Hour 1: Aired on Wednesday, April 20, 2016

- Sara (Dallas) wants to know if she should cancel her life insurance because the premium is too expensive.

- Frank (Rochester, NY) wonders if he should help his adult children put money into a 529 for the grandkids.

- Amy (Columbia, SC) owes $19,000 to her parents and wants to speed up Baby Step 2.

- Valerie (New York) asks if she should transfer her nursing-home-bound parents' assets to her name to protect them.

- Andrew and Amanda (Tampa, FL) are debt-free after paying off $55,000 in 14 months!

- Peter (Los Angeles) has more than $600,000 in debt from bad real estate deals.

- Dave explains what a short sale is and how to avoid the pitfalls Peter encountered.

Hour 2: Aired on Wednesday, April 20, 2016

- Stephanie (Annapolis, MD) wonders if a 529 plan is the best option for her kids' college savings.

- Hannah (Decatur, IL) asks about taking a student loan settlement.

- Justin (Oklahoma City, OK) owes $58,000 in debt and wants to know if he should sell his house to pay it off.

- Steve (Spokane, WA) has a 17-year-old son caught up in online affiliate marketing scams.

- Dave talks about our free stuff: iHeartRadio channel, the podcast, the video channel, and EveryDollar.

- Dave reads Twitter questions and comments.

- Jeremy and Victoria (Albuquerque, NM) are debt-free after paying off $165,000 in two years!

- Dave talks about the Smart Money Smart Kids class.

- Dave reads the Blinds.com question of the day from Sherry, who wonders if she should go to Jamaica for her grandmother's birthday while on Baby Step 2.

- Millie (Boise, ID) and her husband have grown apart financially, and she wants to get back in sync.

Hour 3: Aired on Wednesday, April 20, 2016

- Tom (Champaign, IL) wonders if he should sell his van or save cash to afford another car.

- Patrick (San Francisco) asks about the next step to becoming financially independent.

- Rebecca (Tampa, FL) and her siblings are inheriting $100,000+ each, but she's worried about her homeless sister who makes bad money decisions.

- Dave reads a Twitter question from Josh, who asks what happens to the money in a 529 plan if you save more than your kid needs for college.

- Dave talks about the success of "Foundations in Personal Finance."

- Dave promotes our Teacher Appreciation Giveaway and $55,000 Financial Literacy Challenge.

- Dave reads the Scripture and quote of the day.

- Zee (Houston) wonders if he should sell his car to pay off his $5,000 medical bill.

- Barb (Saginaw, MI) asks if she should pay her daughter's student loans to relieve her of the stress while she's overcoming alcoholism.

Hour 2: Aired on Tuesday, April 19, 2016

- Dave talks about ways to find us.

- Steve (Raleigh, NC) says his ex-wife and mother are enabling his daughter.

- Jeremy (Tulsa, OK) wants to know how to start a business that competes with his current employer.

- John (Knoxville, TN) is looking for the best solution to save up and buy a house.

- Dave reads a Facebook question from Patricia, who wonders if Dave would recommend purchasing penny stocks.

- Eric and Michelle (Fredericksburg, VA) are excited to scream that they've paid off $250,000 in 39 months and are debt-free!

- Emily (Knoxville, TN) asks if she and her husband can start saving for a house while they're $89,000 in debt.

- Erin (Las Cruces, NM) is newly married and wants to get on the same page about their finances.

- Hope (Atlanta) is 54 years old and worried about retirement.

Hour 1: Aired on Tuesday, April 19, 2016

- Tracy (Boston) wants to know if she and her husband should help their young son buy an expensive item while it's on sale.

- Alex (Nashville) is upside down on his car and wonders how he can rid of it while keeping his finances in good shape.

- Liz (Houston) has bad memories of her current house but worries how selling it will affect her finances.

- Chris (Decatur, IL) says his wife doesn't understand the debt snowball or how to apply it.

- Angel (Portland, OR) wants to know how to balance saving for an emergency fund versus saving for her daughter's college.

- J.R. and Ann (Winston-Salem, NC) are debt-free after paying off $95,000 in 13 months!

- Lea (Virginia Beach, VA) asks about a 15-year adjustable-rate mortgage versus a 30-year fixed loan.

- Annette (Hamilton, OH) says her and her husband's life insurance options are limited because of his sleep apnea.

- Dave reads the Blinds.com question of the day from Beth, who wonders if she should use her own attorney or the one provided by her insurance company after a car accident.

- Herb (Indianapolis) is new to budgeting and has an unpredictable paycheck.

- Chris (Dallas) has a question about investigating tax return abuse involving his son.

- Dave reads a Twitter question from Jennifer, who asks if she should pay a nominal fee to have her mortgage company enroll her in a mortgage accelerator program.

Hour 3: Aired on Tuesday, April 19, 2016

- Raymond (Decatur, IL) is 19 years old and wants to buy a house in a few years.

- Todd (Houston) says the international fund inside his 401(k) is not doing well, but the 401(k) manager thinks it is.

- Dave reads a Facebook question from Linda, who asks the best way to set up a budget when you're already behind on your bills.

- Linda (Knoxville, TN) is getting a $100,000 settlement and owes $120,000 on her home.

- Brian (Topeka, KS) paid off his debts, but it still shows up as a zero balance on his credit report.

- Mark (Orlando) wants to know what he should do with the inheritance he's receiving.

- Doug and Katy (Atlanta) are debt-free after paying off $63,000 in 12 months!

- Bob (Colorado Springs, CO) asks about borrowing to buy a resort property.

- Dave reads the Scripture and quote of the day.

- Jay (Mobile, AL) asks if he should sell a rental property that he owns.

- Nick (Detroit) wonders which debt he should pay off first.

- Philip (Bristol, TN) wants to know how to prepare for a marriage.

Hour 1: Aired on Monday, April 18, 2016

- Dave recaps the Smart Conference in Orlando and talks about other upcoming live events.

- Mary (Washington, D.C.) says her fiancé has a lot of debt and bad spending habits.

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

- Tyler (Lexington, KY) wants to know if he should convert a sole proprietorship to an LLC.

- Shon (Chicago) wonders if she should buy or rent.

- J.V. and Ashley (Fresno, CA) are excited to shout that they are debt-free after paying off $106,500 in five and a half months!

- Dave comments on J.V. and Ashley's story and how their good choices can motivate others.

- Dave reads the Blinds.com question of the day from Amie, who asks about continuing to auto-fund a Roth IRA after moving to a different state.

- Eric (Peoria, IL) wants to know what he should do with his $120,000 in deferred compensation.

- Scott (Bend, OR) wonders if he and his wife should sell their house.

Hour 3: Aired on Monday, April 18, 2016

- Dave reads a Wall Street Journal blog that reports 57% of Americans say income taxes are too high.

- Dave rants about how 45% of people pay no income tax and everyone should have skin in the game.

- Kristen (Atlanta) wonders if she should buy a rental property and use that address to put her kids in better schools.

- Collette (Phoenix) wants to know if she should take a new job or stay at her current one.

- Brandon and Kenisha (Tupelo, MS) are debt-free after paying off $31,100 in 20 months!

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

- Maria (Fort Worth, TX) says she and her husband disagree on budgeting $150 a month to give to elderly family members.

- Dave reads the Scripture and quote of the day.

- Josh (Edmonton, Alberta, Canada) wonders how he can supplement his ministry income.

- Kevin (Sacramento, CA) asks what his retirement approach should be since he has rental properties but no liquid retirement savings.

- Dave reads a Twitter question from Stephen, who wants to know Dave's opinion on modular or prefabricated homes.

Hour 2: Aired on Monday, April 18, 2016

- Dave welcomes Rachel Cruze to the show to talk about the launch of her new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Adam (Stillwater, OK) asks if he should pause his debt snowball since he's coming out of a divorce.

- Clay (Laurel, MS) is mentoring his 16-year-old son on budgeting.

- Dave and Rachel go over some of the seven money habits.

- Amy (Dayton, OH) screams that she's debt-free after paying off $98,000 in 38 months!

- Dave talks about the $55,000 Financial Literacy Challenge for high school students and the Teacher Appreciation Giveaway, both sponsored by Zander Insurance. You can take the Challenge or enter the Giveaway at daveramsey.com.

- Zack (Seattle) has become a landlord by default and asks if he should keep or sell the property.

- Tobin (Tri-Cities, WA) says his wife doesn't want to cut the credit cards up.

Hour 2: Aired on Friday, April 15, 2016

- Dawn (Orlando) just lost her job and needs advice as she starts her own business.

- Jeremy (New York) has $190,000 in student loan debt and his wife doesn't want to stop retirement savings.

- Dave reads a Facebook question from someone who asks what length of term Dave recommends for life insurance.

- Manishka (Orlando) wonders how to launch a full-time business.

- Courtney (Mankato, MN) is debt-free after paying off $38,000 in two years!

- Brittany (Norman, OK) has a question about transferring balances.

- Thomas (Los Angeles) wonders the best way to sell an upside-down car and get on a debt payoff plan.

- Dustin (Raleigh, NC) wants to know if he should buy a house if the military won't move him for another three years.