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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?

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?
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