Hour 2: Aired on Monday, April 18, 2016

- Dave welcomes Rachel Cruze to the show to talk about the launch of her new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Adam (Stillwater, OK) asks if he should pause his debt snowball since he's coming out of a divorce.

- Clay (Laurel, MS) is mentoring his 16-year-old son on budgeting.

- Dave and Rachel go over some of the seven money habits.

- Amy (Dayton, OH) screams that she's debt-free after paying off $98,000 in 38 months!

- Dave talks about the $55,000 Financial Literacy Challenge for high school students and the Teacher Appreciation Giveaway, both sponsored by Zander Insurance. You can take the Challenge or enter the Giveaway at daveramsey.com.

- Zack (Seattle) has become a landlord by default and asks if he should keep or sell the property.

- Tobin (Tri-Cities, WA) says his wife doesn't want to cut the credit cards up.