Hour 1: Aired on Wednesday, August 24, 2016

- Terry (Portland, OR) is a freelance writer who needs to determine a reasonable salary to draw from her business.

- Greg (San Francisco) wants to challenge a court ruling that involves his wife paying her ex-husband's student loans.

- Cynthia (Los Angeles) wonders if she can negotiate on the various debts she owes.

- Matt (Greenville, SC) has a question about using a health savings account while he’s in Baby Step 2.

- Dave invites listeners to use our free online budgeting tool, EveryDollar.

- Jim and Bridget (Little Rock, AR) are debt-free after paying off an incredible $350,000 in debt in six years!

- Jennifer (Winston-Salem, NC) is inheriting money but doesn't trust her husband to help her manage it well.

- Scott and Carrie (Stevens Point, WI) ask if they should pay off their house or put the money toward a new home.

- Dave reads the Blinds.com question of the day from Tyler, who wonders where he should keep his emergency fund.

- Nicole (Nashville) has $100,000 in student loan debt but wants to go back to school for a different degree.