Free Republic 2nd Quarter Fundraising Target: $88,000 Receipts & Pledges to-date: $84,600
Woo hoo!! And now over 96%!! Less than $3.4k to go!! We can do this. Thank you all very much! God bless.

Keyword: daveramsey

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  • New Labor Department rule could kick Jim Cramer, Dave Ramsey, Suze Orman off the air

    03/05/2016 4:33:44 PM PST · by SeekAndFind · 21 replies
    Hotair ^ | 03/05/2016 | Taylor Millard
    A new government regulation could end up causing serious damage to freedom of speech and freedom of the press. The Labor Department is finalizing a new fiduciary rule which the government claims will save the middle class billions of dollars by requiring the the firm and adviser to provide advice “in the client’s best interest.” Via the Labor Department’s website: *Commits the firm and adviser to providing advice in the client’s best interest. Committing to a best interest standard requires the adviser and the company to act with the care, skill, prudence, and diligence that a prudent person would...
  • Dave Says: God Is Whispering to You

    04/28/2015 3:32:12 PM PDT · by Kaslin · 16 replies ^ | April 28, 2015 | Dave Ramsey
    Dave Says: God Is Whispering to You Dear Dave, I was recently notified that I am one of the beneficiaries of a class action lawsuit against a previous employer. The amount I can receive is just $200, but I don’t feel like this past employer wronged me in any way. Everyone around me is urging me to take the money, but I feel kind of weird about accepting anything under the circumstances. What do you think I should do? Randy Dear Randy, I don’t know all the details of the episode you’re talking about, or what happened with this particular...
  • Dave Says: Forget the Kids College Fund; Save for Retirement First

    04/23/2014 2:28:15 PM PDT · by Kaslin · 9 replies ^ | April 23, 2014 | Dave Ramsey
    I noticed that your Baby Steps list puts saving for retirement before saving for your kids college fund. Sending your kids to college would come first on the timeline, so what is your reasoning behind this?Jen Dear Jen, I advise this approach because everyone is going to retire someday, unless, of course, they happen to die before reaching retirement age. Retiring and eating are necessities. College is a luxury. Lots of people succeed in life without going to college, and thousands have worked their way through college. I worked 40 to 60 hours a week in college, and I still...
  • Is Success about luck or hard work (Dave Ramsey Video)

    03/18/2014 9:07:56 AM PDT · by CSM · 36 replies
    Youtube link ^ | August 30, 2013 | Dave Ramsey
    I'm posting a youtube link for my fellow Dave Ramsey fans. I think you might find it interesting.
  • Dave Ramsey Destroys Obamacare

    10/14/2013 10:00:25 AM PDT · by fwdude · 65 replies ^ | 14 October 2013 | Dave Ramsey
    Dave Ramsey has been speaking financial sense to millions of people for years. He has taught Americans that credit is not the beautiful thing that banks and credit card companies have tried to make it out to be. He has taught Americans that spending more than you make is never a good idea. He has taught Americans that now is always the right time to fix your spending habits and get your financial house in order. A few days ago, Mr. Ramsey decided to share his wisdom with people of all political affiliations on how the Obamacare legislation would affect...
  • The Pension You Never Owned

    07/23/2013 7:12:27 AM PDT · by Kaslin · 8 replies ^ | July 23, 2013 | Dave Ramsey
    Dear Dave, My grandfather died about a month ago, and I recently learned that in his will he distributed his money unevenly between his children and grandchildren. I received significantly more than other members of the family, but I make $140,000 a year. I’d like to give them some of my inheritance to even things out. How would you approach this? Kate Dear Kate, You’re obviously unselfish and have a really good heart. But honestly, it was your grandfather’s decision and his money to do with as he pleased. It wouldn’t be wrong or greedy to simply keep what you...
  • Dave Says Your Father is a Manipulator

    07/24/2013 9:47:17 AM PDT · by Altariel · 14 replies ^ | July 16, 2013 | Dave Ramsey
    Dear Dave, My parents have always had financial problems, and they recently lost their home. They have a place to live, but since that time my father has been asking me for money. He calls me over to talk about this when my mother isnt there and my husband isnt home. Hes even asked for half of a $150,000 inheritance I received from my grandparents. Hes really making me feel guilty, and Im not sure what to do. Elena Dear Elena, Your brain knows what to do, but your heart is having a hard time doing it. Your father is...
  • Dave Says Sunts Don't Build Marriage [sic]

    07/24/2013 9:41:38 AM PDT · by Altariel · 18 replies ^ | July 9, 2013 | Dave ramsey
    Dear Dave, My husband and I have been following your plan, and were debt-free. Recently he invited his sister, her husband and their two kids to live with us. His brother-in-law recently lost his job, and he did this without talking to me first. I agreed after the fact, but do you think we need a roommate agreement or some kind of understanding while they stay with us? They have about $70,000 in debt, and they havent been very responsible with their money. Amanda Dear Amanda, Ive got to tell you theres zero chance that my wife or I would...
  • Dave Says Let Him Fire Himself

    07/24/2013 9:35:45 AM PDT · by Altariel · 12 replies ^ | July 2, 2013 | Dave Ramsey
    Dear Dave, Is it okay to pay two employees who do the same jobs different salaries? Eric Dear Eric, Sure, its okay. Fair isnt always equal, and equal isnt always fair. There are no two people on earth who do the same, exact jobs with the same, exact levels of competency and precision. Heres a more detailed example. Lets say I had two personal assistants within my organization. Both of them worked as assistants to vice presidents, but one has been on my team for 10 years and is the assistant to someone whose department is very large and profitable....
  • Dave Says Pay the Lady

    07/24/2013 9:28:03 AM PDT · by Altariel · 18 replies ^ | June 11, 2013 | Dave Ramsey
    Dear Dave, I borrowed $30,000 from my aunt to buy a condo eight years ago. We had a deal that she would get her money back, plus a piece of the profits, when it sold. If there were no profits, she would get back her original $30,000. Recently the condo sold and I lost the money I put into it, plus my aunts money as well. I make good money and dont have any other debt, but Im a little resentful now that she wants me to pay her back. Do you have any suggestions? Christine Dear Christine, I dont...
  • Dave Says You Don't Need Babysitter for Your Money

    06/18/2013 10:43:00 AM PDT · by Kaslin · 1 replies ^ | June 18, 2013 | Dave Ramsey
    Dear Dave, My son has a $115,000 mortgage at 5.8 percent. He also has a home equity line of credit of $40,000 at 9 percent. Currently, he can get a 30-year loan at 3.5 percent, or a 15-year note at 2.75 percent. His take-home pay is between $70,000 and $80,000 a year, and these are his only debts. Should he combine the mortgages into one loan? Daniel Dear Daniel, First, I only recommend mortgages of 15 years or less. Now were looking at a 2.75 percent loan versus a 5.8 percent loan versus a 9 percent loan. I advise people...
  • Dave Says Say No to Mom

    05/22/2013 12:02:02 PM PDT · by Kaslin · 29 replies ^ | May 22, 2013 | Dave Ramsey
    Dear Dave, I live outside Houston with my wife and our 9-month-old daughter. I’ve received a job offer from a company on the other side of the city that would pay, with bonuses, $25,000 a year more than I’m currently making. This would require moving to a new house and away from our extended family. My wife wants to move because my mom can be a little overbearing. I understand how she feels, but I’m not certain I want to move or take a new job. What’s your advice? David Dear David, I’m not so sure this is a job...
  • Dave Says World Needs Stay at Home Moms

    06/05/2013 4:39:26 AM PDT · by Kaslin · 41 replies ^ | June 5, 2013 | Dave Ramsey
    I listen to you often and enjoy your radio show, but why dont you ever ask women to go to work? When a family is broke, and the woman is at home raising one child who is already in the fifth grade, why cant the wife get a second job? George Dear George, I think far too many ladies, in the name of paying for stuff they dont need, have left the household and the children for the workplace. Many of them didnt even want to do this; they just felt obligated to do it by people like you. There...
  • Dave Says Here Are the Necessities

    05/07/2013 1:48:10 PM PDT · by Kaslin · 9 replies ^ | May 7, 2013 | Dave Ramsey
    Dear Dave, Can you please define “necessities” in today’s world while trying to get out of debt and live on a budget? Matthew Dear Matthew, Whether you’re talking about the world today or 50 years ago, necessities haven’t changed. Necessities are still food, shelter, clothing, transportation and utilities. We’re talking about needs versus wants. The problem is that many people were never taught that there’s a difference between the two—a big difference. Most people have enough food to eat and a decent place to live. Those are necessities. I’m not talking about eating out or having a big, fancy house....
  • Dave Says: Work For the Extra Perks of College

    05/15/2013 9:36:40 AM PDT · by Kaslin · 28 replies ^ | May 15, 2013 | Dave Ramsey
    Dear Dave, I’m a stay-at-home mom now, and my husband brings home $2,600 a month. We’re trying to get out of debt, but we need more money coming in. I want to go back to work, but emotionally part of me feels like I should stay home with our 2-year-old daughter. What do you think? Kayla Dear Kayla, I understand the feelings involved, especially if you’ve spent all of your time home with your child. But don’t make the mistake of blaming the debt if you simply want to go back to work. You’re not a bad person if you...
  • Dave Says it Depends on the Kid

    04/30/2013 9:05:48 AM PDT · by Altariel · 17 replies ^ | April 26, 2013 | Dave Ramsey
    Dear Dave, My divorce will be final in a month, and I’ll have $100,000 when everything is over. I will also have $8,000 in credit card debt, and I’m currently unemployed. Do you have any suggestions to help me move forward? Meryl      Dear Meryl, The first thing I want you to do is raise your right hand and promise never to use credit cardsagain. Then, if you still have any of those awful things, I want you to cut them up and close out the accounts. The next step is for you to find some kind of income, whether it’s...
  • Dave Says She Stole His Identity

    04/30/2013 6:51:42 AM PDT · by Kaslin · 5 replies ^ | April 20, 2013 | Dave Ramsey
    Dear Dave, I’m following your plan, and currently I have $14,000 in my emergency fund. What are essentials for three to six months of expenses? Brian Dear Brian, Basically, you should ask yourself this question: What would it take to operate my household for a month? There are several different things that could be classified as “essentials,” but if you take those things and multiply the number by three, four, five or six, you’ll see how much money you need to have a fully loaded emergency fundof three to six months of expenses. This is Baby Step 3 in my...
  • Dave Says Serious Situations Call for Serious Action

    04/18/2013 9:45:28 AM PDT · by Altariel · 5 replies ^ | April 17, 2013 | Dave Ramsey
    Dear Dave, Ive been on medical leave from my job due to an injury. My doctor recently advised extending the leave another six months, but during this time I wouldnt be paid. My husband makes $75,000 a year, and we owe $40,000 on our cars. This includes a $30,000 note on one of them. Should we take money out of our 401(k) to make it through the additional time off? Crystal Dear Crystal, Absolutely not! You guys have dug a hole for yourselves, and borrowing from one place to fix another will only make that hole deeper. In cases like...
  • Dave Says Go Cheap on Date Night

    04/16/2013 8:48:10 AM PDT · by Altariel · 17 replies ^ | April 9, 2013 | Dave Ramsey
    Dear Dave, Is there ever a time you should dip into emergency fund savings in order to pay off your home early? Eric Dear Eric, The only time I would advise this is when your emergency fund is too big, and you have a very small amount left to pay on the house. Keep in mind that your emergency fund should be three to six months of expenses, not three to six months of income. Besides, paying off the house doesnt fall into the category of an emergency. The fact that you have to pay for your house doesnt catch...
  • Dave Says Credit Companies Don't Forgive Debt

    04/03/2013 8:19:06 AM PDT · by Altariel · 12 replies ^ | April 2, 2013 | Dave Ramsey
    Dear Dave, My younger sister moved to Atlanta, and she came to live with my husband and me a few months ago. Shes 19, has a job, and is attending a local college. But even though shes working, she hasnt said anything about helping out with utilities or paying rent. We dont need the money, but do you think its time for us to push her out of the nest so she can start living as an adult? Molly Dear Molly, The way youve described your little sister makes me think shes a pretty good kid. Shes doing all the...