Q. I just discovered you and your teachings a couple of weeks ago. I’m already on Baby Step 2, and I was wondering if I should buy life insurance now or wait until I’ve finished paying off debt. I’m ...

On Tuesday, a caller to The Ramsey Show sparked debate after family members urged him to put savings toward his mortgage instead of debt, prompting Dave Ramsey to deliver one of his trademark blunt ...

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links. Breaking out of the debt cycle isn’t ...

Dear Dave: My husband and I are on Baby Step 2, and we’ve paid off about $30,000 in consumer debt since March. We were wondering if we should refinance our mortgage. Our current rate is 4.875%, with ...

Dear Dave: I recently experienced a medical emergency and unexpected hospital stay. I’m about halfway through Baby Step 2, and I’m paying off my debts using the debt snowball system. I have good ...