Hour 1: Aired on Thursday, July 28, 2016

- Kyle (Salt Lake City, UT) doesn't get an employer match on his 401(k) and wonders what his best option is.

- Emily (Elkhart, IN) wants to know if she should put her son into day care.

- Dave talks about the great back-to-school deals now at the online store at DaveRamsey.com.

- Kathy (South Bend, IN) asks if it's time to sell her farm.

- Amanda (Kansas City, MO) has four kids under the age of four and wonders if either she or her husband should get a second job.

- Andrew and Sara (Austin, TX) are debt-free after paying off $153,000 in 42 months.

- Robert (Kansas City, MO) needs to know if Dave recommends investing in a Roth 401(k).

- Donnie (Joplin, MO) wants Dave's opinion of a beneficiary deed instead of a will.

- Stephen (Lexington, KY) wonders how to buy real estate.

- Dave reads a Twitter question about counting the employer contribution toward the 15% in Baby Step 4.