Dave Ramsey
Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers "The Total Money Makeover," "Financial Peace Revisited" and "More Than Enough." In them, Ramsey exemplifies his life's work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. For more financial help, please visit daveramsey.com.

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Having more money in your hands isn’t the big answer here. What you both need is a behavior change when it comes to money. My advice is to leave the 529 alone.
You don’t use life insurance to leave an estate. It’s a bad idea. You leave an estate by saving and investing.
The problem is that the Silicon Valley area is one of the most expensive places to live in the entire country. Still, if it weren’t for the cost of living argument, it would be a no-brainer for me.
If you have to surrender the joy in life to build extra wealth or build at a different pace — well, to me that’s just wrong.
Your housing payment should not exceed 25 percent of your monthly take-home pay on a 15-year, fixed-rate mortgage.
As your money situation improves, you’ll be able to buy more new things. The price of “new” will become a smaller percentage of your financial world.
If you put your money into a Roth 401(k), and by retirement age there’s $1 million in there, that money is yours tax-free. By comparison, if it’s in a regular 401(k), you’ll pay taxes on that ...
Your new company, if you move it there, will have limited choices for your 401(k). Just roll your money into a traditional IRA. It’s called a direct transfer IRA, and that way there will be no taxes on it...
I always said if you love your money more than you love your spouse, then you’re too immature and selfish to be married. However, I’ve changed my tune on this subject a little bit recently.
Having kids won’t break your bank like lots of people say. You’ve got extra expenses such as diapers and baby stuff the first few years, but it’s not going to drive you to the poor house.