Hour 1: Aired on Thursday, May 5, 2016

- Dave talks about the Smart Conference in Los Angeles coming up on Saturday.

- Dave announces the dates and cities (Atlanta and Houston) for the Smart Conference events in the fall.

- Jason (San Francisco) wants to know if his sister who is ill has bad insurance coverage.

- Barrett and Mo (San Antonio, TX) are debt-free after paying off $220,000 in six years and 10 months!

- Sissy (Chattanooga, TN) asks if she should sell her late husband's car.

- Dave reads a Twitter question from Ben, who wonders if he should use cash or his debit card for groceries.

- Bob (Springfield, IL) thinks bankruptcy is a viable tool and asks Dave if he recommends it.

- Sarah (Salt Lake City, UT) wants to know if she should focus on Baby Step 3 or start saving for retirement.

- Joe (San Antonio, TX) asks if he should consider annuities since he is retiring soon with a $750,000 nest egg.

- Lindley and Evangeline (Houston) have paid off $400,000 in debt in eight years, including their home, and are debt-free!

- Josh (Roanoke, VA) wants to know how to set up an estate plan to include a family trust for his children in case he and his wife die.

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

- Dave talks about the Smart Conference.

Hour 3: Aired on Thursday, May 5, 2016

- Elizabeth (Oklahoma City, OK) says her dad wants her to buy him a truck with her mom's life insurance money.

- Nicole (Portland, OR) tells Dave her husband and father own a business and mismanage the money.

- David (San Antonio, TX) asks when he should take money out of his annuities.

- David (Baton Rouge, LA) may have to do a short sale on his house because it's unsellable because of faulty drywall.

- Irving (Tucson) says his wife doesn't think he should get a second job.

- Dave reads the Scripture of the day.

- Roger (Los Angeles) owns 20 rentals and asks if he should sell off some of them to pay down his debt.

- Ashley (Albany, NY) asks about staying home with her kids.

Hour 2: Aired on Wednesday, May 4, 2016

- Dave welcomes guest Christy Wright to promote her Business Boutique event.

- Bethany (Aberdeen, SD) asks about balancing life and work.

- Cecilia (Los Angeles) wants to know if she should create a temporary website for her business.

- Teresa (San Francisco) wonders how much money she should set aside for taxes.

- Kaitlin (Cleveland) is debt-free after paying off $15,000 in 10 months and cash-flowing graduate school!

- Dave responds to YouTube commenters who corrected his math from an earlier call.

- Dave reads a Facebook question from Rachel, who asks how she should know when to refinance her home.

- Nicole (Cleveland) asks how to make the budget work when income fluctuates.

- Ria (Phoenix) wants to know if she should buy a second house.

- Dave promotes Rachel's new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

Hour 3: Aired on Wednesday, May 4, 2016

- Rob (Minneapolis, MN) asks how to support friends when one spouse is on board with a plan and the other isn't.

- Paul (Orlando) wonders if he should consolidate his $50,500 in student loans.

- Will (Chicago) wants to know if he should refinance to a conventional mortgage.

- Dave talks about the $20,000 Rainy Day Giveaway and the $10 Sale.

- Michael (Dallas) asks if he should buy a house or rehab his current one.

- Allegra (Kansas City, KS) wonders how much she needs in the emergency fund.

- Dave reads a Twitter question from Ryan, who has a question about determining how much house you can afford.

- Heidi (Denver) is debt-free after paying off $36,000 in 15 months!

- Bill (Akron, OH) asks Dave his thoughts on whole life insurance for a newborn.

- Dave reads a Facebook question from Nancy, who wants to override a rate increase on her long-term care insurance.

- Dave reads the Scripture and quote of the day.

- Jason (Athens, GA) says his life expectancy is about 10 years and wonders if he should save more than 15% as part of Baby Step 4.

- Dave reads the Blinds.com question of the day from Jesse, who asks how to fight the urge to spend too much money on himself.

- Kim (Tucson, AZ) asks about selling her house to pay debt.

Hour 1: Aired on Wednesday, May 4, 2016

- Jeff (Ann Arbor, MI) has $420,000 in student loans, but he wants to buy his dream house.

- Elijah (San Antonio, TX) wants to know what to do with $13,000 in an UTMA account in his name.

- Katie (Denver) asks how to get out of a car lease so she can buy a small, used car.

- Dave rants about old-fashioned values and how you can't tell the truth if you don’t know what the truth is.

- Sara (Houston) wonders how to get clients for her side business.

- Chilo (Los Angeles) went through bankruptcy two years ago and asks if he can get a manual underwriting loan.

- Dave reads a Facebook question from Justin, who says his $2,000 car needs $2,000 in repairs.

- Dave talks about how the show is now broadcast on YouTube.

- Tyler (Phoenix) is debt-free after paying off $30,800 in two years!

- Adam (San Antonio, TX) has no debt and asks what his next step is.

- Dave talks about the developments in the presidential race.

- Heather (Atlanta) is preparing for a possible divorce.

Hour 1: Aired on Tuesday, May 3, 2016

- Jennifer (Dallas) says her father-in-law is starting a

- John (Peoria, IL) is a Financial Peace University coordinator

- Jenna (Vancouver, WA) asks how to build a community of

- Brad and Katie (Colorado Springs, CO) are debt-free after

- Jaz (Columbus, OH) asks if she should have more money in her

- Dave talks about the launch of our YouTube live stream.

- Dave talks about the upcoming EntreLeadership Summit, Smart

- Todd (Denver) wants to know how a credit card settlement

Hour 2: Aired on Tuesday, May 3, 2016

- Quinn (Los Angeles) wants to know if he should sell his condo

- Karen (Lexington, KY) asks the best way to pay off her

- Dave reads a Facebook question from Mark, who wants to know

- Ray wonders why term life insurance is better than whole

- Brian (Cincinnati) asks how to value his pension.

- Michael (Los Angeles) has a question about switching the order

- Chasity (Asheville, NC) asks if she should stop saving for

- Patrick (Indianapolis) wants to know if he should build his

- Levi (Sioux Falls, SD) is graduating from high school in a few

Hour 2: Aired on Monday, May 2, 2016

- Susan (Lexington, KY) wonders if she should refinance herUDSAloan.

- Chris (Los Angeles) asks if his mother, who has $50,000indebt, should put her car in Chris's name to avoid losing it inabankruptcy.

- Julian (Amarillo, TX) has a question about buying a houseandsaving 20% for a down payment.

- John (Hershey, PA) asks if he should insure hiswife'sengagement ring.

- Josh (Atlanta) wonders if buying a house is a good ideawhilehe and his wife are planning to have a baby in a coupleofyears.

- Denise (Cincinnati) wants to know if a deed-in-lieu is agoodidea.

- Aaron and Katrina (Rochester, NY) are debt-free afterpayingoff $102,000 in 30 months!

- Andre (Albuquerque, NM) is looking for some direction inhiscareer.

- Dave reads a Facebook question from Caleb, who asks howDavefeels about universal life insurance that has a long-termhealthrider.

- Jessica wonders if service agreements when buying apre-ownedvehicle are worth buying.

- Lisa (Portland, OR) wants to know how to invest a lump sumofmoney since she's leery of the stock market.

Hour 3: Aired on Monday, May 2, 2016

- Dave talks about the $20,000 Rainy Day Giveaway and the$10sale at DaveRamsey.com.

- Patricia (Birmingham, AL) wonders how long it will takehertopay off her debt based on her debt-to-income ratio.

- Jonathan (Houston) asks if he should continue with schoolorfocus on his business.

- Dave talks about how the show is now streaming on YouTube.

- Logan and Rachel (Nashville) are debt-free after payingoff$176,000 in 19 months!

- Scott (Dayton, OH) asks if the drop in mortgage percentageisworth it to refinance.

- Dave welcomes guest Rachel Cruze, and they talk aboutpre-salesfor her book "Love Your Life Not Theirs: 7 Money Habitsfor Livingthe Life You Want," as well as debt amongmillennials.

- Amy (Ann Arbor, MI) asks how to start budgeting when youhavedebt.

- Dave reads the Scripture and quote of the day.

- Dave promotes the Smart Conference in Los Angeles andRachel'sSmart Money event in Tucson.

- Isis (Tampa) is getting pushback from family when theytalkabout working to become debt-free.

- Dave plugs Rachel's upcoming events and book.

Hour 1: Aired on Monday, May 2, 2016
- Annie (Minneapolis, MN) asks if she should sell her hobby farmtopay off debt.

- Dave talks about the radio show's new time slot in Kansas CityonKCMO.

- Crystal (Norman, OK) wants to know if refinancing her home isagood idea.

- Dave launches our YouTube live stream and talks aboutotherYouTube videos we post.

- Dave reads the Blinds.com question of the day from Melissa,whowonders how to balance saving for her wedding and paying offherdebts.

- Michael (Lexington, KY) asks if he still needs to contribute15%to retirement savings if his union is paying 22%intoretirement.

- Rochelle (Grand Rapids, MI) wonders what sort of mortgagesheshould get.

- Dwight and Maisha (Columbus, OH) are excited to shout thatthey'vepaid off $980,000 in three years and are nowdebt-free!

- Hannah (Birmingham, AL) has a father near death and asksforadvice on how to take care of her mom after he passes.

- Dave talks about Chris Hogan's new book, "Retire Inspired."

- Whitney (Lincoln, NE) asks if she should cash-flow graduateschoolbefore starting her debt snowball or do both at the sametime.

- Richard (Chattanooga, TN) is required to invest 13% at workandasks how much more he needs to add for Baby Step 4.

- Dave reads a Twitter question from Tom, who wonders if it'stoolate to start a college fund for his 13-year-old daughter.