Hour 1: Aired on Friday, February 10, 2017

- Javier (Phoenix, AZ) can't get collectors to send the settlement offer in writing. 

- Nicole (Fredericksburg, VA) recently discovered they're only paying interest on her husband's student loans. 

- Dave answers Collette's question from Twitter. What does Dave mean by "live on beans and rice, rice and beans?"

- Scott and Addie (Indianapolis, IN) do their debt-free scream from the lobby. They paid off $63,000 in 20 months. 

- Paul (Wichita, KS) asks about rolling over a Roth IRA.

- Dave answers the Blinds.com question of the day. Christina only has one debt that's six years old. Should she let it roll off of her credit report?

- Tyler (Boston, MA) needs to know how to increase his income to get out of debt faster. 

- Penny (St. Joseph, MO) owes $14,000 in medical bills from a car accident on the job. 

- Dave talks about Chris Hogan's best-selling book, "Retire Inspired."

- Tanya (Hartford, CT) has an 11-year-old car with high miles. Should she keep maintaining that one or buy a new one?

- Mike (Los Angeles) asks if his rent is too expensive.

- Dave answers Ashley's question from Twitter. How do you help a friend overcome an "I'm too broke to do a budget" mind-set?