Hi Barefoot, I am a financial scaredy cat with no idea! I am 34, my partner is 24, and we are awaiting her permanent residency to come through as she is English.

Hi Scott, I am writing this because my wife told me last night that she has run up a large credit card debt (the figure she will not say). We are both in our mid-forties, earning $80k and $65k.

Hi Barefoot I have an SMSF with $2 million in cash and shares. I visited a financial planner and was recommended a plan that would cost $1,100 to draw up.

Hi Scott,Last week's column about the ‘$40,000 phone call’ got me thinking. I had heard before about ringing the banks to get them to renegotiate, but I’d always been too nervous to do it.

Scott,It's disappointing you perpetuate the attitude of dumping dogs at the pound for misbehaving one too many times. I don’t know if it’s about your ‘country lad off the farm’ persona.

Hi Scott, My partner has informed me he has a tax debt of $260k and that it has been placed in the hands of the debt collectors. He also has $30k in credit card debt.

Hi Scott, My husband and I recently received an inheritance, which we have used to pay off our home loan -- which is obviously great. We are ready to discharge the mortgage and get the title deeds to our home back from the bank.

Barefoot, We’re in trouble! We are currently trying to sell our house for $455k.

Hi Scott, I am a 46-year-old single mum of two teenage kids. I bought my home six months ago for $380k and had $10k left in the bank.

Hello, I emailed some time ago asking what ‘invoice funding’ is but never got a reply. Can you please tell me what it is, as I am considering it but want to make sure first.

Hi Barefoot, My mum wants to subdivide her valuable block (worth about $1 million) and build a multi-generational home for herself and my family. Emotionally this would be good for all of us.

Hi Scott, I’m angry. Why are 15-year-old kids working at Macca’s forced by their super funds to hold life insurance?

Hi Barefoot, I’ve recently moved back to New Zealand. I was wondering what the NZ equivalent of AFIC is, as I am going to begin my NZ share portfolio.

Scott, My mother is 73, on a pension, with limited savings after her divorce. She lives with me and my husband (we’re newly married) in our rental -- in a granny flat underneath.

Barefoot, I keep seeing proof of financial advisors contradicting themselves. Another example of this was in last weekend’s newspaper, where one broker had a ‘BUY’ on Cochlear and another had a ‘SELL’ on Cochlear!

Hi Barefoot, My husband and I are Aussies currently living and working in Cambodia on a combined income of $1,500 a month. We own a property in the suburbs of Melbourne worth $450k, with a $307k mortgage and rental income of $1,564 before expenses.

Scott, I am reading a lot about an imminent crash on the US stock market dated to occur on 28 May due to the debt level of the US economy. As a self-funded retiree, you can imagine my concern.