This week's episode of Life, Money and Hope with Chris Brown encourages listeners to choose joy no matter the circumstances. Chris responds to listener calls and emails. (5:30) Jenny and her husband recently paid off a credit card but disagree over whether or not they should cancel it; Andrea wonders if a new ER bill should be added to the debt snowball or partially paid for with the emergency fund; and Charlie and his wife are saving for a down payment on a home in Los Angeles and want to know if they shou