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.

Connect with Dave Ramsey


In a strictly mathematical sense, my advice of paying off debt smallest to largest may be wrong, but it’s still the correct advice.
Larger families need to budget because having a lot of children doesn’t give you an excuse to live out of control or mean that living out of control without a plan is the definition of success.
If you have enough money through your pensions, investments and savings, you may be what is known as “self-insured.”
Financially speaking, as parents, we should want our children to grow to be givers, savers and wise, careful spenders.
If you don’t teach your son how to work now, he’ll be living with you when he’s 30 years old and doing exactly what he’s doing now, which is nothing.
I always tell folks never get a home loan where the monthly payment is more than a fourth of your take-home pay. Twenty-five percent of your monthly take-home pay is the absolute most you should have going out ...
You might not want a big pile of cash lying around, but there’s no reason you can’t run the envelope system out of your purse. Use daily cash allowances and expand that to weekly when you’re c...
When it comes to paying off bills or debt, you should always pay what’s owed if you have the money. There’s a moral, as well as legal, responsibility involved.
If the family member has the business acumen and trustworthiness to execute the wishes and directives in a will, then that's perfectly fine.
You should already be running a monthly and annual budget on the church, so separate the necessities per month and multiply that by a three to six month figure.