Hour 2: Aired on Monday, June 6, 2016

- Mary (Syracuse, NY) is house-poor and asks if she should refinance.

- Charles (Washington, D.C.) wonders how to pay for expensive dental work.

- Dave welcomes Rachel Cruze to the studio.

- Dave and Rachel discuss budgeting.

- Allison (Scranton, PA) wants to know how to overcome budgeting issues in her marriage.

- Dave and Rachel talk about using EveryDollar to help with budgeting.

- Paul and Amanda (Oklahoma City, OK) are debt-free after paying off $130,000 in 27 months!

- Justin (Milwaukee, WI) is getting some back pay next month and wants to know if he should take the lump sum and use it to pay down debt.

- Robert (San Luis Obispo, CA) wonders how to advise a friend on a loan.

- Dave reads a Twitter question from Gayle, who asks if "return of premium" life insurance is a good idea.