What do Roth accounts, Dave Ramsey, and emergency funds have in common? They all came up when Melissa Joy, CFP®, opened the floor to your questions.

At the Dexter Summer Festival, Melissa asked community members to submit their burning money questions—and now she’s answering them in this special mailbag episode. From investment strategies to budgeting hacks, she covers the practical, the personal, and the myths worth busting.

💡 Topics Covered:

• Roth IRA vs. Roth 401(k)—which makes more sense for you?
• The pros and cons of Dave Ramsey’s advice
• Smart strategies for building an emergency fund that lasts
• Practical (and realistic) ways to cut expenses
• Mistakes new investors often make—and how to avoid them
• Whether you should pay off debt or save for retirement (spoiler: it’s not either/or)

If you’ve ever wondered what a CERTIFIED FINANCIAL PLANNER™ really thinks about these topics—or you’ve been waiting to hear your own question answered—this is the episode to tune in.

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