Dave explains that sometimes your main motivation is simply retiring with dignity. Also, Dave shares his opinion on hobby investing and the get-rich-quick mentality. A family of "weird people" visits Dave in the studio to yell, "We're DEBT-FREE!" Dave helps a stay-at-home mom decide whether to go back to work and warns against over-buying insurance.

Featured Calls:

• Rose: I'm having a hard time staying motivated because the budget is so sparse.
• Zack: What are your thoughts on peer-to-peer lending?
• Diego: Should I use my girlfriend's income to pay off the house?
• Debt-Free Scream: Dustin and Tricia paid off  the last $80,000 of their mortgage in less than a year!
• Heavenly: How can we pay off our last debt if I stay home?

Win With Money:

• The Total Money Makeover: https://goo.gl/jNEJM9 
• EveryDollar makes budgeting easy: https://goo.gl/j2acMb
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• EntreLeadership 1-Day Event: https://goo.gl/MnJPRZ
• RIQ tool:  https://www.chrishogan360.com/
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Business Boutique: https://goo.gl/aA66Pt
• Zander Insurance: https://goo.gl/4UuvVL

Dave discusses the research that proves people spend way less money when they pay with cash. Dave explains what an emergency fund is and how much money to keep in your bank as a "buffer." A non-Christian asks if he should feel guilty for not tithing 10%. A young couple from Alaska calls Dave to yell, "I'm DEBT-FREE!" At the end of the show, Dave gives a shout-out to the Nashville Predators and (more importantly) to his son and daughter-in-law-to-be!

Featured Calls:

• Josh: Do I really need to save $1,000 in Baby Step 1?
• Brantley: Should I tithe as a non-Christian?
• Debt-Free Scream: Randy and Sarah paid off $195,000—including the house—after reading The Total Money Makeover!
• Taylor: How long should we rent before we buy?

Win With Money:

• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9 
• EveryDollar makes budgeting easy: https://goo.gl/j2acMb
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• Take the $20,000 Financial Literacy Challenge: https://goo.gl/nrkNtr
• Business Boutique Academy: https://goo.gl/aA66Pt
• Financial Peace University: https://goo.gl/Ui6MDT

Dave answers questions about refinancing mortgages, old 401(K)s and risky Airbnbs. Fan Favorite: Dave Reads Mean Tweets! A couple comes all the way from Florida to visit Dave in the studio and scream, "We're DEBT-FREE!" Dave explains what formula to follow when deciding to go full time with your side-hustle.

Featured Calls:

• Nick: Refinance to a 20-year mortgage?
• Sharon: What should I do with an old 401(k)?
• Susie: Keep our rental as an Airbnb?
• Debt-Free Scream: Kenny and Nancy paid off over $86K in less than two years. "We definitely wanted to change our family tree."
• Jean: Is a CD the best way to save for retirement?
• Josh: When can I quit my job to go full time with my own business?

Get Out of Debt:

• The Total Money Makeover: https://goo.gl/jNEJM9 
• Financial Peace University: https://goo.gl/Ui6MDT
• EveryDollar makes budgeting easy: https://goo.gl/j2acMb
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V The Small-Business Guide for Teens.
• Take the $20,000 Financial Literacy Challenge: https://goo.gl/nrkNtr
• Teacher Appreciation Giveaway: https://goo.gl/u3rAar
• SmartVestor Pro: https://goo.gl/W5QDi5

Dave helps callers understand what it takes to change the "normal" in their lives and gives practical advice on budgeting, addressing money problems in marriage, borrowing money and retirement.

Featured Calls:

• Vanessa: Can I afford my New York apartment?
• Jason: Money is at the root of my marriage-in-crisis.
• Sam: Should I get another lower-interest loan to pay off another loan?
• John: Am I set for retirement? 

Get Out of Debt for Good:

• The Total Money Makeover: https://goo.gl/jNEJM9 
• The Baby Steps Bundle: https://goo.gl/qSUhwN
• Financial Peace University: https://goo.gl/Ui6MDT

Dave Also Mentioned:

• Teen Entrepreneur Toolbox:  https://goo.gl/8gZf3V 
• Become a FPU Coordinator: https://goo.gl/zhrmcD Help people win with money!

Dave answers questions from callers about switching jobs, selling a rental property, how to stick to a budget, and investing in mutual funds. Also, Dave gives practical advice about house payments, long-term care insurance, saving for college and when to use a real estate agent.

Featured Calls:

• Kimberly: Should I take a 50% pay cut for a job I'm passionate about?
• Carlo: My rental won't sell.
• Megan: How do I budget with an inconsistent income?
• Hank: I'm a college student ready to invest. What should I do?
• Jordan: Our budget is strained by our PMI.
• Julie: Is my mom too old for long-term care insurance?
• Joe: Is it necessary to get a real estate agent?

Win With Money:

• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9 
• EveryDollar makes budgeting easy: https://goo.gl/j2acMb
• SmartVestor Pros: https://goo.gl/W5QDi5

Dave Also Mentioned:

• Long-Term Care insurance ELP: https://goo.gl/t8Pmr6

Dave gives practical advice on the right way to save for college, dealing with collectors who act like toddlers, when to talk about money and debt before getting married, and saving a down payment for a house. A couple traveled all the way from Texas to visit Dave in the studio to yell, "I'm DEBT-FREE!"

Featured Calls:

• Joe: How do I handle a collector asking for personal information?
• Dan: Struggling to reach 15% in Baby Step 4.
• Greg: How do I talk to my fiancee about debt?
• Debt-Free Scream: Ivan and Lulu paid off their mortgage!  
• Jesse: Can I cancel a debt consolidation?

Win With Money:

• The Total Money Makeover: https://goo.gl/jNEJM9 
• Budgeting Just Got Easy with EveryDollar: https://goo.gl/j2acMb
• The Baby Steps Bundle: https://goo.gl/qSUhwN
• Financial Peace University: https://goo.gl/Ui6MDT
• Churchill Mortgage: https://goo.gl/zSoKGj
• Retire Inspired: https://goo.gl/LL1RMU

Dave Also Mentioned:

• SmartDollar: https://goo.gl/WCNcRq
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Business Boutique Academy: https://goo.gl/aA66Pt

Dave rants about America's $1 trillion obsession with cars and car debt: "It's stupid on steroids!" Also, Dave explains mutual funds, why term life insurance is better than whole life, how to get out of debt quickly and the best way to become a financial advisor. Dave shares personal insight on what it takes to start a small business.

Featured Calls:

• Brian: When do we split a 529 into other mutual funds?
• Eric: Should I convert to whole life insurance?
• Jane: Is it smarter to invest before we pay off debt?
• Moses: Are solar panels a wise investment?
• Dustin: What does it take to become a financial advisor?
• Michael: How do I start my own business?

Win With Money:

• The Total Money Makeover: https://goo.gl/jNEJM9 
• Financial Peace University: https://goo.gl/Ui6MDT
• EveryDollar makes budgeting easy: https://goo.gl/j2acMb
• SmartVestor Pros: https://goo.gl/W5QDi5

Dave Also Mentioned:

• Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• EntreLeadership: https://goo.gl/pJ1kyc
• Use a Tax Pro: https://goo.gl/jsHVJG

Dave talks about how absurd it is to invest student loan money in Bitcoin. (SPIRITED DAVE RANT!) Dave answers questions about how to do a real estate market analysis, how to invest wisely, car repairs, and budget percentages. Also, Dave talks about the retirement crisis in America.

Featured Calls:

• Tyler: About to start my Ph.D. Should I rent or buy?
• Jennifer: Should I pay off my mortgage with an inherited IRA? 
• Alex: Should I apply an insurance settlement toward my debt?
• James: The dealership says I need $7K in repairs.
• Chrissy: Are HOA fees part of the 25% formula you use?
• Micaiah: I'm not sure how I'll pay for college this fall.

Dave's Hiring:

• Check out opportunities here: https://goo.gl/19kxP3

Dave Also Mentioned:

• Find a Top Real Estate Agent: https://goo.gl/Cu4CRr
• SmartVestor Pro: https://goo.gl/W5QDi5
• START: https://goo.gl/Ura6EK
• Take the $20,000 Financial Literacy Challenge: https://goo.gl/nrkNtr
• Retirement IQ: https://www.chrishogan360.com/

Dave answers questions about long-term care insurance, how to dig out of car debt, knowing when to buy or repair a car, and when to buy rental property. Also, Dave helps a caller sift through how to help her parents' who lost $1 million to family. Dave explains the Baby Steps and how to invest your money for college and retirement.

Featured Calls:

• Renata: Do I have enough money to self-insure?
• Rachel: We're $18K upside down on a car and can't seem to make progress on the debt snowball!
• Peggy: Should we buy a new car or repair the one we have?
• Curtis: Buy a new house and rent the old one?
• Martha: Am I saving enough for retirement?
• Renee: My sister stole my parents' identity and left them broke.
• Aaron: Should we take out a home equity loan to renovate our house before my wife has triplets?

Learn the Baby Steps:

• The Total Money Makeover: https://goo.gl/jNEJM9
• The Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• Business Boutique Academy: https://goo.gl/aA66Pt
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Teen Entrepreneur Toolbox:  https://goo.gl/8gZf3V
• Find a Top Real Estate Agent: https://goo.gl/Cu4CRr
• SmartVestor Pro: https://goo.gl/W5QDi5

Dave explains why some people shouldn't spend money on life insurance and how much long-term care insurance to buy. An older couple from Missouri visits Dave in the studio to share their story and yell, "We're DEBT-FREE!"

Featured Calls:

• Maureen: Is pension considered net worth?
• Erica: Am I too old for term life insurance?
• Michelle: How do I find an old life insurance policy?
• Debt-Free Scream: Greg and Pamela paid off $39K in 9 months! "We wanted to die without any debt."
• Suzanne: Should I sell my house and invest the money?
• June: How do I know when it's a good time bring a new partner into my practice?

Win With Money:

• Budgeting just got easy EveryDollar: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT 
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• Search for old insurance policies: naic.com