Hour 2: Aired on Monday, July 4, 2016

- Cynthia (Fort Worth, TX) has a question about putting a rental home in Baby Step 2.

- Earl (Kansas City, MO) got a job offer via email and asks if it's a scam.

- Kaitlyn (St. Louis, MO) wonders if she should put $5,500 into a Roth IRA or put it toward a house down payment.

- Caroline (Boston) asks if she should use a PPO or HSA while she has student loan debt.

- Carole (College Station, TX) is in her 70s and needs to know if she should take money out of investments and put it in a money market account.

- Christi (Denver) has paid off $16,000 in five months and is debt-free!

- Mary Ann (Saginaw, MI) is 78 years old and needs money for a new roof but doesn't want to ask her kids for help.

- Tim (Columbus, OH) says his wife wants to do multi-level marketing.