DEAR DAVE: How do you feel about demography money out of accumulation to pay off acclaim cards?
DEAR PEGGY: I’m OK with this beneath two conditions. One is that you cut up the acclaim cards, aing the accounts and never use those things again. The additional is that you don’t clean out your accumulation in the process. Leave article in there, so you’re covered in the accident of an emergency. Then, clean your accumulation as fast as accessible already the debt is out of your way.
DEAR DAVE: I’m 35, distinct and I accept no dependents. Do I charge a activity allowance policy?
DEAR LARRY: In your situation, if you accept abundant banknote adored up to pay your final costs — and you don’t accept any debt — there’s no acumen for you to backpack a activity allowance policy. No one will be afflicted financially by your death, and no one would be beggared of the assets that would be absent if article abrupt happened to you. Even if you accept a mortgage on a home, the abode will commonly advertise for abundant to pay off the mortgage.
However, if you accept debt, or if you don’t accept some money buried abroad in savings, you ability appetite to accede an bargain appellation activity allowance policy. At your age, if you’re healthy, you can get $100,000 account of advantage for aloof $10 to $15 a month.
Remember, you don’t buy allowance to leave an inheritance. You buy activity allowance to accomplish abiding there’s abundant money to booty affliction of your ancestors and final expenses. You wouldn’t appetite your parents or addition abroad accepting to bottom the bill.
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