May 6, 2014 • Page 4 shop online at www.missourivalleyshopper.com Dave Says Save For Retirement Before Kids’ College BY DAVE RAMSEY Dear Dave, I noticed that your Baby Steps list puts saving for retirement before saving for your kid’s college fund. Sending your kids to college would come first on the timeline, so what is Dave your reasoning behind this? — Jen Dear Jen, I advise this approach because everyone is going to retire someday, unless, of course, they happen to die before reaching retirement age. Retiring and eating are necessities. College is a luxury. Lots of people succeed in life without going to college, and thousands have worked their way through college. I worked 40 to 60 hours a week in college, and I still graduated in four years. Having a college fund set aside by your parents is really nice, if they can afford that kind of thing. But you can go to school by getting good grades, applying for scholarships, working your tail off and choosing a school you can afford. I believe in education, but there are lots of ways to get a college degree other than having your parents foot the bill. Besides, the last time I checked there weren’t any good ways to retire that didn’t include saving and preparing for retirement beforehand. I mean, you can always try to live off Social Insecurity, but I don’t consider that a plan. In short, college funding is not a necessity. That’s why it follows saving for retirement in the Baby Steps. Should you try to save up for your kid’s college education? Sure, if you can. But there are lots of parents out there who won’t be able to pay a dime toward someone’s college education. And that doesn’t make them bad parents! — Dave WHAT SHOULD I DO NOW? Dear Dave, I think I made a big mistake when I bought my car. I’m having a hard time affording the $500 a month payments, because I only make minimum wage at my job and work 35 hours a week. My boyfriend, who was supposed to help me pay for it, has moved out and left me. I owe $20,000 on the car, but I know it’s still worth about $19,000. What can I do? — Rachel Dear Rachel, Sell the car! You went car crazy and bought a vehicle that was way out of your league. Right now, your entire financial world is wrapped up in paying for this thing. And depending on a boyfriend to help make the payments was a big mistake, RAMSEY Town Square Town Square I & II o 505 507 W. Apartments 505-507 W. Ve ermillion, Main St. Vermillion, SD 57069. 1 BR apartments for anyone 55 years of age older, or older, or persons with disabilities. Please call 605-624-5218 or visit www.oakleafpm.com. www.oakleafpm.com. Utilities are included and we are pet friendly. Rental friendly. assistance available to qualify. those who qualify. Equal Housing Opportunity Equal Housing Opportunity YOUR RADIATOR HEADQUARTERS! Introducing the NEW NAPA Radiator Program • Great Parts • Great Warranty Cox Auto 1007 Broadway Ave. • Yankton • 665-4494 WWW.COUNTRYFORDSALES.NET * Dave Ramsey is America’s trusted voice on money and business. He has authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. His newest book, released April 22nd and written with his daughter Rachel Cruze, is titled Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. 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NO WAITING! too. When he left, so did the financial support. At this point all you need is enough to cover the hole you dug. Go to your local bank or credit union and try to get a very small loan from them-about $3,000. I hate debt, but you really don’t have a lot of options here. Then, if the car will sell for $19,000, get it sold and use $1,000 to cover the difference. After that, take the remaining money and buy yourself a little beater. I’m talking about basic, ugly transportation. The next step is to pick up a part-time job on the side, and work like crazy for a few months to get that loan paid back as quickly as possible. Don’t ever do this kind of thing again, Rachel! — Dave 1200 Cars 1200 Cars Buying junk cars, pickups, vans, running or not. Instant quote & free pickup. McLean Auto Salvage. (402)360-0756 CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We're Local! 7 Days/Week. 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