August 6, 2019 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Adjust Our Emergency Fund? Micro Investing Apps? Dear Dave, My husband and I have been married five years, and we’ve decided we want to have children. We’ve both been working full time since our wedding, and we were wondering if we should adjust our emergency fund and retirement investing to accommodate all the upcoming life changes that go along with having a bigger family. Rachel Dear Dave, What is your opinion on micro investing apps like Acorns and Betterment? Are these good vehicles for building wealth in the long term, and are there any major drawbacks to these types of services? Alex Dear Alex, I’m not saying there’s anything really wrong with Acorns or Betterment, but they do different things. Acorns is more of an invest pennies, round-up kind of program, where Betterment is kind of a robo-investing Dave Dear Rachel, deal. When it comes to an emergency Here’s the thing. Micro investing is going to create fund, I’d stick with what I recommicro wealth. And the big downside is you’re going to mend in the Baby Steps. A good emergency fund of three feel like you did something important. The way you end to six months of expenses should be fine. If you feel safer up with money is by investing money. The way you end leaning toward the six-month side, that’s fine. As far as up with more money is by investing more money. You investing is concerned, that’s Baby Step 4. This means 15 can argue all you want that using things like these create percent of your household income going toward retireextra money. Yeah, but not really. The returns are still ment. None of that really changes. micro. An app doesn’t make two dollars turn into twenty Now, with another person in the house, your day-todollars. day expenses are going to increase. That’ll make it even It’s okay to use apps like that. I’m not mad at them, more important to make sure you’re living on a written and I don’t think they’re a rip-off. What worries me about monthly budget. What you don’t want to do, is quit your these kinds of things, in an investing sense, is they give job to come home and be a full-time mom, then find yourthe illusion that you’ve done something significant with selves dipping into the emergency fund. Being a stay-atyour money. home mom is fine. It’s a wonderful thing if you can afford —Dave it. But if that’s the plan you need to budget accordingly, and practice living on just your husband’s income before you quit your job. * Dave Ramsey is America’s trusted voice on money and God bless you two, Rachel! business, and CEO of Ramsey Solutions. He has authored —Dave seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. 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They were willing to take a small part, but not the lead. I ended up playing the part, along with building the set, helping direct, and doing everything I could on the production. Because of these previous challenges when we have been the directors, Donna suggested that I help answer the post. “But I am just finishing work on the other musical and was looking forward to some time to myself this summer,” I said. “But just imagine if it were us directing again,” she said. “Wouldn’t you appreciate having someone come help?” I had to admit that I would. And having been through that challenge, I finally agreed to help. “But tell the director I am not necessarily looking for time on stage and would be happy with as small of a part as possible.” The director was happy to have me join them and immediately brought me a script. I was not able to attend a lot of practices until the other musical finished, but I worked on my lines and music. I had one song that was particularly hard that I had to sing. When the first musical finished, and I started practices in the new one, I realized how far behind I was. I recorded the songs and my lines and listened to them all day for days while I worked. Finally, I started getting them down and could put my script away. Then the director wanted to add the dance. I couldn’t seem to dance and remember what to sing at the same time, and I messed up a lot. The director recorded us doing the different numbers and posted them to YouTube. “Your assignment,” she said to all of us, “is to go home and watch yourselves and see what problems you have.” The next day she asked if we had done what she requested. I was one of the few who had. “And what did you learn?” she asked. “I learned that I really look fat on stage,” I said. She laughed slightly. “But didn’t you learn anything about how you’re performing the numbers?” “No,” I replied. “I couldn’t get past how fat I look.” Well, I finally did learn the numbers and worked hard to perfect them to the best of my ability. But the main thing I gained was a lot of good friends. Unfortunately, in the other production, being in the light booth, almost no one knew me, and I made few friends. Most of the people in the production thought I was a parent of someone in the cast. The few times I tried to visit with others, they would remind me parents weren’t supposed to be backstage. When I told them I was the person running the lights, one said, “Oh, are you the one the director yells at?” I had to admit that the only time I heard my name yelled through the auditorium was when something on the lights needed to be fixed. 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