Hour 2: Aired on Thursday, June 23, 2016

- John (Knoxville, TN) wants to know how much he needs to live comfortably in retirement. 

- Margaret (Los Angeles, CA) asks Dave about his financial advice for a teacher. 

- Brooke (San Diego, CA) has a question about her universal life insurance policy.

- Dave talks about our new YouTube series called “Turning Point.”

- Ryan (Kalamazoo, MI) says he’s debt free but still broke. He asks Dave about beginning to save for retirement. 

- Christal (Las Vegas, NV) says she disagrees with her husband on whether to sell one of their rental homes. 

- Dave answers Twitter questions about medical emergencies, Christmas budgeting on Baby Step 2, and whether a teenager should pay to fix their car after a wreck. 

- Ryan and Michelle (Milwaukee, WI) paid off $65,000 in 19 months and are in the lobby to shout, “We’re debt free!”

- Roy (St Louis, MO) wants to know if he should change jobs. 

- Carol (Phoenix, AZ) is a single mom with two remaining debts and wants to know what to do with her money. 

- Amy (Dayton, OH) asks Dave how to calculate depreciation on a rental. 

- Shalene (Spokane, WA) is 50 years old with no assets and doesn’t like the idea of merging accounts with her new husband.