The fact that you haven’t had to use the insurance is a blessing and a wonderful testament to the way you’ve lived your lives. God bless you both, Ken.

- Dave

Dear Dave,

My wife and I have about $20,000 in credit card bills. We’re very serious about getting out of debt, and we’ve been thinking about selling her wedding ring we bought back in our big spending days. It not the original ring, but it’s made up of diamonds from the original. We’ve been told its worth about $30,000. Should we sell the ring to pay off our debt?

-Everett

Dear Everett,

You need to hang on to that ring. I understand how badly you guys want to get out of debt, but a wedding ring is more than just a piece of jewelry – even if it’s not the exact original.

A wedding ring – whether it cost $30 or $30,000 – is a symbol of love and commitment, hopes and dreams, and the promises you made to each other and God on your wedding day.

You can pay off your debt by delivering pizzas part-time for a year and a half. It’ll be tough, but remember it’s only temporary.

Take any extra, honest work you can find. But don’t ask your wife to give up her wedding ring! She may say okay now, but you’ll both regret it later.

- Dave