Dear Dave, My girlfriend’s parents are divorced, and they’re both in their early seventies. We talked the other night, and she’s thinking about buying them each life insurance policies. The only coverage her dad has is through his employer. Her mom has remarried, and she doesn’t have any life insurance at all. On top of…

Dear Dave, My car was declared totaled because of hail damage, and my insurance company says I have two options. One is to take a higher total loss settlement check of $19,000 and use it toward the purchase of another car. The insurance company would then take possession of the car. The other option is…

Dear Dave, My wife and I have been very fortunate in our careers. We both have six-figure incomes, and as a result we have a little over $2 million in savings and investments. With this in mind, do you have any advice on how to make sure your kids aren’t spoiled as they grow up…

Dear Dave, I’ve heard you talk about paying for college for your kids. Why is this a requirement? I’m not trying to shirk my responsibility, but I worked my way through college and so did my parents. My wife and I have talked about paying for their books and maybe rent. Am I missing something…

Dear Dave, My husband recently opened his own commercial painting company. We know he will have three months or so every year when he’s making very little, if any, income. We also started following your plan recently, too, and have $1,000 set aside for our starter emergency fund. We were ready to begin paying off…