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DAVE RAMSEY | Aug 20, 2019Dave Ramsey says: Keep life insurance coverage to 10 or 12 times income
You don’t want to buy too much life insurance, but you should have enough to ensure the family is well taken care of after you're gone.
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DAVE RAMSEY | Aug 13, 2019Dave Ramsey says: Micro-investing apps are OK, but don’t build wealth
You can argue all you want that using micro-investing apps these create extra money. Yeah, but not really. The returns are still micro.
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DAVE RAMSEY | Aug 11, 20195 ways to achieve your own version of life balance
We're overworked, overscheduled and overconnected. The good news is, you don’t have to quit your job to find some form of work-life balance.
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DAVE RAMSEY | Aug 6, 2019Dave Ramsey says: Plan for children but stick with emergency fund
If you're planning to have children in the near future, you and your spouse need to budget accordingly and practice living on one income.
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DAVE RAMSEY | Jul 30, 2019Dave Ramsey says: Ditch spending spree, use cash gifts on debt
A husband and wife have different ideas about how to use cash gifts from her parents. She wants to pay down debt, he wants to have fun.
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DAVE RAMSEY | Jul 23, 2019Dave Ramsey says: Wife should tell husband she’s been hiding money
It won’t be easy, but a wife who has been hiding money from her husband to grow their savings should tell him what she's been doing.
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DAVE RAMSEY | Jul 21, 2019Dave Ramsey says: Put plan to get out of debt on paper for motivation
Goals and dreams always have a better chance of coming true if you have a written game plan. Put your budget down on paper. You may have to give up a few things for a while, but you'll get out of debt.
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DAVE RAMSEY | Jul 16, 2019Dave Ramsey says: Help friend by saying no more cash handouts
Tell your tell your cash-poor friend the truth: You’re trying to get out of debt and you simply don’t have cash to continually spare for him.
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DAVE RAMSEY | Jul 9, 2019Dave Ramsey says: Short halt to 401(k) contribution could help debt goal
If you stop saving temporarily for your 401(k) - and wipe out all your consumer debt - you’ll gain a tremendous amount of financial power.
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DAVE RAMSEY | Jul 7, 2019Dave Ramsey says: 40s is too soon to buy long-term care insurance
Many factors, such as your current health and family history, could play into your decision of exactly when to buy long-term care insurance. But at 46, you don't need it yet.
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DAVE RAMSEY | Jul 2, 2019Dave Ramsey says: Umbrella insurance will ease mind
You can buy an additional $1 million in liability insurance for your home and car for around $250 a year.
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DAVE RAMSEY | Jun 25, 2019Dave Ramsey says: Ignore planners’ advice not to save for college
A financial planner suggesting clients not open college savings accounts for their children to ensure other forms of aid is giving bad advice.
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DAVE RAMSEY | Jun 23, 2019Dave Ramsey says: Give baby supplies to struggling mom instead of cash
A generous couple helping a struggling single mom wants to make sure the money they give her goes to help the child. Supplying her with goods instead of cash guarantees that.
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DAVE RAMSEY | Jun 18, 2019Dave Ramsey says: Leave day trading to others, don’t touch emergency fund
Buying and selling single stocks is an ultra-high-risk proposition. Raiding your emergency fund to pay for a day trading class isn't a good idea.
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DAVE RAMSEY | Jun 11, 2019Dave Ramsey says: A 15-year mortgage is the smartest way to go
Unless you feel like handing the bank piles of cash every month for 30 years, go with a 15-year mortgage. That's a good way to win with money.
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DAVE RAMSEY | Jun 4, 2019Dave Ramsey says: Collectibles are not part of investment strategy
Investing in collectibles like vintage watches or expensive wine is OK, but consider it a hobby and not part of your invesment strategy.
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DAVE RAMSEY | May 28, 2019Dave Ramsey says: Married couples should combine finances
If you want a quality marriage and a high probably of building wealth, couples should combine their finances.
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DAVE RAMSEY | May 21, 2019Dave Ramsey says: Being a long-distance landlord is not for everyone
A debt-free military couple is a good position, financially, to jump back into the game as long-distance landlords.
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DAVE RAMSEY | May 14, 2019Dave Ramsey says: Listen to wife, set up emergency fund for retirement
A good pension can feel pretty solid, but nothing’s perfect, so set up an emergency fund of six months to retire in peace.
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DAVE RAMSEY | May 7, 2019Dave Ramsey says: Get certified as buyer before starting house search
The only thing better than being preapproved to buy a home is getting certified, Dave Ramsey says.
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DAVE RAMSEY | May 5, 2019Dave Ramsey says: Paying extra on car loan principal is fast way out of debt
Make sure you keep an accurate, written record of the monthly and overall amounts you’re designating as “principal only” when you're paying down a loan.
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DAVE RAMSEY | Apr 30, 2019Dave Ramsey says: Emergency fund for business can be a game-changer
The idea of a small business having six months of expenses set aside in an emergency fund is a terrific one, Dave Ramsey says.
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DAVE RAMSEY | Apr 28, 2019Dave Ramsey says: Getting rid of credit cards is great way to overcome debt
Personal finance is almost all about behavior. That's why getting rid of credit cards — and credit card debt — puts you on the right path to better money management.
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DAVE RAMSEY | Apr 23, 2019Dave Ramsey says: Budget-billing for utilities is smart planning
Budget-billing can make things so much easier when it comes to paying utilities. It's really helpful when you’re first starting to live on a budget.