Hour 3: Aired on Monday, May 16, 2016

- Dave talks about our YouTube channel.

- Helen (Houston) wants to know if she has too much money in the bank.

- Dave interviews Helen, who is a millionaire in her 70s and saved throughout her working life to become rich.

- Dave talks about EveryDollar.

- Eric (Rochester, NY) asks about paying new debts versus old debts in the debt snowball.

- John (Greenville, SC) wonders how Dave got a checking account for his kids.

- Eric (Lexington, KY) wants to know how to stay motivated after Baby Step 3.

- Dave reads the Scripture and quote of the day.

- Ethan (South Bend, IN) asks about the next logical financial step he can take after graduating college.

- Lou (Allentown, PA) has a question about setting up a lease with an option to purchase on her rental house.

- Neal (Baltimore) wonders if he should drain his savings to pay down debt.

Hour 1: Aired on Monday, May 16, 2016

- Courtney (Gainesville, FL) wants to know how to settle an old debt from two years ago on a repossessed car.

- Andre (Jacksonville, FL) says his insurance company wants to re-review a claim they already approved.

- Dave talks about Financial Peace University.

- Greg (Chattanooga, TN) wonders if he should take his retirement payout in a lump sum or a monthly payout.

- Paula (Austin, TX) asks how to sell her mother's townhome.

- Robbie (Sacramento, CA) wants to know if it's a good idea to buy a salvaged title car if she trusts it.

- Chris (San Antonio, TX) wonders if he should take out a construction loan to build a spec house for the development company he works for.

- Patrick (Denver) has a question about starting retirement.

- Dave reads the Blinds.com question of the day from Connie, who has a question about cosigning.

- Dave goes on a rant about cosigning.

- Michelle (Kansas City, KS) and her siblings inherited some land, a house, and a business after their parents passed away, and they want to split it correctly.

Hour 3: Aired on Friday, May 13, 2016

- Dave welcomes guest Chris Brown to talk about Chris's radio show and upcoming live events.

- Dylan (Fargo, ND) says his parents are trying to talk his sister into taking out student loans to pay for her college.

- Neil (Springfield, IL) wonders if he should sell his SUV.

- Dave and Chris go over the upcoming Live Event schedule.

- Dave reads the Blinds.com question of the day from Brenda, who asks about a general (or durable) power of attorney.

- Wendy (Pittsburgh) wants to know how to incorporate a pay schedule change into her budget.

- Quentin (Chicago) says his wife isn't sticking to their budget.

- Taylor (Charlotte, NC) wonders if he should get a bigger apartment.

- Dave reads the Scripture and quote of the day.

- Chandler (Logan, UT) wants to know what he should do with his summer earnings.

- Robert (Branson, MO) asks how to best use the proceeds from a business.

Hour 2: Aired on Friday, May 13, 2016

- Anna (Albany, NY) asks how to collect from a client who has not paid her.

- Dave expands on the last call and gives advice about learning lessons in business.

- Michael (Tucson, AZ) is a first-time landlord who wants to know the tax implications of expensing repairs.

- Matthew (San Diego) has a question about pausing retirement savings for school.

- Andrew and Katarina (Atlanta) are debt-free after paying off $18,400 in seven months!

- Dave talks about Rachel Cruze's upcoming book "Love Your Life Not Theirs: 7 Money Habits for Living the Life You Want."

- Dave reads a Facebook question from Tiffany, who asks Dave what he did to celebrate becoming debt-free.

- Jen (Alberta, Canada) wonders if she should get rid of whole life insurance now that she has contracted a disease.

- Sam (Fort Worth, TX) wants to know how to afford a divorce/custody attorney while on Baby Step 2.

- Dave reads a Twitter question from Becky, who asks if Dave literally means rice and beans when he says to "live on rice and beans."

Hour 1: Aired on Friday, May 13, 2016

- Dave hosts a special millionaire theme hour.

- Matt (South Bend, IN) is worth $1.6 million.

- Fran and Greg (Charlotte, NC) have a net worth of $1.3 million.

- Tim (Nashville) is worth $1 million.

- Dave recaps the calls we've had so far, and the types of people who are millionaires.

- Jay (Lincoln, NE) has a net worth of $3 million.

- Gena (New York) is worth $1.6 million.

- Linda (Eau Claire, WI) talks about her net worth of $3 million.

Hour 3: Aired on Thursday, May 12, 2016

- Trey (Manchester, NH) asks if he needs to get out of a variable annuity account.

- Dave talks about active and passive investing for a couple of minutes.

- Jessica (North Carolina) wants to know if her fiancé's credit will be hurt if he accepts a credit card settlement offer, and if there are any tax implications.

- Henry (Austin, TX) owns multiple properties and wonders if he should sell any of them.

- PJ and Dana (Bristol, VA) have paid off $83,609 in six years and four months and are now debt-free!

- Caleb (Ft. Walton Beach, FL) wonders if he should use his savings to pay off his car or continue saving for an engagement ring.

- Dave talks for a few minutes about Google's decision to no longer accept ads from payday lenders.

Hour 1: Aired on Thursday, May 12, 2016

- Angela (Spokane, WA) and her husband don't have much in their IRAs and she wonders if they should use their rental income for their retirement income.

- Brendan (Phoenix) wants to know how to budget on an irregular income.

- Dave reads emails and tweets from listeners. The first wants to know if there is ever a time when it's okay to have a car payment.

- Brian asks if he should buy life insurance on his wife, who is a stay-at-home mom, and the kids.

- Greg asks Dave what he thinks of smartphones.

- A listener wonders if you can use the emergency fund to cash-flow your monthly budget and replenish it as your paycheck comes in.

- Bob (Indianapolis) asks if he should renew his long-term care insurance or switch policies since his current premiums went up 21%.

- Dave talks for a few minutes about how you should work to be a millionaire like the previous caller, and how ChrisHogan360.com and the R:IQ tool can help.

- Benny (Danville, IL) wonders if he should file bankruptcy since he has $32,000 in debt with a $30,000-$40,000 income.

- Dave reads a Twitter question from Shelly, who wants to know if the Bible instructs companies to tithe.

Hour 2: Aired on Thursday, May 12, 2016

- Dave announces the winner of the $40,000 Financial Literacy Challenge Scholarship! It's Ellen McGregor, who is from Tupelo, MS and will attend the University of Georgia to major in fashion merchandising.

- Dave welcomes guest Chris Hogan, and they talk about Chris's upcoming live appearances and events.

- Dave and Chris talk about how pro football players can overspend and gives some startling statistics for these professional athletes.

- Cyan (Odessa, TX) wonders how to max out her retirement savings as part of Baby Step 7.

- Bruce (Columbus, OH) is 54 years old with $1 million in savings and has a question about money that his employer can transfer for him.

- Sue (Phoenix) gives Dave and Chris her numbers and asks if she's on the right track for a good retirement.

- Robbie and Lisa (Edmonton, Alberta, Canada) have paid off $300,000 in four and a half years and are now debt-free!

- Sarah (St. Paul, MN) has $24,000 in student loans and wants to know if she should participate in a certain type of debt forgiveness program.

Hour 1: Aired on Wednesday, May 11, 2016

- Jessica (New York) has $216,000 in student loan debt and is feeling anxious about the stability of her new job at a law firm.

- Amanda (Charlotte, NC) received an inheritance and wants to know how to allocate that money within her Baby Steps.

- Carolyn (Denton, TX) says a family member in another state is receiving phone calls from a debt collector about a "warrant" in Carolyn's name for a loan she didn't sign.

- Amber (Columbus, OH) is in a band and wonders if getting an advance on a record deal would be considered debt.

- Katie (Morgantown, WV) wants to know how to set up a will so the guardians of her children would have clear direction.

- Louise and Ron (Denver) are excited to shout that they are debt-free after paying off $170,000 in six years!

- John (Springfield, IL) asks about taking a loan for a property.

Hour 3: Aired on Wednesday, May 11, 2016

- Dave rants about discussing finances with your parents and the importance of wills.

- Josh (Wilmington, NC) asks if he should sell his rental or refinance it.

- Jared (Boise, ID) wants to know how to market his small electrical contracting business.

- Dave reads the Blinds.com question of the day from Ethan, who wonders when he should think about long-term care insurance.

- Sandy (St. Louis, MO) has a child with an illness that led to medical debt and bankruptcy, and Sandy has no idea how to start over.

- Paul (Grand Rapids, MI) wants to know how to teach his children about Dave's principles.

- Vaughn (Orlando) says his wife wants to buy a house and have a baby, but they are $20,000 in debt.

- Cory (Sarasota, FL) wants to teach his dad how to be financially responsible.