Dear Dave: My husband and I just heard of your plan. We are excited to learn more about money, and we have already saved up $1,000 for our beginner emergency fund.

Right now, we have a problem. My father has never taken his finances seriously, and the other day he asked us for $400 to pay his cellphone bill and overdraft fees at his bank. Even as an adult, he would go to his parents regularly before they died asking for money when he always had a good job.

The Dave Ramsey Show is heard by more than 14 million listeners each week on 585 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.

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