Hour 1: Aired on Thursday, October 13, 2016

- Roy (West Palm Beach, FL) asks Dave if it makes sense to use retirement funds to pay for a house.

- Jessica (Kansas City, KS) wants to know how to teach her kids to best use the money they are gifted.

- Darrell (Louisville, KY) says his car got totaled and he was already upside down on it. How can he buy a new one?

- Dave talks about Rachel Cruze's new book and designer wallet.

- John (Monterrey, Mexico) wants to know the best way to pay $25,000 in back taxes.

- Allison (South Bend, IN) asks Dave what "accrued interest" means on her student loan statement.

- Ashley (Lafayette, IN) canceled her vacation after starting the Baby Steps, but her plane tickets are non-refundable. What should she do?

- Stephen (Colorado Springs, CO) is debt-free after paying off $74,000 in 17 months!

- Lee (Atlanta, GA) owes the IRS $60,000 and asks Dave for advice.

- In today's Blinds.com question, Jenita wants to know how to budget on a daily housekeeping income.

- Curt (Kansas City, MO) says he and his wife disagree on saving goals. How should he approach that?

- Jim (Sioux Falls, SD) wants to know if he should use money in his Roth IRA to pay off $20,000 of debt.

- Nick on Facebook wants to know Dave's thoughts on automated investing services versus traditional investing.