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Best books for new parents There is no event in life that is more exciting and seamlessly terrifying than becoming a parent. I mean, sure, you’ve technically got nine months to prepare for your little one.  But there’s nothing that can fully prepare you for the moment the pediatric nurses hand you your first child,… The post Best Books For New Parents appeared first on Mom Money Map.

Limited-time offer is back. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. The sign-up bonus varies, but since you can only get it once every 48 months, right now is a good time with an elevated 80k bonus and the annual fee being waived. Here are the updated card highlights: 80,000 American Airlines miles after $3,500 in purchases within the first 4 months of account opening. First […]

The post Flowers Foods Dividend Cut Because of Debt and Leverage appeared first on Dividend Power. Flowers Foods, Inc (FLO) cut its dividend due to debt, leverage, and declining sales and income. Soft operating and financial results combined with a leveraged balance sheet pressured the dividend safety. The firm had a 23-year streak of increases and Dividend Contender status, which it lost after the cut. The share price has declined since late 2022 with little […]

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By Deborah W. Ellis, CFP®, MBA, CRPC® Deborah W. Ellis is the founder of Ellis Wealth Planning, a fee-only fiduciary financial planning firm. An investor, author, and speaker, she helps individuals and families better understand their finances, navigate important life transitions, and make informed decisions about wealth, retirement, and legacy. Connect with Deborah on LinkedIn […] The post Financial Leverage vs. Debt: How to Make Money Work for You, Not Against You appeared first on […]

🎙️ Episode #499 – This rental looked like a disaster almost immediately. Seven years later, Eric’s original $33K investment had grown to roughly $160K. Here’s… The post The Rental That Turned $33K Into $160K Despite an Eviction appeared first on Coach Carson.

Dave Ramsey advises a caller to dump her boyfriend. Image source: Dave Ramsey Show, via YouTube.com. While I’m not the regular Ramsey-listener that I used to be, I do sometimes see his stuff pop up on my social media and, occasionally, a headline will grab my attention enough to make me click to see more. A 26-year-old nurse with $90,000 in student loans called into The Ramsey Show. Her boyfriend makes $250,000 a year, but he refuses to propose until she is completely debt-free. Dave’s response was blunt: “If you were my daughter, do you know what I would tell you? Dump him… He’s making you prove your worth based on money. You’re having to buy your way into this relationship. You’re a princess and you deserve more than this…it’s a toxic and unhealthy relationship.” He went on to say that one of the top causes for divorce in North America is money fights and money problems. Given that they’re already having money-related relationship issues, why enter into a marriage at this point? Here is the original video, via YouTube. The Nuance If you’re just looking at the headline, it seems crazy for Dave to tell the caller to get out of the relationship over the situation. But digging in deeper, his point is that the caller and her boyfriend are actually on the same page already. Both of them don’t like debt. Both of them want her to get rid of the debt. In fact, the caller started with closer to $160,000 of debt (side-note: that seems like an incredibly high amount of student loan debt for a 4-year degree), so she’s shown that she’s committed to paying off the debt and has made great strides in that direction. Refusing to propose until it’s gone, therefore, feels like manipulation. If they’re already aligned in their goals and their future plans, the caller’s partner should not be holding this over her head the way he is. Why This Matters For A Lot Of People I’m curious about people who enter into dating relationships where there is a large income discrepancy and/or a large debt discrepancy. Dave’s point wasn’t that debt doesn’t matter. It does. And he wants the caller to get out of debt (and she’s shown she’s well on her way). The problem is when debt becomes a measure of someone’s worth in the relationship. I think this would be a very different conversation if the caller were still spending frivolously, racking up credit card debt, or making no effort to change.  But she’s not. That’s not the situation here. If you were dating someone and you found out they had a huge amount of debt, would that be a deal-breaker for you? When my now-husband and I first met, he was 100% debt-free (minus his home). While I had made great strides in my debt-payoff process, I still had quite a bit of debt, spread between student debt and legal fees (from my prior divorce). I can’t imagine what