Dear Dave, My husband and I are retired. I receive a small pension, and we are both on Medicare and Social Security. We have about $25,000 left to pay on our mortgage, along with a second mortgage of $18,000. These are our only debts. We also have a nest egg of $30,000 set aside, and…

Dear Dave, Is debt consolidation a good way to get out of debt? Erikah Dear Erikah, No, it’s not. Debt consolidation companies try to position themselves that way, but they don’t even come close to addressing or solving the real problem. Here’s the big reason debt consolidation isn’t a good idea. It makes you feel…

Dear Dave, My husband and I have a beginner emergency fund set aside, and we’re working on paying off $30,000 in credit card debt and two cars in Baby Step 2. He would also like us to start putting money aside for a couple of trips and a few other things we have always wanted.…