Quick Read Dave Ramsey advised a caller earning $180,000 to split a $3,000 after-tax bonus between emergency fund savings and HELOC debt. The caller’s $40K HELOC balance costs approximately $2,600-$3,400 annually at current 6.5-8.5% interest rates. Ramsey recommended using a delayed honeymoon as motivation to aggressively eliminate the HELOC within roughly 10 months. Investors rethink 'hands off' investing and decide to start making real money When a $7,300 bonus lands in your account, the choice ...