Dave Ramsey and George Kamel advise listeners on financial dilemmas, including a 23-year-old questioning her advisor’s management of an overfunded 529 plan. They discuss using the envelope system for budgeting, paying off a truck loan before buying a home, and planning a Hawaii vacation within budget. Ramsey also counsels against tapping retirement accounts for debt, explains that military spouses can rent without credit scores, and helps a listener fix her car affordably.
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