Hour 2: Aired on Tuesday, February 21, 2017

- Meghan (Los Angeles, CA) wants to know about moving her business into an LLC.

- Dave talks about Christy Wright’s new book, "Business Boutique."

- Alex (St. Louis, MO) asks about the best health insurance options for veterans.

- Angela (Fredericksburg, VA) wonders about selling her house.

- Kyle (Philadelphia, PA) asks about Thrift Savings Plan options and the buyback program.

- John (Little Rock, AR) questions whether he should pay off the house or invest more.

- Alex on Twitter wonders what Dave's recommends doing to make more money while getting out of debt.

- Eric and Christine join Dave in the lobby to do their debt-free scream after paying off $21,000 in 17 months.

- Dave talks about The Dave Ramsey Show YouTube Channel.

- Dave answers the Blinds.com question of the day from Jessie, who asks about setting money aside before her husband joins the military.

- Vanessa (Boston, MA) asks about investing in her business.

- Frederick (Phoenix, AZ) wants to know about ETF accounts.

Hour 1: Aired on Tuesday, February 21, 2017

- Stephanie (San Antonio, TX) wants to help her imprisoned brother without enabling him.

- Dave talks about Financial Peace University.

- Maria (Birmingham, AL) wonders about credit repair companies.

- Roxanne (San Antonio, TX) asks if she should stop investing in her retirement.

- Gabrielle and Thomas join Dave in the lobby to do their debt-free scream. They paid off $334,000 in six and a half years.

- Quaynce (St. Louis, MO) asks the best way to use a tax refund.

- Seneca (Sacramento, CA) wonders if it's a good idea to attend Financial Coach Master Training right now.

- Philip (Las Vegas, NV) is behind on rent and asks if he should accept the money his parents are offering him.

- Rachel on Facebook wonders what to do about her student loans.

Hour 3: Aired on Monday, February 20, 2017

- Will (Orlando, FL) asks if he should sell one of his rental properties.

- Dave promotes the upcoming Smart Conference events in San Antonio and Phoenix. 

- Jennifer (San Diego, CA) has a sick child. They may run out of money before they can pay their bills. How should they prioritize?

- Dave talks about Christy Wright's new book, Business Boutique. 

- Tony (Anaheim, CA) has debt in a business partnership. He took out the loan. 

- Jared (Nashville, TN) wonders how to allocate funds in his Thrift Savings Plan. 

- Brian (Tucson, AZ) asks about interest-only lines of credit. 

- Dave shares the Scripture and quote of the day. 

- Dave encourages millionaires to take part in an upcoming Millionaire There Hour. 

- Sarah (Seattle, WA) is a single woman with no kids. Does she need life insurance? 

- Genia (Fort Smith, AR) asks if she should remodel her home for wheelchair access for her mom. 

Hour 2: Aired on Monday, February 20, 2017

- Justin (Sacramento, CA) says his father passed away and now his mom has a big tax bill. How can he help her?

- Dave answers Jessica's question from Facebook. How does Dave feel about warehouse clubs. 

- Amber (Midland-Odessa, TX) has an investment property that isn't making any money. 

- Daniel (Omaha, NE) asks if he should move back to Los Angeles to successfully start his career and get out of debt. 

- Casey (Tampa, FL) asks how much to tithe in Baby Step 2. 

- Shareef (Chicago, IL) has been married for 19 years. They've never combined their finances. How can they do this going forward?

- Michael (Miami, FL) is considering joining his brother-in-law's business. 

Hour 1: Aired on Monday, February 20, 2017

- Dave talks about last week's episodes. 

- Elizabeth (Houston, TX) asks how to wisely get a new vehicle. 

- Dave mentions accessing The Dave Ramsey Show on Alexa-enabled devices. 

- Dave answers the Blinds.com question of the day. William is 63 and has a net worth of $3 million. His wife wants long-term care insurance, but it's expensive. Do they need it?

- Kristen (Atlanta, GA) asks how to get a deal on rental property.

- Brian and Stephanie (Indianapolis) do their debt-free scream from the lobby. They paid off $158,542 in seven years and seven months. 

- Deanne (Edmonton, Alberta) needs help figuring out the best way to pay off her mortgage. 

- William (Fayetteville, NC) has amassed Series EE bonds over the years.

- Deanna (Phoenix, AZ) has a self-employed side job. How can she handle paying taxes on that?

- Kristen (Little Rock, AR) is worried about her parents' financial situation. They're offering to pay her student loans.

- Dave encourages millionaires to take part in an upcoming Millionaire Theme Hour.  

Hour 3: Aired on Friday, February 17, 2017

- Eddie (Amarillo, TX) needs help for his grown daughter. She lost her job but still wants to pay off debt. 

- Jackie (Los Angeles) has an elderly mom who unknowingly cosigned for a car loan. 

- Gene (Orlando, FL) wants to go back to school. 

- Dave answers Amy's question from Facebook. They're on Baby Step 2. Should they be investing in a matching 401(k)?

- Dave warns against student loans. 

- Aaron and Rachel do their debt-free scream after paying off $14,900 in 25 months. 

- Dave answers the Blinds.com question of the day. Caroline wants her name on the house before she and her fiancé marry. 

- Justin (Provo, UT) wants to take a second job to pay off debt faster, but his wife wants him home more with the new baby. 

- Dave shares the Scripture and quote of the day. 

- Randy (Topeka, KS) is on the fence about refinancing his house. 

- Colton (Amarillo, TX) asks if he should go to a two-year or a four-year college. 

Hour 2: Aired on Friday, February 17, 2017

- Scott (Columbia, SC) isn't sure whether he should start a video production business or buy a new home. 

- Dave answers a Twitter question from Lucas. When adding to term life insurance, should you cancel the old policy or add another one?

- Dave answers Brandi's question from Facebook. She's a month ahead on a bill. Should she stay ahead or put that money toward debt?

- Joseph (Florence, AL) needs to talk to his cousin about money. 

- Terry (Lexington, KY) is an FPU coordinator. He needs help with a tough question from one of the attendees. 

- Doug and Ashley (Tulsa, OK) do their debt-free scream from the lobby. They paid off $103,000 in five years. 

- Dave answers a Twitter question. Does a will override life insurance beneficiaries?

- John (Las Vegas) asks why a Roth IRA is better than a traditional IRA or 401(k)?

- Oliver (Fresno, CA) is upside-down on a car lease. The dealer won't let him out early. 

Hour 1: Aired on Friday, February 17, 2017

- Garrett (Little Rock, AR) has a 3.3 GPA. Should he take out a student loan that converts to a scholarship? 

- Travis (Kansas City, KS) is getting married in July. How much should they save for their wedding and starter emergency fund?

- Jared (Austin, TX) is being sued by a credit card company. What should he do? 

- Anne (San Antonio, TX) is in a disagreement with her siblings over the family trust.

- Nathan and Ashley (Dallas, TX) give their debt-free scream. They paid off $45,000 in nine months. 

- Dave answered Dave's question from Facebook. (No, not his own!) What does Dave think about using a debit card with Apple Pay or Samsung Pay?

- Lex (Portland, OR) asks why the mortgage isn't in Baby Step 2.

- Amy (Tucson, AZ) needs to fund college for their teens. Should they rearrange the Baby Steps?

- Lacey (Phoenix, AZ) is in a disagreement with her husband on how to use a $76,000 accident settlement. 

Hour 3: Aired on Thursday, February 16, 2017

- Brandi (Middletown, OH) wonders how much house they can afford.

- Dave answers Hannah's question from Facebook. Is it ok to start term life insurance low and increase it when they have kids?

- Dave answers the Blinds.com question of the day. Mary Beth almost owes more on her car than it's worth. Should they get it down to the break even point and sell?

- Ashanti (Philadelphia, PA) owes friends money. Should she move a high-interest credit card above them in her debt snowball?

- Jason (Baton Rouge, LA) is $26,000 in debt and expecting a baby. Should they stop paying down debt and save up for the birth? 

- Phil and Andrea (North Canton, OH) do their debt-free scream. They paid off $85,000 in 18 months. 

- Dave shares the Scripture and quote of the day. 

- Kathy (Louisville, KY) is struggling with a mom who has dementia. Her sister has power of attorney, but isn't communicating with her or her siblings. 

- Dave rants on why it's important to do a will and keep open communication with the heirs. 

Hour 2: Aired on Thursday, February 16, 2017

- Rosie (Salem, OR) disagrees with her husband on whether to continue his side business. 

- Tammy (Atlanta, GA) filed bankruptcy. A bank has since foreclosed on their business property. Will they still owe taxes?

- Mary (Cincinnati, OH) asks why Dave encourages people not to take part in employee stock purchase programs. 

- Dave answers Emily's question from Twitter. When is it time to ask for a raise? 

- Robert and Julie (Milwaukee, WI) do their debt-free scream from the lobby. They paid off $63,500 in 13 months. 

- Dave answers a Facebook question from Chris. How can a family with below-average income get out of debt?

- Brian (Boise, ID) asks if he should do a credit card balance transfer to take advantage of a lower interest rate. 

- Raymond (Greenville, SC) is thinking of taking a pay cut so he can work closer to his wife and kids.  

- Ruben (Boise, ID) asks if he's a millionaire. 

Hour 1: Aired on Thursday, February 16, 2017

- Jeff (Sacramento, CA) wants to move into a lesser house but his wife is uneasy about it. 

- Dave answers a Twitter question from James. He wants to read books by Zig Ziglar. Where should he start?

- Ricardo (Bozeman, MT) is worried about private mortgage insurance (PMI) and isn't sure whether they should buy a home or not. 

- Neil (Tucson, AZ) needs help guiding his high school son toward college. 

- Cody and Jami (Bethlehem, PA) do their debt-free scream. They paid off $100,000 in one year. 

- Dave answers Will's question from Twitter. How do you know if your neighborhood is on the way up or down. 

- Nancy (Orlando, FL) can't afford to spend 25% of take-home pay on housing. 

- Chris (Orlando, FL) received a collection settlement letter, but it's not signed. Is it valid?

- Dave answers Jonny's question from Facebook. Is it wise to use Roth IRA money to pay cash for a home?

- Dave explains why it isn't wise to try to take shortcuts to reach your goals.  

Hour 3: Aired on Wednesday, February 15, 2017

- Ken Coleman, Anthony ONeal and Rachel Cruze announce Anthony's $1,000 Prom Giveaway. They discuss their high school proms.

- Laura (Springfield, MO) can enroll in a student loan reimbursement program that will pay back 85%. Should she do it?

- Jackie (Oklahoma City) is considering refinancing a personal loan. 

- Ken, Anthony and Rachel answer Jen's question from Twitter. She always overspends on clothing. How can she dial it back?

- Ken, Anthony and Rachel read a Facebook message from someone who had to evacuate the California dam emergency and isn't worried about money.

- Abigail (San Luis Obispo, CA) doesn't want to take out student loans. Her mom does. What should she do?

- Ken, Anthony and Rachel answer Darby's question from Facebook. She's a senior and worried her parents won't have enough to send her to college. 

- Kate (St. Cloud, MN) wants to get a teen on board with the plan. 

- Yesenia (Los Angeles) just started the Baby Steps in January. Should they use their tax refund on an A/C repair or to pay down debt?

Hour 2: Aired on Wednesday, February 15, 2017

- John (Austin, TX) wants to pay off student loans though it's not next in the debt snowball. 

- Larry (Tampa, FL) received a 1099-C about his written-off debt. Does he still owe it?

- Joe (Buffalo, NY) needs to know which debt to pay off first. 

- Amy (Chicago, IL) is tired of dumping money into old cars. 

- Tania (Hartford, CT) is teaching her kids with Financial Peace Jr., but she's still having trouble motivating her kids to handle money well.

- Jason and Brittany (Charlotte, NC) do their debt-free scream. They paid off $710,000 in 4.5 years. 

- Dave answers the Blinds.com question of the day. Christina is worried that her credit score will drop but not reach zero before they buy a house. 

- Taylor (Tri-Cities, WA) asks how to pay old phone company debt. 

- Dave encourages listeners to lead a Financial Peace University class. 

- Tracy (McAllen, TX) can't seem to get traction with money.

Hour 1: Aired on Wednesday, February 15, 2017

- Larry (Houston, TX) wants to buy his dad's house. What's the best way to go about that?

- Adam (Phoenix, AZ) is trying to get out of his apartment and into a house. How can he build his credit score?

- Scott (Austin, TX) asks if he should pay off his house before investing. 

- Erin (Colorado Springs, CO) will make $20,000 on the sale of their house. What should they do with that money?

- Matt and Rachel (Dayton, OH) do their debt-free scream from the lobby. They paid off $75,000 in five years. 

- Shelly (Ogden, UT) is living on a limited income and is her elderly mom's caregiver. How can she make this work?

- Katrina (Huntsville, AL) asks if they should pay off their house. 

- Karlie (Sioux City, IA) is in a disagreement with her husband. His cancer diagnosis changed his money habits. He wants to save too much. 

Hour 3: Aired on Tuesday, February 14, 2017

- Lewis (Oklahoma City) is an FPU coordinator. How can he coach a class member living on Social Security with massive medical debt?

- Cordell (Indianapolis, IN) asks about rolling a 401(k) into an IRA. What's the best way to diversify those investments?

- Dave answers Colleen's question from Facebook. Why would a credit rating go down if no changes were made?

- Dave talks about the importance of Financial Peace University. 

- Kenneth (New York, NY) doesn't have a job, but was gifted $10,000 and is getting $8,000 in his tax return. He owes $12,000 in debt. What should he do?

- Liz (Milwaukee, WI) recently moved back into a house they had been renting out. The neighborhood has gone down. Should they sell?

- Will and Cara (Knoxville, TN) do their debt-free scream from the lobby. They paid off $80,000 in less than 10 years. 

- Dave answers Sherwin's question from Twitter. How can he make sure his tax withholdings are correct so he doesn't have to pay or get a refund?

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Gary asks if credit cards provide more fraud protection than debit cards for online purchases. 

- Jenny (Pocatello, ID) has a family member living in their home who has a shopping addiction. 

Hour 2: Aired on Tuesday, February 14, 2017

- Ken Coleman and Chris Hogan welcome Christy Wright to the show to talk Valentine's Day. 

- Leslie (Fort Smith, AR) is considering cashing in her whole life policy.

- Jeremy (Greenville, NC) is preparing to join the Coast Guard Reserves. How can he set himself up money-wise for the time he'll be away from work?

- Ken, Chris and Christy discuss Christy's new book, "Business Boutique," the pre-sale special, and the 1-day events. 

- Ken, Chris and Christy answer Jeff's question from Facebook. He's saving for an engagement ring. What's a reasonable amount to pay while on Baby Step 4?

- Kara (Dayton, OH) needs to file taxes on two home-based business, but doesn't know how. 

- Jake (Milwaukee, WI) wants to get his wife on board. 

- Mike (Portland, OR) is thinking about selling rental property to liquidate the cash and invest it. 

- Sarah gets her Facebook question answered. Is it ever a good idea to go into debt to start a business?

- Joseph (New York, NY) asks how to handle sinking funds in his budget. 

- Michelle (Pueblo, CO) has a 17-year-old who is headed to college with leftover money. 

- Ken, Chris and Christy answer Blake's question from Twitter. He's getting married next month. Any advice?

Hour 1: Aired on Tuesday, February 14, 2017

- Ken Coleman, Chris Brown and Chris Hogan talk about Valentine's Day and Chris Brown's V-Day blog at Stewardship.com. 

- Trevor (Louisville, KY) is in Baby Step 2. Should they buy term life insurance?

- Tracy (Boston, MA) isn't sure where paying the IRS should fit into the debt snowball. 

- Rick's question from Twitter gets answered. How much should he spend on a Valentine's gift for his girlfriend?

- Roger (San Francisco, CA) asks if whole life insurance is a bad thing. 

- James (Everett, WA) wants to use his mutual funds to pay down debt. 

- Thomas (Atlanta, GA) has a small business that is not doing so hot. How can he fix it?

- Rob (Hartford, CT) asks if filling out the FAFSA is required. 

- Jennifer (Columbia, MD) was recently divorced. They sold the house. What should she do with the $179,000 from the sale?

- Ken, Chris, and Chris answer Jenny's question from Twitter. She's saving up for a vacation. Should she book her flights with a credit card?

- David (Memphis, TN) has a goal of moving to NYC without debt. How should he apply his savings?

- Kelsey (San Diego, CA) has $15,000 in student loans. Her husband is deployed in the military. When should she start paying them off?

- Nate (Springfield, MO) is leaving a job that provided housing. Should they buy or rent? 

Hour 3: Aired on Monday, February 13, 2017

- Adam (Phoenix, AZ) is $80,000 in debt. His wife wants to stop working in four months. 

- Steve (Pittsburgh, PA) just got married. Should they buy a house?

- Dave talks about the importance of Financial Peace University. 

- Andy (Phoenix, AZ) accepted a higher-paying job. How should he resign from his current position?

- Eric (Lexington, KY) asks when to start teaching his 3-year-old about money and responsibility. 

- Mark and Kelsey (Grand Rapids, MI) do their debt-free scream from the lobby. They paid off $47,000 in 18 months. 

- Michael (Spokane, WA) took out a Parent Plus student loan for their child. Should they refinance it or pay it off?

- Dave shares the Scripture and quote of the day. 

- Ruben (Boise, ID) asks if a line of credit is comparable to having a credit card. 

- Stacy (San Luis Obispo, CA) has a friend who bought a $38,000 car last year and he's drowning in debt. 

- Tim (Detroit, MI) asks if a debit card is protected from fraud. 

- Rose (Colorado Springs, CO) is in a disagreement with her husband about helping his brother.

Hour 2: Aired on Monday, February 13, 2017

- Ken Coleman, Rachel Cruze, and Chris Hogan talk about Valentine's Day coming up tomorrow. 

- Trent (Sioux Falls, SD) asks if he should sell his pickup.

- Ken, Rachel, and Chris talk about the Smart Conference in San Antonio and Phoenix this Spring and introduce a special Valentine's offer. 

- Jay (Colorado Springs, CO) is thinking of selling his rental properties to get out of debt.

- Ken, Rachel, and Chris answer Stephanie's question from Twitter. She and her husband don't agree about money. One wants to save and the other wants to pay off debt.

- Amanda (Des Moines, IA) went into a credit counseling and consolidation program. Should she withdraw and just attack it herself? 

- Charlie (Kansas City, KS) is losing his roommate several months before the lease runs out. He's not on the lease, and they're not sure he'll hold up his end of the agreement. 

- Megan (Salt Lake City, UT) asks if they should move the car up in the Baby Steps. 

Hour 1: Aired on Monday, February 13, 2017

- Teresa (Minneapolis, MN) is considering taking money out of investments to pay off the mortgage. 

- David (Florence, AL) asks if he should move money from a traditional IRA to a Roth IRA.

- Diane (Dayton, OH) and her husband are first-time budgeters. He doesn't want to cut out cable and cigarettes. Is she being too over-the-top?

- Sue (Cincinnati, OH) is a single mom who's being laid off this summer. What should her next step be?

- Dave answers Steven's question from Twitter. His mom turned 60 this year. Is it too late for her to save for retirement?

- Chris and Stephanie (Atlanta, GA) do their debt free scream from the lobby. They paid off $160,000 in 14 months. 

- Joe (Denver, CO) and his wife had a baby. Does that change the debt snowball? 

- Dave answers the Blinds.com question of the day. Michelle says her husband is being too specific and nerdy about the budget meeting. What should it look like?

- Michelle (Orlando, FL) has a rental about 6 hours away with a negative cashflow. They're losing $50,000/year. Should they keep hope alive or sell?

Hour 3: Aired on Friday, February 10, 2017

- Joe (Orlando, FL) is considering creative financing with zero-percent credit cards and his savings to fund a down payment on a house. 

- Dave answers Logan's question from Twitter. What are some basic tips to stay out of debt?

- Christina (Boise, ID) is getting a tax refund. Should she use it to pay off debts or to fill up the emergency fund?

- Freddy (New York, NY) is using a leased car for business. He's now $9,000 upside down on it. How can he get out?

- Dave shares the need to be smart about cars and work. Values go down fast. 

- Dave and Donna (Raleigh-Durham, NC) do their debt-free scream from the lobby. They paid off $144,158 in 35 months. 

- Barbara (Columbus, OH) asks if they should pay off student loans or the car first. 

- Dave shares the Scripture and quote of the day. 

- Michael (Memphis, TN) wants to expand their real estate portfolio after paying off their mortgage.

- Kathleen (Las Vegas, NV) has a $105,000 pile of cash. Should she hold on to it while her husband gets started in real estate? 

Hour 2: Aired on Friday, February 10, 2017

- Debra (Toledo, OH) is a senior citizen on a fixed income. Should they use mutual fund money to pay off their cars? 

- Dave talks about the importance of his most popular class, "Financial Peace University." 

- Kevin (Dayton, OH) is attending Financial Coach Master Training in April. Should he pursue a career as a financial coach?

- Angela (Wheeling, WV) is getting a tax refund. Should she use it on credit card debt or pay off a $6,000 car loan with a 24% interest rate?

- Dave explains why we should stop and think before making big purchases. 

- Trevor and Jaclyn (Kansas City, KS) do their debt-free scream. They paid off $109,390 in 3.5 years. 

- Chris (Austin, TX) is splitting an inherited IRA. How can they do it and avoid taxes?

- Ann (Baton Rouge, LA) is paying down debt with her husband, but they're interested in learning more about owning rental property.

- Lisa (Wilkes-Barre, PA) has three kids working for her retail business. How much commission should she pay?

Hour 1: Aired on Friday, February 10, 2017

- Javier (Phoenix, AZ) can't get collectors to send the settlement offer in writing. 

- Nicole (Fredericksburg, VA) recently discovered they're only paying interest on her husband's student loans. 

- Dave answers Collette's question from Twitter. What does Dave mean by "live on beans and rice, rice and beans?"

- Scott and Addie (Indianapolis, IN) do their debt-free scream from the lobby. They paid off $63,000 in 20 months. 

- Paul (Wichita, KS) asks about rolling over a Roth IRA.

- Dave answers the Blinds.com question of the day. Christina only has one debt that's six years old. Should she let it roll off of her credit report?

- Tyler (Boston, MA) needs to know how to increase his income to get out of debt faster. 

- Penny (St. Joseph, MO) owes $14,000 in medical bills from a car accident on the job. 

- Dave talks about Chris Hogan's best-selling book, "Retire Inspired."

- Tanya (Hartford, CT) has an 11-year-old car with high miles. Should she keep maintaining that one or buy a new one?

- Mike (Los Angeles) asks if his rent is too expensive.

- Dave answers Ashley's question from Twitter. How do you help a friend overcome an "I'm too broke to do a budget" mind-set?

Hour 3: Aired on Thursday, February 9, 2017

- Chris (Tampa, FL) asks if they should take advantage of a government grant program to buy a house. 

- Dave answers Sarah's question from Twitter. Her retirement plan is a defined pension based on the last three years. Should she open an IRA and put 15% of her income in it?

- Dave talks about the digital marketing positions open at Ramsey Solutions. 

- Xavier (Chicago, IL) is caught between wanting to buy rental properties and paying down debt.

- Michael (Philadelphia, PA) wants to help his estranged niece with money she inherited.

- Pam (Raleigh-Durham, NC) does her debt-free scream. She paid off $41,724 in 14 months.

- Kirk (Montgomery, AL) is considering using mutual funds to pay off the house. 

- Dave shares the Scripture and quote of the day. 

- Tina (Wichita, KS) is a real estate agent. What should she do with her money? She disagrees with her husband. 

- Pam (Sacramento, CA) isn't on the same page with her husband and it's stressing her out. 

Hour 2: Aired on Thursday, February 9, 2017

- Luis (Kansas City, MO) owes more on his car than it's worth. How does he get rid of it?

- Dave answers Rachel's question from Twitter. What's the craziest thing that has ever happened on air?

- Dave talks about upcoming live events. 

- Mike (Portland, ME) has a high schooler. How do they save for his college while they dig out of $100,000 in debt? 

- Kevin (Charlotte, NC) is considering buying his own big rig. Should he?

- Brandon (Raleigh-Durham, NC) has savings, but isn't sure what to do with it. 

- Douglas (Austin, TX) gained $60,000 after selling his house.

- Ebony (Birmingham, AL) wonders what to do with the annuity her husband inherited. 

- Joyce (Kansas City, MO) is 69 and asks if she should pay off the house if it will deplete her cash on hand.