Dear Dave, My employer offers an employee stock purchase plan at a 15 percent discount. I’m usually the kind of guy who buys stocks and holds on to them forever. But when it comes to an opportunity like this, should I buy it and wait for a year to sell it, or should I buy…
It’s Not a Joint Venture, It’s a Marriage
Dear Dave, When my wife and I got married, she had about $70,000 in savings and I had a lot of debt. We bought some property from her parents to build a home on, and she made a 20 percent down payment on the land from her savings. We’ve paid off some debt, and she…
Roll With It
Dear Dave, The other day, my wife and I discovered a Thrift Savings Plan (TSP) we’d forgotten about for over 10 years from my time in the Army. There’s a little over $3,200 in there. We’re both in our 30s, and we’re trying to save up our starter emergency fund in Baby Step 1 of…
It’s Not as Difficult as You Think
Dear Dave, I’m single, and I make $35,000 a year. Next year, my salary and bonuses should be around $50,000. I have a little over $30,000 in debt right now, including student loans, and I’m not sure how I’ll be able to keep up with bills and everything else right now if I have to…
A Travel Agent for Guilt Trips
Dear Dave, My dad and his wife asked my husband and me for $55,000. They want the money so they can pay off their debt. We’re debt-free and have a net worth of between $2 million to $3 million, but we’re also retired. We don’t keep that much in the bank, so we’d have to…
How to Fight Inflation Through Year’s End
Inflation. It’s a constant news headline, the joke of every meme, and the word we curse under our breath every time we have to put the fancy bacon back on the shelf and grab the generic turkey bacon instead. Whether we want to admit it or not, inflation is here, and it’s sticking around, folks….
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