Hour 3: Aired on Wednesday, September 28. 2016

- Suzanne (Ontario, Canada) asks if she needs to buy critical care insurance.

- Terri (Tucson, AZ) wonders if remodeling the house is a good idea.

- Dave answers a Facebook question from Jamie about term life insurance for singles.

- Dave answers the Blinds.com question of the day from Crystal about biweekly mortgage payments.

- Dave runs through the upcoming schedule of live events and book signings.

- Nick and Kelly (Overland Park, KS) are excited to do their debt-free scream after paying off $48,000 in 18 months!

- Jay (Forth Worth, TX) asks how to get out of a $42,000 car loan with $18,000 negative equity.

- Mark (Lexington, KY) wants to know what he should pay off first.

- Joe on Twitter asks if he should pay his apartment lease in advance.

- Josh (Alberta, Canada) wonders if he should use his savings to pay off his car loan.

- Dave talks about the Smart Money events in Boston and Charlotte.

Hour 2: Aired on Wednesday, September 28, 2016

- Chris Brown is in the studio taking calls with Dave.

- Matt (Decatur, IL) asks if his plan to save for a car will work.

- Scott (Detroit, MI) wants advice about getting out of debt.

- Dave promotes the radio show, “Chris Brown’s True Stewardship.”

- Dave runs through the stops on Rachel Cruze’s upcoming book tour.

- Jenny (Des Moines, Iowa) is upside-down on her car and wants to know if she should sell it.

- Rob and Wendy (Orlando, FL) are in the lobby to do their debt-free scream after paying off $240,000 in five years.

- Jim (Lansing, MI) wonders when he can get rid of his term life insurance.

- Tanya (Dayton, OH) wants to know if she should buy a new Camaro.

- John (Beaumont, TX) asks for advice on saving money.

- Theresa (Birmingham, AL) wants to know how to structure her debt payoff.

Hour 3: Aired on Tuesday, September 27, 2016

- Nancy (Fort Myers, FL) is on Baby Step 2 and wonders if she should keep her troublesome vehicle.

- Nina (Alberta, Canada) says her 18-year-old son is going over the data limit every month on the cell plan and she and her husband are not on the same page about it.

- Dave answers Kelsey's question from Twitter. Does having a zero credit score get you a better interest rate? 

- Dean and Svetlana (Bakersfield, CA) give their debt-free scream. They paid off $30,000 in debt from a brand-new van in eight months.

- Dave talks about the live events coming up and Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Dave shares the Scripture and quote of the day.

- Joseline (Houston, TX) has student loan debt from her graduate degree, is getting married in January, and is curious if she and her husband should buy a house.

- Dave answers the Blinds.com question of the day. Audrey in Arizona asks if she should consolidate her $26,000 in student loans.

- Elizabeth (Philadelphia, PA) needs advice. Her husband has been laid off twice, started flipping houses, and is going back into engineering. 

Hour 1: Aired on Tuesday, September 27, 2016

- Carla (Albuquerque, NM) wonders if her son should buy a house or rent an apartment. He has no debt, $10,000 in savings, and a good job. 

- Julia (New York, NY) needs help tackling $265,000 in student loan debt from law school.

- Dave talks about upcoming events.

- Dave talks about Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Michela (Los Angeles) asks if she and her husband should save for retirement during the debt snowball.

- Bill and Angie (Cadiz, KY) give their debt-free scream from the lobby after paying off $68,000 in five years and three months. 

- Carrie (Baltimore, MD) has been offered a pension buyout for $16,500 and wonders what to do next. 

- Dave talks about Rachel Cruze’s 14-Day Money Finder. 

- Jaden (Manitoba, Canada) has been denied a promotion at work. Should he leave for another job?

- Dave talks about the dangers of nepotism and the importance of integrity. 

Hour 3: Aired on Monday, September 26, 2016

- Matt (Helena, MT) is a homebuilder and got hit hard in the recession. Should he buy a commercial property?

- Kate (San Diego) asks if she should stop adding 15% to her thrift savings plan (TSP) to pay off her house.

- David (Ferrara, Italy) is a missionary considering buying a condo in Southern California and renting it to his mom. Is this a good idea? 

- Dave talks about upcoming live events. 

- Joe (Orlando, FL) and his wife are in Baby Step 2 and have a rental property with a HELOC with a balloon on it. They’d like to sell it, but what should they do? 

- Dave shares the scripture and quote of the day.

- Bridget (New Orleans) wants to start a family, but her husband has a nerve condition and his truck makes the pain worse. Should they get a new truck, pay off debt, then have a baby?

- Bruce (Abilene, TX) asks Dave's thoughts on the economy. His wife is concerned it's tanking and wants to save more cash. She’s sold one rental property and is considering selling the second. Should they?

Hour 2: Aired on Monday, September 26, 2016

- Shelly (Pittsburgh, PA) and her husband are on Baby Step 2. Their daughter has a chronic illness. Should they max-fund their HSA?

- Robin (Houston, TX) is calling for her parents. They're debt-free and selling part of their farm. They’ll receive about $2,000,000. What types of real estate should they consider?

- Dave talks about the Smart Conference in Atlanta, the Smart Money events in Boston and Charlotte, and the Love Your Life, Not Theirs book launch.

- David (Denver, CO) and his wife are working on Baby Step 4. Should they rent out their current house in this hot market and buy a new one?

- Matthew and Gina (San Diego) are both 28 and in the Marine Corps. They're debt-free, having paid off $50,000 in two years. 

- Brad (Saskatchewan, Canada) and his sister are selling a condo they bought together. He’s in Baby Step 2 and needs to know what to do with his part of the condo profits.

- Dave answers Mike's question from Facebook. Should he switch to a universal life insurance policy?

- Kathy (Colorado Springs) is 72. She wonders if she should pay off her mortgage or save the $25,000 she has in savings? 

- Dave talks about the SmartVestor program. 

Hour 1: Aired on Monday, September 26, 2016

- Dave talks about upcoming events, as well as Rachel Cruze’s new book, Love Your Life, Not Theirs, and her upcoming segment on Rachel Ray. 

- Nancy (Haiti) and her husband are saving for college for their kids, and for retirement. How can they be generous and save at the same time?

- Joe (Miami, FL) asks whether he should pay off his mortgage, HELOC, or car first? He has $10,000 in cash.

- Jeff (Los Angeles) was asked to be a guardian and take custody of a friend’s child in the case of their death. Should he do this?

- Dave offers advice for Tim from Twitter who would like to become a financial coach. 

- Dave talks about Foundations in Personal Finance, the money class for high school students, as well as open job positions.

- Dylan and Amanda (Madison, WI) give their debt-free scream. They paid off $21,000 in credit card, student loan, and Volkswagen debt in six months.

- Mike (Akron, OH) asks if he and his wife should take out a loan to fix the house or drastically drop the price on the house and sell it without making a profit.

- Dave answers the Blinds.com question of the day. JoNell asks, “How long does it take to have no FICO score once all debts/credit cards/loans have been eliminated?”

- Nicole (Boise, ID) needs advice on the best way to save for her kids' college. She has $10,000 and $4,000 saved so far.

Hour 2: Aired on Friday, September 23, 2016

- Beth (Greensboro, NC) is wondering if she should get a job in college. 

- Jake (Phoenix, AZ) and his wife are expecting a baby in April. Should they max out their health savings account?

- Stephanie (Lexington, KY) is considering moving in with her parents temporarily to save money . . . along with her husband and four kids. 

- Mario and Ashley (St. Louis, MO) give their debt-free scream from the lobby. They paid off $93,000 in 34 months.

- Lisa (San Diego) wonders if she should keep her condo.

- Dave talks about Financial Peace University.

- Stanley (Austin, TX) asks if he should sell the house and go back to renting. 

- Hans (Phoenix, AZ) went to school debt-free after attending an EntreLeadership event in 2010. 

- Dave answers Tammy's question from Twitter. What does Dave think about micro-investing apps? 

Hour 1: Aired on Friday, September 23, 2016

- Chris Brown joins Dave in studio. 

- Tim (Colorado Springs, CO) is trying to decide between buying a new or used car for his wife. 

- Chris (Buffalo, NY) is considering moving money into a Roth Thrift Savings Plan.

- Jason (Indianapolis) asks if he should invest or fund 529 plans for college. 

- Tom (Nashville, TN) wonders if he should buy an extended warranty for his car. 

- Dave announces some job openings at Ramsey Solutions. 

- Brian and Katie (Indianapolis) give their debt-free scream from the lobby. They paid off $125,189 in 29 months. 

- Lewis (Fort Lauderdale, FL) invested in real estate with adjustable-rate mortgages and balloons. Which loan should he tackle first? 

- Dave and Chris talk about the Smart Conference event coming to Houston and Atlanta. 

- Robert (St. Louis, MO) asks if he and his wife should pay off debts or pile up cash since his wife is sick.

- Alyssa (Dallas, TX) is $10,000 upside-down on her car. She can't refinance. What can she do? 

Hour 3: Aired on Friday, September 23, 2016

- Carolina (Portland, OR) asks if she should retire early. 

- Nick (Tampa, FL) has pre-paid his 4-year-old son's college tuition through a state government program. Why is that so bad?

- Dawn (Phoenix, AZ) is $480,000 in debt. Should she continue to rent? 

- Jonathan (Meridian, MS) needs to know what to do after becoming debt-free.

- Dave rants and encourages parents to keep their kids away from student loan debt. 

- Dave talks about the 14-Day Money Finder at RachelCruze.com. 

- Dave answers the Blinds.com question of the day. Hallie is starting grad school and already has $10,000 in debt. How can she fund grad school and pay off the debt?

- Adam and Amanda (Orlando) give their debt-free scream. They paid off $70,000 in three and a half years. 

- Dave shares the Scripture and quote of the day. 

- D'nica (Tacoma, WA) feels it's more expensive to rent than to buy. 

- Tonya (Phoenix, AZ) asks if she should start a new business.