Dear Dave, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recommend paying off… 

Dear Dave, I’m just starting my debt-free journey and trying to lay out a budget. What are your thoughts on budget billing for utilities? Ryan Dear Ryan, I think it’s wonderful! There’s absolutely nothing wrong… 

Dear Dave, As a business owner, how do you find a life balance between work and home? I have my own small business, and sometimes I feel like I’m putting in too much time at… 

Travel expenses? Dear Dave, I’m an admissions counselor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I’m trying to get out of debt, but… 

Dear Dave, I’m getting married this summer and about become a stepfather, but my fiancee’s daughter from a previous marriage seems very irresponsible. She’s 20 and lives at home, has trouble holding a job, and…