“Now is the time to refinance,” “Invest in company XYZ,” “You can’t trust banks to put your money in a tin can.” It seems as if everywhere you turn these days, someone is offering financial advice. With all the options out there, who is a modern momma to listen to? Here are some of my favorites:

• Dave Ramsey: I know I know, I have chugged the Dave Ramsey Kool-aid. But his Baby Step method works for us. We had the privilege of taking his Financial Peace University classes last summer and they literally changed our lives. Dave is my go-to-guy for all things financial; however, I do also heed the advice of Suze Orman, Larry Burkett, and those at the Crown Financial Ministries.

• The Internet: I love being able to get advice on all areas of finance in one place. I skim CNN money and MSN money daily to keep up with the latest.

• Local experts: We are fortunate enough to have several accountants, brokers, and CFO’s in our church. These fine folks are great to answer a quick question.  It is important to remember not to take advantage of your relationship.  If you are going to need in-depth advice, schedule an appointment with them or offer to take them to lunch to discuss your situation.

• Family: These are probably the most influential people in our lives. They are our first teachers, and they shape our financial habits more than anyone else. These lovely people are also the first to offer advice, which can be a good or a bad thing, depending on your relationship.

As with all advice, balance is important. The best advice is the advice with which you are most comfortable. Who do you get advice from? Please share!

Photo by ohad*