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

Dave gives callers practical and specific advice about investing options, career choices, and refinancing a mortgage. A single mom calls in at the end of her rope—Dave gives her hope to fight her way out of debt!  

Featured Calls:

• J.J.: Invest in my company's 457 account?
• Robert: I need help choosing between two job opportunities.
• Patty: We're getting close to retirement. Should we refinance our home? 
• Takisha: I'm frustrated, irritated and disgusted! My rent keeps going up, and I can't get ahead.
• Brandon: Is it worth the money to buy points on a mortgage?

Get Out of Debt:

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

Dave Also Mentioned:

• Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V
• SmartVestor: https://goo.gl/W5QDi5

Dave helps callers understand the basics of investing in ESAs and the benefit of focusing on one financial goal at a time. A young college student drops by the studio to ask Dave how she should handle her extra money. Dave gives insight on the number one thing that helps people succeed on the path to wealth. (DAVE RANT!)

Featured Calls:

• Sue: Where should I put savings for my grandkids?
• Peter: We're newlyweds with student loan debt, but we want to buy a home.
• Kelly: Why don't you recommend ETFs?

Win With Money:

• Investing made easy with SmartVestor: https://goo.gl/W5QDi5
• EveryDollar budgeting app: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9 

Dave Also Mentioned:

• Teen Entrepreneur Toolbox:  https://goo.gl/8gZf3V
• The Graduate Survival Guide: https://goo.gl/PiMYjj

Dave answers calls about compound interest, saving for emergencies, rising mortgage interest rates, and private school tuition. A 30-year-old firefighter from Georgia visits Dave in the studio to yell, "I'm DEBT-FREE!" 

Featured Calls:

• Derek: How long should I stay in Baby Step 3b?
• Aaron: Should we downsize?
• Josh: Should we pay for private school?
• Debt-Free Scream: Joshua paid off $130K after attending Financial Peace University! "Me and my dog just live it up! He gets so many treats now!"
• Nicole: I'm getting married next year. When should we buy a house?

Win With Money:

• Financial Peace University: https://goo.gl/Ui6MDT 
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor Pro: https://goo.gl/W5QDi5 
• The Total Money Makeover: https://goo.gl/jNEJM9

Dave Also Mentioned:

• Business Boutique: https://goo.gl/aA66Pt
• Find Top Real Estate Agents: https://goo.gl/Cu4CRr
• The Legacy Journey: https://goo.gl/z5xhVB

Dave motivates callers to get out of debt fast, invest 15% of their income for retirement, and take ownership of bad decisions. Also, Dave gives specific advice on the three things you should do with your money once you're debt-free. Finally, Dave shares the secret of success for loving what you do.

Featured Calls:

• Alexandra: Should we cash out our CDs to pay off debt?
• Luke: Can you settle a debate between me and my wife?
• Lonnie: We owe taxes and can't pay!
• Jared: When should I move out of my parents' house?
• Jane: I don't know what to do with my inheritance.
• Cody: Should we fix up our double-wide trailer?

Get Out of Debt:

• Baby Steps Bundle: https://goo.gl/qSUhwN
• Investing made easy with SmartVestor: https://goo.gl/W5QDi5
• Financial Peace University: https://goo.gl/Ui6MDT 
• Budgeting just got easy EveryDollar: https://goo.gl/j2acMb

Dave Also Mentioned:

• Smart Conference: https://goo.gl/FaeVAg 
• Retire Inspired: https://goo.gl/LL1RMU
• SmartVestor: https://goo.gl/W5QDi5

Dave offers hope and financial advice to callers who are sick and tired of living paycheck to paycheck!

Featured Calls:

• Essence: Budgeting for biweekly pay?
• Morgan: Pay off the car while pregnant?
• Debt-free Scream: Lin paid off $33K!
• Erika: How do I get started?
• Dean: Broke and need a new car!

Win With Money:

• Budgeting is easy with EveryDollar: https://goo.gl/j2acMb 

Dave Also mentioned:

• Retire Inspired: https://goo.gl/LL1RMU
• EveryDollar Budgeting Tool: https://goo.gl/j2acMb

Dave shares a few wild stories and answers questions about investing, real estate, budgeting and paying back family loans.

Featured Calls:

• Luis: How to sell an upside-down car?
• Debt-free Scream: Omega paid off $42K!
• Amanda: Am I ready to buy real estate?
• Annette: I need a budget makeover!
• Kelly: I owe my parents money.

Win With Money:

• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Smart Money Conference: https://goo.gl/gbef8X

Dave Also Mentioned: 

• EntreLeadership 1-Day Event: https://goo.gl/MnJPRZ