Hour 1: Aired on Thursday, June 9, 2016

- Dave talks about his rich friend who drives an old car. He then talks about people who drive expensive cars that are beyond their budgets.

- Tina (Reno, NV) asks if she should catch up on her truck payments before starting the Baby Steps.

- Justin (Kansas City, MO) says the state contacted him and said he owes back unemployment pay.

- Bill (Waterbury, CT) wonders if he should convert his investment account to an annuity so he can get an income stream.

- Jason and Nichole (Charlotte, NC) are debt-free after paying off $64,000 in 22 months!

- Brian (San Antonio, TX) asks if he should enroll in the Public Service Loan Forgiveness program.

- Marcus (Seattle) wants to know if he should sell, rent, or stay.

- Jennifer (Philadelphia) wonders if she should pay for her mom's long-term care insurance.

- Dave reads a Facebook question from Denise, who asks if she should tithe on her gross or net income.