060314_YKMV_A2.pdf






June 3, 2014 • Page 2
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Dave Says
“What do you figure he’ll
weigh now, Doc?” said Steve.
Mavis topped off their cups
at the philosophy counter of
the Mule Barn coffee shop.
“A good three pounds, if
my guessing is any good,”
Doc said, shaking his head.
“Your dog?” asked Mavis.
“No, Hon,” Doc said with
a smile, “Ol’ Lunker, that big
trout down in Lewis Creek.”
The best fly tying and fly
fishing had failed to bring
O.L. to the net for a long
time now. Oh, sometimes
he’d investigate a fly closely
and start a near panic attack
in the angler, but then he’d
turn back into his hole and
let the fly drift on by. It was
maddening.
“Maybe he’s just smart,”
Dud said.
“Instinct, I think,” said
Doc. “I just don’t think any
trout is all that smart. But
instinct could account for it.
He knows what he wants to
eat, and somehow, the flies
we send him just don’t quite
look right, or smell right, or
float properly, or sink fast
enough. Who knows?”
“I’ve tied my best for
him,” Marvin Pincus said,
looking semi-depressed. “I
swear I don’t know what that
fish wants.”
“You’re the best fly tier in
the valley, Marvin,” Steve
added. “If your flies can’t do
it, I’m wondering if anything
can.”
“Have you tried using
bait?” Mavis asked. “My
brother does okay with
worms and salmon eggs.”
Every member of the
world dilemma think tank
gave hostile stares at their
friendly waitress until she
remembered something in
the kitchen and left in a
hurry.
“Bait? Use BAIT?” Doc
moaned.
Marvin nodded. “Might
just as well shoot the dang
fish.”
Life, after all, would
mean nothing without standards and values.
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Is It Time For
Baby Birds?
BY DAVE RAMSEY
Dear Dave,
My wife and I
are debt-free
except for our
house, and she
would like for us
to go ahead and
start a family. I
make good
money, but I’d still
like to wait a little Dave
longer and add
some extra to our
emergency fund
before taking that
step. Who do you think is
right in this
situation?
— Joel
Dear Joel,
Assuming, of course,
you’re talking about a rea1020
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FUNDING FUN AFTER COLLEGE
Dear Dave,
I’m finishing my last
semester in college, and I’ve
already landed my first real
job making $33,000 a year.
I’m working on a budget, but
I have $15,000 in student
loans. This is my only debt,
and my parents said I could
live at home for a year until I
get on my feet, so can I put
some fun money into my
budget?
— Jonathan
Dear Jonathan,
You can, but my advice
would be to make it a really
small amount until you
repay those student loans.
The real question is how
long you want that debt
hanging over your head.
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DAN VANOSDEL
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es like diapers
and baby stuff the
first few years, but
it’s not going to
drive you to the
poor house.
Now, if you go
to the extreme
and have 16 kids,
that many baby
birds could
become quite a
financial problem.
But for a normalsized family with a
normal-sized
income, children
do not create a big financial
issue. God bless you guys,
Joel!
— Dave
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I’m the kind of guy who
likes to rip the bandage off.
Even if it’s going to hurt a little bit, I’d rather just do it
quick and have it done. With
the numbers you gave me,
and the fact that you’d be
living at home for a while,
you’d be able to plow
through this student loan
debt in a hurry. After that,
you’d be in an awesome
financial position.
My advice is to keep living like a college student.
Save every penny, and have
no life for just a little while
longer. Trust me, the feeling
will be amazing when you
start life on your own with a
good job and no debt. That’s
the time to have some fun!
— Dave
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