Personal Resource Center

The resource center provides you with access to tools and information to help you best manage your business. Take advantage of our in-depth content, weekly business columns/blogs, tools, industry solutions, and much more to grow your business.

Dave Says

Dave Says
Dave Ramsey is America's trusted voice on money and business, and CEO of Ramsey Solutions. He has authored 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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

Be There For Each Other, And Don't Give Up!

Be There For Each Other, And Don't Give Up!

Dear Dave,

My wife and I both lost our jobs a few weeks ago. She began a training course for a new job last week, and I've been interviewing. We cashed in an annuity the other day because things have been tight, and we were wondering if we should use it to help continue paying down debt, or simply live on it until things get better.

Vernon

Dear Vernon,

You need to be honorable and pay your debts, but that may have to be put on hold for a while. Right now, it’s more important to have food in the house and keep the heat on.

If you haven’t done so already, contact your creditors and explain the situation. Let them know you’ll make things right with them as soon as possible. I know this is a scary situation, especially around the holidays, so make sure you two pull together and keep the lines of communication wide open. A few extra hugs wouldn’t hurt, either.

The good news is it sounds like things may be looking up. Support your wife all you can in her new job, and make sure you continue looking for work, too. A little extra money is better than none, so take on something part-time while you’re looking for a permanent position.

God bless you two!

- Dave


Read other financial blogs


Dave Ramsey is America's trusted voice on money and business, and CEO of Ramsey Solutions. He has authored 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. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
Credit card

Lost/Stolen Cards

Debit Cards Call 1-800-554-8969, Credit Cards Call 1-855-325-0903
Discuss (chat)

Contact Us

Call, come in, click. Here are all the ways to reach us.
Paper and Pencil (alternate)

Open an Account

Already know which account is right for you? Start here.