Your mom is financially stable, and paying off her mortgage makes sense. With no house payment, she’ll need less income and can enjoy greater peace of mind.... more

Sell the stock and keep your emergency fund liquid. Stability matters more than market risk. Then, resume 401(k) contributions to secure your future.... more

A teen should save three months’ worth of car expenses for emergencies. It builds responsibility and smart financial habits for the future.... more

Follow up confidently but not pushily. Ask for a timeline, show enthusiasm, and treat it like a sales call—demonstrating the skills they seek.... more

Even small payments show effort and build discipline. Prioritize necessities, pay what you can, and stick to a budget—your finances will improve.... more

Colin, don’t risk your retirement for a rental. Save up, buy with cash, and start small to see if being a landlord is truly right for you.... more

Rae, set specific, measurable goals with a deadline, make them your own, write them down, and stay focused. Small steps daily will lead to success!... more

Freddie, open communication is key. Discuss your concerns honestly, listen to her feelings, and consider counseling to find a solution together.... more

Stay focused, Miles! Follow the Baby Steps, stay disciplined, and you’ll achieve financial freedom. You’ve got this—your journey to financial peace starts now!... more

Tackle student loans in Baby Step 2. Live on a strict budget, focus intensely, and use every dollar possible to pay them off quickly!... more

Settle with the collection agency based on your finances. The creditor may not be paid directly. Best advice: stop using credit cards altogether!... more

Keep savings separate to avoid blurring lines with checking. Separate accounts help protect your emergency fund from unnecessary spending.... more

Take responsibility, get 2-3 jobs, live on a strict budget, and repay debts. Prioritize integrity and seek support from a good community or church.... more

Wait to buy a nicer, slightly used car with cash after completing Baby Step 3. Avoid new cars unless your net worth exceeds $1M.... more

Including teens in budget discussions teaches them valuable money skills without overwhelming them. Keep it positive and age-appropriate!... more

Go ahead with your honeymoon! You’re financially stable, and your fiancé’s job prospects are strong. Congrats on your wedding—enjoy!... more

Charles, stop bailing her out. Support her in learning better money habits, but enabling her overspending only worsens the problem.... more

Allison, try budgeting as a team. It’s a powerful tool to reach goals together, and small sacrifices now can lead to exciting possibilities later!... more