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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I think there’s less than a 1 percent chance they’d seize the actual assets.

If you honestly feel like you deserve a raise because of your effort and performance, that’s fine. But don’t bring up your co-worker and what he or she makes in the discussion.
Putting a freeze on your credit report only provides partial protection against identity theft. I’d also recommend having a good identity theft protection program in place.
No one is getting out of this thing alive. You need a will, a full estate plan with specific instructions on what to do with all your stuff after you die.
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.