Hour 2: Aired on Wednesday, September 21, 2016

- Julie (Baton Rouge) needs to talk her mom out of a reverse mortgage.

- Jason (Salt Lake City) asks about difference between a trust and a will.

- Dave answers Gary’s Twitter question. What percentage of his income should he spend on insurance premiums?

- Jennifer (Idaho Falls, ID) is wondering about the difference between a traditional 401(k) and a Roth 401(k).

- Barry (Kansas City, MO) asks if 0% car loans are okay.

- Nikki (Columbus, GA) gives her debt-free scream. She paid off $56,000 in only two and a half years.

- Dave answers Jane’s question from Facebook. Does she need life insurance if she has no dependents?

- Dave answers Cassandra’s question from Facebook. If your car is paid off, should you carry full coverage on it?

- Dave answers Raj’s Twitter question. What amount does Dave recommend he contribute to college funds for kids ages 16 and 13?

- Gerta (Phoenix, AZ) says someone wants to lease a property she owns. How much should she charge and how does she set it up?

- Anna (Albany, NY) cleans houses with her husband for a living. How can they formally market themselves as a business?