Debt

Vanguard Finds More Americans Are Treating Their 401(k)s Like Emergency Funds — Here’s What To Consider Before Making a Hardship Withdrawal

Struggling to reach terra firma? Read this.

By Vawn Himmelsbach

I Don't Know How to Get Out of Debt After an Emergency I Didn't Have Enough Money to Cover. What's the Best Strategy to Get Out of Debt?

More than a third of Americans have no way of paying an unplanned $400 expense.

By Maurie Backman

This 21-Year-Old Illinois College Grad Has a Girlfriend With $70,000 of Debt — And It Stops Him From Proposing. Calls Her ‘Unmotivated’ and Unambitious. The Ramsey Show Had Some Blunt Advice

“I don’t really want to pay off her debt.”

By Vishesh Raisinghani

Latest Articles

We’re in Our Mid-30s With $45,000 of Consumer Debt and Only $1,500 in Savings. We Want to Start Building a Nest Egg but Are Worried About Trump. How Do We Prepare for a Potential Recession?

By Maurie Backman| 04.03.2025
Real Risk and Reward of Paying Off Low Debt Fast

By Sarah Li-Cain, AFC| 04.03.2025
Doordash Has a New ‘Buy Now, Pay Later’ Option — But Some Experts Are Skeptical. Would You Try It Despite the Growing ‘Debt Binge’ in the US?

By Christy Bieber| 04.03.2025
How To Put Dave Ramsey’s Popular ‘7 Baby Steps’ Into Action

By Phil Osagie| 04.02.2025
Gen Z Spending Outpaces Their Paychecks and Future

By Maurie Backman| 04.01.2025
I’m 40 and Turned my Life Around but Overwhelmed with Debt Including $82K Student Loans and $110K Mortgage. How do I Get Help Without Getting Scammed into Insurance?

By Christy Bieber| 03.31.2025
‘Please Take Me to Small-Claims Court’: This St. Louis Man’s Credit Score Plunged From 815 to 630 After His Landlord Sent a $4,500 Rent Dispute to Collections — Here’s How He Fought Back

By Victoria Vesovski| 03.27.2025
I’m 27 and Ready to Get Serious About My Finances, but Struggle With High Living Costs — Where Do I Start?

By Maurie Backman| 03.27.2025
‘My Whole Account Is Messed Up’: Student Loan Chaos Ensues, Borrowers Face Soaring Payments, Uncertainty As Repayment System Unravels

By Jessica Wong| 03.27.2025
Is It Smart to Use Most of Your Work Bonus to Pay Off Your Debt? Here Are the Pros and Cons of Repaying Loans Using a Windfall

By Sarah Li-Cain, AFC| 03.27.2025
I Have Terminal Cancer and an Expensive Car Loan — How Do I Manage My Finances in Light of My Health Challenges?

By Christy Bieber| 03.26.2025
How to Pay Off $10K in Credit Card Debt Fast

By Christy Bieber| 03.24.2025
Women Turn to Trendy Alternatives for Finance Tips

By Victoria Vesovski| 03.20.2025
I Got Stuck With a Truck That’s $7K Underwater in My Divorce. What Are My Options in Dealing With the Debt?

By Christy Bieber| 03.18.2025
Tired of Being Broke — How Do I Break the Cycle of Financial Struggle? The Step-By-Step Guide to Escaping the Paycheck-To-Paycheck Trap

By Maurie Backman| 03.17.2025
Following Passion Versus Paying Off Family Debt

By Vishesh Raisinghani| 03.17.2025
I’m 54 and Have $28K in Maxed Out Credit Card Debt. I’m Spending $1K a Month to Pay It Back. I Have an $11K Check — How Can I Use It to Help Pay Off My Credit Card Debt Faster?

By Emma Caplan-Fisher| 03.16.2025
US credit card debt just hit a new record of $1.21 trillion — how can Americans dig their way out of this hole?

By Maurie Backman| 03.14.2025
I’m 41, married 10 years, and just found out my husband has credit card debt over $50K. Can I be held accountable?

By Emma Caplan-Fisher| 03.13.2025
97% of American Seniors Are Carrying Debt Into Retirement — 4 Simple Ways To Tackle What You Owe

By Phil Osagie| 03.12.2025
My Father-In-Law, 73, Has Cancer, No Retirement Savings — And $250K Left on a Mortgage. What Do We Do?

By Christy Bieber| 03.11.2025
This California Couple, Mid-30s, Owes Their Pal $500,000 and They Want To Pay Him Back Early — but the Friend Said No To Prevent a Big Tax Hit. Is He Allowed To Refuse? Ramsey Show Responds

By Vishesh Raisinghani| 03.08.2025
National Debt Got You Scared About Your Own Debt?

By Jing Pan| 03.07.2025
Texas Couple Makes $161,000 per Year — But Is Drowning In $90,000 Credit Card Debt, Spent $20,000 on California Vacation. Caleb Hammer Shames Them for ‘Acting Like You’re Multimillionaires'

By Vishesh Raisinghani| 03.05.2025
Woman pressured into paying for decades-old debt

By Vawn Himmelsbach| 03.02.2025
My Mother Died at Age 78, Leaving Me Her Fully Owned Home — But Also a Heloc and Credit Card Debt. With No Life Insurance or Savings, Should I Get a Mortgage, Pay Her Debt and Keep the House?

By Christy Bieber| 02.25.2025
Suze Orman Warns Social Security Recipients Against This 'Heavy Burden' as America Speeds Towards 2033 Payment Cliff

By Vishesh Raisinghani| 02.25.2025
A Bill Collector From American Express Once Asked Dave Ramsey’s Wife, ‘Why Would You Stay With a Man Who Won’t Pay His Bills?’ and It Made the Money Guru Mad. Here’s What He Did

By Maurie Backman| 02.23.2025
This 39-year-old Went From Filing for Chapter 7 Bankruptcy in the US to Living Rent-Free in Paris, Spending $8,939/Month

By Sarah Li-Cain, AFC| 02.20.2025
I’m 32 and Took Out a $23,000 Consolidated Loan, but Now I’m Paying Almost Half my Salary to Service It

By Chris Clark| 02.18.2025
Elon Musk Claims DOGE Will Trigger a ‘Fall’ in US Treasury Yields — and Says ‘All Americans’ Will Gain From Low Interest on Mortgages, Credit Cards, Other Debt. Here’s Why and What To Do

By Jing Pan| 02.18.2025
Kevin O’Leary Says he Hates Debt, Buys Everything in Cash but Famous YouTuber Suggests That's Easy Because he Has ‘So Much Money'

By Vishesh Raisinghani| 02.12.2025
'Rich Dad, Poor Dad' author Robert Kiyosaki bragged that being $1.2 billion in debt is better than ‘friend’ Dave Ramsey’s mantra of living debt-free

By Victoria Vesovski| 02.10.2025
My Wife Refuses to Accept a $250,000 Gift From Her Rich Aunt, But I Really Want the Money So We Can Pay Off Our House and Invest Regularly. How Can I Convince Her With Numbers?

By Vawn Himmelsbach| 02.10.2025
My Great Aunt, 82, Is Drowning in $80K of Credit Card Debt, $15K in Missed Timeshare Payments. Should We Keep Helping Her Pay It Down or Is It Better To Just Ignore It at Her Age?

By Vawn Himmelsbach| 02.07.2025
Millions of US Government Dollars are Stolen through Food Stamp Fraud Each Year, but Congress Ended the Program that Reimburses Victims. Protect Yourself Now

By Sarah Li-Cain, AFC| 02.05.2025
‘Do not lend anyone money that you are dating’: Sex and the City's Kristin Davis was ghosted by a ‘very successful actor’ after lending him $5K. Here’s why you should follow her advice

By Victoria Vesovski| 01.28.2025