You Need Something that Matters

Dear Dave, My wife and I are in our twenties. We have no debt and $50,000 in the bank. Our income is $90,000 a year, and we’re cautious to live on less than we make. Still, we can’t seem to get motivated to make a budget. How can we get inspired ...

The Language of Money

Are we speaking the same language? That’s what I was thinking after a recent budgeting discussion I had with a military spouse. I was trying to provide some spending guidance, but our conversation was hitting a stumbling block. We were talking ...

Dave Says: Paying the Right Amount for a House

Q: I know you recommend that no more than 25 percent of your take-home pay should go toward rent or a mortgage payment. Should taxes and insurance be figured into this amount? A: Yes, they should. Mortgage companies will qualify you for twice as ...

Discussing a Million Dollar Plan

While some millionaires were born, and others have quick-picked their way to riches, many more have started with less and worked their way to seven-figure status. Effective money-saving habits can help boost your wealth little by little, year ...

Can’t Afford Student Loans

Q: I have a lot of student loan debt, and I can’t afford the payments right now. Should I send them what I can, even if it’s not the minimum payment, or should I not send anything at all? A: They’re not going to stop bothering you no matter ...

Government Shutdown: The Military

President Obama is keeping our military going through a government shutdown, but not DOD civilians. President Obama, seeing the government shutdown handwriting on the wall, prepared a video statement to the military that was released early ...