Hour 1: Aired on Friday, April 22, 2016

- Dave welcomes Chris Brown to the show to recap the Washington, D.C. events.

- Steve (Raleigh, NC) wants to help his relative manage a $100,000 inheritance.

- Anna (Grand Rapids, MI) wonders if she should invest in her company's 401(k).

- Blake (Salt Lake City, UT) wants to fund Baby Step 3 with some extra money, but his wife wants to take a family vacation.

- William (Spartanburg, SC) asks what Dave thinks about usury being biblically prohibited.

- Ross (Modesto, CA) celebrates paying off $308,000 in 38 months and being debt-free.

- Dave talks about how to contact Chris Brown on his radio show.

- Dave talks about Business Boutique.

- Celestia (Tucson, AZ) wants to know how to earn money at home to supplement her progress on Baby Step 2.

- Pete (Springfield, MA) wonders the best way to buy land from a relative when he doesn't have the cash to do so.

Hour 3: Aired on Friday, April 22, 2016

- Matt (New York) asks if he should pay off student loans or save money.

- Andy (Virginia Beach, VA) wonders if he should refinance his house.

- Dave reads the Blinds.com question of the day from Brian, who wants to know if he should cash in $19,000 in mutual funds to get his debt snowball rolling.

- Anthony (New York) is ready to move out of his parents' house since he has a full-time job.

- Lindsay (Wilmington, NC) wants to know how much to spend on a car.

- Dave reads a Facebook question from John, who asks if a person can move money from their IRA to their spouse's IRA.

- Dave reads a Twitter question from Danielle, who wonders if she should cash out her daughter's $50 savings bond and put it in an ESA or a 529 plan.

- Gayle (Phoenix) wants to know how to pay extra on student loans without the payment going toward interest.

- Ron (La Crosse, WI) asks about the best way to pay off a student loan.

- Zach (Peoria, IL) asks if he is building a house that's too big.

- Jordan (Denver) is relocating while in Baby Step 2 and has a question about buying a home.

- Dave reads the Scripture and quote of the day.

- Tony (Modesto, CA) wonders if he should rent out his home and live in his RV.

- Ashley (Silver Spring, MD) asks if her husband should go to graduate school and how they can make it work financially.

Hour 1: Aired on Thursday, April 21, 2016

- Shelley (Dallas) asks about investing in a real estate investment trust.

- Ashley (Oklahoma City, OK) is putting so much into her 401(k) that her other savings plans are falling behind.

- Joseph (Atlanta) wonders if he should buy a home or keep renting.

- Ryan (Mansfield, OH) wants to know if he should keep money in a health savings account and pay medical bills elsewhere because of the tax advantage.

- Dave reads a Facebook question from Greg, who asks what taxes he will incur from selling an inherited property.

- Will and Megan (St. Louis, MO) are debt-free after paying off $58,000 in 24 months!

- Jackie (Bowling Green, KY) wonders if she should rearrange the Baby Steps to achieve her goals.

- Jimmy (Lexington, KY) asks if there is a statute of limitations on his 10-year-old medical debt that's in collections.

- Dave reads the Blinds.com question of the day from Lisa, who asks about an insurance settlement from when her son was attacked by a dog.

- Christine (Denver) wonders how much life insurance she needs as a single woman who hopes to get married and have kids.

- Scott (Evansville, IN) asks if he should roll his wife's old 401(k) to a traditional IRA or a Roth IRA.

- Dave reads a Facebook question from Nicole, who wants to know the best place to keep an emergency fund.

Hour 2: Aired on Thursday, April 21, 2016

- Kyle (Indianapolis) wonders if he should put the debt snowball on hold to go through a real estate certification course and start a business.

- Dave reads a Twitter question from Derek, who asks how often a person should ask for a raise.

- Pat (Sioux Falls, SD) is worried the stock market will go down.

- Jackie (Atlanta) asks if she should take a $45,000 lump sum pension from her old company.

- Caleb and Kristy (Austin, TX) are debt-free after paying off $140,000 in three years!

- Carli (Meridian, ID) wants to know how to talk to her 95-year-old grandmother about her will since they live 1,000 miles apart.

- Bryan (Washington, D.C.) wants to know if he should sell his house to pay off debt.

- Shane (Lubbock, TX) wonders if it's morally acceptable to sue a database contractor who misled Shane's church.

- Molly (Clarksville, TN) has a question about getting out of a car lease.

Hour 3: Aired on Thursday, April 21, 2016

- Stephanie (Houston) says her husband wants to buy a house closer to where he works, but she doesn't want to get a mortgage.

- Robin (Saskatchewan, Canada) is concerned about going into debt if her husband accepts an opportunity to buy the family farm.

- Tanya (Los Angeles) wonders which investment options she should take to maximize tax deductions.

- Gina (Philadelphia) doesn't understand budgeting and the envelope system. She also asks about cashing out a whole life insurance policy to get the debt snowball rolling.

- Sherwood Oaks Christian Church (Bloomington, IN) is a debt-free church whose members have paid off $4.3 million in 30 months!

- Dave reads the Scripture and quote of the day.

- Josh (Canada) says he is going to the mission field in Africa for two years and wonders what to do with the money he has saved.

- Spencer (West Palm Beach, FL) asks if he should incorporate his side business.

- Mary (Baton Rouge, LA) says her mortgage company applied extra payments incorrectly.

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.