Hour 1: Aired on Monday, April 11, 2016

- Dave welcomes Chris Brown to the show.

- Dave and Chris talk about Chris Brown’s True Stewardship as well as Dave's recent trip to Israel.

- Victoria (Bakersfield, CA) asks about using equity from her home to build retirement savings.

- Shane (Pittsburgh) wonders what to do with a savings bond.

- Christian (Atlanta) wants to know how to save while in college.

- Ashley (Memphis, TN) has a question about selling back her personal time off.

- Hector (Austin, TX) asks about working extra for a side business.

- Khang (Portland, OR) wonders about taking out a loan to max out his Roth IRA.

- Shannon (Fort Worth, TX) says her husband has taken loans against his 401(k) and is hiding the money.

- Tracy (Pittsburgh) wants to know if Financial Peace University is a good engagement gift for her adult child.

- Romario (Manchester, CT) asks what type of savings account he needs.

- Hannah (San Bernardino, CA) says her house is in a bad neighborhood.

- Sara (Sacramento, CA) says her insurance didn't cover her car wreck because she used it for work and then canceled the policy.

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

- Dave talks about his upcoming events in Washington, D.C. and the EntreLeadership Summit.