Hour 1: Aired on Monday, August 15, 2016

- Garret (Madison, WI) wants to know if he should ditch his universal life policy and buy term life insurance.

- Nathan (Fort Dodge, IA) wonders how to incorporate an extra check into his budget.

- Dave reads a Twitter question from Christine, who asks if it's biblically wrong to settle a debt for less than is owed.

- Nolan (Salt Lake City, UT) has a question about paying off a credit card versus paying for eye surgery.

- Bryce (Seattle) wants to know if he should take advantage of a student loan reimbursement program with the military.

- Dorine (San Diego) has a problem that involves bankruptcy.

- Tim and Tara (Kansas City, KS) have done an incredible job paying off $200,700 in one year to become debt-free!

- Dave promotes the upcoming Smart Conferences in Atlanta and Houston.

- Andrea (Charleston, SC) asks about starting a new business.

- Philip (Charleston, SC) needs to know how to get rid of his car.

- Dave reads the Blinds.com question of the day from Phillip, who is worried about getting burned out on budgeting.

Hour 1: Aired on Friday, August 12

- Drew (Fort Walton Beach, FL) asks about incorporating his multi-level-marketing business as a limited liability company.

- Brittany (Greenville, SC) wonders if she should pay her car loan or student loan first.

- Bob (Salina, KS) needs to know if using his savings to pay on the mortgage is a good idea.

- Harry (Indianapolis) asks about buying a home to rent out or to live in.

- Danielle (Kansas City, MO) wants to know if it's time to leave her job.

- Kris and Anna (Myrtle Beach, SC) have paid off $118,000 in six years and are now debt-free!

- Gustavo (Tucson, AZ) has a question about cash-flowing his wife's dental school tuition.

- Chad (Birmingham, AL) wonders if he should settle old debts or let them go.

Hour 3: Aired on Friday, August 12

- Roberta (Las Vegas) and her husband are disagreeing about helping her elderly mother-in-law, who has poor spending habits.

- Dave and Jen (Milwaukee, WI) paid off $110,000 in debt in six and a half years!

- Dave reads the Blinds.com question of the day from Harold, who asks how to get started on a budget since he's behind on bills.

- Saul (Toledo, OH) needs to know about saving for a house while in Baby Step 2.

- Patrick (Temple, TX) wonders if he should invest while saving for a house.

- Dave reads the Scripture and quote of the day.

- Adam (Orlando) has a question about emergencies versus paying debt.

- L.J. (Denver) wonders how to structure a small business.

Hour 2: Aired on Friday, August 12

- Kristen (San Bernardino, CA) asks if she should continue fixing her broken-down vehicle or buy another car.

- Jared and Danielle (Sioux Falls, SD) are debt-free after paying off $83,000 in 31 months!

- Connie (Kalamazoo, MI) wonders if she should get a "lady bird deed" (enhanced life estate) for her property.

- Jonathan (Orlando) needs to know when he should move his business into a more suitable building.

- Gerald (Los Angeles) has budgeting issues.

- Stephen (Fort Smith, AR) wants to know how to invest after college.

- Adrienne (Eugene, OR) is renting from her in-laws.

- Cody (Tri-Cities, WA) asks about the liability for a small business.

Hour 1: Aired on Thursday, August 11, 2016

- Drew (Muscle Shoals, AL) and his wife are expecting a child.

- Hazel (Lexington, KY) has a son who wants to buy her condo.

- Dave welcomes guest Anthony ONeal to the studio.

- Kaylan (Denver) wonders if her 15-year-old son should pay to replace his broken cell phone.

- Scott (Decatur, IL) has a son who joined the Army, and he wonders what to do with his college money.

- Dave asks Anthony to give his best piece of advice to kids who are going back to school this month.

- Dan and Merry (Fort Worth, TX) are debt-free after paying off $109,000 in 13 months!

- John (Albany, NY) wonders if he should cash in his deferred comp and pay off his house.

- Dave reads a Twitter question where the person asks how to become a Financial Peace University coordinator.

Hour 3: Aired on Thursday, August 11, 2016

- Girard (Grand Rapids, MI) wants to know how to budget for an irregular income.

- Alan (Orlando) asks how he can help guide his mother in a business decision.

- Dave reads the Blinds.com question of the day from Dave, who asks about keeping or selling his cars.

- Symone (San Francisco) wonders what sort of degree she should get.

- Dave talks about our YouTube channel.

- Stephen (Baton Rouge, LA) needs to know if he should take out a loan on his 401(k) to pay off credit card debt.

- Samuel and Brittany (Raleigh-Durham, NC) are debt-free after paying off $46,000 in three years!

- Crystal (Phoenix) says her husband owns a home with his parents, and she wonders how it will impact her taxes if they sell it.

- Dave reads the Scripture and quote of the day.

- Jason (Myrtle Beach, SC) wonders how to prepare for an upcoming layoff.

- Bob (Colorado Springs, CO) wants to know why credit cards are bad.

Hour 2: Aired on Thursday, August 11, 2016

- Dave goes on a short rant about taxing small businesses.

- Kimberly (Lexington, KY) says her husband is getting bad money advice from his father.

- Dave encourages listeners to sign up for our latest cash giveaway, Win With Money.

- Tom (Cleveland) is 66 years old and wonders if he can cash in his 401(k) to buy a second home in Florida.

- Chris (Atlanta) has $224,000 in debt that he wants to clean up.

- Julie and Stephen (Dallas) are debt-free after paying off $165,000 in 32 months!

- Cameron (Portland, OR) has a question about cash-flowing college and setting aside money for retirement simultaneously.

- John (San Luis Obispo, CA) wants to know the best way to get out of a timeshare.

- DeCarlo (Baton Rouge, LA) asks how to roll over an old 401(k) to an IRA.

Hour 1: Aired on Wednesday, August 10, 2016

- Sarah (Cincinnati) works for a multi-level marketing organization and her husband has doubts about it.

- Dave promotes our EntreLeadership 1-Day event, which you can attend in person or watch live online.

- Jeremy (San Antonio, TX) calls in to share a story about a timeshare salesman he met.

- Philip (Pensacola, FL) wonders about the order he should pay off his student loans.

- Dave reads a Twitter question from Elle, who wants to know where going back to school fits into the Baby Steps.

- Jeff and Angela (Thunder Bay, Ontario) are debt-free after paying off $58,700 in 25 months!

- Dave reminds listeners to schedule their debt-free screams several months in advance.

- Jill (Indianapolis) has a question about work-life balance.

- Kyle (Columbus, OH) wants to know how to get his wife on board with the plan.

Hour 2: Aired on Wednesday, August 10, 2016

- Katlin (Baltimore) asks how to set financial goals and make a path to achieve them.

- Robin (Nashville) wants to know about self-marketing and activating tribes.

- Dave reads a Facebook question from Kylie, who asks about the president's mortgage relief program.

- Dave encourages listeners to preorder Rachel Cruze's new book "Love Your Life, Not Theirs."

- Elizabeth (El Paso, TX) may be moving soon and needs to know what to do with her house.

- Sylvia (New York) asks what to do with a car lease.

- Chris (Atlanta) wonders if refinancing from a 30-year mortgage to a 15-year note is a good idea if he plans to pay it off early.

- Dave reads the Blinds.com question of the day from Levi, who asks about paying for college.

- Sergio (Fresno, CA) wants to know if he should sell a property.

- Michael (Chicago) asks if he should have gotten a reward for returning $2,000 he found in a bank parking lot.

- Michael and Melissa (Iowa City, IA) have paid off $52,500 in eight months and are debt-free!

- Michael (New York) has a question about buying his leased car when he turns it in.

- Dave reads a Facebook question from Shel, who is on Baby Step 2 and needs expensive dental work done.

Hour 2: Aired on Tuesday, August 9, 2016

- Nicole (Atlanta) wonders if she has too much house.

- Shawn (Wilmington, NC) asks how to help his underemployed mom.

- Jacob (Phoenix) wants to know the best way to get out of debt by the time he finishes college.

- Katie (Manhattan, KS) wonders if she's ready to buy a house.

- Angeles and Redmond (Salt Lake City, UT) are debt-free after paying off $50,000 in 32 months!

- Dave talks about the new 14-Day Money Finder tool at RachelCruze.com.

- Nick (Marion, IL) owns a trucking business but isn't getting much out of it.

- Michael (Philadelphia) has a question about tipping.