Hour 2: Aired on Tuesday, July 5, 2016 

- Roy (Hartford, CT) suffers from PTSD and lives off Social Security disability but wants to improve his situation.

- Donna (Fort Lauderdale, FL) has a question about cashing in a whole life insurance policy.

- Dave talks about Christy Wright's upcoming Business Boutique event in Nashville in November.

- Stephanie (South Bend, IN) says her husband is in an ownership dispute with his family business.

- Dave talks briefly about how family businesses should be run.

- Dave reads a Twitter question from Naomi, who asks if estate planning comes before or after Baby Step 1.

- Stacy (Milwaukee, WI) wonders if she and her new husband should buy a duplex and rent out the other side.

- Dave talks about Rachel Cruze's new book Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want, which comes out October 3.

- George (New York) wants to know if he should sell his paid-for car to pay off credit cards.

- Keith (Phoenix) has a question about what a realistic return would be for a real estate investment.

Hour 3: Aired on Tuesday, July 5, 2016 

- Eric (Milwaukee, WI) asks about making a contingent offer on a house versus putting down 5% on a 30-year note.

- Dan (Phoenix) wants to know if he can roll an inherited IRA into a Roth IRA.

- Dave talks about the importance of budgeting and encourages listeners to use EveryDollar.

- Dave (Phoenix) wonders if his church should take out a $300,000 loan for repairs.

- Chris (Augusta, GA) is debt-free after paying off $16,500 in 16 months!

- Dave reads a Twitter question from Thelma, who asks about the tax implications for cashing out mutual funds to pay off a car.

- Dave reads the Scripture and quote of the day.

- Dave talks about how Thomas Jefferson didn't guarantee happiness in the Declaration of Independence, but the right to pursue it.

- Jonathan (Richmond, VA) has a question about pausing Baby Step 2 to relocate in order to reduce his commute time.

- Jeremy (Houston) wants Dave's advice on real estate investing.

Hour 1: Aired on Monday, July 4, 2016

- Jay (New York) owes $25,000 in student loans and wants to pay it down with his late wife's 401(k).

- John (Tuscaloosa, AL) is middle-aged with no money in retirement except for his government pension.

- Dave reads a Twitter question from Adam, who asks if he should still tithe to his church when the leadership handles money unwisely.

- Joshua (Phoenix) wonders if he will have to assume his father's debt when he dies.

- Dave reads the Blinds.com question of the day from Carl, who asks whether he'll pay taxes if he sells the fine art he inherited.

- Chris and Lynn (Charlotte, NC) have paid off $63,000 in 26 months and are debt-free!

- Lisa (San Francisco) wonders how to get rid of a property she has owned since before she was married.

- Art (Denver) asks how to get a spouse on board with Dave's plan.

Hour 3: Aired on Monday, July 4, 2016

- Nick (Raleigh, NC) earns $110,000 a year but can't get his head above water.

- Ty (Medford, OR) asks if he should select a 457(b) or Roth IRA.

- Maurice (Baton Rouge, LA) has a question about a new or existing build.

- Thomas and Keesha (Raleigh, NC) are debt-free after paying off $94,000 in three years!

- Dave reads the Scripture and quote of the day.

- Dave talks about the various debt-free visitors meeting and becoming friends in the lobby.

- Josh (Phoenix) asks what to do with an inheritance.

Hour 2: Aired on Monday, July 4, 2016

- Cynthia (Fort Worth, TX) has a question about putting a rental home in Baby Step 2.

- Earl (Kansas City, MO) got a job offer via email and asks if it's a scam.

- Kaitlyn (St. Louis, MO) wonders if she should put $5,500 into a Roth IRA or put it toward a house down payment.

- Caroline (Boston) asks if she should use a PPO or HSA while she has student loan debt.

- Carole (College Station, TX) is in her 70s and needs to know if she should take money out of investments and put it in a money market account.

- Christi (Denver) has paid off $16,000 in five months and is debt-free!

- Mary Ann (Saginaw, MI) is 78 years old and needs money for a new roof but doesn't want to ask her kids for help.

- Tim (Columbus, OH) says his wife wants to do multi-level marketing.

Hour 2: Aired on Friday, July 1, 2016

- Daniel (Midland, TX) earns a good income but isn't getting any traction and wants to get started on Dave' plan.

- Dave has a quick rant about how your motorized vehicles will sink your finances if you're not careful.

- Dave goes over the various ways you can consume the show for free.

- Dave rants about dealing with people in business.

- Nick and Amanda (Jackson, MS) are excited to scream that they've paid off $42,000 in 14 months and are now debt-free!

- Gail (Flint, MI) asks how long it will take for the government to take her daughter's home since she isn't paying property taxes.

- Brenda (Dover, DE) wonders how to focus on her money goals since her income went down.

- Elena (Miami, FL) wants to know if she should stop 401(k) contributions to focus on other goals.

Hour 1: Aired on Friday, July 1, 2016

- Donna (Nashville) asks if she can get rid of the liens on her late husband's house without going through foreclosure.

- Anthony (Los Angeles) wonders if his wife should accept a $150,000 loan from her future employer that will be forgiven after seven years.

- Ally (Springfield, IL) has a question about adapting and scaling the Baby Steps to help get her church out of debt.

- Jonathan and Gina (Moultrie, GA) are debt-free after paying off $38,000 in 20 months!

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

- Shelley (Des Moines, IA) wants to know if she should cash out the 529 plan she has for a four-year-old child to pay off debts.

- John (San Antonio, TX) needs to know about cashing out retirement savings to make a down payment on a house.

- Katie (Provo, UT) and her husband are disagreeing about what to do with a rental property.

Hour 3: Aired on Friday, July 1, 2016

- Dave rants about how Americans don't pay attention to their money and get deeply in debt.

- Jordan (Greenville, SC) just graduated college and asks if he should work toward buying a house.

- Alex (Tyler, TX) wants to talk to his parents about his decision to join the military as a chaplain.

- Jade (Cookeville, TN) has paid off $19,500 in 19 months and is debt-free!

- Evan (Seattle) wants to know Dave's advice on buying foreclosures to get a great buy.

- Dave reads the Scripture and quote of the day.

- Dave reads the Blinds.com question of the day from Jason, who asks if it's wise to sell stock to raise money for a down payment.

- Carlyn (Phoenix) wants to know how to start a Roth IRA since she's in college.

- Scott (Atlanta) has a house that shot up in value and he wants to sell it.

- Dave reads a Facebook question from Pam, who wonders if it's ever a good idea to have an extra cancer policy on your insurance.

Hour 3: Aired on Thursday, June 30, 2016 

- Nicholas (Portland, ME) asks where he can invest since he doesn't meet the income requirements for a Roth IRA or 401(k).

- Dave talks about our various kids' products.

- Arielle (Seattle) wonders if her husband should quit his part-time job.

- Allen (Madison, WI) is inheriting a cabin with his wife's siblings.

- Luke and Meghan (Kansas City, MO) are thrilled to scream that they are debt-free after paying off $34,500 in 16 months!

- Dave reads the Blinds.com question of the day from Allie, who asks where to put her medical bills in the debt snowball.

- Dave reads the Scripture and quote of the day.

- Tiffany (Baltimore, MD) wonders what to do with extra homes after getting married.

- Jacob (Enid, OK) is a 19-year-old college student who wants to start investing.

- Steve (Winchester, VA) has a question about taking over rentals.

Hour 2: Aired on Thursday, June 30, 2016

- James (Knoxville, TN) wants to know how to handle old medical debt.

- Davis (Raleigh, NC) is 14 years old and owes $21,000 to his 16-year-old brother.

- Dave talks about the upcoming Smart Conferences in Houston and Atlanta.

- Richard (Raleigh, NC) wants to know where he should invest his money.

- Christine (Austin, TX) asks where a house should go in the Baby Steps.

- Martese (Decatur, IL) has been served papers on a debt and wants to know if it's legit.

- Chris and Andrea (Cleveland) are debt-free after paying off $55,000 in 34 months.

- Brittany (Minneapolis, MN) wonders if buying a condo in an HOA is a good idea.

- Justin (New York) wants to move to Florida, but he has no job lined up.

- Rachel (Charlottesville, VA) asks if her husband should take a side business and go full time to pay off debt.

- Dave reads a Twitter question from Kevin, who asks Dave's take on duplexes/triplexes and renting them out for extra income.