September 20, 2016 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Don’t Touch The 401(k) By Dave Ramsey Dear Dave, My wife and I make $100,000 a year combined, and we have about $12,000 in credit card debt. We also owe another $80,000 in student loans, and our kids’ private school education costs $1,000 a month. Is it okay for me to take a loan against my 401(k), which is invested in mutual funds, to clean up the credit card bills? — Stephen Dear Stephen, I wouldn’t do that. If your 401(k) is invested in good mutual funds, it’s likely you’ll miss out on some pretty good rates of return. But that’s not the biggest reason this is a bad idea. The biggest reason is that when you leave your company — and you will leave, whether it’s because you get a better job, you get fired, or you die — that loan is considered an early withdrawal. If you don’t repay it within 60 days, you’ll get hammered with a 10 percent penalty plus your tax rate. You could easily lose almost half of what’s in the account. If you want to start paying off debt, my advice is to start doing things to generate extra income and begin living on a tight budget. Grab an extra, part-time job for a while, too, and have a big garage sale. Sell so much stuff the kids think they’re next! You need to work a seriDave ous debt-busting plan. The good news is it’s only $12,000. Knocking out the credit card debt won’t be so bad, and with your income, the kids’ school isn’t unreasonable. It’s the $80,000 in student loans that’s killing you. Scrape together and save every penny you can find each month, and put that toward paying off the credit card debt. Then, roll that amount over, add anything else you can come up with, and attack those student loans. You can do it, Stephen! — Dave RAMSEY Kicked out, starting out Dear Dave, I’m 19 years old, and I just got kicked out of the house after wrecking my dad’s truck. I’ve got a job making $12 an hour working about 40 hours a week, 1915 Broadway, Yankton, SD and I’m currently living with a friend at his apartment. I have a goal of going to college, and I’d like to get out of RON’S AUTO GLASS Auto Home Commercial ALL GLASS 605-665-9841 my friend’s place as soon as possible. Do you have any advice some someone just starting out? — Brandon Dear Brandon, That’s a tough situation, buddy. I’m sorry things worked out that way with your dad. You’re going to need more money than what’s coming in, so let’s prioritize things. Your first goal is food, and your second goal is to help your friend a little bit with the rent. After that, you need to save up and get a car as quickly as possible. I’m talking about a total beater — a $500 to $1,000, mechanically sound, basic, ugly car. They’re hard to find, but they are out there. After you’ve done this and gotten some stability in your life, start thinking about saving for a little bit better car. This may mean picking up an extra part-time job for a while. Then comes piling up some cash so you can get your own place. Let’s get all this out of the way before you start thinking about school. Right now you barely have a place to live, and you’ve got nothing to drive. Listen, I love your motivation and the fact that you have dreams and a goal to better yourself. You’ve been through a lot, but let’s get the basics taken care of first, introduce a little stability into your life, and then we can start coming up with a plan for school and a long-term future. Good luck, Brandon! — Dave ——— Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven 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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. MV Shopper CLASSIFIEDS S.D. 4-H Youth Council Donates $21,500 BROOKINGS, S.D. - South Dakota State 4-H Youth Council donated $21, 500 to Make-A-Wish, their state-wide community service project for the 2015-2016 4-H year. “Giving back to the community is a focus of 4-H and our membership does this in a multitude of ways. This year-long focus is one way for us all to give back to one entity together,” said Audrey Rider, SDSU Extension 4-H Volunteer Field Specialist. To raise the dollars, 4-H members and clubs throughout the state collected money and brought it to the Teen Leadership Conference and 2016 South Dakota State Fair. “Counties got creative this year,” Rider said. Some had 3x3 basketball tournaments, kiss the pig contest, auctions, and many other fundraisers. “There was even a competition held among the counties to see who could collect the most money,” she said. The top two counties were McCook County, which raised $3,200 and Brookings County, which raised $3,172.68.   “Thank you to all the counties and clubs who helped raise money for this project,” Rider said. This donation will help grant approximately three wishes and the wishes to children in South Dakota. “Our goal was to raise enough money to grant one wish. We are so thrilled and overwhelmed that we could present a check for $21,500 to Make-AWish to help fund three wishes,” said Rider, of the presentation made during the 2016 South Dakota State Fair. Our mission of Make-A-Wish is to grant the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. “We are so grateful to the 4-H youth across South Dakota for the generous support of Make-A-Wish South Dakota,” said Paul R. Krueger, President and CEO, Make-A-Wish® South Dakota. “This gift will help us create amazing wishes for sick kids and their families - people in our communities who need hope, strength and joy during a very difficult time. It is gratifying to see young people helping other young people.” Krueger added that in addition to the financial support, the efforts of South Dakota 4-H this past year have also created more awareness about Make-A-Wish and who we serve. To qualify for a wish, a child must be between the ages of 2 ½ and 18 and facing a life-threatening medical condition at the time of referral.  Children can be referred by medical professionals, their parents/guardians or family members with direct knowledge of the illness, or by the children themselves. Our vision it to make every eligible child’s wish come true. Find out more at the South Dakota Make-A-Wish website. To learn more about South Dakota 4-H and how you can become involved, visit the 4-H & Youth Community page. M I S S O U R I VA L L EY IN PRINT & ONLINE To place your ad call... 605.665.5884 South Dakota State 4-H Youth Council donated $21, 500 to Make-A-Wish, their state-wide community service project for the 2015-2016 4-H year. Front row left to right: Tessa Sleep, Youth Council President, Emily Muirhead, Youth Council Publicist, April Hamilton, Youth Council Historian, Megan Andersen, Youth Council Vice President, Audrey Rider, Youth Council advisor. Back row left to right: Matt Bogue, Youth Council treasurer, Amanda Dean, Youth Council member, Sydney Hoffman, Youth Council member, and Paul Krueger Make-A-Wish CEO. niGrow Dining & FALL SALE Entertainment Huge Savings! September 19th thru 26th Menno Pioneer Power Show TRACTOR PULL ANTIQUE TRACTOR PULL Saturday, September 24 at 4:00 p.m. Antique Division: I, II, III and Open PICKUP PULL & EXHIBITOR TRACTOR PULL Sunday, September 25 at 3:30p.m. Pickups: Stock, Modified, Super Modified, 2 and 4WD LEISURE WORLD, INC. 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