Want to know what to do when a friend owes you money? Here's what to do

Dear Pay Dirt: My husband and I have separate bank accounts and split expenses down the middle.

My husband's salary has tripled in the past four years , but he refuses to pay half of the tax bill.

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My kids deserve a home, but I'm in massive student loan debt.

I'm thinking about getting a second job for six months to save for the down payment.

Your kids have a home and it's built around you, not the structure you live in.

Homeownership is often treated as a virtue in America , but it's an amoral financial decision.