Archive of Dave Says - Weekly Financial Blog

• It’s Still a Mountain of Debt
  Even profitable properties carry risk—pay off your home, then attack commercial debt with a clear plan to become fully debt-free.... more
• Don’t Jeopardize Your Journey to Freedom
  Stick to Baby Step 2 with full intensity—finish the debt and fund your emergency savings first. Discipline now brings freedom faster.... more
• Be a Blessing to Her
  If you can afford it, paying off her loans can bless and encourage her fresh start—celebrate her growth without putting your own finances at risk.... more
• The Healing Process Will Take Time
  Pause now, protect your savings, focus on healing and your kids, then invest thoughtfully with a trusted advisor when emotions settle.... more
• Learning to Forgive Yourself
  One budgeting mistake doesn’t erase months of progress—learn from it, forgive yourself, and refocus on your long-term financial goals.... more
• Broke People Can’t Help Broke People
  Generosity is admirable, but couples must first stabilize their own finances, align on giving, and work together to reduce debt and stress.... more
• Talked About, Dealt With, Agreed Upon
  Pre-marital counseling prepares couples for lasting marriage by aligning expectations on money, kids, faith, and family before the wedding.... more
• Lack of Knowledge, Immaturity or Worse?
  Financial alignment matters in marriage; talk openly, watch for real change, and be sure shared values and habits match before proposing.... more
• Make Sure the Degree is Practical and Marketable
  Pausing retirement investing to support education can be a smart move if you budget wisely, stay united, and view schooling as a long-term investment.... more
• Nothing Can Make You Happier…Or Scare You More
  When life brings big changes, pause the plan, build a cash cushion, and protect your family first—then return to your financial goals.... more
• We Don’t Send 3-Year-Olds to the Salt Mines
  Teaching kids to work, earn, and manage money builds responsibility, discipline, and confidence they’ll carry into adulthood.... more
• Learning to Delay Gratification is Part of Maturing Emotionally
  Delaying gratification isn’t easy, but choosing long-term growth over short-term comfort builds discipline, clarity, and lasting success.... more
• How to Avoid a Financial Holiday Hangover
  Start a Christmas sinking fund now, so next year’s holiday season is paid for before it begins... more