Hour 1: Aired on Thursday, September 8, 2016

- Mary (Boone, NC) questions the importance of life insurance.

- Kelly (Springfield, MA) is having trouble controlling her spending ways.

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

- Nikki (Nashville) makes her debt-free scream from the lobby. She paid off $41,000 in 14 months!

- Dave answers Gigi from Facebook, who asks what makes Dave endorse companies.

- Paul (Spokane, WA) wonders if a project house makes sense.

- Jesus (Kansas City, KS) asks if he should get rid of his truck.

Hour 3: Aired on Wednesday, September 7, 2016

- Sarah (Seattle) asks how to fund college for her kids.

- Teri (Portland, OR) needs to know the goal amount for a solid emergency fund.

- Shawn (Lafayette, IN) wonders whether he should pay off his 401(k) loan or put money toward Baby Step 3.

- Joey (Cincinnati) asks how to help his 18-year-old brother learn how to be wise with money.

- Dave answers the Blinds.com question of the day. Teresa asks if Dave would suggest a 529 fund for her child’s college savings.

- Adrian (Phoenix) asks if he should refinance to drop mortgage insurance and his high interest rate.

- Sharon (Pittsburgh, PA) needs advice on how to counsel her daughter on money.

- Dave shares the Scripture and quote of the day.

- Dave rants about dumb money decisions.

Hour 2: Aired on Wednesday, September 7, 2016

- Dave and special guest Hillary Scott of the Grammy award-winning group “Lady Antebellum” discuss her new album and her appearance at Business Boutique.

- Wes and Haylie (Washington, D.C.) are debt-free! They paid off $40,000 in 10 months.

- Ariana (Miami, FL) wonders what to do when her income is less than her expenses.

- Dave shares the benefits of Financial Peace University.

Hour 1: Aired on Wednesday, September 7, 2016

- Jerrod (Phoenix) and his wife are expecting their first child in January. Should they put money into an HSA while in Baby Step 2?

- Jack (Winnipeg, Manitoba) wonders where he should invest to buy a house.

- Dave reads a question from Facebook. Nathan asks, what is the penalty for getting out of a whole life policy?

- Daniel and Tracy (Allentown, PA) give their debt-free scream from the lobby. They paid off $217,000 in 39 months!

- Dave and his daughter Rachel Cruze talk about the 14-Day Money Finder and Rachel’s new book, “Love Your Life, Not Theirs.”

- Samantha (Raleigh-Durham, NC) needs advice on how to talk to her parents about a will.

- Dave and Rachel share details on the upcoming Smart Money Tour and other events.

Hour 2: Aired on Tuesday, September 6, 2016

- Vanessa (Oklahoma City) wonders if she should buy a brand-new car if she has the cash to pay for it.

- Stephen (Baton Rouge) wants to know if he should cash out a 401(k).

- Michael (Jacksonville, FL) asks whether he should buy Index Universal Life Insurance or not.

- Amy (Atlanta) is looking for help getting her side business going. 

-  Kyle (Springfield, IL) wonders if he needs an umbrella insurance policy. 

- Ann (Los Angeles) wants to upgrade her house. But should she?

- Kenneth and Michelle (Omaha, NE) scream that they are debt-free. They paid off $90,000 in 32 months!

- Christopher (New York, NY) weighs his options between paying off debt and buying a house.

- Dave talks about the Labor Day Sale on daveramsey.com.

- Carrie (Phoenix) says her boyfriend's wages are being garnished. What can he do?

- Brandon (St. Petersburg, FL) is being gifted a down payment. 

Hour 3: Aired on Tuesday, September, 6, 2016

- Tyler (Ft. Worth, TX) asks how to save 15% for retirement.

- Victoria (Spokane, WA) wonders how to get rid of increasing student loans.

- Dave encourages listeners to check out Love Your Life, Not Theirs, the latest book from Rachel Cruze.

- Jillian (Los Angeles) has a question about mortgage insurance.  

- Matt (Little Rock, AR) is trying to figure out whether he should take his pension in a lump sum or in payments.

- Dave reads a Facebook question from Lana, who asks if the debt snowball principle (paying off debts smallest to largest) applies to business debts too.

- Dave reads a Twitter question from Wes, who asks if he should sell stocks and put them into a less volatile investment.   

- Jesse and Amanda (Indianapolis) are debt-free! They paid off $79,623 in just 17 months.

- Dave reads the Scripture and quote of the day.

- Mike (Boston) inherited his father’s house and asks Dave for advice.

- Dave shares the upcoming Smart Money Tour event dates.

- Matthew (Phoenix, AZ) asks if he should sell his Jeep.

- Dave rants about our love for cars and how we over-rationalize gas mileage savings. 

Hour 1: Aired on Tuesday, September 6, 2016

- Dave shares how Labor Day is the “Second New Year."

- Dave previews the upcoming EntreLeadership Theme Hour (coming Thursday).

- Barry (Great Bend, KS) can't cancel his magazine subscription.

- Shannon (Houston) paid off $33,000 in two and a half years to become debt-free!

- Sara (Jacksonville, FL) is moving due to a military commitment. She wants to know if she should sell the house or rent it out.

- Casey (Boston) says her mom has IRS debt.

- Dave talks about our free budgeting tool, EveryDollar.

- Dave reads the Blinds.com question of the day from Tom, who wonders if debt consolidation programs are a good idea.

- Ann (Sacramento, CA) is considering using a HELOC to make repairs. Is this a good idea?

Hour 2: Aired on Monday, September 5, 2016

- Ian (Cincinnati) needs to know what to do with his parents' house now that they are in assisted living.

- Benjamin (Jacksonville, FL) asks about budgeting with no debt.

- Jessica (Houston) is getting married soon and wonders which of their many financial goals she and her fiancé should focus on.

- Emily (Austin, TX) wants to know how to pay delinquent bills.

- Andrew and Valerie (Los Angeles) have paid off $52,000 in four years and are debt-free!

- Dave explains why we tell these debt-free victory stories on the air.

- Dave reads the Blinds.com question of the day from Randall, who needs to know if he should refinance his home to save half a percent in interest.

- Ross (Sioux Falls, SD) wonders what he should do with insurance money.

- Dave reads a Facebook question from Michelle, who asks if life insurance proceeds are taxed.

Hour 1: Aired on Monday, September 5, 2016

- Dave and Rachel Cruze talk about the possibility of going to college debt-free and take calls from people who have.

- Faith (Fort Hood, TX) worked all the way through school and graduated debt-free from a private college with a 4.0 GPA in four years.

- Matt (Salt Lake City, UT) worked while going to school and graduated in four and a half years.

- Dave and Rachel recap the previous two calls and discuss the myth that you can't work a job while you're in college.

- Karla (Houston) worked as a real estate agent and waitress while in school, which allowed her to graduate debt-free in four years.

- Cile (Mobile, AL) got scholarships, maintained the requirements for them, and graduated in four years without going into debt.

- Hailey (Baton Rouge, LA) won scholarships and graduated with a bachelor's and master's degree.

- Dave and Rachel reiterate to listeners that you can go to college debt-free. 

Hour 3: Aired on Monday, September 5, 2016

- Donna (Jacksonville, FL) has a question about paying off her mortgage first.

- Dave reads a Twitter question from Jeff, who wants to know about the tax collection process on a Roth IRA.

- Ernesto (Kansas City, MO) wonders if he should sell his rental property.

- Linda (Phoenix) needs to know more about enrolling in a bi-weekly mortgage program.

- Lonnie (Fresno, CA) is 65 years old and asks where he can find neutral advice on supplemental insurance.

- Kelly (Billings, MT) is worried she bought a car that's too expensive.

- Katherine (Lincoln, NE) is still in debt but wants to buy a house.

- Dave reads the Scripture and quote of the day.

- Lynn (Atlanta) wants to know if she should save to build a house or pay off the debts she has.

- Dave reads a Twitter question from Brent, who asks if a low FICO score affects his insurance rates.