Question: My wife and I would like to begin investing, but we find it hard to generate the money to do so. Can you help us? Response: I suggest you get in contact with either the Dave Ramsey organization (www.daveramsey.org) or Crown Financial Ministries (www.crown.org). When you do you will discover that it’s best for you to (1) Establish and live on a budget. (2) Establish an emergency fund in cash at a local bank. (3) Be debt free except for your home. Only then should you consider investing and only if you find a credible investment counselor who is willing to teach you how to invest, not just invest your money for you.