Dave opens the show commenting on a report by MarketWatch that states that 99% of borrowers have been rejected for the student loan forgiveness program: "If you're waiting on the government to fix your life, you're screwed." — Dave  Dave answers questions from across America on communicating with kids about inheritance, paying off your mortgage, and using a budget to pay down debt.

Wouldn't It Be Nice if Christmas Wasn't a Crisis?

Make a Christmas Budget to stay out of debt this holiday season. EveryDollar helps you create a monthly budget in just 10 minutes so you can achieve your money goals. 

Featured Calls:

• Do your kids really know how much is in your estate?
• Is it smart to use my savings to pay off my mortgage?
• We can't cover our bills when my husband is at home from his overseas job.

Also Mentioned in This Episode:

• START can help you punch fear in the face, escape average, and do work that matters.
• In The Legacy Journey, Dave Ramsey takes a deep dive into God’s word, revealing the truth on money, wealth and how to build your personal and family legacy.
• Financial Peace University will help you take control of your money, plan for your future, and transform your life.
• Business Boutique will give you the tools you need to make money doing what you love.

Listen and Watch

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Using Google Play? Find Links Below: 

• MarketWatch Report: https://www.marketwatch.com/story/this-government-loan-forgiveness-program-has-rejected-99-of-borrowers-so-far-2018-09-20
• The Legacy Journey: https://goo.gl/z5xhVB
• EveryDollar: https://goo.gl/j2acMb
• Financial Peace University: https://goo.gl/Ui6MDT
• Business Boutique: https://goo.gl/aA66Pt
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app