Hour 2: Aired on Wednesday, July 20, 2016

- Susan (Greenville, SC) wants to know the best way to pay a home equity line of credit.

- Dave encourages listeners to refinance their homes while rates are so low.

- Dave reads a Twitter question from Hayley, who wonders how someone in the military can retire a millionaire.

- Ryan (San Diego) asks how to begin investing at age 16.

- Joe (Phoenix, AZ) has a question about selling back his car because of a recall.

- Dave welcomes guest Christy Wright to talk about Business Boutique.

- Dave and Christy read a Twitter question from Jennifer, who asks how Christy feels about starting a business on Etsy.

- Jill (Bloomington, IN) wants to know how to start a new business.

- Christine (Greenville, SC) wonders how to grow her business and still be there for her kids.

- Sara (Clearwater, FL) asks if she needs an employer ID number for her business.

Hour 2: Aired on Tuesday, July 19, 2016

- Josh (Colorado Springs, CO) wonders if he should suspend his retirement saving to rebuild his emergency fund.

- Greg (Houston) needs advice for his parents who are stingy with money.

- Dave encourages listeners to lead his most popular class, Financial Peace University.

- Jacob (Salt Lake City, UT) wants to know how to help his disabled parents maximize their retirement funds.

- Jackie (Myrtle Beach, SC) is in her 50s with little retirement savings and asks about debt consolidation and home refinancing.

- Kevin (Cleveland) has a question about saving for cars and his kids' college funds.

- Ian (San Jose, CA) wonders if he should save 40% in Baby Step 4 and retire sooner.

- Dave talks about Rachel Cruze's new book, Love Your Life, Not Theirs.

- Gabe (Salt Lake City, UT) asks about selling a rental.

- Janelle (Tampa, FL) has a question about cashing out an inherited IRA.

Hour 1: Aired on Tuesday, July 19, 2016

- Dave begins with his comments on the political conventions.

- LaToya (Atlanta) asks if her husband should take a job if they’d have to pay for day care.

- Rachel (Champaign, IL) wonders if she should pursue federal and state grants that would fund her education.

- Dave talks about the 14-Day Money Finder on RachelCruze.com.

- Traci (Houston, TX) is debt-free after paying off $35,000 in seven and a half months!

- Jennifer (Dallas) wants to know if a pastor can donate money from his side business to his own church and receive a tax deduction.

- Dave reads the Blinds.com question of the day from Brian, who asks if he should focus on giving, investing, or saving after graduating from college.

Hour 3: Aired on Tuesday, July 19, 2016

- Larry (Rapid City, SD) asks if he needs liability insurance.

- Gabriella (Odessa, TX) wants to know if she should buy a home her dad is selling before she gets out of debt.

- Dave reads a Twitter question from Ted, who wonders if it's okay to invest in single stocks after Baby Step 6.

- Charles (Phoenix) needs to know how to get his girlfriend on board.

- Rick and Sylvia (Midland-Odessa, TX) are debt-free after paying off $189,000 in five years!

- Bill (Akron, OH) wants to know if he should keep his car for now.

- Dave reads the Scripture and quote of the day.

- Matt (San Diego) needs to know how to start paying off debt.

- Dave talks about EntreLeadership 1-Day in Kansas City on October 19.

- Dave reads a Twitter question about quarterly 401(k) statements.

Hour 3: Aired on Monday, July 18, 2016

- Michelle (New York) wants to know how to pay off $117,000 of debt in a reasonable time frame on a $110,000 income.

- Dave talks about the upcoming Smart Money Tour events.

- Dave reads a Twitter question from Marie, who asks if age three is too young to start teaching kids about finances.

- Andy and Brooke (Philadelphia) are debt-free after paying off $70,000 in six years.

- Brandon (Fort Worth, TX) wonders how to help friends in debt.

- Tony and Leslie (Columbia, MO) have paid off $100,000 in 29 months and are now debt-free!

- Casey (Salt Lake City, UT) is on Baby Step 3b and asks if he's doing it right.

- Connie (Sioux City, IA) wants to know if she should pay off her mortgage.

- Dave asks millionaires to contact the show and tell their stories for an upcoming millionaire theme hour.

Hour 2: Aired on Monday, July 18, 2016

- Delia (Philadelphia) has a question about using her savings to pay her student loan.

- Bud (San Antonio, TX) wants to know if he should take a lump sum payout from his pension fund.

- Dave talks about our YouTube channel.

- Rachel (Indianapolis) wonders if a health savings account is considered an investment.

- Katelyn (Colorado Springs, CO) says her husband has been unemployed for six months and wants to go back to school.

- Mark and Jessica (Indianapolis) are debt-free after paying off $28,000 in one year!

- Dave promotes our free online budgeting tool, EveryDollar.

- Dave talks about the free 14-Day Money Finder tool on RachelCruze.com.

- Abe (Memphis, TN) wants to know how to budget when he earns a low income.

- Jess (Springfield, MA) wonders if she should consolidate her student loans.

- Dave goes on a rant about how you change your life when you realize you're the problem.

Hour 1: Aired on Monday, July 18, 2016

- Garrett (Salt Lake City, UT) is house poor and wonders if he should sell.

- Beth (Tampa, FL) wonders if she should buy a car or pay off her debt first.

- Mike and Shelly (Kansas City, KS) are debt-free after paying off $135,000 in seven years!

- Dave reads the Blinds.com question of the day from Amy, who needs help choosing a property management company.

- Dave welcomes guest Chris Hogan to the studio.

- Jay (Knoxville, TN) asks how to invest after his 401(k) is maxed out.

- Randall (Fresno, CA) wants to know how to invest as a teacher when the state teacher pension is unstable and unpredictable.

Hour 3: Aired on Friday, July 15, 2016

- Nicole (Phoenix) has questions involving her fiancé, his child-support debt, and her credit score.

- Mike (Fort Wayne, IN) says he and his wife are not on same page about money.

- Lane (Fort Collins, CO) asks about paying off rental properties.

- David and Gail (Bakersfield, CA) have paid off $82,000 in three years and are now debt-free!

- Dave reads the Scripture and quote of the day.

- Travis (Houston) wonders if he should sell his house and rent somewhere while he's paying off debt.

- Lester (Atlanta) wants to get his car title out of his mother's name.

Hour 2: Aired on Friday, July 15, 2016

- Brian (Boulder, CO) needs to know if he should pay for a car or his student loan first.

- John (Raleigh, NC) says his fiancée has a lot of debt.

- Dave reads the Blinds.com question of the day from Carolyn, who is behind on her electric bill and wonders if her electricity can be shut off.

- Debbie (Sacramento, CA) wants Dave's advice on taking a new job.

- Clint and Brittany (Chattanooga, TN) are excited to scream that they are debt-free after paying off $136,000 in 32 months!

- Ali (Sacramento, CA) wants to know if he should refinance a condo in Los Angeles.

- Philip (Huntsville, AL) wonders if he should pay off a house before selling it.

- Ann (Miami, FL) has questions about whole life and term life insurance policies.

Hour 1: Aired on Friday, July 15, 2016

- Anita (Raleigh, NC) hears success stories on Dave's show and wants to change her behaviors to have her own success story.

- Reggie (Little Rock, AR) wonders if his credit score will go away if he leaves his corporate credit card open.

- Kent (Boise, ID) is concerned about his wife, who has hidden debt from him and is making questionable money moves.

- Sandra (Tampa, FL) asks how soon she can buy a house after coming out of bankruptcy.

- Steve and Tracy (Detroit) are debt-free after paying off $100,000 in 20 months!

- Melanie (Fresno, CA) is retiring soon and wants to know if she should stop putting money into her Roth IRA.

- Dave reads a Twitter question from Chris, who asks if it's alright for newlyweds to have separate accounts for miscellaneous spending.

- Kenyetta (Dayton, OH) has a new baby and lots of debt, and she’s wondering what to do.