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How to Decide if Mom Should Go Back to Work

Dear Dave,I'm a stay-at-home mom now, and my husband brings home $2,600 a month. We're trying to get out of debt, but we need more money coming in. I want to go back to work, but emotionally part of me feels like I should stay home with our 2-year-old daughter. What do you think?-KaylaDear Kayla,I understand the feelings involved, especially if you've spent all of your time home with your child. But don't make the mistake of blaming the debt if you simply want to go back to work. You're not a bad person if you have kids and you work outside the home.I have several ladies on my team who have young children, and they work 40 hours a week. Guess what? They're excellent mothers! Anyone who says a woman can't be a great mom because she works outside the home is full of crap. On the other hand, if anyone says you're not fulfilling yourself as a person or you're stunting your intellectual development because you're a stay-at-home mom, they're full of it too!I'd advise you and your husband to ...

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  1. My Student Loan Story: How I Paid it Off in a Year

    Today I pulled out a file in my cabinet that's been gathering dust since 2007: STUDENT LOAN. In 2007, I paid that sucker off, and I haven't looked back since. Well, ...

  2. When to Push Adult Children Out of the Financial Nest Egg

    Dear Dave,My younger sister moved to Atlanta, and she came to live with my husband and me a few months ago. She's 19, has a job, and is attending a local college. Bu...

  3. How to Pass Along Money Skills to Teenagers

    Dear Dave,My daughter is 14, and she was recently offered a steady weekend modeling job. Do you have any advice on how to handle the money she earns?CynthiaDear Cynt...

  4. Are Warehouse Clubs a Good Bargain?

    Dear Dave,I want to buy an inexpensive car, and I was wondering what you think about salvage titles.EricDear Eric,It's not impossible to find a decent salvage car. B...

  5. Retirement Jumpstart: How to Get Parents Motivated for Golden Years

    Dear Dave,My parents are close to retirement and very heavily leveraged. Do you have any advice on how I can help motivate them to succeed financially?-JackDear Jack...

  6. Eight Smart Financial Moves for College Seniors

    Every summer, hordes of freshly minted college graduates are released into the real world. Many, however, will be woefully unprepared for the credit and money demand...

  7. Good Debt vs. Bad Debt: How to Prioritize

    Dear Dave,My wife and I make $140,000 a year, and we're working on our debt snowball. We're almost out of debt, but we still have two small car payments and some cre...

  8. What Homeowners Need to Know About HARP

    Dear Dave,What do you think about the HARP program, and what exactly is it?-IvyDear Ivy,The Home Affordable Refinance Program is designed for people who have made th...

  9. Ramsey: You Can’t Afford Not to Be Investing Long Term

    Radio host Dave Ramsey on the need for increased retirement funding.

  10. How to Save for College Without Hurting Your Children's Aid Opportunities

    Dear Dave,What do you think about the practice of credit card churning?-EthanDear Ethan,I think it's a pretty dumb idea. The concept is to run up the balance on one ...

  11. How to Help a Family Member with a Spending Problem

    Dear Dave,My mother-in-law has a serious credit card problem. She can't afford stuff, but she shops anyway, acquires more and more credit and thinks she'll pay for i...

  12. How Much Life Insurance Do I Need?

    Dear Dave,I'm looking at buying term life insurance. Currently, I'm in medical school doing my last year of residency and making $35,000 a year. Should I base the am...

  1. Want vs. Need: How to Tell the Difference to Save Your Budget

    Dear Dave,Can you please define "necessities" in today's world while trying to get out of debt and live on a budget?-Matthew  Dear Matthew,Whether you're talking abo...

  2. What's Your Savings Number?

    Dear Dave,I'm following your plan, and currently I have $14,000 in my emergency fund. What are essentials for three to six months of expenses?-BrianDear Brian,Basica...

  3. How to Move on Financially After Divorce

    Dear Dave,My divorce will be final in a month, and I'll have $100,000 when everything is over. I will also have $8,000 in credit card debt, and I'm currently unemplo...

  4. Six Crucial Credit Questions You Should Know Answers to

    If you hardly glance at your account statements, remember just in the nick of time to send off minimum payments and can't truly say you have a firm grasp on your fut...

  5. Why I Plan on Driving my Car Into the Ground

    Over the weekend, a friend and I were enjoying a couple of beers in my neighborhood. As we sat outside people watching, he drooled over every fancy car that drove by...

  6. Debt Crisis: Don't Dig Another Hole to Climb Out of Another

    Dear Dave,I've been on medical leave from my job due to an injury. My doctor recently advised extending the leave another six months, but during this time I wouldn't...

  7. Dip Into Savings to Pay Off a Mortgage?

    Dear Dave,Is there ever a time you should dip into emergency fund savings in order to pay off your home early?-EricDear Eric,The only time I would advise this is whe...

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