Dave Ramsey's Townhall.com Column

Dave Says Listen and Lessen your Need for Life Insurance

2012-05-15T00:01:00-04:00

Dave Ramsey Column
The further along in life you get, assuming you do the stuff I teach, the less need you’ll have for life insurance!

Dave Says Get Intentional with your Money

2012-05-08T00:01:00-04:00

Dave Ramsey Column
When I made the decision to get intentional with my money, I just used cash. It’s hard to spend it when you don’t have any on you.

On Business Dave Says Leaders are Made

2012-05-03T00:01:00-04:00

Dave Ramsey Column
I don’t believe anyone is born a leader. I’ve watched all three of my kids being born, and not once did the doctor say, “Congratulations, Dave! You have a little eight-pound, six-ounce leader!”

Dave Says Baby Step 3 the Key

2012-05-02T00:01:00-04:00

Dave Ramsey Column
If there’s a letdown it could come from the feeling that once you’re out of debt except for your house, things should kick into overdrive and you’ll become instantaneously wealthy.

Dave Says Do What You Need to Take Care of Kids

2012-04-25T00:01:00-04:00

Dave Ramsey Column
Our state has a program that covers children’s healthcare in these kinds of situations. Would it be okay to accept this for my kids until I find another job and things get better?

Dave Says God Didn't Make Marriage a Business Venture

2012-04-18T00:01:00-04:00

Dave Ramsey Column
In a marriage, those decisions should be made together with input from both the husband and wife. Remember, God didn’t unite some kind of joint business venture.

Dave Says Don't Let Money and Children Yank Your Chain

2012-04-11T00:01:00-04:00

Dave Ramsey Column
You’ve got two of these yanking your chain right now - money and children.

Dave Says On Business Fire that Accountant

2012-04-09T00:01:00-04:00

Dave Ramsey Column
I think I’ve got two words for your accountant – you’re fired!

Dave Says Move It

2012-04-04T00:01:00-04:00

Dave Ramsey Column
Why don’t you just sell the house and move closer to where he works? If he makes that kind of money and you’ve got your emergency fund in place, you should be able to handle moving costs.

Dave Says You're Looking for Trouble

2012-03-28T00:01:00-04:00

Dave Ramsey Column
Life never works out exactly the way you think it will. You can make all the well-reasoned and best-intentioned plans you want, but sooner or later that snake is going to bite you.

Dave Says Teach Your Children Well

2012-03-21T00:01:00-04:00

Dave Ramsey Column
When you hand them car keys there’s no way to put a block on how they drive. And when they turn 21, there’s no way to put a block on what they ingest.

Dave Says: Here's the Reason I'm on the Planet

2012-03-13T00:01:00-04:00

Dave Ramsey Column
I believe this kind of revelation starts out as a simple idea that gradually grows into a job and then into a career. Then, it evolves over time into a calling.

Dave Says Move!

2012-03-07T00:01:00-05:00

Dave Ramsey Column
If you’re valuable enough, and they like you enough to want you on their team, then I’d use that as a negotiating point before accepting the position.

Dave Says on Business: Company Owes you Nothing

2012-03-02T00:01:00-05:00

Dave Ramsey Column
The other day I heard some guys complaining about their jobs and saying that their company “owed” them all kinds of perks. Being a small-business owner, what is your stance on this?

Dave Says Don't Lose the Hog, Lose the Debt

2012-02-29T00:01:00-05:00

Dave Ramsey Column
If you force him to give up the motorcycle, will it damage the marriage and the progress he’s made toward getting out of debt and learning how to handle money?

Dave Says Three Houses Might Not be Just Right

2012-02-22T00:01:00-05:00

Dave Ramsey Column
Three houses? Do you buy a new house every time you move? You guys need to stop doing that.

Dave Says Don't Get Married to Debt Yet

2012-02-14T00:01:00-05:00

Dave Ramsey Column
Someone who isn’t making any headway in getting out of debt while they’re single probably isn’t going to do a complete turnaround just because they get married.

Dave Says "Same as Cash," Same as Dumb

2012-02-08T00:01:00-05:00

Dave Ramsey Column
These same-as-cash contracts are a bear trap. They’re designed to mess you over big time. You can try to dispute it, but I’ve got a feeling you’ll lose and have to pay about $1,200 in stupid tax on this one.

On Business, Dave Says Don't Go All In

2012-02-02T00:01:00-05:00

Dave Ramsey Column
Everyone wants to live their dream, but you never want that dream to become a nightmare. One definition of a nightmare in business is “going all in.”

Dave Says Insurance, Insurance

2012-02-01T00:01:00-05:00

Dave Ramsey Column
It’s also important to have auto, which you do, and homeowner’s insurance, too. If you don’t own a home, make sure you have renter’s insurance instead. Don’t forget about life insurance, either.