- Mike (San Antonio) wonders if he should reorganize his Baby Steps since he owes less on his mortgage than his cars and credit cards.

- Rees (Billings, MT) wants to know how to invest the $60,000 he has in the bank since he's joining the Air Force.

- Kevin (Phoenix) is retiring in less than four years and asks if he should use his 401(k) to pay off his house.

- Tom (Jacksonville, FL) says his parents are living off a 401(k).

- Jenny (Akron, OH) wonders if she should take a friend's offer to live rent-free for four months by house-sitting.

- Kathy (Oklahoma City, OK) is worried that the $25,000 settlement her college-age son is receiving will affect his financial aid.

- Shalene (Asheville, NC) says the cost to repair her car is more than the car is worth.

- Matthew and Catherine (Louisville, KY) are debt-free after paying off $30,000 in 18 months!

- LaShonda (Winston-Salem, NC) wants to be independent and move out of her parents’ house, but she has children and a limited income.

- Dave reads the Scripture and quote of the day.

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

- Ronnie (Denver) wonders how to get a business license.

- Susan (Hampton, VA) asks how much she needs to keep in the emergency fund.

- Matthew (Tucson, AZ) thinks Dave's plan won't work for him since he earns $45,000 a year.

Hour 1: Aired on Wednesday, August 24, 2016

- Terry (Portland, OR) is a freelance writer who needs to determine a reasonable salary to draw from her business.

- Greg (San Francisco) wants to challenge a court ruling that involves his wife paying her ex-husband's student loans.

- Cynthia (Los Angeles) wonders if she can negotiate on the various debts she owes.

- Matt (Greenville, SC) has a question about using a health savings account while he’s in Baby Step 2.

- Dave invites listeners to use our free online budgeting tool, EveryDollar.

- Jim and Bridget (Little Rock, AR) are debt-free after paying off an incredible $350,000 in debt in six years!

- Jennifer (Winston-Salem, NC) is inheriting money but doesn't trust her husband to help her manage it well.

- Scott and Carrie (Stevens Point, WI) ask if they should pay off their house or put the money toward a new home.

- Dave reads the Blinds.com question of the day from Tyler, who wonders where he should keep his emergency fund.

- Nicole (Nashville) has $100,000 in student loan debt but wants to go back to school for a different degree.

Hour 2: Aired on Wednesday, August 24, 2016

- Nate (Phoenix) asks if he should put his mortgage into Baby Step 2 instead of Baby Step 6.

- Jeremy (Fayetteville, AR) wonders how to best use a $40,000 lump sum of money.

- Curtis (Dallas) has $80,000 in debt which he just discovered.

- Leslie (Pittsburgh) is debt-free after paying off $29,500 in 14 months!

- Jennifer (Seattle) has $230,000 in student loans and asks if she should buy a house.

- Matt (Pittsburgh) wonders what to do with the $6,000 in cash he found in a home he just bought.

- Dave rants about how you should follow the Golden Rule.

Hour 3: Aired on Wednesday, August 24, 2016

- Andrea (Oklahoma City, OK) says her house payment is 40% of her take-home pay.

- Alex (Fayetteville, AR) has no credit score and wants to know how to build credit.

- Taryn (Salt Lake City, UT) is not on the same page with her husband about money.

- Mike (Colorado Springs, CO) wants to advise his son about money matters.

- Dave talks about the various ways you can hear the show.

- Dave reads a Twitter question from David, who asks if he should withdraw money from a mutual fund to pay off a car loan.

- Dave reads a Facebook question from Leigh Ann, who wonders if Dave would ever consider investing in a bond mutual fund.

- Dave reads an email from Richard, who wants to know if Dave is compensated for his endorsement of Zander Insurance.

- Dave reads the Scripture and quote of the day.

- Josh (Portland, OR) asks if it's legal to roll a 401(k) into rental property.

- Roy (Amarillo, TX) wants to escape the payday loan trap that he's caught in.

- Jay (Atlanta) needs to know if he should roll his 401(k) to a Roth now and pay the taxes.

- Dave reads a Facebook question from Mandy, who asks how she can get her name off a loan she co-signed for.

- Dave takes another email question, as Todd wonders if he should go for 20 or 30 years of term life insurance.

Hour 1: Aired on Tuesday, August 23, 2016

- Dave welcomes guest Christy Wright to the show to talk about the launch of her new Business Boutique podcast. You can subscribe on iTunes or listen at BusinessBoutique.com.

- John (Cincinnati) needs to decide between buying a house or renting.

- Berto and Ashley (Orlando) are debt-free after paying off $48,000 in two years!

- David and Emily (Nashville) are expecting a baby and wonder if they should pause their Baby Steps or sell the car.

- Aaron (Los Angeles) is self-publishing a book.

- Jaz (Columbus, OH) has a question about investing while in Baby Step 2.

Hour 2: Aired on Tuesday, August 23, 2016

- Sharon (Phoenix) needs to know if she should walk away from her rental properties.

- Dave talks about getting too antsy with real estate when you can't afford it.

- Dave reads the Blinds.com question of the day from Becky, who asks if she and her husband should pause their debt snowball since he's facing a layoff.

- Dave reads a Facebook question from Gary, who wonders if he gets any return after his term life insurance expires.

- Dave reads a Twitter question from Mikey, who is disagreeing with his spouse over wants and needs in the budget.

- Joe (Houston) needs to know if index universal life insurance is good or bad.

- Chris (Oklahoma City, OK) is worried that he works too much and neglects his family.

- Clay and Azarina (Atlanta) are debt-free after paying off $96,600 in three years!

- John (Sacramento, CA) is 71 and wonders if he's too old for long-term care insurance.

- Jane (Minneapolis, MN) has a question about what to do with her house.

Hour 3: Aired on Tuesday, August 23, 2016

- Sam (Pulaski, TN) is a first-time homebuyer who wants advice from Dave.

- Joann (Cape Cod, MA) wonders how to fit home renovations into her Baby Steps.

- Lori (Boise, ID) has a question about combating identity theft after having her debit card numbers stolen several times.

- Barb (Springfield, MO) is at retirement age and doesn't have much saved.

- Damon (Phoenix) needs to know how to go to college debt-free.

- Dave reads the Scripture and quote of the day.

- Will (Dallas) wants to know how to stay motivated while working to get out of debt.

- Mandi (Phoenix) asks how to get out of a Chapter 13 bankruptcy.

Hour 3: Aired on Monday, August 22, 2016

- Deborah (Orlando) says her marriage is struggling because of money problems.

- Dave talks about how he and Sharon had tough times in their marriage during bankruptcy.

- Jason and Christine (Norman, OK) are debt-free after paying off $124,000 in two years.

- Darren (Phoenix) says his brother has offered to loan him money to pay off his debt.

- Dave reads the Scripture and quote of the day.

- George (Midland-Odessa, TX) wonders if he should borrow money or cash out an IRA to get rid of credit card debt he incurred for his business.

- Kathy (Houston) wants to know if using debit cards online is safe.

 Hour 2: Aired on Monday, August 22, 2016

- Nick (South Bend, IN) isn't sure how to talk to his dad about debt.

- Dave reads a Twitter question from Scott, who asks if Dave recommends a certain ratio of assets.

- Dave rants about the "stinkin' thinkin'" of people who villainize millionaires.

- Mark (Colorado Springs, CO) has questions about term life insurance versus whole life insurance.

- Adam and Cara (Peoria, IL) have paid off $13,000 in 18 months and are debt-free!

- Dave reads the Blinds.com question of the day from Jane, who wants to convince her indifferent fiancé to pay off his student loan debt.

- Sarah (Mobile, AL) wonders what to do with her whole life insurance money after she cashes the policy out.

- Lynn (Detroit) asks why she shouldn't use credit cards if she pays off the balance every month.

- David (Canada) works as a missionary and feels guilty about asking people to fund him.

- Dave reads a Facebook question from Sofia, who is engaged and wants to know if they should attend Financial Peace University now or after they're married.

Hour 1: Aired on Monday, August 22, 2016

- Robert (Pensacola, FL) wonders if he should let his dad buy him a car.

- Ed (Oklahoma City, OK) is being sued over a bad real estate transaction and is worried about losing his family's land in the suit.

- Tracy (Topeka, KS) wants to know how to handle a difficult small-business client.

- Chris and Brittany (Lincoln, NE) are debt-free after paying off $50,000 in 16 months!

- Kendra (Dallas) has a question about using cash to pay off her student loans.

- Lea (Birmingham, AL) wonders if she should use her 401(k) to pay off debt.

- Katy (Dallas) needs to know how much she should put into retirement.

- Dave reads a Twitter question about preventing identity theft.