Hour 1: Aired on Wednesday, September 21, 2016

 - Julie (Las Vegas) has four kids. How can she plan for the extra money she’ll need for everything?

- James (Atlanta) asks how to save for college for their 4 small kids.

- Wade (Idaho Falls, ID) wonders if he should sell his triplex.

- Rachel (Springfield, IL) asks if she should give money to her nephew.

- Rick (Fort Wayne, IN) asks how he can help direct his grown children.

- Jeremy (Denver) is debt free paying off $37,000 in 4 years.

- Carol (Oakland) is considering life insurance. Should she get it?

- Dave answers Steven’s question from Twitter. Should he ask for and expect a discount if paying cash for a car?

- Dave talks about the radio show Chris Brown’s True Stewardship.

- Amanda (Huntsville, AL) asks if it’s too late to save for retirement.

- Dave answers the Blinds.com question of the day. Jeff has a $33,000 loan. Should they convert it to a HELOC and 401(k) loan?

- Dave answers David’s Twitter question. What kind of chair does Dave use in studio. SPOILER: Dave doesn’t know.

Hour 1: Aired on Tuesday, September 20, 2016

- Belinda (New York) asks if she should buy a house.

- Heath (Dallas) is trying to decide between a mortgage or an investment property.

- Dave answers Jose's Twitter question. Is there a liimit to how much someone can invest in a single mutual fund? 

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

- Dave answers the Blinds.com question of the day. Deanna is looking for Dave's opinion on checking accounts that round up purchases to the nearest dollar and deposit the change into savings. 

- James (Bloomington, IN) is considering going back to school to become a real estate agent. 

- Willy and Aly (Orlando) give their debt-free scream. They paid off $43,000 in just 22 months. 

- Paul (Portland, OR) is having a hard time with his parents selling a home that has sentimental value. 

- Mitch (Omaha) wonders if starting a new business was a smart idea. 

- Christie (Sacramento) and her husband have a second mortgage with a balloon payment due in four years. What should they do?

Hour 2: Aired on Tuesday, September 20, 2016

- Dave's in-studio guest is Inky Johnson, the former University of Tennessee football player.

- Dave talks about Inky's speaking engagements at the Smart Conferences in Atlanta and Houston in October. 

- Chris and Janan (Detroit) give their debt-free scream. They paid off $77,000 in just 21 months. 

- June (Cincinnati) asks if helping her kids on their student loans would count toward the gift tax threshold. 

- Dave answers Josh's question from Facebook. What's the best way to get out of a car lease?

- Margo (Tulsa, OK) is worried about turning her bank account info over when paying for a hospital bill. 

- Tom (Kansas City, MO) asks if he should refinance his home equity line of credit into a first mortgage so he can get past Baby Step 2. 

- Dave talks about the upcoming Smart Money Tour events. 

- Carson (Anchorage, AK) thinks it may be time to get a nicer car. 

Hour 3: Aired on Tuesday, September 20, 2016

- Sarah (Atlanta) needs help talking to her stepdaughter. 

- Claire (Kansas City, MO) is considering buying a new car. Should she?

- Michael (Tampa) asks for Dave's thoughts on cash value life insurance as an investing tool. 

- Dave answers Matthew's Twitter question. Are growth stock mutual funds recession-proof? 

- Dave rants about smartphones and how they've become a necessity. 

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

- Dave shares the Scripture and quote of the day. 

- Shannon (Columbia, SC) received a $10,000 personal injury settlement. What's the smartest option for that money?

- Dustin (Madison, WI) wants to get friends involved and excited about Dave's plan. How can he do that? 

Hour 1: Aired on Monday, September 19, 2016

- Allen (Little Rock, AR) asks when he should talk to his son about money. 

- Julie (Honolulu) wonders if it's wise to cash out an IRA for a down payment on a home. 

- Brenna (Colorado Springs) asks what to do with rental property. 

- Carla (Albuquerque, NM) is facing a company merger at work and her 401(k) will change. What should she do about her 401(k) loan? 

- Andrew (Albany, NY) gives his debt-free scream from the lobby after paying off $197,000 in 8 years. 

- Betty (Baltimore, MD) has an empty nest. All five kids have moved out. Should she downsize and rent out their family home? 

- Shane (Phoenix, AZ) worries that his future in-laws may be taking out a loan to buy a gift. 

- Harrison (Dallas) has a whole life policy his mom bought when he was a child. If he cashes it out, should he give his parents the money? 

- Chaz (Louisville, KY) got married in June, makes $65,000, and is working on Baby Step 3. Should they focus on starting a family, or should he go back to school for a better job?

Hour 3: Aired on Monday, September 19, 2016

- Shayla (San Antonio) just lost her car in an accident. The insurance company is offering less than that she feels the car is worth. What should she do? 

- Philip (Raleigh-Durham. NC) is attempting to sell his house in Alabama. Should they do a deed instead of a foreclosure?

- Samantha (Tulsa, OK) asks how she can make a business plan for a product she's developed. 

- Adam (Phoenix, AZ) just got a new job. Should he get a better car?

- David (Honolulu) is debt-free after playing off $18,000 in 19 months. 

- Dave shares the scripture and quote of the day. 

- Dave talks about the online budgeting tool, EveryDollar.

- Carol (Grand Rapids, MI) wonders if her parents should refinance or do a reverse mortgage. They're in their mid-80's.

- Dave answers a question from Twitter. Sam asks how Dave defines "broke people." 

 Hour 2: Aired on Monday, September 19, 2016

- Andy (Fort Wayne, IN) asks if he can use 529 money to pay for college classes through his kids' high school. 

- Kelli (St. Joseph, MO) is making better money. Should she take a break from school to pay off loans and cash flow the rest? 

- Dave answers the Blinds.com question of the day. Sherry has $52,000 in student loan debt with a $41,000 income. How can she stay motivated?

- Julie (Baltimore, MD) is on a teacher pension plan. Now that's she's vested and no longer teaching, should she take a buyout and invest somewhere else? 

- Jennifer (Pueblo, CO) has ongoing health issues that are causing setbacks in the baby steps. 

- Aaron and Nicole (Dallas, TX) give their debt-free scream from the lobby. They paid off $75,000 in 35 months. 

- Andy and Liz (Grand Rapids, MI) ask a question from the lobby. How can they help a sister going through a divorce? 

- Howard (Baltimore, MD) has a young daughter living in a third-world country. How can he best support her and make sure she gets her inheritance?

- Suzanne (San Diego) has a number of millennials in her FPU class. How can she convince them to pay off their revolving debts?

Hour 3: Aired on Friday, September 16, 2016

- Clint (Atlanta) owes more on his cars than they're worth. Should he sell them or pay them off?

- Dave lays out the upcoming Smart Money Tour schedule.

- Marsha (Eureka, IL) asks how to move his retirement plan from an old employer to her new one. 

- Eric (Lexington, KY) is being offered a health savings account. What are the advantages and what should he know? 

- Victoria (Madison, WI) gives her debt-free scream after paying off $65,000 in 18 months.

- Nick (College Station, TX) needs help with inheritance taxes.

- Dave shares the Scripture and quote of the day. 

- Trisha (Boise, ID) asks about retiring before the age of 59 and a half. Her husband wants to retire at 53.

- Dave announces he'll be speaking at Bayside Community Church in Tampa, Florida, this Sunday. 

- Daniel (Fresno, CA) asks if it's wise to sell the house and pay off debt with the equity.

- Dave answers Donnie's Twitter question. Is personal liability umbrella insurance a good idea?

Hour 1: Aired on Friday, September 16, 2016

- Dave talks about the Smart Money event that was streamed live on Youtube for free. 

- Mary Ann (Nashville, TN) is starting over and doesn't know where to go or what to do. 

- Renee (Tucson, AZ) asks if she should consolidate her massive student loan debts. 

- Susie (Chicago) wonders if she should pay off debt that is in collections. 

- Ron (Lexington, KY) is transitioning his 14-year-old son from Give, Save and Spend envelopes to a checking account. How should he do that?

- Pete and Rachel (Orlando) give their debt-free scream from the lobby. They paid off $338,850 in 35 months. 

- Heather (Nashville, TN) needs help getting out of a car lease. 

- Dave answers the Blinds.com question of the day. Jason asks what age is too old to go back to school and start over. 

- Nicole (San Francisco) asks if she needs an emergency fund for her business. 

- Kevin (Cincinnati) and his wife are trying to get their money situation in order after a cancer diagnosis. 

Hour 3: Aired on Thursday, September 15, 2016 

- Lauren (Kalamazoo, MI) asks how she should approach her divorce settlement.

- Judy (Wichita, KS) needs help advising her 19-year-old son about his IRA.

- Callie (Phoenix) wonders how she can get her husband excited about the Baby Steps.

- Dave answers a question from Twitter. Should Whitney create sinking funds in Baby Step 2 or throw everything at debt?

- Jonathan and Rachel (Tri-Cities, TN) give their debt-free scream from the lobby. They paid off $12,000 in less than five months.

- Dave talks about the Smart Money Smart Kids book and class.

- Tyler (Des Moines, IA) needs help marketing a smartphone app. What books should he read for ideas?

- Dave shares the Scripture and quote of the day.

- Steve (Washington, D.C.) asks if he should stop Baby Step 6 to convert a traditional IRA to a Roth.

- Charice (Colorado Springs) wonders if her 16-year-old daughter would benefit from Financial Peace University.

- Karen (Phoenix) needs a new air conditioner. How can she replace it without debt?