Hour 1: Aired on Monday, August 15, 2016

- Garret (Madison, WI) wants to know if he should ditch his universal life policy and buy term life insurance.

- Nathan (Fort Dodge, IA) wonders how to incorporate an extra check into his budget.

- Dave reads a Twitter question from Christine, who asks if it's biblically wrong to settle a debt for less than is owed.

- Nolan (Salt Lake City, UT) has a question about paying off a credit card versus paying for eye surgery.

- Bryce (Seattle) wants to know if he should take advantage of a student loan reimbursement program with the military.

- Dorine (San Diego) has a problem that involves bankruptcy.

- Tim and Tara (Kansas City, KS) have done an incredible job paying off $200,700 in one year to become debt-free!

- Dave promotes the upcoming Smart Conferences in Atlanta and Houston.

- Andrea (Charleston, SC) asks about starting a new business.

- Philip (Charleston, SC) needs to know how to get rid of his car.

- Dave reads the Blinds.com question of the day from Phillip, who is worried about getting burned out on budgeting.