Hour 2: Aired on Friday, September 2, 2016

- Ken and Chris are back to host another hour of the show.

- The hosts read a Facebook question from R.J., who wants to teach her son about the difference between wants and needs.

- Jessica (Dallas) asks about budgeting an irregular income.

- Oscar (Miami) says his wife may lose her job soon and is wondering if they should pay off debt or beef up the emergency fund.

- Andy (Houston) asks if he should open a 401(k).

- Terri (Tucson, AZ) has a question about improving her retirement savings.

- Ken and Chris talk about the upcoming EntreLeadership 1-Day event.

- Josh (Temple, TX) wants to know if the return of premium life insurance is a good idea.

- Maureen (Seattle) needs to know if she must keep working.

- Steve (Fort Lauderdale, FL) asks about condo fees in Florida.

- Duski (Greensboro, NC) has a question about handling an inherited IRA.

- Ken asks Chris how listeners can find motivation to properly fund their retirement savings.

- Chris and Ken read a Twitter question from Wes, who wants to know more about a Health Savings Account.

Hour 3: Aired on Friday, September 2, 2016

- Brandon (Cincinnati) asks if he should take out a student loan to pay for school.

- Cory (Pensacola, FL) wants to know if she should spend $7,000 to fix the motor on her boat in order to sell it.

- Josh (Birmingham, AL) works for a small business and believes the owner is cash-starving the company.

- Anup and Anuja (Salt Lake City, UT) are debt-free after paying off $231,000 in five years!

- Kendall (Baton Rouge, LA) has a question about planning a wedding while working through the Baby Steps.

- Dave reads the Scripture and quote of the day.

- Dave reads the Blinds.com question of the day.

- Sam (Chicago) wants to know how to handle an Education Savings Account.

- John (Topeka, KS) asks if he should transfer GI Bill benefits from his youngest child to his oldest child to help cover education costs.

Hour 1: Aired on Friday, September 2, 2016

- Guest hosts Ken Coleman and Chris Hogan talk about celebrating College Colors Day at Ramsey Solutions and what teams are represented.

- Ken and Chris discuss how September marks the "second New Year.”

- Kyle (Kansas City, MO) wonders how to talk to his mom about money.

- Ken and Chris discuss the EntreLeadership 1-Day event.

- Eric (San Antonio, TX) says his wife hid $60,000 in debt while he was deployed.

- Jaime (McAllen, TX) needs to know what to do with his house.

- Chris and Ken read a Twitter question from Jessica, who wonders if she should save her full emergency fund before starting her debt snowball.

- Marvin (Chicago) wants to help his 71-year-old father diversify his nest egg.

- Jennine (Kansas City, MO) is concerned that her student loan balance keeps increasing.

- Thomas (New Orleans) has a fiancée who is eligible for student loan reimbursement and wonders how that fits into their debt snowball.

- Lawrence (Troy, OH) wants to know how to convince his wife that a budget will work for them.

- Isabella (Kansas City, MO) is 16 years old and wonders where to park her money.

- Malcolm (Joplin, MO) has a question about student loan forgiveness programs.

Hour 2: Aired on Thursday, September 1, 2016

- Jennifer (Oklahoma City, OK) and her husband both have chronic health conditions and she needs to know how to prepare for managing their health and retirement.

- Joseph (Boca Raton, FL) wants to know if Dave recommends raising a car insurance deductible to the maximum.

- Dave reads a Facebook question from Deanne, who asks how to stay generous and compassionate without being taken advantage of.

- Linda (Portsmouth, NH) has a question about paying off her mortgage even though she may be selling the house in the next 10 years.

- Brian and Julie (Richmond, VA) have paid off $124,600 in 39 months and are now debt-free!

- Eunice (Phoenix) can't see a way out of her debt.

- Lisa (Portland, OR) wants to know how to evaluate and hire her first team members for her house-cleaning business.

- Bill (Union, MO) is tired of paying his 20-year-old's bills.

Hour 1: Aired on Thursday, September 1, 2016

- Dave talks about how the things he teaches are simple and just require discipline.

- Kelly (Kalamazoo, MI) asks how to teach her college-age son how to budget.

- Dave reads a Facebook question from Ashley, who wonders if she should get disability insurance before or after completing her emergency fund.

- Matt and Bryn (Lake Tahoe, CA) are debt-free after paying off $50,000 in 11 months!

- Dave talks about our budgeting software, EveryDollar.

- Dave reads the Blinds.com question of the day from Paul, who asks for advice on negotiating.

- John (Colorado Springs, CO) has a question about retiring with military benefits.

Hour 3: Aired on Wednesday, August 31, 2016

- Anthony (New York) needs to know if he should refinance his house or sell it.

- Aziza (Appleton, WI) asks if increasing income would force a loss of government benefits.

- Steffen (Everett, WA) wonders when to restart the debt snowball.

- Debbie (San Antonio, TX) says her siblings are disagreeing on a house.

- Dan and Char (Columbia, SC) are debt-free after paying off $120,000 in six years.

- Dave comments on the sacrifices that Dan and Char made and encourages listeners to be like them.

- Calvin (Phoenix) has a question about stopping retirement savings to pay off his house.

- Dave reads the Scripture and quote of the day.

- Doug (Valdosta, GA) wants to know if he should delay saving for retirement to cash-flow college for his daughter.

- David (Sacramento, CA) asks what education he needs.

Hour 2: Aired on Wednesday, August 31, 2016

- Ken Coleman, Chris Hogan, and Rachel Cruze host this hour of The Dave Ramsey Show and take calls.

- Sarah (Kansas City, MO) wonders if she should sell her fiancé's car.

- Ken, Rachel, and Chris read a Twitter question from Lynette, who wants to know how to budget with an irregular income.

- Roger (Huntsville, AL) says his wife overspent on the budget for his stepdaughter's wedding and wants another $3,000–5,000.

- Kimberly (Phoenix) has a question about selling her house and moving to Colorado to be closer to her family.

- Chris, Rachel, and Ken take a Twitter question from Doug, who asks if multiple student loans grouped into one payment count as just one part of his debt snowball.

- Samantha (West Palm Beach, FL) wonders if she should keep her annuity.

- Sherami (Nampa, ID) needs to know if she should be investing 15% of her money.

- Michelle (Phoenix) struggles with constantly comparing her life to her friends' lives and asks about Rachel's new book.

- Our guest hosts preview Rachel's new book, Love Your Life, Not Theirs, and talk about the preorder special.

Hour 1: Aired on Wednesday, August 31, 2016

- Lauren (Shreveport, LA) says her mom wants to finance Lauren's new house and will not accept a refusal.

- Alex (Chicago) wonders if he should either grow his business or take an internship.

- John (Cleveland) asks which job offer he should accept.

- Brandon (Greensboro, NC) has a wife who is nitpicking their budget.

- Dave and Sara (Dubuque, IA) have paid off $277,000 in eight years and are now debt-free!

- Dave reads the Blinds.com question of the day from Crystal, who wonders if her six-year-old can work for the family business so she can open a Roth IRA for the child.

- Brent (Florence, AL) wants to know how to trademark the name and brand of his family business and its products.

- Terri (Baton Rouge, LA) owes $19,000 on a $9,000 car and needs answers about how she can get out from under this.

- Dave goes on a mini-rant about how people change their lives when they say "I've had it!"

Hour 1: Aired on Tuesday, August 30, 2016

- Chris (New Haven, CT) is new to Dave's plan and asks how to prioritize her financial goals.

- Zach (Winston-Salem, NC) wonders if he should take a loan from family to pay off his student loan.

- Jarek (Davenport, IA) is thinking about taking $6,000 from an educational savings account to pay his wife's student loan.

- Mark (Fort Lauderdale, FL) is fiscally responsible and wants to know why he can't use a credit card.

- Xavier (Phoenix) needs to know if he should walk away from his mortgage.

- Heidi (Blackfoot, ID) wants to know more about staying out of debt while in college.

- Cat (San Antonio, TX) has a question about her additional income.

- Tracy (Detroit) doesn't have debt but feels broke.

- Dave reads a Facebook question from Robin, who asks where within the Baby Steps to fully fund a health savings account.

Hour 2: Aired on Tuesday, August 30, 2016

- Hank (Boston) has $458,000 in debt and is expecting a baby.

- Daniel (Dallas) asks about qualities in a potential spouse if he wants to build wealth.

- Paul (Dallas) wants to know how to tackle $20,000 in debt.

- Brenda (Kansas City, MO) is 60 years old and wants to retire, but her house and car need work.

- Janet (Phoenix) has a question about using her 401(k) to pay off her home.

- Lori (Effingham, IL) needs to know if she should take a job to supplement her household income.

- Dave reads a Twitter question from Matthew, who wonders if his credit reports are still available if he's frozen his credit.

- Dave reads a Twitter question from Julianne, who wants to know some things about a term life insurance payout.

- Rebecca (Houston) asks if she should sell her house and rent in order to pay off debts.

- Eric (Fergus Falls, MN) wonders if debt can ever be considered an investment.