other cash as I possibly could. Also, God bless you and your husband. I know this is a really rough time for you both.... more