March 19, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Finances Before, And After, The Wedding Dear Dave, I’m getting married this summer, and I’m on Baby Step 4 of your plan. My fiancé is getting onboard with your advice, too, and she’s currently in the process of paying down her student loan debt. Would it be a good idea to go ahead, and put most of my emergency fund savings toward helping pay off her debt now? Aaron A Check We Can’t Cash By Daris Howard Length Of Coverage? One of the jobs that I have as Scoutmaster is to help teach the boys about serving others. Winter is good for that. There are always people who need wood chopped or hauled, and in a winter like this one, there is lots of snow to shovel. One winter, we were receiving more requests for snow shoveling than my troop could keep up with. The moisture was coming down as slush and freezing solid on everything it touched. It was not only heavy, but it locked itself solidly to any surface. It had to be chipped off of roofs. Dear Jenny, Many farm buildings were caving in before they could be Congratulations on being super smart with your cleared. money! It sounds like you two are starting out on the Dear Aaron, One Sunday, while I was standing in the foyer at right foot. Dear Aaron, church, one of our community members walked in. Harry Generally, I recommend 15- or 20-year level term Dave You’ve got a generous heart, was covered in scrapes, bruises, and bandages. Both eyes policies—unless you have children. Since you didn’t and I know you love this lady, were black. He didn’t look good at all. mention any kids, I can only assume they’re not in the but I wouldn’t recommend being “Harry, what happened to you?” Bart asked. picture at this point. However, if you two decide to grow involved in paying any of her debt Harry looked a little sheepish as he answered. “Well, your family in the future, I’d advise converting those to until after the wedding. At that point, you two are joined the snow was building up on my shed, and I realized there 30-year term policies. You’ll want the insurance there to together as one, and the concepts of “mine” and “hers” were two problems with it. First, the weight was making protect everyone in the family, until the kids are grown and “his” disappear. It all becomes “ours,” and you can and out on their own. In the years after, continued saving the rafters bow, and secondly, the ice must have pushed adjust your money situation to reflect your marriage and and wealth building will lead you to a point where you’re open some of the tin, because water was dripping inside. I your financial makeover as a couple. decided that I would get up on the roof and shovel off the both self-insured. Make sure that “we” have an emergency fund of at snow and screw the tin down. You two have done an excellent job with your financleast $1,000 in the bank at that point. Then, if you’re both “I found my ladder, got my drill and shovel, and climbed es. Keep up the good work! in agreement on the issue, you can throw the rest of what up to the roof. I found the ice was much harder to break —Dave you previously had in your emergency fund at the debt. off than I thought it would be. I decided to get some off the Both of you can also pile up cash between now and the * Dave Ramsey is America’s trusted voice on money and edges to take off some weight, then I’d just cut a section big day, so that when you’re “official” you’ll have even business, and CEO of Ramsey Solutions. He has authored up along where the roof was leaking so I could tighten the more cash on hand. seven best-selling books, including The Total Money Makeotin down. I was able to get the ice off the edges of the roof Congratulations, and may God bless your lives tover. The Dave Ramsey Show is heard by more than 12 million okay by moving along them and chipping at the ice while gether! listeners each week on 575 radio stations and multiple digital standing on the ladder, but cutting a path up the section of —Dave platforms. Follow Dave on Twitter at @DaveRamsey and on the roof where it was leaking was a lot harder. the web at daveramsey.com. “I eventually got a path cut through the ice, but the exertion made me gasp for air. I had just finished taking off enough ice so I could put the screws into the roof, and I was reaching for the drill when I suddenly felt dizzy. The next thing I knew I was waking up on the ground, almost frozen to death. I have no idea how long I lay there, but it was getting dark.” “As banged up as you are, that must have been quite a fall,” Ben said. Harry shook his head. “That wasn’t where I actually WASHINGTON—U.S. Sen. State AA Boys Cross Country got really hurt. Oh, I was a little shook up, and had a few Mike Rounds (R-S.D.) today titles. He’ll be a member of announced that Jack Elliott, the Track and Cross Country bruises, but the thought of not even remembering what had happened was what bothered me the most. I got up a student at Lincoln High Teams for the U.S. Naval Go To cjatthelake.com For Events & Menu Specials! and was really stiff and sore, and I struggled to walk to the School in Sioux Falls, has Academy, where his leaderGreat Food – Fantastic View – Awesome Wild Animal Display received a fully qualified offer ship and athletic abilities will house I realized I should get some help to finish the job. But that was when I realized I had left the drill up on the of appointment to the U.S. shine. We thank him for his roof.” Naval Academy, which he indesire to serve our nation Harry grinned in embarrassment, and we grinned, too. tends to accept. Elliott is the and wish him all the best.” Weigand Rd. NE Side Of Awesome • 402-388-4267 son of Keith and Kim Elliott of “I am grateful for the Naval Every one of us grew up on a farm, and we all had a strong Great Food – Fantastic View –The Lake Wild Animal Display independent streak. Sioux Falls. Academy appointment and Sunday Friday Night Fish “I congratulate Jack on his I am looking forward to the “In the meantime,” Harry continued, “while I laid there, and Shrimp Buffet Breakfast Buffet offer of appointment to the challenge ahead of me,” said the moisture had frozen on the tin I had cleared. I stepped U.S. Naval Academy,” said Elliott. “I can’t think of a beton the tin and had just reached out and touched the drill Only $11.95 Only $8.79 Rounds. “Jack is a skilled ter place to develop myself when I slipped. I do remember that fall as I came flailing Book Your Next Party At CJ’s! Call 402-388-4267 athlete, winning multiple academically, athletically, off the roof. I was even still awake after I landed, and I imand as a person than at the mediately sat up. But then something hit me on the head. academy. The academy apIt was probably an hour or two later when I woke up, and pointment fulfills my dream the drill was laying by my face.” of competing at the Division I We were all glad Harry was all right. But the men level and also provides a first couldn’t help but give some good-natured teasing. class education and career “That’s one thing about it,” Bart said. “A person never opportunity.” has to worry about falling off a roof because the ground is Each year, Sen. Rounds always there to catch him.” is able to nominate a select “I don’t mind the fall,” Ben said. “It’s the sudden stop at group of eligible students the end that I hate.” from South Dakota to attend INTERESTED INteasing. “You know what I hate?” Harry smiled at their THIS SPOT? our nation’s four service Call 665-5884 to place and ad here. he said. “I hate getting old your having my mind write academies: The U.S. Air Force checks that my body can’t cash.” Academy, U.S. Merchant Marine Academy, U.S. Military Academy at West Point and Call 665-5884 to the U.S. Naval Academy. Dear Dave, My husband and I are 24, we’re debt-free, and we’re just a few weeks of saving away from having a fullyfunded emergency fund. Each of us has a 401(k) plan at work, and right now we’re concentrating on life insurance purchases. You always recommend term insurance, but how long should the coverage last? 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