Hour 3: Aired on Friday, September 30, 2016

- Dave recaps the Smart Money event in Lowell, MA.

- Dave talks about the "Love Your Life, Not Theirs" book launch and book tour. 

- Michael (Appleton, WI) asks if he should pay off a $15,000 car or invest that money in a mutual fund. 

- Jeanette (Kansas City, MO) is paying a lot of private mortgage insurance (PMI) on a 30-year loan, but she has a good interest rate. Should she refinance? 

- Zach and Jessica (Dallas-Fort Worth, TX) give their debt-free scream. They paid off $160,000 in just four years. 

- Michelle (Oklahoma City) just signed a contract on a house and feels it was a mistake. She and her husband can't agree on trying to get out of it. 

- Dave shares the Scripture and quote of the day. 

- Ian (Oklahoma City) asks how to invest $1,000. 

- Antonio (Colorado Springs) recently lost a job and is wondering if it's a good idea to take out COBRA insurance while unemployed.

- Claire (Seattle) is 59 years old and has $1.7 million in mutual funds. Is she on track? 

Hour 2: Aired on Friday, September 30, 2016

- Dave recaps the Smart Money event in Lowell, MA. 

- Dave talks about the "Love Your Life, Not Theirs" book launch and book tour. 

- Essence (Tulsa, OK) is starting her debt snowball. 

- Joe (San Antonio, TX) asks if he should get a home equity line of credit (HELOC). 

- Nigel and Brianna (Tyler, TX) give their debt-free scream from the lobby. They paid off $111,290 in 63 months. 

- Dave answers the Blinds.com question of the day. Mike's parents can't pay off their car, but the finance company won't come get it. What should they do? 

- Tanya (St. Louis, MO) needs help with her escrow. 

- Dave talks about financial wellness and our SmartDollar program. 

- Ernest (Milwaukee, WI) is trying to plan for retirement. 

- Joyce (Phoenix, AZ) asks if selling their rental property is a good idea. 

- Dave answers Lisa's question from Facebook. She's finding it hard to stay on budget. 

Hour 2: Aired on Thursday, September 29, 2016

- Nathan (Kansas City, MO) needs help motiving his wife to ditch debt. She had a near-death experience and now lives "in the moment."

- Josh (Sacramento, CA) is going through a disagreement about an inherited house. What's the answer?

- Dave rants on the importance of a will.

- Rik and Jill (Jefferson City, MO) give their debt-free scream. They paid off $318,000 in four years.

- Megan (Los Angeles) has a fiancé with $30,000 in student loan debt, and now he wants to go to grad school.

- Dave answers the Blinds.com question of the day. Megan asks what to do with child support money when the kids are already taken care of without it.

- Brandon (Midland-Odessa, TX) recently graduated and has $80,000 in student loan debt.

- Dave answers Luke's question from Twitter. Is multi-level marketing a good way to build wealth?

Hour 3: Aired on Thursday, September 29, 2016

- Tanya (Phoenix) is moving to Northern California and wants to know if she should sell or rent the Phoenix house.

- Greg (Savannah, GA) is moving to Korea with the Army. Has he prepared enough or should he do more?

- Mario (Buffalo, NY) is considering taking out a home equity line of credit (HELOC) to help a family in need. Is this a good idea? 

- Jeff and Darla (St. Joseph, MO) give their debt-free scream. They paid off $58,000 in 21 months.

- Bill (Little Rock, AR) asks if he should take money out of a Thrift Savings Plan (TSP) to put a down payment on a house.

- Dave shares the Scripture and quote of the day.

- John (San Antonio) has a joint bank account with his parents.

- Eric (Milwaukee) bought a resort property, but the value has plummeted. Should he keep it and hope for recovery or sell?

Hour 1: Aired on Thursday, September 29, 2016 

- Adam (Indianapolis, IN) is starting to pay off his $200,000 in debt and needs advice.

- Lacey (South Bend, IN) asks how to coach her boyfriend on whether or not to buy a new truck.

- Valerie (Topeka, KS) is falling short on her budget every month and wants to fix it.

- Ron (Spokane, WA) is changing jobs. He has a small pension from his previous job. Should he cash it out?

- Ryan (Richmond, VA) works in a seasonal business and wonders how to budget to survive the winter months.

- Dave answers Angela's question from Twitter. How do you balance doing what you love and making good money?

- Dave talks about the Smart Money Smart Kids class.

- Ryan (Phoenix) wants to work on Baby Step 2, but his wife isn’t allowed to stop her retirement plan until the start of the next school year.

- Lisa (Fort Myers, FL) needs advice. Her mom cosigned on a loan with Lisa’s brother. Now the loan has been called. What can they do?

Hour 1: Aired on Wednesday, September 28, 2016

- Dave rants about why ObamaCare is failing.

- Rachel (Colorado Springs, CO) wonders if she needs to bulk up her emergency fund.

- Gerald (Tulsa, OK) questions if he should fix up his rental property.

- Delia (Houston, TX) asks if she should sell her house.

- Lee and Becky (Tucson, AZ) have paid off nearly $43,000 in 23 months and are excited to scream that they’re debt-free!

- Dave talks about upcoming live events.

- Dave promotes Rachel Cruze’s new book, “Love Your Life, Not Theirs.”

- Molly (Bangor, ME) wants to know if she should repair her car or replace it.

- Mary (San Antonio, TX) asks if refinancing is a good idea.

- Anna (Albany, NY) is curious about other health care options.

Hour 3: Aired on Wednesday, September 28. 2016

- Suzanne (Ontario, Canada) asks if she needs to buy critical care insurance.

- Terri (Tucson, AZ) wonders if remodeling the house is a good idea.

- Dave answers a Facebook question from Jamie about term life insurance for singles.

- Dave answers the Blinds.com question of the day from Crystal about biweekly mortgage payments.

- Dave runs through the upcoming schedule of live events and book signings.

- Nick and Kelly (Overland Park, KS) are excited to do their debt-free scream after paying off $48,000 in 18 months!

- Jay (Forth Worth, TX) asks how to get out of a $42,000 car loan with $18,000 negative equity.

- Mark (Lexington, KY) wants to know what he should pay off first.

- Joe on Twitter asks if he should pay his apartment lease in advance.

- Josh (Alberta, Canada) wonders if he should use his savings to pay off his car loan.

- Dave talks about the Smart Money events in Boston and Charlotte.

Hour 2: Aired on Wednesday, September 28, 2016

- Chris Brown is in the studio taking calls with Dave.

- Matt (Decatur, IL) asks if his plan to save for a car will work.

- Scott (Detroit, MI) wants advice about getting out of debt.

- Dave promotes the radio show, “Chris Brown’s True Stewardship.”

- Dave runs through the stops on Rachel Cruze’s upcoming book tour.

- Jenny (Des Moines, Iowa) is upside-down on her car and wants to know if she should sell it.

- Rob and Wendy (Orlando, FL) are in the lobby to do their debt-free scream after paying off $240,000 in five years.

- Jim (Lansing, MI) wonders when he can get rid of his term life insurance.

- Tanya (Dayton, OH) wants to know if she should buy a new Camaro.

- John (Beaumont, TX) asks for advice on saving money.

- Theresa (Birmingham, AL) wants to know how to structure her debt payoff.

Hour 3: Aired on Tuesday, September 27, 2016

- Nancy (Fort Myers, FL) is on Baby Step 2 and wonders if she should keep her troublesome vehicle.

- Nina (Alberta, Canada) says her 18-year-old son is going over the data limit every month on the cell plan and she and her husband are not on the same page about it.

- Dave answers Kelsey's question from Twitter. Does having a zero credit score get you a better interest rate? 

- Dean and Svetlana (Bakersfield, CA) give their debt-free scream. They paid off $30,000 in debt from a brand-new van in eight months.

- Dave talks about the live events coming up and Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Dave shares the Scripture and quote of the day.

- Joseline (Houston, TX) has student loan debt from her graduate degree, is getting married in January, and is curious if she and her husband should buy a house.

- Dave answers the Blinds.com question of the day. Audrey in Arizona asks if she should consolidate her $26,000 in student loans.

- Elizabeth (Philadelphia, PA) needs advice. Her husband has been laid off twice, started flipping houses, and is going back into engineering. 

Hour 1: Aired on Tuesday, September 27, 2016

- Carla (Albuquerque, NM) wonders if her son should buy a house or rent an apartment. He has no debt, $10,000 in savings, and a good job. 

- Julia (New York, NY) needs help tackling $265,000 in student loan debt from law school.

- Dave talks about upcoming events.

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

- Michela (Los Angeles) asks if she and her husband should save for retirement during the debt snowball.

- Bill and Angie (Cadiz, KY) give their debt-free scream from the lobby after paying off $68,000 in five years and three months. 

- Carrie (Baltimore, MD) has been offered a pension buyout for $16,500 and wonders what to do next. 

- Dave talks about Rachel Cruze’s 14-Day Money Finder. 

- Jaden (Manitoba, Canada) has been denied a promotion at work. Should he leave for another job?

- Dave talks about the dangers of nepotism and the importance of integrity.