Hour 1: Aired on Thursday, May 12, 2016

- Angela (Spokane, WA) and her husband don't have much in their IRAs and she wonders if they should use their rental income for their retirement income.

- Brendan (Phoenix) wants to know how to budget on an irregular income.

- Dave reads emails and tweets from listeners. The first wants to know if there is ever a time when it's okay to have a car payment.

- Brian asks if he should buy life insurance on his wife, who is a stay-at-home mom, and the kids.

- Greg asks Dave what he thinks of smartphones.

- A listener wonders if you can use the emergency fund to cash-flow your monthly budget and replenish it as your paycheck comes in.

- Bob (Indianapolis) asks if he should renew his long-term care insurance or switch policies since his current premiums went up 21%.

- Dave talks for a few minutes about how you should work to be a millionaire like the previous caller, and how ChrisHogan360.com and the R:IQ tool can help.

- Benny (Danville, IL) wonders if he should file bankruptcy since he has $32,000 in debt with a $30,000-$40,000 income.

- Dave reads a Twitter question from Shelly, who wants to know if the Bible instructs companies to tithe.