Hour 3: Aired on Monday, October 24, 2016

- Caleb (Portland, OR) is needing help now that his wife is doing an unpaid internship and they're living on one income. 

- Dave answers Christina's question from Twitter. Where does saving for a wedding fit into the Baby Steps? 

- Latoya (Columbus, OH) wonders if she should get a second life insurance policy. 

- Rodney (Atlanta) asks if he should get rid of his car. 

- Ellie (Salt Lake City, UT) is 60. She wonders if she should sell her house or use some of her retirement money to pay it off.

- Dave answers the Blinds.com question of the day. In Jason's budget, where should alimony and child support be in order of priority? 

- Jeff and Rachel (Salt Lake City, UT) give their debt-free scream from the lobby after paying off $45,000 in 22 months. 

- Cam (Orlando) is considering starting a side business as a personal trainer, but it would require $1,000 in equipment. 

- Dave shares the Scripture and quote of the day. 

- Carrie (St. Louis, MO) is pregnant and paying off debt. Should they keep rolling their debt snowball? 

- Cassie (Pittsburgh, PA) asks how she and her husband can get on the same page about money.

Hour 1: Aired on Monday, October 24, 2016

- Jennifer (Baltimore, MD) has run into health problems and is waiting on disability. She cosigned on her mom's house. What can she do?

- David (New York, NY) asks if he should pay off his mortgage.

- Coby (Winston-Salem, NC) is starting to invest at 19. What should his strategy be?

- Michael (Chicago, IL) wants to know the difference between investing and gambling.

- David and Mary (New Jersey) give their debt-free scream. The paid off $135,339 in 32 months. 

- Dave answers a question from Facebook. Bonner asks if he should close his bank accounts over concerns of Russian hacking. 

- Michelle (Dallas) is on Baby Step 2, but she's worried about not putting money into retirement. 

- Lisa (Kalamazoo, MI) received a $3,800 check from her insurance company after a roof leak. She's in Baby Step 2. Should she use the money to repair the roof?

Hour 1: Aired on Friday, October 21, 2016

- John (Los Angeles, CA) wants to know if it's legal to use one person's credit as collateral to start a corporation for someone else. 

- Dave answers a question from Twitter. Ryan asks what's the most debt anyone has ever paid off using Dave's plan. 

- Lisa (Birmingham, AL) says her father's estate is in debt and the executer is being uncooperative. 

- Manuel and Mandee (Los Angeles, CA) are debt-free after paying off $21,000 in 1 year!

- Kendra (Pennsylvania) is expecting a child and asks for advice on how to update her will after the baby is born.

- Dave talks about the principles behind why it's so important to have a will.

- Cindy (Portland, ME) wants to know what type of credit card she should get.

Hour 2: Aired on Friday, October 21, 2016

- Dave explains the basics of what Ramsey Solutions teaches.

- Dionne (Chicago, IL) wants to leave her new job but is worried about the repercussions.

- Matt (Meridian, ID) wants to know his options for paying medical bills.

- Jacob and Bridgett (Dallas, TX) want to know how to buy a business from their dad.

- Jacob and Jennifer (Dallas TX) are in the lobby to give their debt-free scream after paying off $93,000 in 22 months!

- Greg (Houston, TX) asks if he should use his son's 529 college savings fund to pay off personal debt. 

Hour 3: Aired on Thursday, October 20, 2016

- Michelle (Phoenix, AZ) asks how to save their house from foreclosure.

- Suellen (Lansing, MI) wants to know how to tithe on a fixed income.

- Jason (Sacramento, CA) asks Dave how to approaching repaying a 0% mortgage loan with no prepayment penalty.

- Clint and Allison (Iowa City, IA) are debt-free after paying off $45,000 in 12 months.

- Margaret on Facebook says her children received credit card applications in the mail. Is this legal?

- Dave reads the Scripture and quote of the day.

- Joe (Tampa, FL) is worried that his municipality may bankrupt soon. Should he get vested in his pension, and how should he prepare? 

- Dave reads the Blinds.com question of the day. Jameson's car is about to die and he wants to know if he should stop student loan payments for a few months in order to cashflow a used car.

- Jeremy (Phoenix, AZ) wants advice from Dave on how to get his wife to participate in the budgeting process. 

Hour 2: Aired on Thursday, October 20, 2016

- Brook (Atlanta, GA) is worried about stopping retirement contributions while on Baby Step 2. 

- Christine (Boise, ID) wants to know if they're financially ready for her husband to start a new business.

- Tiffany (Sacramento, CA) asks if they need additional insurance on their rental home if the tenants want to conduct business there.

- Betty (Oklahoma City, OK) wants to know if she should keep her cancer, accident, and calamity insurance policy. 

- Dave answers a question from Facebook. Eric asks if a second mortgage should be considered part of the debt snowball or be paid off in Baby Step 6.

- Mike and Penny (Orlando, FL) are in the lobby to give their debt-free scream after paying off $31,000 in 40 months.

- Brenda (Fresno, CA) says her 14-year-old daughter gets survivor benefits. Should she put that money into a 529 college savings fund?

- Ted (Bloomington, IL) asks Dave if there are tax implications for cashing in a whole life insurance policy.

- Samad (New York, NY) wants to know the best way to pay off credit card debt.

- Jeannie (Columbia, SC) has a question about her husband's debt. 

Hour 1: Aired on Thursday, October 20, 2016

- Amanda (San Diego, CA) is debt-free and wants to know if she should increase her retirement savings.

- Curtis (Wichita, KS) wants to know if he's ready to start a new eCommerce business.

- Daniel (Dallas, TX) needs advice on what to do with a $3,000 accident settlement. 

- Edward (Bend, OR) has questions about how to make profits off mineral rights.

- Koda and Kelly (Minneapolis, MN) are in the lobby to give their debt-free scream after paying off $32,000 in 10 months.

- Dave answers a question from Twitter. J.T. wants to know if a savings account is the best place to park money for a down payment on a house.

- Maria asks a question from Facebook. Should she move money out of an IRA and 401(k) when changing jobs?

- Chris (Portland, OR) has car payments, but he really likes the car and asks if he should sell it while on Baby Step 2.

-Amy (New York, New York) says her in-laws hold their mortgage. How should she approach paying it off?

Hour 3: Aired on Wednesday, October 19, 2016

- Julie (Phoenix, AZ) asks Dave how to get out of her timeshare.

- Catherine (Tucson, AZ) says she's found a house she wants to buy but she's still in credit card debt.

- Dave answers a question from Twitter. Jason asks how you can tell if you're working for a bad company.

- Michael (Dallas, TX) is confused about Dave's life insurance advice. How does the endorsement of term life insurance align with being debt-free?

- Rodney (Atlanta, GA) wants to know if he should attack his credit card debt or pay off his car first.

- Mark and Jen (Rochester, MN) are in the lobby to give their debt-free scream, having paid off $180,000 in six years.

- Rich (Portland, OR) has a question about balancing school and marriage.

- Dave shares the Scripture and quote of the day.

- Evan (Odessa, TX) asks if they should adjust the Baby Steps to save and pay cash for their first home.

- Dave (St. Augustine, FL) asks if he should pay down mortgage or fund his 401(k)?

Hour 2: Aired on Wednesday, October 19, 2016

- Sarah (Fairfax, VA) says her husband is a doctor, and they have $273,000 in student loan debt on an income-based repayment plan. How do they accelerate that plan?

- Dave answers a question from Twitter. Patti is 45 years old with a $45,000 income. How does she pay off $63,000 in debt?

- Jim and Jeanne (Indianapolis, IN) are in the lobby to give their debt-free scream after paying off $90,000 in 35 months!

- Ed (Jacksonville, FL) wants to know if he can get out of a prepaid college plan he's already bought into.

- Adrian (Louisville, KY) has a question about consolidating student loans.

- Tim (Cincinnati, OH) has a sister in New York City who has cancer and probably five years to live. Should he pay for her care with 401(k) funds?

- Douglas (Dayton, OH) wants to know if there's a benefit in continuing monthly mortgage payments or if he should just pay off the house in one lump sum.

- David (Chicago, IL) asks Dave if he should pay off their home equity line of credit (HELOC) in Baby Step 2 or Baby Step 6.

- Connie (Idaho) is about to turn 60 and she's worried about not having enough money in retirement.

- Bethany on Facebook asks if she should get a second opinion on a home inspection.

Hour 1: Aired on Wednesday, October 19, 2016

- Ron (Cincinnati, OH) wants to start a resumé-writing service and wonders how he can start marketing to build a client base.

- Sue (South Bend, IN) asks Dave what the advantages are to auctioning a dilapidated house instead of listing with a realtor.

- Dave answers a question from Twitter. Stephen wants to know if he should put his student loans on deferment to pay off other debts faster.

- Dave answers the Blinds.com question of the day. Krissy asks what to do when there isn't enough income to make minimum payments.

- John (Nashville, TN) has a question about paying off his student loans.

- Nick (Bradenton, FL) is in the lobby to give his debt-free scream after paying off more than $90,000 in 73 months!

- Jennifer (Chicago) asks Dave about differentiating personal finances from business finances.

- Lynnette (Milwaukee, WI) wants to know what to do with her old 401(k).

- Hunter (Kingsport, TN) is selling his car to pay down debt but will still need transportation. What should he do?

- Amanda (Birmingham, AL) recently went through a divorce and lost her job. She's on Baby Step 2, behind on bills, and needs advice.