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Dear Dave, My wife and I make about $100,000 a year combined, and we’re debt-free. Recently, we got an insurance settlement of $95,000. We have an $89,000 mortgage and a 19-month old baby. Should we use the settlement money to pay off the house, and use the rest to start a college fund for our son?

Dave Says: Co-signing Leads to Stupid Tax

By Dave Ramsey

Dear Dave,

Dave Says: This Is About Manhood

By Dave Ramsey

Dear Dave,

Fun

Ponchos, Sombreros, and Apostles? (You Have to See This Photo!)

Here's what Elder Andersen had to say about this fun photo, which he shared on his Facebook page earlier this month:

Dave Says: What's in a Name?

By Dave Ramsey

Dear Dave,

Dave Says: Just What She Needs

By Dave Ramsey

Dear Dave,

Dave Says: Can't Make the Payment

Dear Dave,

Dave Says: Do Car Titles Go to Teenagers?

By Dave Ramsey

Dear Dave,

Best of: LDS Living Stories of the Week, February 2-8

By LDS Living

You might have missed what went on the last week, but we've put together our list of the week's most popular stories so you don't miss a beat. For February 2 through February 8, 2013, these are LDS Living’s top hits:

Dave Says: Saving Up for Dad

Dear Dave,