Hour 1: Aired on Wednesday, July 13, 2016

- Ken Coleman, Chris Hogan and Chris Brown guest host for the hour.

- The hosts talk about our YouTube Channel and the YouTube chat room.

- Danna (Seattle) has a question about where to start with her student loans.

- Ken talks about the success of Chris Brown's True Stewardship.

- The hosts discuss the newest Ramsey Solutions research study about retirement education.

- Jason (Austin, TX) asks what happens after he exceeds the retirement contribution limit.

- Our hosts answer a YouTube question from Megan, who wants to know how to convince herself to tithe during Baby Step 2.

- Scott (Springfield, MA) needs to choose between a Roth IRA and a 401(k).

- Jen (Tulsa, OK) says her financial decisions are affecting her relationship with her in-laws.

- Jessica (Eugene, OR) says her parents took out a PLUS loan for $44,000.

- Luke (Buffalo) wants to know how to save enough cash to buy a house after he gets married.

- Libby (Las Vegas) wonders how to teach her teenage son to budget.

Hour 3: Aired on Wednesday, July 13, 2016

- Justin (Jefferson City, MO) has $120,000 in debt and asks how to get started on taking control of his money.

- Brad (Effingham, IL) wants to refinance the house.

- Julie (Raleigh, NC) says her husband bought a rental after college and she needs help fixing the situation.

- Robert (Omaha, NE) owes $26,000 on a car that is worth $16,000.

- Dave reads a Twitter question from Johnny, who wonders what happens to the money in an ESA if the teenager opts not to go to college.

- Thomas and Jennifer (Myrtle Beach, SC) have paid off $237,000 in five years and are now debt-free!

- Allison (Indianapolis) wants to know how much life insurance she needs.

- Dave reads the Scripture and quote of the day.

- Austin (San Luis Obispo, CA) wants to start investing.

- Jeremy (Tulsa, OK) has almost $300,000 in student loans and asks if it would be a bad idea to buy rental property.

Hour 3: Aired on Tuesday, July 12, 2016

- Fran (Las Vegas) is recently widowed and has questions about how to use her late husband's IRA money.

- Maureen (Orlando) asks if she should use her 401(k) to pay off her house.

- Dave reads the Blinds.com question of the day from George, who received a summons from a collector and doesn't know how to proceed.

- Jacob (Kansas City, MO) asks if it's a good idea for his mother to do a deed on death to transfer her house to Jacob and his siblings.

- Isonel (New York) wants to know what his retirement game plan should be.

- Dave talks about our EntreLeadership Summit event.

- Dave welcomes special guest Lou Holtz to talk about leadership topics as well as his appearance at EntreLeadership Summit.

- Dave reads the Scripture and quote of the day.

- Dave recaps the interview with Lou Holtz.

- Naomi (Walla Walla, WA) was overcharged by an HVAC company and asks how to challenge the bill.

- Dan (St. Petersburg, FL) wants to know if his wife should travel for work.

Hour 2: Aired on Tuesday, July 12, 2016

- Bill (Kansas City, MO) wants to know the first step he should take.

- Dave mentions some of Ramsey Solutions' upcoming live events.

- Gregg and Kim (Dallas) are debt-free after paying off $160,567 in eight and a half years.

- Dave talks about the upcoming Smart Conference dates.

- Carrie (Lubbock, TX) has a question about putting her student loan into her debt snowball.

- Jennifer (Worcester, MA) is excited about Dave's plan and wants to know how to get her husband equally excited.

- Wayne (New Haven, CT) asks if he should fix up his house.

- Andre and Gilda (Dallas) paid off an amazing amount of debt, $405,000 in 54 months, and are now debt-free!

- Colleen (Medford, OR) wonders if she should refinance because a lot of her monthly income goes to the mortgage payment.

Hour 2: Aired on Monday, July 11, 2016

- Daniella (Dallas) wonders if she should move to California.

- Nate (Minneapolis-St. Paul, MN) wants to know if he should move out of his house.

- Dave reads the Blinds.com question of the day from Martha, who asks if she should pull money from her husband's 457 to pay off debt.

- James (Atlanta) needs to know if he should save for a refinance or invest.

- Jasmine (Chino, CA) wonders if she should use her 401(k) to pay off debt.

- Patsy (Jackson, TN) asks how to talk to her granddaughter.

- Steven and Nikki (Meridian, ID) are debt-free after paying off $52,000 in three years and two months!

- Bridget (Kansas City, MO) has a question about getting her husband to agree on money goals.

- Dave reads a Twitter question from Britt, who wonders how Dave feels about taking tax deductions on charitable contributions.

- Tim (Dallas) asks how to research a real estate company.

- Travis (Houston) wants to know if he should pay down his debt or buy a house.

Hour 3: Aired on Monday, July 11, 2016

- Spencer and Jessica (Phoenix) paid off $30,000 in 14 months and are now debt-free!

- Justin (Phoenix) wonders if he should sell his house to fund Baby Step 3.

- Dave welcomes guest Christy Wright to the show.

- Dave and Christy talk about the Business Boutique event and the "Why" behind business. 

- Cassandra (Boise, ID) wants to know how to budget for an Etsy business.

- Dave and Christy talk more about Business Boutique as well as the Business Boutique Academy.

- Dave reads the Scripture and quote of the day.

- Dave goes down the list of Ramsey Solutions live events scheduled for the fall.

- Joyce (Chicago) wants to know how to fix business equipment if you don't have the money.

- Dave reads a Twitter question where the person asks about term life insurance.

Hour 1: Aired on Monday, July 11, 2016

- Dave reveals that EveryDollar is now available on Android!

- Heather (Salt Lake City, UT) promised some money to her brother but is now reconsidering.

- Jason (Independence, KS) asks if small businesses should accept credit cards for payment.

- Jessica (Amarillo, TX) wants to know how to pay off her house faster.

- Paul (Champaign, IL) has a question about rolling his credit card debt into a student loan.

- Joe and Jessica (St. Joseph, MI) are debt-free after paying off an incredible $260,000 in 12 years!

- Dave previews Rachel Cruze's new book "Love Your Life, Not Theirs" and encourages listeners to preorder their copies.

- Michael (Tulsa, OK) wonders what to do with two houses he owns.

- Jeanne (Omaha, NE) has a question about using her IRA to pay off her home.

Hour 2: Aired on Friday, July 8, 2016

- Christy (Toledo, OH) asks how to pay for an upcoming surgery while working through Baby Step 2.

- Tyler (Oklahoma City, OK) wonders if he should refinance his house again to get a lower payment.

- Dave reads a Facebook question from Catherine, who wants to know what to do when your house is literally falling apart and you owe more than it's worth.

- Barb (Cincinnati) has a question about using savings to pay down debt on her condo.

- Doug (Bend, OR) can't get any traction because his wages are being garnished.

- RaShaun and Jessica (Lexington, KY) are debt-free after paying off $70,000 in four years and nine months!

- Rick (Omaha, NE) asks if he should have paid cash for a car or taken advantage of a good financing deal.

- Josh (Clemson, SC) needs to know if he should buy term life insurance.

- Natalie (Cincinnati) wants to resolve a Parent Plus loan situation with her father.

- Michelle Lynn (Toronto, Ontario, Canada) wonders if she should get a temp job until her work visa situation is resolved.

Hour 1: Aired on Friday, July 8, 2016

- Ryan (Des Moines, IA) asks if he should use gift money from his in-laws to pay for the house or his kids' college.

- Mason (Orlando) wants to propose to his girlfriend and is trying to get her parents to not disagree with Dave's money plan.

- Dave reads the Blinds.com question of the day from Evelyn, who wonders where she should place bills that are in collections in the debt snowball.

- Dave encourages listeners to attend Financial Peace University.

- Travis (Louisville, KY) needs to know if he should go into debt to buy a business.

- Bill (Detroit) is excited to scream that he's debt-free after paying off $75,000 in 44 months!

- Dave reminds listeners that they must schedule their debt-free scream with our staff in order to make it happen.

- Linda (New York) is feeling overwhelmed about all the things she must pay off.

- Philip (Kansas City, MO) asks how to get his fiancé on board.

Hour 3: Aired on Friday, July 8, 2016

- Patrick (Birmingham, AL) wants to know how to save money for his kids' college fund.

- J.J. (Houston) asks how to balance forced retirement savings with putting money away for his daughter's college tuition.

- Joey (Las Vegas) wonders if he should get solar panels for his house to save money on electricity.

- Mike (Houston) has $1 million in retirement and wants to know what to do with that money.

- Gary and Michelle (Omaha, NE) are debt-free after paying off $58,000 in three and a half years!

- Dave reads the Scripture and quote of the day.

- Charles (Lexington, KY) has a question about using investments and an inheritance to pay down student loans.

- Josh (Miami, FL) needs to know if he should sell his car to pay off credit card debt.

- Austin (Tucson, AZ) asks if he should pay cash for a house or take out a mortgage.