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While we are out for Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Rachel Cruze answer your questions and discuss:

I've been fired 14 times and no employer will look at me now.

Should I get someone to co-sign on my car?

How do you pay off your credit cards when the minimums are half my take-home pay?

My wife is a compulsive shopper

I bought an Airbnb cabin and now I am behind on my bills

What's the benefit of using an escrow account?

Convincing husband we don't need credit cards

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