Page 4 shop online at www.broadcasteronline.com DAVE SAYS: 1101 Ignore The Math Dear Dave, Should I continue to contribute to my 401(k) at work up to the match if I’m still trying to get out of debt? Anonymous Dear Anonymous, Nope! I know, you probably think I’ve lost my mind on this one. Yeah, I know how important it is to take the match in a situation like that. In fact, it still kind of irks me to have to say these kinds of things. I’m a math nerd, so I really don’t like the whole idea of it very much. But I’ve learned a few things over the years. One of those things is that personal ?nance is 80 percent behavior and only about 20 percent head knowledge. And in the short term, the power of passionately focusing and sacri?cing deeply to attack your debt will supersede the mathematics involved where your company match is concerned. In other words, if you stop saving temporarily for a year or two, and in that time wipe out your debts, the power you’ll gain in being free from those debts will be more bene?cial to you than a couple of years of your company match. I would never tell you to stop investing or doing the company match for 10 years or anything silly like that. But if you Dave RAMSEY stop for just a little while and clean up your mess, then go back to investing for retirement, you’ll reap so many more rewards down the road. Not only will you have permanently changed your behavior, but you’ll also be able to invest even more for retirement and other things! —Dave You Can’t Make Him Grow Up Dear Dave, I’ve tried for years, but I can’t convince my husband to plan for tomorrow and stop living just for today. Is there anything I can do? Candace Dear Candace, I hate to say it, but I don’t think you can convince him. The essence of your question is this: “How do I get him to grow up?” If he’s not willing to delay getting or doing things he wants, that’s a sign of immaturity. You guys are probably going to struggle with money as long as he has an attitude of “Thank God, it’s Friday! Oh, God! It’s Monday…” Being careful with your money and planning for the future doesn’t mean you can’t have any fun. It just means you may have to delay certain things for a little while. My wife and I have lots of fun and cool things now. Why? Because we saved like crazy and sacri?ced. We lived like no one else, so now we’re able to live like no one else. In other words, we paid a price to win. Your husband’s problem is that he’s not willing to pay a price for a short period of time. That kind of immature thinking is a one-way ticket to a lifetime of mediocrity. And if you’re unwilling to pay the price to win, then you’re going to end up paying the price that comes with never having paid the price. —Dave * For more ?nancial help, please visit daveramsey.com. Purpose of Meeting: Purchase of a Maintainer Announcements - 1200 Events DONATE The Vermillion First United Methodist Church, a welcome place reaching out to all God’s people. Located at 16 N. Dakota St., Sunday School 9:15am, Worship 10:20am. Call 624-2179 for more info. Pastor Brook R. McBride. TRINITY LUTHERAN CHURCH, 816 E. Clark, 624-4442: WORSHIP: Saturday Evening at 5:30pm; Sunday Morning at 10:00am. Holy Communion on the 1st and 3rd Sunday each month. Sunday School, 9am. Info: www.trinityvermillion.org Unitarian Universalist "The Uncommon Denomination." Services are the first and third Sunday of each month at 7 p.m. in the basement of the United Church of Christ, 226 E. Main. Child care services and refreshments provided. All welcome. Info: www.unitarianvermillion.blogspot.com UNITED CHURCH OF CHRIST CONGREGATIONAL, 226 E. Main St., Pastor Steve Miller. 9:30a.m. Worship Service. No Longer S t r a n g e r s www.uccvermillion.org Vermillion Alcoholics Anonymous Group: A fellowship of men and women banded together to help each other recover from alcoholism. Meetings are held in the Post Office basement. Closed AA on Tuesday, 8 p.m. Closed AA on Friday, 8 p.m. VISUALLY IMPAIRED meeting, 1:00 every second Monday of the month. For information 605-624-4063 or 605-653-1000. WANT TO ADVERTISE TO THE MIDWEST? Place your classified ads in the Midwest Classified Network anytime online at www.midwestfreeclassifieds.com (MCN) 1200 Cars CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! We're Local! 7 Days/Week. Call Toll Free: 1-888-779-6495. nani Spirit Mound Township Meeting Tuesday, July 19 • 7:30PM July 5, 2011 We D e s i g n We b S i t e s ! 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Attorney at Law utter Cl Childcare Providers Buying ATVs, jetskies, motorcycles, and snowmobiles. Prefer projects. Will pick up. Call (402)371-7002. P.O. Box 357 • 201 W. Cherry • Vermillion, SD 57069 • Phone: 605-624-4429 Into 1445 Motorcycles Jonathan M. Edwards Turn Your Sucker Rod & Pipe. All sizes for fencing and manufacturing. Menno, SD. (605)387-5660 (605)661-5050. nani DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 888-757-6941 (MCN) Agriculture 4WD QUALITY OFF-ROAD MINI TRUCKS FOR SALE 40MPG automotive engine, HEATER, full FUNCTION Cabs & more, several models to choose from. www.ulmerf a r m s e r v i c e . c o m (605)387-5660 or (605)661-5050, Menno, SD. 605.741.5040 Roofing - Siding DW Construction: Roofing/shingling, metal siding, vinyl/metal hard board. Free estimates, work guaranteed. 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