Hour 2: Aired on Friday, April 8,2016

Tim (Chicago) Question about whether to refinance a home.

John (Washington, D.C.) Question about the correct way of attacking consumer debt.

Brandy (Oklahoma City) Should she take out a lease to expand a small business?

Janice (Houston) Asks about recommended legal documents for retirees.

Dave talks about having a legacy box for important legal documents and papers.

David (Dallas) Calls to do his debt-free scream after paying off $26,000 in 24 months.

Austin (California) Asks about whether a person needs credit to be financially successful.

Gina (Mobile, AL) A newlywed, asks what to do with a $40,000 windfall after selling a home.

Terry and Kara in the lobby of Financial Peace Plaza ask about whether to sell a rental property.

Hour 1: Aired on Friday, April 8, 2016

- Dave welcomes guest Christy Wright to the show, and they talk about the upcoming Business Boutique events.

- Whitney (Atlanta) wants to start a business, but she is worried about the start-up cost of marketing.

- Gabrielle (Philadelphia) asks if she and her husband should get a new-to-them car or make repairs on their current one.

- Mary (St. Louis) is cashing in a whole life policy but doesn't know what all of the "cash value" numbers mean.

- Joshua and Victoria (Orlando) are debt-free after paying off $48,000 in 22 months.

- Dave (Cincinnati) lost his company car benefit and needs a vehicle.

- John (Colorado Springs, CO) wants to know if he should use savings to pay debt while he's still taking out student loans.

- Tim (Akron, OH) asks about an HSA.

- Keela (San Antonio, TX) wonders if authoring a book is a good investment.

Hour 3: Aired on Thursday, April 7, 2016

- Wendy (Des Moines, IA) is trying to factor the risk of income reduction after a refinance to pay off her house early.

- Dave rants about how everyone should pay attention to their situation, as Wendy is.

- Sarah (Mobile, AL) says her son was rejected for a child rider by the life insurance company.

- Rod (Rochester, MN) has a $60,000 home equity loan and asks if he should convert that to a first mortgage.

- Bryan and Stefanie (Madison, WI) are debt-free after paying off $77,000 in 19 months!

- Sue (Portland, ME) is $30,000 upside down on her rental property, and now it needs repairs.

- Dave reads the Scripture and quote of the day.

- Sean (Phoenix) works for Uber and has a question about how to prepare his taxes.

- Dave explains the earned income tax credit.

Hour 2: Aired on Thursday, April 7, 2016

- Jacob (Dallas) says $3,500 disappeared from his account and he can't find it or get it back.

- Patty (Iowa City, IA) wonders if she should pay off her house, save for her daughters' weddings, or pay off a car.

- Jeff (Uniontown, KS) is a Foundations in Personal Finance teacher, and one of his students wants to know how to go to med school without debt.

- Dave talks about his $55,000 Financial Literacy Challenge contest. You can find details and enter at daveramsey.com/challenge.

- Cade and Carla Lee (Huntsville, AL) are excited to shout that they've paid off $84,000 in 26 months and are debt-free!

- John (Fairfax, VA) says his house won't sell because potential buyers say the backyard is too small.

- Rob (Louisville, KY) wants to be talked out of filing bankruptcy.

Hour 1: Aired on Thursday, April 7, 2016

- Dave reads a Twitter question from Andrew, who asks why Dave doesn't believe in penny stocks.

- Yvonne (Winston-Salem, NC) wonders what kind of hit her credit score will take if she closes her credit cards.

- James (Milwaukee, WI) wants to know if he should move to Missouri to take a different territory within his real-estate company.

- Dave reads a Facebook question from Mark, who asks if attending an out-of-state college is always a bad idea.

- Jaime and Adrienne (New York) are debt-free after paying off $74,000 in 11 months!

- Jay (Anchorage, AK) says his wife has cancer and needs insurance.

- Dave reads the Blinds.com question of the day from Rosalee, whose husband wants to cash out retirement savings to pay off debts.

- Brian (Chicago) wonders if he should move to a Roth IRA or wait.

- Josh (Los Angeles) asks about putting more money into his house or investing.

Hour 1: Aired on Wednesday, April 6, 2016

- Marie (Tulsa, OK) asks if she can live off of the $300,000 she has invested.

- John (Birmingham, AL) wonders how he can delicately leave his brother's business.

- George (New York) has a fiancée who wants a big wedding.

- Dave reads the Blinds.com question of the day from Crystal, who is worried that there won't be any money left over in her monthly zero-based budget.

- Dave goes on a rant about intentionality.

- Douglas and Mary Beth (Denver) are excited to shout that they are debt-free after paying off $128,000 in four years.

- Amaria (Santa Barbara, CA) asks if her husband's mandated retirement contributions should count toward their 15% retirement for Baby Step 4.

- Jason (Boise, ID) is upside down on his house and is relocating.

- Dave reads a Twitter question from Nicole, who wants to know if she should count the money in her health savings account toward the emergency fund.

Hour 3: Aired on Wednesday, April 6, 2016

- Gary (Wichita, KS) has a question about the thrift savings plan.

- Aaron (Pensacola, FL) will be in the Navy for eight more years and asks if he should alter his Baby Step process.

- Linda (Dallas) wonders if she should take out a new mortgage.

- Heidi (Greenville, SC) wants to know where to put money for six months.

- Brent (Lexington, KY) wonders about the best advice he can give to his parents who are going through Financial Peace University.

- Timothy and Emily (Nashville) are debt-free after paying off $30,000 in two years! Emily is a Ramsey Solutions team member.

- Colleen (Carson City, NV) and her husband differ on how to manage their money between saving for a house or college.

- Dave reads the Scripture and quote of the day.

- Deborah (Spokane, WA) asks about company stock options.

- Braden (San Antonio, TX) wants to know if he should start a business or buy a house first.

Hour 2: Aired on Tuesday, April 5, 2016

- Mike (Las Vegas) asks Dave his thoughts on using property management companies for rentals.

- Jason (Sioux Falls, SD) wants to know if he and his wife should sell their home and buy another.

- Jason (Telluride, CO) says his mother is terminally ill. He is working with his sister to make sure their mother's finances will be all right when she dies.

- Dave reads a Twitter question from someone who wants to know if investment properties can be part of the 15% they put into Baby Step 4.

- Jesse and Joey (Fayetteville, AR) are debt-free after paying off $43,000 in 26 months.

- Patrick (Portland, OR) doesn't know where to start with Dave's plan.

- Dave reads a Twitter question from Heather, who wants to know about consolidating her credit card debt into a HELOC.

- Dawn (Birmingham, AL) wants to start a small business and asks about opening a DBA account and doing a modified mortgage.

- Destiny (Atlanta) says her outgo is more than her income.

Hour 1: Aired on Tuesday, April 5, 2016

- Francisco (Albuquerque, NM) wonders if he should borrow from his 401(k).

- Dave reads a Twitter question from Teresa, who asks the best way to teach a child how to be a giver.

- Dave talks about the Teacher Appreciation Giveaway, sponsored by Zander Insurance, and how you can enter at daveramsey.com/teacher.

- Jonathan and Kimberly (Hartselle, AL) are debt-free after paying off $93,000 in seven years and two months!

- Kimmy (Augusta, GA) has $2,000 in company stock and questions if it's all right to cash it out to begin the Baby Steps.

- Joshua (Oklahoma City, OK) is living with his mom and driving her car and will need to pay expenses on that car when he moves.

- Amanda (Huntsville, AL) wants to know how to pay for $28,000 in foundation repairs while working the Baby Steps.

- John (Baton Rouge, LA) asks how to buy rentals without financing.

Hour 3: Aired on Tuesday, April 5, 2016

- Brittany (Minneapolis, MN) wants to know if she should be investing more than 15% to make up for the past few years.

- Jennifer (Palm Beach, FL) owes more on her condo than it's worth and asks how to get out of it.

- Dave reads the Blinds.com question of the day from Courtney, who questions if she should take online courses while on Baby Step 2 or put it off until she's finished paying off debt.

- Cynthia (New York) asks how to split up her savings.

- Patty (Denver) is scared of the stock market.

- Matthew and Amanda (Milwaukee, WI) are debt-free after getting rid of $165,000 in five years!

- Dave reads the Scripture and quote of the day.

- Serena (Effingham, IL) wonders if she and her husband should buy a mobile home.

- Dave reads more from Twitter.