Hour 2: Aired on Monday, September 19, 2016

- Andy (Fort Wayne, IN) asks if he can use 529 money to pay for college classes through his kids' high school. 

- Kelli (St. Joseph, MO) is making better money. Should she take a break from school to pay off loans and cash flow the rest? 

- Dave answers the Blinds.com question of the day. Sherry has $52,000 in student loan debt with a $41,000 income. How can she stay motivated?

- Julie (Baltimore, MD) is on a teacher pension plan. Now that's she's vested and no longer teaching, should she take a buyout and invest somewhere else? 

- Jennifer (Pueblo, CO) has ongoing health issues that are causing setbacks in the baby steps. 

- Aaron and Nicole (Dallas, TX) give their debt-free scream from the lobby. They paid off $75,000 in 35 months. 

- Andy and Liz (Grand Rapids, MI) ask a question from the lobby. How can they help a sister going through a divorce? 

- Howard (Baltimore, MD) has a young daughter living in a third-world country. How can he best support her and make sure she gets her inheritance?

- Suzanne (San Diego) has a number of millennials in her FPU class. How can she convince them to pay off their revolving debts?

Hour 3: Aired on Friday, September 16, 2016

- Clint (Atlanta) owes more on his cars than they're worth. Should he sell them or pay them off?

- Dave lays out the upcoming Smart Money Tour schedule.

- Marsha (Eureka, IL) asks how to move his retirement plan from an old employer to her new one. 

- Eric (Lexington, KY) is being offered a health savings account. What are the advantages and what should he know? 

- Victoria (Madison, WI) gives her debt-free scream after paying off $65,000 in 18 months.

- Nick (College Station, TX) needs help with inheritance taxes.

- Dave shares the Scripture and quote of the day. 

- Trisha (Boise, ID) asks about retiring before the age of 59 and a half. Her husband wants to retire at 53.

- Dave announces he'll be speaking at Bayside Community Church in Tampa, Florida, this Sunday. 

- Daniel (Fresno, CA) asks if it's wise to sell the house and pay off debt with the equity.

- Dave answers Donnie's Twitter question. Is personal liability umbrella insurance a good idea?

Hour 1: Aired on Friday, September 16, 2016

- Dave talks about the Smart Money event that was streamed live on Youtube for free. 

- Mary Ann (Nashville, TN) is starting over and doesn't know where to go or what to do. 

- Renee (Tucson, AZ) asks if she should consolidate her massive student loan debts. 

- Susie (Chicago) wonders if she should pay off debt that is in collections. 

- Ron (Lexington, KY) is transitioning his 14-year-old son from Give, Save and Spend envelopes to a checking account. How should he do that?

- Pete and Rachel (Orlando) give their debt-free scream from the lobby. They paid off $338,850 in 35 months. 

- Heather (Nashville, TN) needs help getting out of a car lease. 

- Dave answers the Blinds.com question of the day. Jason asks what age is too old to go back to school and start over. 

- Nicole (San Francisco) asks if she needs an emergency fund for her business. 

- Kevin (Cincinnati) and his wife are trying to get their money situation in order after a cancer diagnosis. 

Hour 3: Aired on Thursday, September 15, 2016 

- Lauren (Kalamazoo, MI) asks how she should approach her divorce settlement.

- Judy (Wichita, KS) needs help advising her 19-year-old son about his IRA.

- Callie (Phoenix) wonders how she can get her husband excited about the Baby Steps.

- Dave answers a question from Twitter. Should Whitney create sinking funds in Baby Step 2 or throw everything at debt?

- Jonathan and Rachel (Tri-Cities, TN) give their debt-free scream from the lobby. They paid off $12,000 in less than five months.

- Dave talks about the Smart Money Smart Kids book and class.

- Tyler (Des Moines, IA) needs help marketing a smartphone app. What books should he read for ideas?

- Dave shares the Scripture and quote of the day.

- Steve (Washington, D.C.) asks if he should stop Baby Step 6 to convert a traditional IRA to a Roth.

- Charice (Colorado Springs) wonders if her 16-year-old daughter would benefit from Financial Peace University.

- Karen (Phoenix) needs a new air conditioner. How can she replace it without debt?

Hour 2: Aired on Thursday, September 15, 2016

- Christina (Tampa, FL) asks if her money is in the right place. 

- Dave answers a question from Twitter. Matthew makes $750 every two weeks. How much should he keep in his checking account?

- Dave answers a question from Facebook. Joel is on Baby Step 2. Should he budget for car repairs or throw everything at debt?

- Megan (San Diego) just started with Dave's principles. How do they explain them to their 9- and 12-year-olds? 

- Mark (Baton Rouge) was presented with a joint venture trucking business opportunity. Should he consider it? 

- Sunni and Rich (Indianapolis) give their debt-free scream from the lobby. They paid off $30,000 in less than seven months. 

- Dave answers a question from Twitter. Tom asks how to value a pension when determining net worth. 

- Dave answers another question from Twitter. Samantha asks what to do when her employer doesn't offer a retirement plan.

- Tim (Phoenix) and his wife are considering moving into a retirement community in seven or eight years. Should they? 

- Andrew (Seattle) is loyal to his employer but was offered a better opportunity. How can he leave the right way? 

Hour 1: Aired on Thursday, September 15, 2016

- Terry (Phoenix, AZ) wonders if he should sell his house. 

- Kelsey (Memphis) is not a Christian, but her new husband is. She's worried he won't treat her as an equal in the future. 

- Chris and Jennifer (Louisville, KY) give their debt-free scream from the lobby. They paid off $114,000 in 19 months. 

- Bob (St. Cloud, MN) asks where to put his home equity line of credit in the debt snowball process. 

- Megan (New York) wants a better car, but her husband wants to invest instead. 

- Doug (Atlanta) is worried his elderly father is being scammed. He sent $100,000 overseas. 

- Dave answers the Blinds.com question of the day. Linda's daughter has received Pell Grants and scholarships. Should she tithe off of that? 

- Mary (St. Louis) is in a student loan forgiveness program that won't let her pay the loan off early. What should she do? 

- Randy (New York) is trying to encourage his 82-year-old father to start an estate plan. Should he get a trust or will?

Hour 3: Aired on Wednesday, September 14, 2016

- Rosie (Fargo, ND) and her husband have big medical school debt. Should they wait to buy a home? 

- Dave rants about cleaning up medical debt before living like a doctor. 

- Dave answers the Blinds.com question of the day. Don owns four paid-for cars. When can he drop full coverage insurance and go with the minimum?

- Tammy (Columbia, SC) asks if she should kick her son out of the house she owns. He refuses to leave unless she evicts him!

- Dan and Latricia (Madison, WI) give their debt-free scream after paying off $130,687 in two years.

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

- Dave shares the Scripture and quote of the day. 

- Tracy (Tacoma, WA) needs advice on college savings for her kids. 

- Gloria (San Antonio) asks where she should invest $100,000.

Hour 1: Aired on Wednesday, September 14, 2016

- Marie (Boise, ID) and her husband are living on half the salary she thought his new job would pay. How do they make ends meet?

- Dave answers a Facebook question from Rachel. Are food subscription services worth the price?

- Dave talks about the free live-stream of the Smart Money event in Dallas. It will air on Rachel Cruze's YouTube channel on Thursday, September 15, 2016.

- Becky (New York, New York) is facing bankruptcy and has to sell her business. 

- Dexter and Christina (Louisville, KY) give their debt-free scream from the lobby. They paid off $265,000 in 45 months. 

- Monica (Baton Rouge, LA) needs help knowing how to talk to her three year-old about money. 

- Christopher (Manassass, VA) asks for advice since his wife wants to be a stay-at-home mom. 

Hour 2: Aired on Wednesday, September 14, 2016

- Chris Brown, Ramsey Personality and host of the Chris Brown’s True Stewardship radio show, joins Dave in the studio. 

- Allen (Tulsa, OK) asks how to budget for a wedding while in debt. Should he be debt-free before the wedding?

- Ben (Cincinnati, OH) needs to know what to do with his fiancée's car. She owes $18,000, and it's worth $15,000.

- Kay (Birmingham, AL) owes $9,000 on her minivan. Should she sell it or keep it and start a shuttle service?

- Josh and Kerrilyn (Ogden, UT) give their debt-free scream. They paid off $44,582 in 19 months. 

- Keela (Houston, TX) is starting a new business. Should she file for an employee ID number or incorporate?

- Santiago (Ecuador) calls for advice on his whole life insurance policy. 

- Anthony (Fort Myers, FL) asks how to budget on an irregular income. 

- Jordan (Charlotte, NC) wonders how to structure his savings. 

Hour 3: Aired on Tuesday, September 13, 2016

- Dave rants about the increase in car debt and the number of cars leased.

- Scott (Phoenix, AZ) is inheriting $300,000 of debt through his fiancée. 

- Dave offers advice on who to marry. 

- Henry (Jefferson City, MO) is headed off to college next year. How can he pick the right one and pay for it?

- Scott and Meg (Ogden, UT) give their debt-free scream from the lobby. They paid off $125,000 in 15 months! 

- Dave shares the Scripture and quote of the day. 

- Dave talks about our free Home Buyer's Guide. 

- Debbie (Santa Monica) wonders if she should cash out her Roth IRA to pay off debt. 

- Philip (Naples, FL) is making $30,000 a year as a teacher. How should he start investing?