Hour 1: Aired on Thursday, May 5, 2016

- Dave talks about the Smart Conference in Los Angeles coming up on Saturday.

- Dave announces the dates and cities (Atlanta and Houston) for the Smart Conference events in the fall.

- Jason (San Francisco) wants to know if his sister who is ill has bad insurance coverage.

- Barrett and Mo (San Antonio, TX) are debt-free after paying off $220,000 in six years and 10 months!

- Sissy (Chattanooga, TN) asks if she should sell her late husband's car.

- Dave reads a Twitter question from Ben, who wonders if he should use cash or his debit card for groceries.

- Bob (Springfield, IL) thinks bankruptcy is a viable tool and asks Dave if he recommends it.

- Sarah (Salt Lake City, UT) wants to know if she should focus on Baby Step 3 or start saving for retirement.

- Joe (San Antonio, TX) asks if he should consider annuities since he is retiring soon with a $750,000 nest egg.

- Lindley and Evangeline (Houston) have paid off $400,000 in debt in eight years, including their home, and are debt-free!

- Josh (Roanoke, VA) wants to know how to set up an estate plan to include a family trust for his children in case he and his wife die.

- Dave talks about Rachel Cruze's new book "Love Your Life Not Theirs: 7 Money Habits for Living the Life You Want."

- Dave talks about the Smart Conference.