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Previous Page
4
Map
March 6, 2012 • Page 4
shop online at www.missourivalleyshopper.com
DAVE SAYS:
To Sell The Motorcycle Or Not To Sell
Dear Dave,
My husband and I
have been through
Financial Peace University. I’ve always been the
numbers nerd, although
he’s catching on and
doing pretty well. He has
a motorcycle he bought a
few years ago before we
got married, and still
owes $7,000 on it. My
common sense says we
need to sell it, but he
doesn’t want to, even
though we haven’t been
riding in over a year.
What should I do?
Gina
Dear Gina,
It sounds like he’s
making progress, so we
don’t want to ruin that.
Here’s the question: if
you win the bike battle,
do you lose relationship
war? In other words, if
you force him to give up
the motorcycle, will it
damage the marriage
and the progress he’s
made toward getting out
of debt and learning how
to handle money?
If I were you, I’d ?rst
sit down with him and
tell him how proud I am
for the way he’s trying
to improve the ?nancial
situation in your home.
Then, I’d suggest that
the motorcycle is a stumbling block to your
shared ?nancial goals.
Ask him what he’d be
willing to do to get the
motorcycle paid off more
quickly. Would he pick
up a part-time job, or
maybe sacri?ce something else he’s spending
money on?
But let him know the
motorcycle isn’t really
the issue. The issue is
that you guys need a
plan to get this $7,000
debt out of your life!
—Dave
ly, and have custody of
our children who are 12
and 17. I’m lucky enough
to be debt-free, and I own
the house we’re living in,
which is worth about
$350,000. I also have
$160,000 in savings, and
we receive $1,200 in
child support every
month. People are all
telling me I should be
investing, but each one
tells me to do a different
kind of investing. What
do you suggest?
Mary
Single again …
Dear Mary,
I know going through
a divorce has got to be
hard on you and your
Dear Dave,
I got divorced recent-
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kids. Make sure you
spend lots of time hugging on them and letting
them know they’re loved.
Fortunately, things are
still pretty good in your
world in a ?nancial
sense. Your net worth is
a half-million dollars,
plus you have no debt.
Most ladies don’t ?nd
themselves as lucky
money-wise after a
divorce.
Don’t do too much
with the $160,000 right
now. Just park $100,000
of it in a CD for a year
until you get over the
shock of everything that
has happened. You won’t
make much money, but
you won’t lose anything,
either. Then, take the
remaining $60,000, and
invest it in good growth
stock mutual funds –
ones that are very conservative and have at
least a 10-year track
record of success.
You’ve also got to take
a look down the road and
decide what you want to
do with the rest of your
life. You’re going to be an
empty-nester is a few
years. Do you want to go
back to school or maybe
start your own business?
You’ve got a little learning to do about invest-
Dave
RAMSEY
ing, too. Taking a year or
so will allow for education and thinking about
what you want out of
life. Knowledge has a
way of erasing fear. Plus,
you’ve got a responsibility to your kids to invest
this money wisely.
When everything settles down a bit, just take
your time, ?nd a good
investment professional
with the heart of a
teacher, and make sure
you don’t put money into
anything you don’t
understand. Spend lots
of time loving on your
kids, too. That’ll help
with the healing process
as much as anything.
—Dave
* For more ?nancial
help, please visit daveramsey.com.
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