Hi Scott You have strongly suggested (and The Checkout and Choice agree with you) that homeowners should get a ‘total replacement’ policy. So, being the devoted follower I am, I spent my morning looking into it.

Hi Scott My question is simple, though I know your answer may not be. What do you think will happen with negative gearing?

Hi Scott I am recently retired and I have topped up my Australian Super to $400k and put $1,050,000 into my SMSF. I will also have a part of $1.

Scott, I’m a recently divorced dad with a legal bill of $40k (lawyers are dogs!) and a credit card debt of $20k.

Hi Barefoot, My wife and I are 39 and have three kids. I am the sole breadwinner, earning $80k plus super, and we live rent-free as part of my job.

Hi Scott,I'm 33, a consultant in relatively solid employment and have had some recent solid years of income, the immediate future looks bright. I have $500k in cash and would prefer to keep my cash liquid, out of the property market and in the sharemarket.

Hi Barefoot,We've just got married, and are looking to start our family quick smart (we're both 35). However, I'm concerned about servicing our current debts.

Hi Scott, I have a query about building up an emergency fund of 3 months salary (Mojo). My partner and I earn roughly the same income.

Scott,I didn't know whether to laugh or cry when I read your answer to 'My Dream Home' (31st of January). You told Jody that her husband's wage of $45k "isn't going to cut it".

Hi Barefoot, How can I teach my 13-year-old daughter the value of money? She will not stop asking for an iPhone 6s.

Hi Scott, I have just signed up for my first mortgage at the age of 56. I saved $110k over 10 years and borrowed $175k.

Dear Scott, I love reading your columns and would love your advice on what to do. I’m married with two boys (one newborn) and we have savings of $12k, with no debt.

Hi Scott, My husband earns $150k, which is a lot of money, yet with four kids aged 10-19 we are still struggling. We have lived modestly for the last three years and are better for it.

Hi Scott, I recently wrote to you about whether to sell my one-bedroom unit in a reputable bayside suburb and invest the money, with a view to buying a ‘home’ in 3-5 years. Unexpectedly, nobody turned up for the auction, not even a nosy neighbour.

Hi Scott, My wife and I are 60 and 62. About a year ago (many years too late!

Hi Scott, My husband works full time earning $87,526.00 p.

Hi Scott, I’m completely stressed out. My husband and I are planning on building our new home, and we’re worried that we won’t have enough money when the build is over (let alone now!