Hour 1: Aired on Tuesday, April 5, 2016

- Francisco (Albuquerque, NM) wonders if he should borrow from his 401(k).

- Dave reads a Twitter question from Teresa, who asks the best way to teach a child how to be a giver.

- Dave talks about the Teacher Appreciation Giveaway, sponsored by Zander Insurance, and how you can enter at daveramsey.com/teacher.

- Jonathan and Kimberly (Hartselle, AL) are debt-free after paying off $93,000 in seven years and two months!

- Kimmy (Augusta, GA) has $2,000 in company stock and questions if it's all right to cash it out to begin the Baby Steps.

- Joshua (Oklahoma City, OK) is living with his mom and driving her car and will need to pay expenses on that car when he moves.

- Amanda (Huntsville, AL) wants to know how to pay for $28,000 in foundation repairs while working the Baby Steps.

- John (Baton Rouge, LA) asks how to buy rentals without financing.