- Mike (San Antonio) wonders if he should reorganize his Baby Steps since he owes less on his mortgage than his cars and credit cards.

- Rees (Billings, MT) wants to know how to invest the $60,000 he has in the bank since he's joining the Air Force.

- Kevin (Phoenix) is retiring in less than four years and asks if he should use his 401(k) to pay off his house.

- Tom (Jacksonville, FL) says his parents are living off a 401(k).

- Jenny (Akron, OH) wonders if she should take a friend's offer to live rent-free for four months by house-sitting.

- Kathy (Oklahoma City, OK) is worried that the $25,000 settlement her college-age son is receiving will affect his financial aid.

- Shalene (Asheville, NC) says the cost to repair her car is more than the car is worth.

- Matthew and Catherine (Louisville, KY) are debt-free after paying off $30,000 in 18 months!

- LaShonda (Winston-Salem, NC) wants to be independent and move out of her parents’ house, but she has children and a limited income.

- Dave reads the Scripture and quote of the day.

- Dave talks about Chris Brown's radio show Chris Brown's True Stewardship.

- Ronnie (Denver) wonders how to get a business license.

- Susan (Hampton, VA) asks how much she needs to keep in the emergency fund.

- Matthew (Tucson, AZ) thinks Dave's plan won't work for him since he earns $45,000 a year.