Dave Ramsey

Sometimes, a person needs to learn the benefits of budgeting and handling money in a mature, responsible way.

A simple savings or money market account is a good place to stashing the money you’re saving for a newer car, as opposed to investing in mutual funds.

When it comes to dealing with debt collectors, keep track of all the calls and emails. If you don’t know your rights, they can scare you by using bogus threats.

If you've got a nice chunk of money designated as nonretirement funds, go ahead and cash it out. Use the money to pay down debt.

Christmas will be here before you know it, so if you don’t have anything put aside yet, set some spending goals on your shopping now.

Pay off your car loan if you've got the savings to pull it off. With the money you’d free up, you could rebuild your savings in no time.

The point of not letting your housing cost eat up more than 25% of your take home pay is to make sure you have money left over for other important things.

An education that is usable is more valuable to a graduate student at this stage of the game than investing, Dave Ramsey advises.

If there are mandatory withdrawals for a Roth IRA, take the required minimum distribution and move that amount to other investments.

Don’t try to justify buying an expensive, new piece of equipment when it’s just not necessary. Be smart and repair the old one instead.