Hour 3: Aired on Thursday, February 9, 2017

- Chris (Tampa, FL) asks if they should take advantage of a government grant program to buy a house. 

- Dave answers Sarah's question from Twitter. Her retirement plan is a defined pension based on the last three years. Should she open an IRA and put 15% of her income in it?

- Dave talks about the digital marketing positions open at Ramsey Solutions. 

- Xavier (Chicago, IL) is caught between wanting to buy rental properties and paying down debt.

- Michael (Philadelphia, PA) wants to help his estranged niece with money she inherited.

- Pam (Raleigh-Durham, NC) does her debt-free scream. She paid off $41,724 in 14 months.

- Kirk (Montgomery, AL) is considering using mutual funds to pay off the house. 

- Dave shares the Scripture and quote of the day. 

- Tina (Wichita, KS) is a real estate agent. What should she do with her money? She disagrees with her husband. 

- Pam (Sacramento, CA) isn't on the same page with her husband and it's stressing her out. 

Hour 1: Aired on Thursday, February 9, 2017

- Pete (Nashville, TN) is investing for retirement, but he's thinking about stopping to fund a 529 account for the kids. 

- Justin (Fort Meyers, FL) is doing real estate part-time, and wants to make the leap to full-time. When should he do it?

- Chelly (Charlotte, NC) is behind on her student loan payments. 

- Allison (Allentown, PA) isn't sure how to attend medical school without incurring debt. 

- Charlie and Jennifer (St, Louis, MO) do their debt-free scream. They paid off $149,473 in 53 months. 

- Dave answers the Blinds.com question of the day. Kyle's wife isn't excited about the debt snowball and wants to work her own plan. It isn't working. 

- Neyssa (Allentown, PA) is moving in with her parents temporarily. Should they save up cash to move to Philly or pay off debt? 

- Debra (Atlanta, GA) asks why they need an emergency fund with their various sinking funds.  

Hour 2: Aired on Thursday, February 9, 2017

- Luis (Kansas City, MO) owes more on his car than it's worth. How does he get rid of it?

- Dave answers Rachel's question from Twitter. What's the craziest thing that has ever happened on air?

- Dave talks about upcoming live events. 

- Mike (Portland, ME) has a high schooler. How do they save for his college while they dig out of $100,000 in debt? 

- Kevin (Charlotte, NC) is considering buying his own big rig. Should he?

- Brandon (Raleigh-Durham, NC) has savings, but isn't sure what to do with it. 

- Douglas (Austin, TX) gained $60,000 after selling his house.

- Ebony (Birmingham, AL) wonders what to do with the annuity her husband inherited. 

- Joyce (Kansas City, MO) is 69 and asks if she should pay off the house if it will deplete her cash on hand.

Hour 1: Aired on Wednesday, February 8, 2017

- Guest Christy Wright joins Dave in studio to discuss her new book, "Business Boutique", and the topic of women running small businesses.

- Candace (Dayton, OH) feels like her age is working against her in the hunt for clients. 

- Connie (Lafayette, IN) asks how to help her team understand the "why."

- Kenneth and Anna (Raleigh-Durham, NC) do their debt-free scream. They paid off $99,087 in 25 months. 

- Lucy (Orlando, FL) is calling for her husband. Her husband is a trustee for a property with the potential of a strip club as a tenant. 

- Jessica (Tampa, FL) has $250,000 in law school student loans and she's starting to panic.

Hour 3: Aired on Wednesday, February 8, 2017

- James (Atlanta, GA) isn't sure where to go after Baby Step 4. 

- Essence (Tulsa, OK) is paid biweekly. How can she budget?

- Dave responds to a Twitter question about the "magic month" he mentioned on the call with Essence. 

- Dan (Quincy, IL) asks if he should use Social Security to pay his mortgage. 

- Dave answers the Blinds.com question of the day. Candi's mortgage company hasn't been applying her extra payments to the principal. How can she fix that?

- Ashley (Atlanta, GA) wants to switch the order of the Baby Steps in their case. 

- Dave answers Sarah's question from Twitter. Should they give their middle school daughter an allowance to teach her about money? 

- Lin (San Antonio, TX) does her debt-free scream. She paid off $68,036 in 33 months.

-  Erika (Orlando, FL) is a single mom. Where does she start getting control of her money?

- Dave shares the Scripture and quote of the day. 

- Jeff (Orlando, FL) needs to fund his daughter's wedding but would like to do it without those pesky gift taxes. 

- Richard (Bloomington, IL) asks if he should sell his car.

Hour 2: Aired on Wednesday, February 8, 2017

- Steve (Richmond, VA) isn't sure when to replace his car.

- Lauren (Charlotte, NC) and her husband are trying to figure out how to attack his $250,000 in law school student loans. He's having a hard time finding good work. 

- Country artist John Rich joins Dave in studio to talk about the launch of his "Redneck Riviera" in Las Vegas. 

- Dave talks about John's appearance at EntreLeadership Summit in May. 

- Omega (Brooklyn, NY) does a debt-free scream after paying off $42,000 in 7.5 months. 

- Amanda (Chicago, IL) asks if now is a good time to buy income-producing property. 

- Marville (Roanoke, VA) is considering using part of their emergency fund to make a down payment. It would take them from six months or readiness down to four. 

- James (Nashville, TN) needs to know how much to put toward debt each month. 

- Zachary (Los Angeles) asks how to attack student loan debt while in school. 

Hour 2: Aired on Tuesday, February 7, 2017

- Alicia (Nashville, TN) leased a minivan before reading Dave's book.

- Rick (Nampa, ID) is considering buying a new house. Should they?

- Darlene (Oklahoma City) is receiving money from mineral rights on property she's inherited. How should she invest it?

- Juanita (Dayton, OH) asks if reverse mortgages are ever a good idea. 

- Dave talks about openings here at Ramsey Solutions. 

- Rudolph (Madison, WI) has $50,000 in medical bills that has been turned over to collections. How can he settle? 

- Dave answers the Blinds.com question of the day. Eric is advising elderly clients who want to use a whole life policy to leave money for their church. Good or bad?

- Dave talks about George Orwell's "1984" being #1 on the Publisher's Weekly best-seller's list this week. 

- Ty (Eugene, OR) is running into problems with his mortgage bank. Is it ok to pay on his mortgage bi-weekly? 

- Jill (Leesburg, VA) owes $11,000 on their second mortgage on a $44,000 income. They're getting a $7,000 refund. In what Baby Step should they pay it off?

Hour 3: Aired on Tuesday, February 7, 2017

- Justin (Lansing, MI) asks how to handle a $2,000 gift given to his 1- and 3-year-old kids.  

- Katie (Orlando, FL) has four toddlers at home. Should she go to work at a preschool, which would mean a tuition discount?

- Dave talks about Christy Wright's new book, "Business Boutique."

- Scott (Chicago, IL) is paying his parents back for $50,000 in student loans. How fast can he do this making $100,000?

- Ethan and Cady (Springfield, IL) do their debt-free scream after paying off $55,000 in 28 months. 

- Malcolm (Austin, TX) is reaching a threshold on their deductible IRA. What are the best ways to invest now?

- Dave shares the Scripture and quote of the day.

- John (Minot, ND) is considering selling some paid-off rental properties to pay off his others. Should he? 

- Mason (Oklahoma City) can't seem to sell his mobile home. It's been on the market for three years. 

Hour 1: Aired on Tuesday, February 7, 2017

- Leslie (Cleveland, OH) isn't sure how much life insurance they need. 

- Bethany (Rockford, IL) is considering enrolling in a public student loan forgiveness program. 

- Dave talks about the popular online budgeting tool, EveryDollar. 

- Ryan (Toronto, Ontario) is doing well in his business. Now what?

- Ashua (Phoenix, AZ) asks about paying off debt with stocks. 

- Kaysee (Baton Rouge, LA) does her debt-free scream. She paid off $23,000 in a year.

- Jean (Cincinnati, OH) has $3 million saved, and none of it is in investments. What should they do now?

- Darren (Sacramento, CA) has rental property in Southern California. Should they sell it to pay off debt?

- Dave answers Jason's question from Twitter. What does Dave do when he's not on the radio or at an event?

- Dave answers Joe's question from Twitter. If he's trying to be gazelle intense, how should he approach dating on a tight budget? 

Hour 2: Aired on Monday, February 6, 2017

- Ashley (Indianapolis, IN) asks how to pay off student loans. 

- Jim (Pueblo, CO) is being offered an annuity by his financial advisor. Is this a good idea?

- Dave talks about the importance of Financial Peace University. 

- Lloyd (Lexington, KY) was diagnosed with cancer. His term policy expires in two years. Should he sell it for a "life insurance settlement?"

- Brad (Toledo, OH) does his debt-free scream. He paid off $144,000 in 53 months. 

- John (Chicago, IL) gets child support from his ex-wife. How should he use that? Pay off his car or save for his son's college?

- Dave answers Ann's question from Facebook. She has three credit cards. Shouldn't she pay off the one with the highest interest rate first?

- Stacy (Dallas, TX) is concerned about her husband putting money into his non-matching 401(k)?

- Bryan (Binghamton, NY) is in Baby Step 2. His wife wants to go back to school to become a nurse. She'd have to quit work. Is this a good idea?