Hour 1: Aired on Monday, June 20, 2016

- Erica (St. Petersburg, FL) says her company wants her to use a credit card to travel.

- B.J. and Shelby (Bowling Green, KY) are excited to scream that they've paid off $40,000 in a year and are now debt-free!

- Andrea (Seattle) says her husband has no credit score and wonders if they should put their mortgage in her name to get a better rate.

- Lance (Des Moines, IA) was laid off recently and wonders if he should continue paying on his debt snowball or pile up cash.

- Chuck (Orlando) is getting a $40,000 windfall and asks if he should pay off debt or use the money to pursue a product he invented.

- Dave encourages listeners to attend the Smart Money Smart Kids class.

- Dave reads the Blinds.com question of the day from Dan, who saved $30,000 for a kitchen renovation but has another idea for what to do with the money.

- Bethany (Manhattan, KS) has a farm to pay off and asks which Baby Step she's on.