Hour 3: Aired on Monday, March 21, 2016

- Albert (Denver) is a Financial Peace University coordinator who has a student considering debt consolidation.

- Dave talks about his most popular class, Financial Peace University.

- Josh (Midland, TX) wants to make sure that a career change with decreased income is beneficial for his family.

- Rachel (Bend, OR) is comparing life insurance policies and needs Dave's help to determine which is better.

- Dave talks about Zander Insurance.

- David and Regina (St. Louis, MO) are excited to scream that they've paid off $143,000 in 38 months and are now debt-free!

- Dave talks for a minute about how important it is to be intense when pursuing debt freedom.

- Dave reads the Scripture and quote of the day.

- Jason (Knoxville, TN) runs a small business through a government entity and wants to invest for retirement and college.

- Chris (Houston) asks Dave where getting life insurance fits into the Baby Step process.

Hour 1: Aired on Monday, March 21, 2016

- Dave talks about his upcoming EntreLeadership Summit event and reveals the identity of the event’s “mystery” guest.

- Alexis (Fort Lauderdale, FL) wonders if he should transfer retirement savings to a Roth IRA.

- Dave talks a little more about rolling over retirement savings into a Roth.

- Keith (Alberta, Canada) asks about saving for college and buying land.

- Rubin (Meridian, ID) asks if he should sign up for the special car insurance when he rents a vehicle.

- Timothy (Cincinnati) is self-employed and has a question about how much money he should hold out for quarterly taxes.

- Paul (Los Angeles) has a house with a $45,000 balance and wonders if he should pay it off.

- Dave reads the Blinds.com question of the day from Michael, who asks if his family member should take over the payment of Michael's car.

- Ted (Denver) is excited to scream that he's debt-free after paying off $115,700 in three years and seven months!

- Jennifer (Santa Cruz, CA) is newly married and wonders if she and her husband should refinance their home to a better rate.

- Ashley (Lancaster, PA) wants to know if she should pull money from her pension and put it toward debt.

- Dave runs through the roster of speakers for the EntreLeadship Summit event.

Hour 2: Aired on Friday, March 18, 2016

- Amanda (Tampa, FL) wonders if she and her husband should ship their car to Germany while they live there for three years.

- Adrian (Los Angeles) is upside down on a rental property.

- Dave reads a Twitter question from David, who wants to know how to tactfully say no to a persistent and pushy life insurance agent.

- Tony (Dallas) has a fiancé who has debt and they are getting married in five months.

- Joe (Colorado Springs, CO) has developed a product that he wants to get out into the public.

- Darren and Becky (Dallas) are excited to scream that they are debt-free after paying off $550,000 in eight years!

- Dave reads the Blinds.com question of the day from Briana, who wants to know what a reasonable "required salary" range is for her to take an out-of-state job.

- Dave reads a Twitter question from Brian, who wonders if Dave would still file bankruptcy if he knew then what he knows now.

- Bethany (Albany, NY) wants to know how to invest since her income is too high to qualify for a Roth IRA.

- Todd (Omaha, NE) wonders if he should buy a house if he only brings home $18,000 a year.

- Dave reads a Facebook question from Morgan, who asks if term life insurance is necessary for a child under 21 years of age.

Hour 3: Aired on Friday, March 18, 2016

- Ann (Cleveland, OH) wants to know if there's a reasonable timeline to give a startup business before you decide to either continue or shut it down.

- Dave talks about the upcoming EntreLeadership Summit business event in Dallas.

- Philip (Houston) asks how to best use a $50,000 inheritance.

- Dave talks about the R:IQ tool at Chris Hogan360.com and the importance of knowing your number.

- Bryan and Emily (Des Moines, Iowa) are excited to shout that they are debt-free after paying off $55,000 in one year!

- Dave reads the Scripture and quote of the day.

- David (Phoenix) wonders if he should pay off the house before his baby arrives.

- John (San Antonio, TX) has a question about saving for an 11-year-old daughter.

Hour 3: Aired on Thursday, March 17, 2016

- Faith (Atlanta) is upside down on her car and wonders where to go from here.

- Dave runs down the list of Chris Hogan's upcoming Retire Inspired events.

- Erica (New Orleans) wonders if it's legal for student loan collectors to call the relatives who co-signed with her.

- Dave reads a Twitter question from Dee, who asks if a living trust or a valid will has more benefits.

- Mike (Minneapolis, MN) says his wife doesn't want to stop retirement savings to pay debt.

- Brian and Melissa (San Jose, CA) are debt-free after paying off $125,000 in four years!

- Dave reads the Blinds.com question of the day from Julian, who asks about getting a credit card so he can build his credit score to get a lower mortgage rate.

- Dave reads the Scripture and quote of the day.

- Matt (Dallas) has a question about buying a rental property for his family to live in.

- Jack (Naples, FL) wants to know how to handle a wrongful death settlement.

Hour 2: Aired on Tuesday, March 15, 2016

- Kevin (San Francisco) wonders if he needs a bigger emergency fund.

- Frank (Wichita, KS) asks if he should include his car in his bankruptcy.

- Dave talks about his Twitter and YouTube accounts.

- Mark (Chicago) wants to know if he should refinance his mortgage.

- Dwayne (San Antonio, TX) asks if he should keep his savings or pay down debt.

- Dave reads a Twitter question from Dan, who wonders if health insurance should be a necessity.

- Glen (Sydney, Australia) asks when is a good time to hire more people.

- Gary (Phoenix) says his renter wants to buy the home.

- Dave talks about our Christian radio show, Chris Brown's True Stewardship.

- Diana (Chicago) is a single mom and wants to know where to start with her debt.

- Matt (San Antonio, TX) and his wife are disagreeing about Baby Step 3.

Hour 2: Aired on Monday, March 14, 2016

- Steven (Fort Smith, AR) just opened his Roth IRA but needs help diversifying the mutual funds in it.

- Carmen (Bend, OR) asks how much she should pay her kids for allowance/commission.

- Dave talks about how today is the last day for the audiobook and e-book sale on DaveRamsey.com.

- Deena (St. Louis, MO) wonders what to do after her car leases end.

- Clifton and Twilla (Hobbs, NM) are excited to scream that they're debt-free after paying off $41,000 in 32 months!

- Dave encourages listeners to creatively destroy their credit cards and send in the footage.

- Lynea (San Antonio, TX) wants to know if she and her husband should sell their lake house property.