Money Questions

Banking

• Should I use a debit card or credit card?

Debt

• What is the debt snowball?
• Why should I pay off my smallest debt first?
• Should I stop investing while I pay off debt?
• Does debt consolidation work?
• What do I do when I’m upside down on my vehicle?
• How do I handle my creditors?

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Budgeting

• Why does Dave recommend a zero-based budget?
• What are some tips for sticking to a budget?

Saving

• What is an emergency fund?
• How do I find scholarships and grants?

Retirement

• Why does Dave recommend investing 15% for retirement?
• Why should I wait to start investing while I pay off debt?

Insurance

• Why does Dave recommend term life insurance instead of whole life insurance?
• How much life insurance should I have?

Relationships and Money

• Should my spouse and I have separate checking accounts?
• What are some tips to get my spouse to create a budget with me?
• My spouse and I argue about our money. Is it wrong for me to tell my spouse what Dave Ramsey says about every single thing?