Hour 2: Aired on Wednesday, June 22, 2016

- Diane (Las Cruces, NM) says her financial advisor fears that the market will crash.

- Luke (Rochester, MN) asks what Dave thinks about a community college giving a $500 emergency fund to a student if they show financial hardship.

- Justin (Louisville, KY) wonders if he should sell his house and move to an apartment that would be rent-free.

- Gina (Fort Smith, AR) asks if she should sell rental property to pay down debt.

- Lauren (Tacoma, WA) wonders if Dave has a preference between banks and credit unions.

- Dave reads a Facebook question from John, who asks about term life insurance versus whole life.

- Andrew and Amanda (Hershey, PA) are debt-free after paying off $67,000 in 25 months!

- Jennifer (Sacramento, CA) got an $18,000 windfall and wants to know the best to use the money.

- Melissa (Manchester, NH) says her emergency fund is depleted after helping family. She wonders at what point do you say no.

- Jared (Tupelo, MS) wants to sell his house and wonders if he should use extra money to attack the mortgage or improve the house.

- Dave talks about the debut of Chris Hogan's Retire Inspired podcast.