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Dear Dave: My wife and I made a resolution this year to pay off $20,000 in credit card debt we’ve accumulated. I want us to follow your plan, and live on a really tight budget. She wants us to use a debt consolidation company, like some of her friends have done. I’m really against her idea, …

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Dear Dave: My wife and I will both turn 30 next month. We have two young children, and we make a little over $85,000 combined. The problem is we have about $70,000 in debt. Some of it is credit card debt, but nearly $50,000 is in two car loans. Her mom and dad have offered to let us move in …

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Dear Dave: My wife and I have our budget ready for next month, and we’ll be following your plan in 2020 to pay off debt and get our finances in order. Do you have any tips for setting and sticking to goals in general? — Rick

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Dear Dave: I’m getting married next summer. My fiancé and I are in agreement about how to handle money, and we both follow your plan. Do you recommend pre-marital counseling? If so, what do you feel are some of the important areas of agreement for couples before they get married? — Allison

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Dear Dave: I’ve recently begun living on a budget, and I’ve got $1,000 saved. At the moment, I have $150 left over each month after everything is account for in my budget. I also have three debts totaling about $12,000. Should I use this extra cash to pay off debt, or would it be a better id…

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Dear Dave: I’ve never heard you talk about store layaway programs. With Christmas coming, I wanted to ask your opinion of using layaway for buying gifts. — Meg

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Dear Dave: My wife and I are following your plan, and recently we found some old savings bonds that had been given to her by her grandfather when she was a kid. Do you think we should go ahead and cash these in before they reach their final maturity date in a few months? — John

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Dear Dave: I’m 23, debt-free, and I’ve almost got my fully-funded emergency fund in place. I was curious about your thoughts on saving up money to buy a duplex, living on one side, and renting out the other. It would be my first home purchase, and my first rental property. — Derrick

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Dear Dave: My husband will be finishing physician assistant school in December, just a few days before our first baby is due. We’ve got about $70,000 in student loan debt, and we’re trying to get everything paid off. Both our cell phones are pretty old, and I’d like to get a new one that cos…

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