Hour 1: Aired on Thursday, February 9, 2017

- Pete (Nashville, TN) is investing for retirement, but he's thinking about stopping to fund a 529 account for the kids. 

- Justin (Fort Meyers, FL) is doing real estate part-time, and wants to make the leap to full-time. When should he do it?

- Chelly (Charlotte, NC) is behind on her student loan payments. 

- Allison (Allentown, PA) isn't sure how to attend medical school without incurring debt. 

- Charlie and Jennifer (St, Louis, MO) do their debt-free scream. They paid off $149,473 in 53 months. 

- Dave answers the Blinds.com question of the day. Kyle's wife isn't excited about the debt snowball and wants to work her own plan. It isn't working. 

- Neyssa (Allentown, PA) is moving in with her parents temporarily. Should they save up cash to move to Philly or pay off debt? 

- Debra (Atlanta, GA) asks why they need an emergency fund with their various sinking funds.  

Hour 3: Aired on Wednesday, February 8, 2017

- James (Atlanta, GA) isn't sure where to go after Baby Step 4. 

- Essence (Tulsa, OK) is paid biweekly. How can she budget?

- Dave responds to a Twitter question about the "magic month" he mentioned on the call with Essence. 

- Dan (Quincy, IL) asks if he should use Social Security to pay his mortgage. 

- Dave answers the Blinds.com question of the day. Candi's mortgage company hasn't been applying her extra payments to the principal. How can she fix that?

- Ashley (Atlanta, GA) wants to switch the order of the Baby Steps in their case. 

- Dave answers Sarah's question from Twitter. Should they give their middle school daughter an allowance to teach her about money? 

- Lin (San Antonio, TX) does her debt-free scream. She paid off $68,036 in 33 months.

-  Erika (Orlando, FL) is a single mom. Where does she start getting control of her money?

- Dave shares the Scripture and quote of the day. 

- Jeff (Orlando, FL) needs to fund his daughter's wedding but would like to do it without those pesky gift taxes. 

- Richard (Bloomington, IL) asks if he should sell his car.

Hour 2: Aired on Wednesday, February 8, 2017

- Steve (Richmond, VA) isn't sure when to replace his car.

- Lauren (Charlotte, NC) and her husband are trying to figure out how to attack his $250,000 in law school student loans. He's having a hard time finding good work. 

- Country artist John Rich joins Dave in studio to talk about the launch of his "Redneck Riviera" in Las Vegas. 

- Dave talks about John's appearance at EntreLeadership Summit in May. 

- Omega (Brooklyn, NY) does a debt-free scream after paying off $42,000 in 7.5 months. 

- Amanda (Chicago, IL) asks if now is a good time to buy income-producing property. 

- Marville (Roanoke, VA) is considering using part of their emergency fund to make a down payment. It would take them from six months or readiness down to four. 

- James (Nashville, TN) needs to know how much to put toward debt each month. 

- Zachary (Los Angeles) asks how to attack student loan debt while in school. 

Hour 1: Aired on Wednesday, February 8, 2017

- Guest Christy Wright joins Dave in studio to discuss her new book, "Business Boutique", and the topic of women running small businesses.

- Candace (Dayton, OH) feels like her age is working against her in the hunt for clients. 

- Connie (Lafayette, IN) asks how to help her team understand the "why."

- Kenneth and Anna (Raleigh-Durham, NC) do their debt-free scream. They paid off $99,087 in 25 months. 

- Lucy (Orlando, FL) is calling for her husband. Her husband is a trustee for a property with the potential of a strip club as a tenant. 

- Jessica (Tampa, FL) has $250,000 in law school student loans and she's starting to panic.

Hour 3: Aired on Tuesday, February 7, 2017

- Justin (Lansing, MI) asks how to handle a $2,000 gift given to his 1- and 3-year-old kids.  

- Katie (Orlando, FL) has four toddlers at home. Should she go to work at a preschool, which would mean a tuition discount?

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

- Scott (Chicago, IL) is paying his parents back for $50,000 in student loans. How fast can he do this making $100,000?

- Ethan and Cady (Springfield, IL) do their debt-free scream after paying off $55,000 in 28 months. 

- Malcolm (Austin, TX) is reaching a threshold on their deductible IRA. What are the best ways to invest now?

- Dave shares the Scripture and quote of the day.

- John (Minot, ND) is considering selling some paid-off rental properties to pay off his others. Should he? 

- Mason (Oklahoma City) can't seem to sell his mobile home. It's been on the market for three years. 

Hour 2: Aired on Tuesday, February 7, 2017

- Alicia (Nashville, TN) leased a minivan before reading Dave's book.

- Rick (Nampa, ID) is considering buying a new house. Should they?

- Darlene (Oklahoma City) is receiving money from mineral rights on property she's inherited. How should she invest it?

- Juanita (Dayton, OH) asks if reverse mortgages are ever a good idea. 

- Dave talks about openings here at Ramsey Solutions. 

- Rudolph (Madison, WI) has $50,000 in medical bills that has been turned over to collections. How can he settle? 

- Dave answers the Blinds.com question of the day. Eric is advising elderly clients who want to use a whole life policy to leave money for their church. Good or bad?

- Dave talks about George Orwell's "1984" being #1 on the Publisher's Weekly best-seller's list this week. 

- Ty (Eugene, OR) is running into problems with his mortgage bank. Is it ok to pay on his mortgage bi-weekly? 

- Jill (Leesburg, VA) owes $11,000 on their second mortgage on a $44,000 income. They're getting a $7,000 refund. In what Baby Step should they pay it off?

Hour 1: Aired on Tuesday, February 7, 2017

- Leslie (Cleveland, OH) isn't sure how much life insurance they need. 

- Bethany (Rockford, IL) is considering enrolling in a public student loan forgiveness program. 

- Dave talks about the popular online budgeting tool, EveryDollar. 

- Ryan (Toronto, Ontario) is doing well in his business. Now what?

- Ashua (Phoenix, AZ) asks about paying off debt with stocks. 

- Kaysee (Baton Rouge, LA) does her debt-free scream. She paid off $23,000 in a year.

- Jean (Cincinnati, OH) has $3 million saved, and none of it is in investments. What should they do now?

- Darren (Sacramento, CA) has rental property in Southern California. Should they sell it to pay off debt?

- Dave answers Jason's question from Twitter. What does Dave do when he's not on the radio or at an event?

- Dave answers Joe's question from Twitter. If he's trying to be gazelle intense, how should he approach dating on a tight budget? 

Hour 3: Aired on Monday, February 6, 2017

- Chris Brown, host of "Chris Brown's True Stewardship," joins Dave in studio to discuss stewarding your marriage. 

- Bryan (Fargo, ND) is considering moving to Minnesota. Should they pause the Baby Steps? And should they get an apartment before buying a house?

- Aaron (Houston, TX) is working extra, but it's keeping him separated from his wife and is affecting their marriage. 

- Heath and Brittany (Harrison, AR) do their debt-free scream. They paid off $68,000 in 10 months. 

- Dave answers John's question from Twitter. Can Dave recommend books to improve hustle, drive, and motivation?

- Dave shares the Scripture and quote of the day. 

- Steve (Fresno, CA) and his wife have found their dream property. Should they use their emergency and retirement funds to buy it without financing? 

Hour 2: Aired on Monday, February 6, 2017

- Ashley (Indianapolis, IN) asks how to pay off student loans. 

- Jim (Pueblo, CO) is being offered an annuity by his financial advisor. Is this a good idea?

- Dave talks about the importance of Financial Peace University. 

- Lloyd (Lexington, KY) was diagnosed with cancer. His term policy expires in two years. Should he sell it for a "life insurance settlement?"

- Brad (Toledo, OH) does his debt-free scream. He paid off $144,000 in 53 months. 

- John (Chicago, IL) gets child support from his ex-wife. How should he use that? Pay off his car or save for his son's college?

- Dave answers Ann's question from Facebook. She has three credit cards. Shouldn't she pay off the one with the highest interest rate first?

- Stacy (Dallas, TX) is concerned about her husband putting money into his non-matching 401(k)?

- Bryan (Binghamton, NY) is in Baby Step 2. His wife wants to go back to school to become a nurse. She'd have to quit work. Is this a good idea?

Hour 1: Aired on Monday, February 6, 2017

- Chris (San Antonio, TX) asks when to do Baby Steps 4–6. Should he save up for a home down payment first?

- Matt (Kingsport, TN) needs to know when to pay off timeshares and how to approach that in the Baby Steps. 

- Sarah (Pensacola, FL) is paying off student loans. What's next? The home or investing?

- Dave invites listeners to preorder Christy Wright's new book, "Business Boutique."

- Erik (Chicago, IL) is a college student. What should he do with the $13,000 he received from his grandfather?

- Stephanie (Mason City, IA) isn't getting any support from her family. 

- Matt and Tasha (Columbus, OH) do their debt-free scream. They paid off $40,000 in 15 months. 

- Dave answers the Blinds.com question of the day. Whitney has a 15-year-old son with no college savings. Should she stop Baby Step 2 and start saving?

Hour 1: Aired on Friday, February 3, 2017

- Jaime (McAllen, TX) wants to maximize his wife's paycheck. 

- Dave talks about the Smart Conferences coming up in San Antonio and Phoenix.

- Meghan (Orlando, FL) is looking to buy a new-to-her car before getting rolling with the debt snowball. 

- Dave talks about the "Business Boutique" book releasing April 17.

- Nicholas (Detroit, MI) is getting married in October. He's $22,000 in debt and wants to save for the wedding. 

- Joe and Amy (Omaha, NE) do their debt-free scream. They paid off $126,600 in 41 months. 

- Dave answers the Blinds.com question of the day. Anna asks where back property taxes fall in Baby Step 2. 

- Dave shares the Scripture and quote of the day.

- Jim (Lexington, KY) asks if buying a farm was a good idea. 

- John (Tucson, AZ) wonders if they have enough retirement. 

Hour 2: Aired on Friday, February 3, 2017

- Rachel (Boise, ID) just found out about another $90,000 in student loans her husband has. The in-laws just informed her. 

- Dave talks about the popular online budgeting app, EveryDollar.

- Ryan (Mason City, IA) wants to know where a small business startup would fit into the budget in Baby Step 2. His wife wants to start a business.

- Karen (Cincinnati, OH) isn't sure how to start her budget on EveryDollar due to bills that fluctuate, bonuses, stock options, and the like.

- Kunal (Raleigh-Durham, NC) screams "I'm debt free!" from the lobby after paying off $40,000 in six months.

- Cliff (Greensboro, NC) is coordinating a Financial Peace University class. He's concerned one of his students is enabling her mom. 

- Jane (New Orleans) is considering paying off her mortgage. 

Hour 1: Aired on Friday, February 3, 2017

- Jason (San Francisco) has a grown son with cancer living with them. Are they enabling him? 

- Maria (Los Angeles) asks which 401(k) option she should go for and if she should sell her company stock to pay off her house. 

- Emily (Birmingham, AL) wants to start a financial coaching business. Her husband thinks she should wait until they're out of debt. 

- David (Salt Lake City, UT) isn't sure they should help a sick friend since they don't have a lot of money on hand. 

- Deanna and Jeremy (Peoria, IL) do their debt-free scream. They paid off $90,000 in 45 months. 

- Dave promotes the radio show, "Chris Brown's True Stewardship." 

- Kris (Minneapolis, MN) has Parent PLUS loans. Should she pay them off or take part in any available debt-relief programs? 

- Jonathan (Louisville, KY) asks about the most tax-efficient way for his father to pass his large estate down to the kids. 

- Dave answers Daniel's question from Twitter. Should he wait to start investing for retirement until he has a down payment for a house?

Hour 3: Aired on Thursday, February 2, 2017

- Jessica (Dallas) is getting a tax refund this year. What should she do with it?

- Dave shares the keys for getting and staying out of debt. 

- Bradley (San Antonio) does his debt-free scream from the lobby. He paid off $67,000 in a year. 

- Dr. Les Parrott and Rachel Cruze join Dave in studio to talk about the upcoming Money and Marriage events in Minneapolis, Cincinnati and Chicago.

-  Dave, Les and Rachel talk about Valentine's Day and how men and women approach it differently. 

- Dave shares the Scripture and quote of the day. 

- Les and Rachel talk about the Deep Love assessment (found at DeepLoveAssessment.com). 

- Allison (Monroe, LA) isn't on the same page with her husband on money. 

Hour 1: Aired on Monday, February 2, 2017

- Josh (Colorado Springs) needs priorities in paying off his debt. 

- Gene (Philadelphia) asks if he should pay off his VW considering the buyback offer. 

- Dave answers Smith's question from Twitter. He's been laid off for five months, the emergency fund is shot, and he may lose his home soon. What should he do?

- Tommy and Mary (Atlanta, GA) do their debt-free scream from the lobby. They paid off $72,311 in 33 months. 

- Megan (New York, NY) is renting but is thinking about buying a house and commuting into the city. 

- Author Chris Hogan joins Dave in studio. Dave and Chris talk about the upcoming EntreLeadership Summit event, the importance of single people saving for retirement, and the importance of communicating with your spouse. 

- Maria (Los Angeles) asks if she should use stocks and a Roth IRA to pay off the house. 

- Dave and Chris talk about the R:IQ tool at chrishogan360.com.

Hour 3: Aired on Wednesday, February 1, 2017

- Katie (Provo, UT) is gazelle intense on their goals, but should she help their daughters through college?

- Dave answers Glenn's question from Facebook. His company is offering a pension buyout. Should he roll it into an IRA?

- Dave answers the Blinds.com question of the day. Dave asks if gold should be a part of his retirement plan?

- Daniel (Kearney, NE) inherited farm real estate seven years ago. Should he sell it and invest elsewhere?

- Roanne and Laurence (Birmingham, England) do their debt-free scream. They paid off €32,000in six months. That's $48,000 in US currency! 

- Selena (Chicago, IL) is trying to help her brother's widow. She needs help with the will, life insurance, probate, etc.

- Dave shares the Scripture and quote of the day. 

- Brian (Jacksonville, FL) is saving money while in the military. What should he do with it? 

- Albert (Dallas, TX) is trying to decide between saving for a down payment on a house or opening a Roth IRA. 

- Jesse (Dothan, AL) has a fiancée using debt consolidation. Is there a way to get that debt back from the dispute company?

Hour 2: Aired on Wednesday, February 1, 2017

- William (Orlando, FL) is trying to decide between a Roth and a Traditional IRA.

- Vincent (Pensacola, FL) owns a house with his ex-girlfriend. 

- Kevin (Chattanooga, TN) wants to get his money under control and get out of debt. Where does he start?

- Sam (Birmingham, AL) owes $34k on his truck. He could only get around $30k for it.

- Dave talks about some of the openings at Ramsey Solutions. 

- Lisa (Spokane, WA) needs next steps for her husband who is being laid off. 

- Michael (Dallas, TX) wants to start a small woodworking business, but doesn't know how to run a company. 

- Jamie (Syracuse, NY) asks if he should pay off his truck or sell it. 

- Dave answers Katie's question form Twitter. Should they sell their home to pay off student loans and be 100% debt-free?

Hour 2: Aired on Thursday, December 29, 2016

- Katie (Lafayette, LA) is on the hunt for a job. How can she best search online?

- Dawn (Gilbert, AZ) wants to purchase a home, but her husband will be $450,000 in student loan debt after finishing dental school. 

- Sharon (Dayton, OH) is enabling her 28-year-old son. She feels guilty to keep going, but would feel guilty to stop. 

- Bill (Champaign, IL) is starting a motorcycle touring business. Should he get a new or used bike for this?

- Andrew and Debbie (Burlington, VT) do their debt-free scream from the lobby. They paid off $171,000 in 7.5 years.

- Larry (Boone, NC) is debt free. Now what?

- Lindsay (San Antonio, TX) needs a game plan. Her employer will pay off her husband's $134,000 in student loans in four years. 

- Tina (East Haven, CT) has $180,000 in student loans. Her husband is in the military, and she makes $24,000/year. Should they file for bankruptcy?

- Dave answers Sonya's question from Facebook. If you can opt out of Social Security for moral reasons, should you?

Hour 2: Aired on Tuesday, December 27, 2016

- Charity (Chattanooga, TN) is considering starting a drive-thru coffee shop business. Is this a good idea?

- Keld (Norwich, CT) is unsure about leaving his estranged children in his will. He’s considering giving to charity instead.

- Brandon (Bellingham, WA) is facing two job opportunities. One is self-directed. One is network marketing. Which would Dave suggest?

- Virginia (Atlanta, GA) has a timeshare, and the company is offering to buy it back for $5,000.

- Reid and Cindy (Austin, TX) have a question from the lobby. They’re in their 60s and retired. Should they move an IRA slowly into a Roth to take advantage of low taxes?

- Lea (Detroit, MI) is completely broke and struggling. Her husband is having health problems. What can they do?

- Dave answers Vincent’s question from Twitter. What are Dave’s thoughts on index funds versus regular mutual funds?

- Matt (Calgary, Alberta) day-trades, but wonders if he should go back to work to pay off debt.

Hour 3: Aired on Tuesday, December 27, 2016

- Angel (San Antonio, TX) is recently married and has two kids. Should they take his mother’s offer to move in and buy her house?

- Dave answers Nicholas’ question from Twitter. Where can he get a detailed report of his debts?

- Dave answers Preston’s question from Twitter. Should he get life insurance through work?

- Dave answers the Blinds.com question of the day. Dave asks if there’s ever a time when you’ll graduate from the cash-only system and use a credit card on a limited basis.

- Derek (Billings, MT) received an inheritance. What does he do with it?

- Aaron (Fargo, ND) has credit cards in collections.

- Matt (Nashville, TN) is trying to figure out how to find a career he can get fired up about.

- Carey (Tulsa, OK) can’t seem to get traction.

- Dave shares the Scripture and quote of the day.

- Joel and Lindsey (Seattle, WA) ask how to grow a small business without growing it too fast.

- Jim (Spokane, WA) is torn between paying down the house and adding to the retirement fund.

Hour 1: Aired on Tuesday, December 27, 2016

- Dave rants about people who have a victim mentality.

- Nicole (Chicago, IL) asks if they should consolidate credit cards.

- Casey (Birmingham, AL) is putting money aside to buy a house and will have $35,000 next year. Is that enough?

- Dave answers Nate’s question from Twitter. What does Dave think about buying foreclosures?

- Charles and Myrissa (Springfield, IL) give their debt-free scream from the lobby. They paid off $300,000 in combined student loans.

- Robert (San Antonio, TX) has an overdrawn bank account. If he fixes it, how will that affect his credit?

- Luke (Minneapolis, MN) is considering paying off the house now, but all he’d have left is $20,000 and retirement.

- Lloyd (South Bend, IN) asks about prepaid funeral expenses.

Hour 3: Aired on Monday, November 14, 2016

- Dave talks about the return of The Dave Ramsey Show to SiriusXM. 

- Diane (Reading, PA) is considering using investments to pay off debt. Is this a good idea?

- Chris (Baton Rouge, LA) is discouraged that debt isn't going away quick enough. 

- Terry (Kansas City, MO) is getting ever closer to retirement. Should he use 401(k) money to pay off the house? 

- David (Chicago, IL) is having trouble budgeting for bills. 

- Dave answers Shaun's question from Facebook. Is there any benefit to term life with living benefits versus straight term life insurance? 

- Scott and Charlena (Winston-Salem, NC) give their debt-free scream. They paid off $140,000 in 30 months. 

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Chris asks if he should borrow on a 401(k) to pay off his credit cards? The math seems to work.

- Dave talks about the $10 Sale at DaveRamsey.com.  

- Jessica (San Angelo, TX) asks how to budget when she has a regular income, but her husband is self-employed. 

Hour 2: Aired on Monday, November 14, 2016

- Rob (Philadelphia, PA) asks how to attack a student loan. 

- Rebecca (Reading, PA) is upside down on a car. Should she keep it and pay it off? 

- Jimmy and Candace (Oklahoma City) give their debt-free scream from the lobby. They paid off $162,000 in 33 months. 

- Rachel Cruze joins Dave to take calls and to talk about how people who like to spend approach the holidays.

- Laura (Pittsburgh, PA) asks advice on what to do with her savings. 

- Roger (Los Angeles) is considering moving in with his parents. Is this a bad idea?

Hour 1: Aired on Monday, November 14, 2016

- Dave talks about the SiriusXM launch. 

- Rachel (Lynchburg, VA) is considering a student loan repayment plan.

- Karen (Bay City, MI) asks when she should pay off her business mortgage. 

- Braden (Saskatoon, Saskatchewan) wants to be a chicken farmer. Should he borrow money to get into the business? 

- Dave talks about the hard lessons he learned borrowing money for a business. 

- Jay (San Antonio, TX) wants to secure his retirement. 

- Kim (Yorktown, VA) has a rental home mortgage on a house they can't rent out and a family home mortgage. What should they do?

- Shawn and Rosa (Louisville, KY) give their debt-free scream.  They paid off $63,644 in 19 months. 

Hour 3: Aired on Monday, October 24, 2016

- Caleb (Portland, OR) is needing help now that his wife is doing an unpaid internship and they're living on one income. 

- Dave answers Christina's question from Twitter. Where does saving for a wedding fit into the Baby Steps? 

- Latoya (Columbus, OH) wonders if she should get a second life insurance policy. 

- Rodney (Atlanta) asks if he should get rid of his car. 

- Ellie (Salt Lake City, UT) is 60. She wonders if she should sell her house or use some of her retirement money to pay it off.

- Dave answers the Blinds.com question of the day. In Jason's budget, where should alimony and child support be in order of priority? 

- Jeff and Rachel (Salt Lake City, UT) give their debt-free scream from the lobby after paying off $45,000 in 22 months. 

- Cam (Orlando) is considering starting a side business as a personal trainer, but it would require $1,000 in equipment. 

- Dave shares the Scripture and quote of the day. 

- Carrie (St. Louis, MO) is pregnant and paying off debt. Should they keep rolling their debt snowball? 

- Cassie (Pittsburgh, PA) asks how she and her husband can get on the same page about money.