Dave answers questions from across America on investing while in debt, paying off HELOCs, and how much to keep in an emergency savings fund. Debt-Free Scream: A family from Missouri visits the show to share how it feels to be after paying off their mortgage in just over 2 years: "It just feels like a weight has been lifted off. We don't owe anybody anything!" Dave discusses the new legislation that allows you to freeze your credit: "It's a partial block against some types of fraud." 

 

Learn How You CAN Win With Money:

• Learn to live more and worry less with Smart Money.
• Decide to live smarter at the Smart Conference.

 

Featured Calls:

• How much should we invest in our 401(k) while we're paying down debt?
• When should we pay off our HELOC?
• Should I use my savings to pay off my mortgage?
• Is freezing your credit a good idea?

 

Special Offer: Get your step‑by‑step plan to get rid of your debt and become a millionaire with the Everyday Millionaires + The Total Money Makeover audio bundle.

 

Also Mentioned in This Episode:

• Get out of debt with Financial Peace University.
• Learn the steps to take control of your money with The Total Money Makeover.
• Refinance with Churchill Mortgage.
• Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired.
• Discover three essentials for business success at the FREE Business Boutique Workshop.
• Protect your identity with Identity Theft Protection by Zander.

 

Listen and Watch

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Using Google Play? Find Links Below: 

• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9
• Churchill Mortgage: https://www.churchillmortgage.com/
• Everyday Millionaires + The Total Money Makeover audio bundle: https://goo.gl/6DK72w
• Retire Inspired: https://goo.gl/LL1RMU
• Business Boutique Workshop: https://goo.gl/aA66Pt
• Zander Identity Theft: https://www.zanderins.com/idtheft2
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app