shop online at www.missourivalleyshopper.com February 16, 2016 • Page 3 By Dave Ramsey Dear Dave, I’ve been following your plan, and I’ve finally gotten out of debt and feel I have control of my finances. I’m also single, and I was wondering if you have any tips for how to gracefully mention financial topics and budgeting when you’re on a date. —Paula Dave Ramsey make, or where they are on their debt snowball in this scenario is officially weird—even by my standards. In other words, use manners and tact. They may be old fashioned words these days, but in most cases they work well. —Dave Dear Paula, Well, I don’t recommend bringing it up on a first date. If I’m a guy on the More of a initial date with a girl and the first thing long-term spending thing out of her mouth is about finances Dear Dave, and handling money, that’s going to be I’ve started my four-year-old on an pretty strange. allowance structure and a chore chart. Now, if the first date turns into I also have a mini-envelope system with another and another and another, spending and saving set up, but I’m then you might start talking about the having trouble helping him distinguish deeper things in life and where you between the two. How can I solve this? both stand. As you start talking about —Monica more serious subjects, you’ll begin to 665-5884 to place your ad here. Call learn if there’s enough of a basis for a Dear Monica, real relationship. At that age, any type of saving is goBut the first date is just sort of an ing to be more of a glorified, long-term introduction, right? You’re both seeing Call 665-5884 to spending plan. The point is to teach them if there’s any initial, mutual compatto delay gratification when you’re first ibility. Asking someone how much they place your ad here. Interested in this spot? INTERESTED IN THIS SPOT? www.missourivalleyshopper.com starting out. And when you’re only four, Interested in this spot? two weeks is long term. The contents of the spending envelope should be kind of spontaneous. Let him take it on trips to the store, and if he wants a pack of gum or whatever, he can get it. The saving envelope, though, stays at home. Then, as he grows and his mind and reasoning develops a little more, you can really start teaching him about long-term goals and how to get there—including giving. Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored five New York Times best-selling books. The Dave Ramsey Show is heard by more than 11 million listeners each week on more than 550 radio stations and digital outlets. Dave’s latest project, EveryDollar, provides a free online budget tool. 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