Hour 1: Aired on Thursday, September 22, 2016

- Suzanne (San Francisco) asks if her husband should take a new job in Chicago. They'd have to move and the commute would be longer, but pay would be better.

- Dave answers Steve's question from Twitter. How long should you hold a mutual fund until you realize it's not going to bring the kind of return you want?  

- Anthony ONeal joins Dave in the studio to talk about students and money.

- Dave and Anthony talk about the Smart Conference.  

- Brittany (Mitchell, SD) needs to know how to talk to her 15-year-old stepdaughter about paying for school.

- Dave answers a Twitter question from Ben. He and his wife are debt-free except for student loans. Is having a zero credit score something worth going for?

- Beth (Los Angeles) gives her debt-free scream. She paid off $19,566 in just 17 months. 

Hour 2: Aired on Thursday, September 22, 2016

- Barb (Pittsburgh, PA) asks when the kids should be responsible for the cost of their business raising chickens and selling eggs. 

- Casey (Cheboygen, MI) wonders if he and his fiancée should save for a wedding or pay off debt.

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

- Heather (Charlotte, NC) has a question about investing for retirement. 

- Kevin (Midland-Odessa, TX) is concerned about his fiancée's dad. He's not responsible with money, and they could end up having to support him. 

- Dan and Rachel (Kansas City, MO) give their debt-free scream from the lobby. They paid off $134,000 in nine years and nine months. 

- Sheril (Pittsburgh, PA) received a $130,000 inheritance from her father. How should she handle it? 

- Dave answers the Blinds.com question of the day. Rachel asks if she should place her student loans in deferment while paying off the rest of her debts in Baby Step 2. 

- J.T. (Idaho Falls, ID) is starting a business, but his wife isn't on board. How can they get on the same page?

Hour 2: Aired on Wednesday, September 21, 2016

- Julie (Baton Rouge) needs to talk her mom out of a reverse mortgage.

- Jason (Salt Lake City) asks about difference between a trust and a will.

- Dave answers Gary’s Twitter question. What percentage of his income should he spend on insurance premiums?

- Jennifer (Idaho Falls, ID) is wondering about the difference between a traditional 401(k) and a Roth 401(k).

- Barry (Kansas City, MO) asks if 0% car loans are okay.

- Nikki (Columbus, GA) gives her debt-free scream. She paid off $56,000 in only two and a half years.

- Dave answers Jane’s question from Facebook. Does she need life insurance if she has no dependents?

- Dave answers Cassandra’s question from Facebook. If your car is paid off, should you carry full coverage on it?

- Dave answers Raj’s Twitter question. What amount does Dave recommend he contribute to college funds for kids ages 16 and 13?

- Gerta (Phoenix, AZ) says someone wants to lease a property she owns. How much should she charge and how does she set it up?

- Anna (Albany, NY) cleans houses with her husband for a living. How can they formally market themselves as a business?

Hour 3: Aired on Wednesday, September 21, 2016

- James (Los Angeles) asks if he should get earthquake insurance.

- Kim (Tulsa) totaled her car in a wreck. Should she take the $1,400 payout and save it for a car or put it toward her student loan?

- Dave answers Robin’s Facebook question. Do both spouses in a marriage need term life insurance?

- Carrie (Houston) and her husband wonder if they should pay off the house with cash on hand or sock it away for retirement.

- Cheryl (Louisville, KY) is helping her widowed mother-in-law take control of her money. She’s been advised to use annuities.

- Rob and Anji (Toledo, OH) give their debt-free scream. They paid off $120,000 in 34 months.

- Dave rants on the importance of taking control of your money like Rob and Anji.

- Dave shares the Scripture and quote of the day.

- Matt (Las Vegas) asks if he should go into business with his son buying investment property.

- Noel (San Antonio) needs to know how to sell inherited property and how it will affect capital gains.

Hour 1: Aired on Wednesday, September 21, 2016

 - Julie (Las Vegas) has four kids. How can she plan for the extra money she’ll need for everything?

- James (Atlanta) asks how to save for college for their 4 small kids.

- Wade (Idaho Falls, ID) wonders if he should sell his triplex.

- Rachel (Springfield, IL) asks if she should give money to her nephew.

- Rick (Fort Wayne, IN) asks how he can help direct his grown children.

- Jeremy (Denver) is debt free paying off $37,000 in 4 years.

- Carol (Oakland) is considering life insurance. Should she get it?

- Dave answers Steven’s question from Twitter. Should he ask for and expect a discount if paying cash for a car?

- Dave talks about the radio show Chris Brown’s True Stewardship.

- Amanda (Huntsville, AL) asks if it’s too late to save for retirement.

- Dave answers the Blinds.com question of the day. Jeff has a $33,000 loan. Should they convert it to a HELOC and 401(k) loan?

- Dave answers David’s Twitter question. What kind of chair does Dave use in studio. SPOILER: Dave doesn’t know.

Hour 1: Aired on Tuesday, September 20, 2016

- Belinda (New York) asks if she should buy a house.

- Heath (Dallas) is trying to decide between a mortgage or an investment property.

- Dave answers Jose's Twitter question. Is there a liimit to how much someone can invest in a single mutual fund? 

- Dave talks about Christy Wright's Business Boutique event in Nashville in November. 

- Dave answers the Blinds.com question of the day. Deanna is looking for Dave's opinion on checking accounts that round up purchases to the nearest dollar and deposit the change into savings. 

- James (Bloomington, IN) is considering going back to school to become a real estate agent. 

- Willy and Aly (Orlando) give their debt-free scream. They paid off $43,000 in just 22 months. 

- Paul (Portland, OR) is having a hard time with his parents selling a home that has sentimental value. 

- Mitch (Omaha) wonders if starting a new business was a smart idea. 

- Christie (Sacramento) and her husband have a second mortgage with a balloon payment due in four years. What should they do?

Hour 2: Aired on Tuesday, September 20, 2016

- Dave's in-studio guest is Inky Johnson, the former University of Tennessee football player.

- Dave talks about Inky's speaking engagements at the Smart Conferences in Atlanta and Houston in October. 

- Chris and Janan (Detroit) give their debt-free scream. They paid off $77,000 in just 21 months. 

- June (Cincinnati) asks if helping her kids on their student loans would count toward the gift tax threshold. 

- Dave answers Josh's question from Facebook. What's the best way to get out of a car lease?

- Margo (Tulsa, OK) is worried about turning her bank account info over when paying for a hospital bill. 

- Tom (Kansas City, MO) asks if he should refinance his home equity line of credit into a first mortgage so he can get past Baby Step 2. 

- Dave talks about the upcoming Smart Money Tour events. 

- Carson (Anchorage, AK) thinks it may be time to get a nicer car. 

Hour 3: Aired on Tuesday, September 20, 2016

- Sarah (Atlanta) needs help talking to her stepdaughter. 

- Claire (Kansas City, MO) is considering buying a new car. Should she?

- Michael (Tampa) asks for Dave's thoughts on cash value life insurance as an investing tool. 

- Dave answers Matthew's Twitter question. Are growth stock mutual funds recession-proof? 

- Dave rants about smartphones and how they've become a necessity. 

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

- Dave shares the Scripture and quote of the day. 

- Shannon (Columbia, SC) received a $10,000 personal injury settlement. What's the smartest option for that money?

- Dustin (Madison, WI) wants to get friends involved and excited about Dave's plan. How can he do that? 

Hour 1: Aired on Monday, September 19, 2016

- Allen (Little Rock, AR) asks when he should talk to his son about money. 

- Julie (Honolulu) wonders if it's wise to cash out an IRA for a down payment on a home. 

- Brenna (Colorado Springs) asks what to do with rental property. 

- Carla (Albuquerque, NM) is facing a company merger at work and her 401(k) will change. What should she do about her 401(k) loan? 

- Andrew (Albany, NY) gives his debt-free scream from the lobby after paying off $197,000 in 8 years. 

- Betty (Baltimore, MD) has an empty nest. All five kids have moved out. Should she downsize and rent out their family home? 

- Shane (Phoenix, AZ) worries that his future in-laws may be taking out a loan to buy a gift. 

- Harrison (Dallas) has a whole life policy his mom bought when he was a child. If he cashes it out, should he give his parents the money? 

- Chaz (Louisville, KY) got married in June, makes $65,000, and is working on Baby Step 3. Should they focus on starting a family, or should he go back to school for a better job?

Hour 3: Aired on Monday, September 19, 2016

- Shayla (San Antonio) just lost her car in an accident. The insurance company is offering less than that she feels the car is worth. What should she do? 

- Philip (Raleigh-Durham. NC) is attempting to sell his house in Alabama. Should they do a deed instead of a foreclosure?

- Samantha (Tulsa, OK) asks how she can make a business plan for a product she's developed. 

- Adam (Phoenix, AZ) just got a new job. Should he get a better car?

- David (Honolulu) is debt-free after playing off $18,000 in 19 months. 

- Dave shares the scripture and quote of the day. 

- Dave talks about the online budgeting tool, EveryDollar.

- Carol (Grand Rapids, MI) wonders if her parents should refinance or do a reverse mortgage. They're in their mid-80's.

- Dave answers a question from Twitter. Sam asks how Dave defines "broke people."