Dear Dave, I’m on Baby Step 1 of your plan, and I work at a community college that takes a mandatory 20 percent from our pay for retirement. I know you say retirement contributions should… 

Dear Dave, I’m on Baby Step 4 of your plan. I’m debt-free, and I’m currently putting lots of money toward retirement. Now, I want to go back to school and get an MBA. I could… 

Dear Dave, My husband and I are completely debt-free, and we’re saving up for our first house. We currently have about $90,000 in savings, and we’d like to buy a home with cash in the… 

Dear Dave, I’ll be graduating from college with no debt in a couple of weeks, and I have a good job waiting for me in January. During the last few years, I’ve managed to save… 

Dear Dave, I like your plan, and I’m ready to get control of my finances. Should I catch up on past due bills before saving $1,000 for the beginner emergency fund you recommend in Baby…