Hour 2: Aired on Tuesday, July 12, 2016

- Bill (Kansas City, MO) wants to know the first step he should take.

- Dave mentions some of Ramsey Solutions' upcoming live events.

- Gregg and Kim (Dallas) are debt-free after paying off $160,567 in eight and a half years.

- Dave talks about the upcoming Smart Conference dates.

- Carrie (Lubbock, TX) has a question about putting her student loan into her debt snowball.

- Jennifer (Worcester, MA) is excited about Dave's plan and wants to know how to get her husband equally excited.

- Wayne (New Haven, CT) asks if he should fix up his house.

- Andre and Gilda (Dallas) paid off an amazing amount of debt, $405,000 in 54 months, and are now debt-free!

- Colleen (Medford, OR) wonders if she should refinance because a lot of her monthly income goes to the mortgage payment.