In response to:

Dave Says Give Wisely at the Holidays

MoreFreedom Wrote: Dec 18, 2012 11:30 AM
You can try or google "charity reviews". When I first looked at this article title, I thought it said "Give Whisky at the Holidays". Then I drank some coffee.

Dear Dave,

We’re debt-free except for our house, and that’s on a 15-year, fixed-rate mortgage. We also have an emergency fund in place. We’d like to give back this year, and do some Secret Santa things and a little extra giving. At what point should we start giving over and above what we tithe?


Dear Jeremy,

My advice would be to wait until you finish Baby Step 3, which it sounds like you’ve done. That way, you’ve paid off all of your debt, except the house, plus you have a fully-funded emergency fund of three to six months of...