Hour 2: Aired on Monday, July 18, 2016

- Delia (Philadelphia) has a question about using her savings to pay her student loan.

- Bud (San Antonio, TX) wants to know if he should take a lump sum payout from his pension fund.

- Dave talks about our YouTube channel.

- Rachel (Indianapolis) wonders if a health savings account is considered an investment.

- Katelyn (Colorado Springs, CO) says her husband has been unemployed for six months and wants to go back to school.

- Mark and Jessica (Indianapolis) are debt-free after paying off $28,000 in one year!

- Dave promotes our free online budgeting tool, EveryDollar.

- Dave talks about the free 14-Day Money Finder tool on RachelCruze.com.

- Abe (Memphis, TN) wants to know how to budget when he earns a low income.

- Jess (Springfield, MA) wonders if she should consolidate her student loans.

- Dave goes on a rant about how you change your life when you realize you're the problem.