Hour 3: Aired on Tuesday, August 9, 2016

- Dave welcomes Chris Brown to the studio to take calls.

- Tara (Cookeville, TN) wonders if she should stop putting money into her husband's retirement fund so they can finish paying off the house.

- Scott (New York) asks if he should roll an annuity over to an IRA.

- Dave and Chris read the Blinds.com question of the day from Christy, who wonders if they have any advice for a kid who is starting a business.

- Dave and Chris talk about the upcoming live event schedule.

- Kat (Houston) asks what to do with her savings.

- Janet (Los Angeles) wants to know if she's overfunding Baby Steps 4 and 5.

- Dave talks about SmartVestor, our new tool that helps listeners find investing professionals.

- Marilyn (Kansas City, MO) asks how to handle a 529 plan since her eldest child got enough scholarship money to cover her tuition.

- Ron (Columbia, SC) has a question about what to do with an annuity.

- Dave reads the Scripture and quote of the day.

- Karen (Fort Lauderdale, FL) wonders if she can do Dave's program without her husband's participation.

- Dan (Indianapolis) needs to know if he should upgrade his house.

Hour 1: Aired on Tuesday, August 9, 2016

- Natasha (Oakland, CA) wonders if she should worry that her husband spends a lot.

- Sylvia (Tucson, AZ) asks if she should refinance her 35-year-old daughter's car.

- Dave talks about our YouTube channel.

- Joe (Dallas) has a question about handling his mother's estate.

- Cheyenne and Todd (Dallas) have paid off $104,000 in four and a half years and are now debt-free!

- Chuck (Naples, FL) needs to know what to do with the cash-value insurance policy he bought for his grandson.

- Dave reads a Facebook question from Ashley, who wants to know the fastest way to pay off student loans without going broke.

- Ted (Coeur d'Alene, ID) asks if he should pay his mortgage biweekly.

- Danielle (Kalamazoo, MI) wonders if she should sell her house.

Hour 3: Aired on Monday, August 08, 2016

- Chris (Phoenix) is wondering about switching careers after getting a job offer.

- Ashley (Atlanta) asks if she should refinance her car.

- Dave recaps Brexit and how the economic fallout following the vote was really inconsequential.

- Troy (Jacksonville, FL) got rid of $42,000 in debt in two years and is now debt-free!

- Dave reads the Scripture and quote of the day.

- Dave talks about SmartVestor.

- Samantha (Phoenix) has a husband who isn't on board with the plan.

Hour 2: Aired on Monday, August 08, 2016

- Dave talks about the Baker Street opening theme and reads a tweet from a listener who wants us to change it.

- Sharon (Dallas) asks about doing a deed in lieu of foreclosure.

- Justin and Katie (Dayton, OH) paid off $32,000 in 15 months and are now debt-free!

- Dave talks about family trees being changed.

- Dave welcomes guest Christy Wright to talk about balancing work and life for women in business.

- Tess (Las Vegas) needs to know how she can grow her business in the off season.

- Elaina (Phoenix) wonders if she's ready to leave her job to go into real estate full-time.

Hour 2: Aired on Friday, August 5, 2016

- Louise (Birmingham, AL) needs to know if she should stop contributing to her retirement in order to pay off the house early.

- Stacy and Tiffany (Nashville) are debt-free after getting rid of $109,500 in 33 months!

- Chris (Dallas) asks about selling a house.

- Matt (Valdosta, GA) wonders if he should slow down his 401(k) contributions to pay down debt.

- Jean (Chicago) asks how she can regain the passion she once had for the bakery she runs.

- Dave talks for a little bit about how he speaks up against bad financial products like whole life insurance and timeshares.

- Kimberly (St. Louis) wants to know how to have enough money at retirement.

Hour 3: Aired on Friday, August 5, 2016

- Russell (Chicago) has a question about the benefits of not having a mortgage.

- Sarah (Richmond, VA) wonders how to balance the debt snowball with her other priorities.

- Jamie (San Antonio, TX) wants to know if it's all right to change jobs.

- Matthew and Donna (Cincinnati) are debt-free after paying off $53,000 in nine months!

- Rich (Kansas City, KS) wants to know if he should use his equity to pay for student loans or a house.

- Dave reads the Scripture and quote of the day.

- Stacy (San Antonio, TX) asks if she should bump her Roth 401(k) contributions up to 15%.

- Sara Lyn (Pensacola, FL) wonders if she should refinance her house to pay off IRS debt.

- Chris (Grand Rapids, MI) has a question about joining a friend's business.

Hour 1: Aired on Friday, August 5, 2016

- Dave (Boston) asks if he should cash out a brokerage account to pay off his mortgage.

- Dave reads a Twitter question from Debbie, who wants to know the type of account she should put her emergency fund in.

- Mike (New York) wonders if he should tithe while in Baby Step 2.

- Bill (Houston) wants to give property as a gift.

- Aaron and Serenity (Los Angeles) have paid off $135,000 in four and a half years and are now debt-free!

- Nick (Boise, ID) has a question about paying down his principal balance versus doing a renovation and remodel.

- Al (Las Vegas) wonders if he should sell his rental property.

- Rob (West Palm Beach, FL) wants to start a business, but he's under a non-compete agreement.

Hour 1: Aired on Thursday, August 4, 2016

- Katie (San Diego) has a husband who says he works too hard to be on a budget.

- Dave talks about how marriages work better when both spouses work together.

- Andrea (Detroit) isn't sure what to do since her husband can't work until he recovers from an accident.

- Ethan (Logan, UT) asks about buying a house that has a small down payment versus enrolling in a program that builds homes for low-income earners.

- Dennis and Kelly (Springfield, IL) have paid off $44,000 in eight months and are now debt-free!

- Dave reads the Blinds.com question of the day from Randy, who wants to know the difference between a "last will and testament" and a "living trust."

- Dave reads a Twitter question from Truitt, who wonders how he can budget with a feast-or-famine freelance job.

Hour 2: Aired on Thursday, August 4, 2016

- Dave welcomes guest Chris Brown to the studio this hour.

- Danielle (Los Angeles) wants to know if she should use her home equity for a business investment.

- Daniel (Los Angeles) has a question about building a home versus buying an existing one.

- Doug (Jefferson City, MO) is upside down on a rental property and can't make the monthly payment.

- Mary (Oklahoma City, OK) needs to transfer her recently-deceased mother's IRA.

- Josh and Grace (Austin, TX) are debt-free after paying off $33,000 in 13 months!

- Brenda (Memphis, TN) wonders if she should cash out $31,000 in retirement savings to pay ongoing medical expenses.

- Dave promotes Chris Brown's True Stewardship.

- Dave talks about our EntreLeadership 1-Day Event that's coming to Kansas City on October 19.

- Mike (Colorado Springs, CO) asks if he should buy a second home.

- Jason (El Paso, TX) wants to know if his wife should sue for child support.

Hour 3: Aired on Thursday, August 4, 2016

- Pam (Tulsa, OK) wonders if refinancing is a good idea in her situation.

- Jill (Washington, D.C.) asks if she should stop her student loan payments to attack other debt, since she has paid ahead on the school loans.

- Dave talks about the different ways to follow him on social media.

- Dave reads mean things people have said about him on Twitter.

- Dave talks about our Win With Money cash giveaway contest at DaveRamsey.com.

- Derek and Samantha (Simi Valley, CA) paid off $115,000 in three years and are debt-free!

- David (Jacksonville, FL) wonders what he should do with a thrift savings plan.

- Dave reads the Scripture and quote of the day.

- Oliver (San Antonio, TX) is working through bankruptcy and has a question about saving for a better car.

- Ron (South Bend, IN) wants to know if he should use his IRA to pay down the house.

- Daniella (Phoenix) asks if she should pause her debt snowball to pay for her 6-year-old son's open-heart surgery.