Hour 1: Aired on Thursday, July 7, 2016

- Michelle (Harrisburg, PA) asks if she should save her emergency fund or pay off a home equity line of credit.

- Ryan (Pensacola, FL) wonders how to close his credit card accounts.

- Gail (Baltimore) wants to know if she should consider bankruptcy on her $149,000 in debt.

- Dave promotes next year's EntreLeadership Summit event in Orlando and announces a new speaker, Robert Herjavec!

- Adrian (Detroit) asks if she should open a Roth IRA for her 10-month-old child who earned income from being in a TV commercial.

- Tori (Lexington, KY) needs to know how to get out of a tote-the-note loan.

- Brinna and James (Kansas City, MO) are excited to scream that they've paid off $120,000 in seven years and are now debt-free!

- Kim (Roanoke, VA) wonders if she should make her 7-year-old son do chores or let him miss out on the commission for not doing them.

- Dave (Cincinnati) wants to know if he should take a pension as a lump sum.

- Dave talks about the R:IQ investment calculator and encourages listeners to learn their R:IQ at ChrisHogan360.com.

- James (Oklahoma City, OK) has paid off his vehicles and asks if he should reduce his insurance to save money to buy the next car.