You Don’t Get Out of Debt by Accident—Choose Your Hard
The Ramsey Show
Sinking funds versus monthly expenses
Jade explains sinking funds for irregular large expenses and why monthly bills shouldn't be sinking funds.
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Ken Coleman and Jade Warshaw answer your questions and discuss:
- “I feel let down by my husband’s spending habits?”
- ”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”
- “I keep going deeper into debt because of my spending habits”
- “Our home mortgage is 40% of our income, should we refinance?”
- “How do I talk to my in-laws about the $48,000 my wife owes them?”
- “We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”
- “How are we supposed to pay $2459 for health insurance premiums?”
- “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”
- “What’s the difference between sinking funds and recurring expenses?”
- “My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”
- “We’re $176,000 in debt, should we sell our cars?”
- “How do I pay off debt and plan for the future as a single mom?”
- “My mortgage has a balloon payment, how do I pay this off?”
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