dave ramsey blackwhite 300KENTUCKY (5/26/13) – This week Dave discusses Move or set family boundaries? and Altering a baby step
 
Dear Dave,
I live outside Houston with my wife and our 9-month-old daughter. I’ve received a job offer from a company on the other side of the city that would pay, with bonuses, $25,000 a year more than I’m currently making. This would require moving to a new house and away from our extended family. My wife wants to move because my mom can be a little overbearing. I understand how she feels, but I’m not certain I want to move or take a new job. What’s your advice? - David

Dear David,
I’m not so sure this is a job change question as much as it is about the state of your relationships. I know it’s hard to keep the grandparents away when there’s a baby in the house; that kind of goes with the territory. But I can also understand how lots of unexpected visits and unsolicited advice can wear on a person.

If it were me, I wouldn’t change jobs just to run from something. My advice is to try setting boundaries in your relationships with your parents instead of installing geographical boundaries. You might want to pick up a copy of Dr. Henry Cloud’s great book Boundaries. Remember, your mom may not realize she’s intruding on your lives. This book is full of insight, and it will give you both some good advice on how to manage relationships in a healthy, loving way.

Like I said, I really don’t feel this is a job-move issue. I think you guys just need to establish some fair and reasonable emotional distance between yourselves and your family. —Dave
 
Dear Dave,
My husband and I are debt-free except for our mortgage, and we make $65,000 a year. At this point, we have only $17,000 left to pay on the house. We haven’t fully gotten into all the retirement planning you say should come before paying off your home. But with so little left on the house, should we attack this last bit of debt and pay it off as soon as possible? We can have it done in five or six months. - Nancy

Dear Nancy,
I don’t see anything wrong with going ahead and knocking out the house, especially if you’re that close to making it happen. Normally, the people I talk to still have $100,000 to $200,000 left on their mortgages. This is a little bit different story.

Usually, I’m pretty hardcore about sticking with the proper order while doing the Baby Steps. Even in my book The Total Money Makeover, I didn’t leave room for people to go ahead and pay off a tiny, little mortgage ahead of investing for retirement. But in this situation, I think that’s exactly what I’d do.

Think about it, Nancy. You could be completely debt-free by year’s end, and you’re still underway with retirement planning. What a great Christmas gift for you and your husband to give each other! - Dave

* Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at www.daveramsey.com.
 

Disclaimer: The content supplied by columnists and letters to the Editor on this site does not in any way, shape or form, implied or otherwise, necessarily express or suggest endorsement or support of any of such content, statement, or opinions therein. SurfKY News does not necessarily adhere to or endorse content provided by outside non-staff sources.

© Copyright 2015 SurfKY News Group, Inc. All rights reserved. This material may not be published, broadcast, or rewritten without permission. SurfKY News encourages you to share this story by using one of the social media links below.

3/13 - 16

In Other News...

Merle Travis Fans Pay Tribute to Thumbpicking Legend

POWDERLY, Ky. (1/31/15) — Merle Travis had to be smiling down from thumbpicking heaven Saturday when numerous musicians… Read More

Mary Roberts Steps into Role as Lactation Consultant at MCCH

MURRAY, Ky. (1/31/15) — After numerous years working with newborns and their parents, Mary Roberts, RN, has moved to… Read More
3/13 - 16

Most Read This Week

January 28, 2015 18067

UPDATED: Several Involved in Two-Vehicle Accident

in Local (Hopkins) Top News by Doreen Dennis, SurfKY News
January 26, 2015 9095

KSP Arrests Two on Child Porn Charges; MPD…

in Top News For All Sites Touching Hopkins by Trooper Stu Recke
January 25, 2015 8599

Dean’s List Announced

in Top News For All Sites Touching Hopkins by Joyce Riggs
January 28, 2015 7220

Nortonville Man Accused of Meth Possession,…

in Local (Hopkins) Top News by Madisonville Police Department/Hopkins County Detention Center
January 26, 2015 6709

School Board Votes 3-2 for Utility Tax

in Local (Muhlenberg) Top News by Charles W. Riley II, SurfKY News
January 25, 2015 6359

Juvenile Hit by Vehicle at McDonald's

in Local (Muhlenberg) Top News by GPD Officer Wes Miller
January 28, 2015 6270

Tax Recall Committee Formed Day After School…

in Local (Muhlenberg) Top News by Charles W. Riley II, SurfKY News
January 29, 2015 6227

Man Charged with Sexual Abuse of Child

in Local (Hopkins) Top News by Doreen Dennis, SurfKY News

Most Read This Month

January 08, 2015 23511

Woman Claiming to be 'Lady Gaga' Tours Town in…

in Top News For All Sites by Madisonville Police Department
January 15, 2015 23099

UPDATE: Fatality Victim's Name Officially Released

in Top News For All Sites by Doreen Dennis, SurfKY News

Stories Trending Today

January 31, 2015 5891

24-Year-Old Killed in One-Vehicle Collision

in Top News For All Sites Touching Hopkins by Rita Dukes Smith, SurfKY News Director
January 30, 2015 5848

More Than 800 Gather to Encircle HCCHS

in Local (Hopkins) Top News by Tammy Holloway, SurfKY News
January 30, 2015 5224

Woman Arrested for Allegedly Attacking Police…

in Local (Hopkins) Top News by Madisonville Police Department/Hopkins County Detention Center
January 30, 2015 2454

No One Left Behind: The Story of 'Sarge'

in General News For All Sites by Lisa Aug
January 30, 2015 2429

Madisonville Police Arrest Reports - Jan. 30, 2015

in Hopkins News by Madisonville Police Department
January 30, 2015 2397

Hopkins County Sheriff's Arrest Reports - Jan.…

in Hopkins News by Hopkins County Sheriff's Office
January 29, 2015 2362

Lt. Gov. Luallen, Housing, Veterans Officials…

in General News For All Sites by Office of the Governor
January 30, 2015 2285

Central City Crave Movement Makes Impact in…

in Local (Muhlenberg) Top News by Paul McRee, SurfKY News
January 30, 2015 2154

WKWIB, GRADD, Owensboro's RAE Get Workforce Grants

in General News For All Sites by Kim Brannock
January 30, 2015 1996

Whitfield Works for Protection of U.S. Waters…

in General News For All Sites by Marty Irby
January 30, 2015 1963

Col. Stephen Trigg Chapter SAR Honors Former…

in General News For All Sites by Geoff Baggett
January 30, 2015 1721

Madisonville Fire Reports – Jan. 30, 2015

in Hopkins News by Doreen Dennis, SurfKY News