You Won't Hear This On Other Shows - Dave Ramsey Show #8513

Hour 3: Aired on Tuesday, December 13, 2016 - Gregory (Springfield, MO) cosigned for a car that was repossessed. What can he do to repair his credit? - Dave reveals today's deal in the 12 Deals of Christmas on daveramsey.com. - Lisa (Oshkosh, WI) says she and her husband disagree about a financial advisor. - Jennifer (Houston, TX) is in the lobby to share her debt-free story and give her debt-free scream. She paid off $262,000 in 15 months. - Dave reflects on Jennifer's call and talks about how this show is different. - Dave reads the Scripture and quote of the day. - Tucker (Columbia, SC) says he has money in a state retirement program. Should he leave it there? - Jason on Facebook wonders if he should refinance his home to bankroll the costs of adding solar panels

Does $250K in Student Debt Call for a Bigger Emergency Fund - Dava Ramsey Show #8511

Hour 1: Aired on Tuesday, December 13, 2016 - Jean (Las Vegas) says she and her husband have $250,000 in student loan debt. Do they need a bigger emergency fund while they attack it? - Valerie on Twitter wonders if she should refinance to get rid of PMI (private mortgage insurance). - Dave talks about the Ramsey Personalities book-signing event at Ramsey Solutions on Thursday, December 15. - Gary (Yakima, WA) says he was asked to move out of the house he's currently renting. - Kevin (New York) wonders if he and his wife are putting enough toward their debt each month. - Andy (Morgantown, WV) asks if he should pay off his girlfriend's debt now or wait until after they're married. - Dave reads the Blinds.com question of the day. Sonny is saving money to pay cash for a home and wonders how to respond to people who doubt. - Mark (Indianapolis) asks if he owes the IRS a gift tax on the transfer of his mother's house to him. - Bart (Augusta, GA) is on Baby Step 2. He wonders if it would be wise to help a friend and give them Financial Peace University. - Asher (Joplin, MO) asks if he should sell his rental property to pay off his debts.

Buying Cows on Loan - Dave Ramsey Show #8510

Hour 3: Aired on Monday, December 12, 2016 - Shawn (West Palm Beach, FL) has a paid off property. What now? - Dave talks about his appearance on Rachael Ray this morning. - Dave discusses an upcoming event on Thursday where Ramsey Solutions personalities will be signing books. - Adam (Boise, ID) took out a business loan for buying cows and lost money. What now? - Dave talks about the upcoming giving-themed show on December 22 and encourages listeners to call in and tell their stories. - Tiffany (Atlanta, GA) has more than $300,000 in student loan debt, plus $60,000 in consumer and medical debt and a $300,000 mortgage. Where does she even start? - Dave elaborates on the previous call and tells listeners not to go into $300,000 of debt for a business degree. - Dave shares the Scripture and quote of the day. - Latisha (Dallas, TX) is starting over has questions about her student loans and credit card debt.

I'm Married and Living With Parents. Should I Move Out - Dave Ramsey Show #8509

Hour 2: Aired on Monday, December 12, 2016. - Alex (Los Angeles, CA) is married and living with his parents. Should he move out and then continue saving money? - Rob (Kansas City, MO) asks if he should sell his rental property. - Kamie on Twitter wants to know if wages can be garnished if someone is on Social Security.  - Dave talks about the Green Monday sale on daveramsey.com.  - Jenny (Austin, TX) says her husband has been offered a work truck, but it's a downgrade from what he already has. How should he decline without seeming ungrateful? - Dave elaborates on the previous call and talks about his experience being the boss in situations like that. - Chandler (Calgary, Alberta) makes his debt-free call after paying off $29,000 in seven months.  - Dave answers the Blinds.com question of the day. Alex, an IT consultant, believes he might be underpaid but wants to know the best way to go about finding out.  - Shawn (Spokane, WA) asks if it makes sense to roll a 15-year mortgage into a HELOC (home equity line of credit). - Natasha (Louisville, KY) is $80,000 in debt and wants to know if she should file bankruptcy.  

                  

Anthony ONeal Joins Dave to Talk About Generosity and Young People - Dave Ramsey Show #8508

Hour 1: Aired on Monday, December 12, 2016 - Alex (St. Louis, MO) asks Dave what to do with the $100,000 he's saved. - Jeremy (Los Angeles, CA) is worried the GI Bill won't cover the costs of his kids' college. Should he invest to make up the difference? - Brian (Greensboro, NC) wants to know how to get out of the negative equity on his car.  - Scott (Cincinnati, OH) has a question about retirement options for teachers.  - Diane on Facebook asks Dave if it's smarter to rent or buy. - Anthony ONeal joins Dave to talk about generosity among young people and how they can get ready for the new year. - Amanda (Detroit, MI) is in the lobby to give her debt-free scream after paying off nearly $82,000 in three years.  - Dave and Anthony ONeal wrap up the hour.

Dave Ramsey Show #8507: Lindsey's Upside-Down Cars - December 11, 2016

Hour 3: Aired on Friday, December 9, 2016 - Justin (San Antonio, TX) is thinking about going back to school for a graduate degree to be a financial coach. Is this a good idea? - Dave answers Carrie's question from Facebook. Does Dave ever recommend doing a credit card balance transfer? - Dave talks about some of the technology jobs at Ramsey Solutions. They're posted on daveramsey.com.  - Erika (Orlando, FL) wonders if she and her husband should refinance the parent plus loans that are in her in-laws' names. - Lindsey (Oklahoma, OK) wants to get rid of two cars, but she owes more than they're worth. What are her options? - Eric and Lisa (Minneapolis-St. Paul, MN) give their debt-free scream. They paid off $372,140 in 63 months.  - Dave shares the Scripture and quote of the day.  - Russell (Missoula, MT) asks if going to school is a good idea.  - Trevor (Fort Wayne, IN) and his wife are expecting their second child. Should he take unpaid FMLA leave when their baby is born?

Dave Ramsey Show #8506: Author Ainsley Earhardt Joins Dave In Studio - December 11, 2016

Hour 2: Aired on Friday, December 9, 2016 - Leslie (Breckenridge, CO) asks how much she should save to buy a house.  - Cory (Bloomington, IN) is paying off debt. Should he attack the student loans or mortgage first? - Dave talks about the book signing event coming up Thursday 12/15 at our office.  - Diane (Lansing, MI) has been told by her financial advisor to go with universal life insurance with long-term care benefits.  - Dave explains why whole life/universal life policies aren't the way to go.  - Nichole and Jeff (Peoria, IL) do their debt-free scream. They paid off $98,500 in 22 months.  - Ainsley Earhardt, author of "Take Heart, My Child: A Mother's Dream," joins Dave in studio.

Dave Ramsey Show #8505: Scott and Becky Paid Off $345K in 3 Years - December 11, 2016

Hour 1: Aired on Friday, December 9, 2016 - Aaron (Huntsville, TX) isn't sure where to start paying off student loans.  - Tanay (Houston, TX) is getting married, but her fiancée owes $200,000 to the IRS.  - Joe (San Jose, CA) wants to know why whole life insurance is bad.  - Wes (Dallas, Ft. Worth, TX) asks if they should pay off the house now.  - Dave answers Sunny's question from Facebook. India is starting a cashless society. What are Dave's thoughts? - Scott and Becky (Effingham, IL) do their debt-free scream. They paid off $345,000 in just three years! - Dave talks about the 12 Deals of Christmas and reveals today's deal.  - Dave answers the Blinds.com question of the day. Mary Kate is a junior in high school. When should she start working part-time or full-time? - Treven (Wasilla, AK) asks if he should sell his rental.  - Jonathan (Baton Rouge, LA) is considering a car loan. He needs a car and can't afford to pay cash

Dave Ramsey Show #8501: When Is it Okay to Live With the Parents

Hour 3: Aired on Wednesday, December 7, 2016 - Suzanne (Monterrey, CA) is helping a friend through the holidays and wants to help long-term. - Dave answers the Blinds.com question of the day. Alexa asks how Dave feels about owner-financed homes.  - Dave talks about the book signing coming up at the office next Thursday (December 15th).  - Kaylie (Minneapolis-St. Paul, MN) needs help with a purchase agreement on a house.  - Trinya (Seattle, WA) gives her debt-free scream. She paid off $35,000 in 20 months.  - Dave explains that living with your parents is only acceptable in short-term situations.  - Dave shares the Scripture and quote of the day.  - Eugene (Columbus, GA) was offered a survivor benefit plan as a military benefit. Is this a good idea? - Emily (Little Rock, AR) needs help teaching her 3-year-old child about giving.

Dave Ramsey Show #8500: Stock Returns vs. Real Estate Returns

Hour 2: Aired on Wednesday, December 7, 2016 - Ben (St. Louis, MO) is cash flowing grad school. Should they put their 401(k)s on hold? - Dave answers Benjamin's question from Twitter. Is it better to buy a cheap car or a car that is cheap to repair? - Dave talks about the 12 Deals of Christmas and reveals today's deal.  - Nathan (Phoenix, AZ) asks how to prepare for buying a house.  - Tanya (Phoenix, AZ) is starting over at age 42. How does a single mom save for retirement on a low income? - Dave answers Rob's question from Twitter. What sort of developer is Ramsey Solutions looking to hire? - Dave answers Jorge's Twitter question. His investment professional is trying to sell him life insurance. What should the do? - Robyn (Indianapolis, IN) does her debt-free scream from the lobby. She paid off $61,000 in four years.  - Josh (Fort Myers, FL) is hanging on to 401(k) rollover checks. What should he do? - Chris (San Antonio, TX) is on Baby Step 7. Should he take money out of mutual funds to buy a new house and make their current home a rental? - Dave explains the difference between returns in stocks and returns in real estate. 

                      

Dave Ramsey Show #8499: Chris Hogan Joins Dave to Talk Retirement

Hour 1: Aired on Wednesday, December 7, 2016 - Emma (Raleigh-Durham, NC) wants to get her husband on board in getting out of debt. - Wayne and Stela (Huntsville, AL) do their debt-free scream. They paid off $200,000 in 64 months.  - Anna (Albany, NY) works as a vendor for two companies who are having a landlord dispute and she knows things she probably shouldn't.  - Chris Hogan joins Dave in the studio to talk about the latest Ramsey Research findings about the retirement crisis.  - Dave and Chris talk about the Retire Inspired Podcast and the new episode that released today. - Dave and Chris talk about investing. Chris tackles the question, "Is it too late to invest?" - Dave and Chris talk about the EntreLeadership 1-Day events coming up in 2017. - Ben (Los Angeles) asks if he should invest in an ESA (Educational Savings Account) or a 529 for their baby.  - Chris (Denver, CO) wants to retire early. Should he invest money outside of a 401(k) so he can access it before the age 59.5?

Dave Ramsey Show #8497: Jami Paid Off $60K in 3 Months

Hour 2: Aired on Tuesday, December 6, 2016 - Ted (Dayton, OH) is concerned they have too many funds. Should they invest in REITs (Real Estate Investment Trusts)? - Rene (San Francisco, CA) feels he may need more life insurance.  - Stephen (Atlanta, GA) is investing while in Baby Step 2. Should he stop? - Marsha (Portland, OR) owns a rental property free and clear. Should they sell it to pay off their personal home? - Phillip (Kansas City, MO) asks if they should pay off their mortgage and sell the house, or remodel and rent it out.  - Jami (Seattle, WA) does her debt-free scream after paying off $60,000 in three months.  - Scott (Spartanburg, SC) is a truck driver and doesn't live in a home. Should he be flipping houses? - Andy (Halifax, Nova Scotia) asks what area of financial planning is behavior more important than the math.  - Dave rants about investments and how the rate of return is dependent on you putting money in.

Dave Ramsey Show #8498: Use Savings to Pay Off Debt

Hour 3: Aired on Tuesday, December 6, 2016 - Chris (Terre Haute, IN) is considering going back to school and paying cash for it. They're in Baby Step 2. - Cory (Oklahoma City, OK) asks if the employer match counts toward the 15% Dave recommends in Baby Step 4.  - Dave answers the Blinds.com question of the day. Briana's budget is tight and she can't join in on all the holiday fun at work. How can she politely decline? - Dave talks about the upcoming book signing event (Thursday, 12/15) at the Ramsey Solutions office. - Jake (Boise, ID) asks if he should use savings to pay off debt.  - Alex and Hannah (Nashville, TN) do their debt-free scream from the lobby (Alex is on the Ramsey Solutions team!). They paid off $50,000 in four years.  - Dave explains our team is all-in on what we teach.  - Dave shares the Scripture and quote of the day.  - Dave answers Jude's question from Twitter. Which of Dave's books would he recommend to a college student in their senior year?  - Dave answers Reed's question from Twitter. Can couches, computers and clothes add to his net worth? - Dave answers Taylor's question from Twitter. What advice would Dave give a medical student with no debt?  - Dave answers Sandy's question from Facebook. What are Dave's thoughts about transferring an IRA over to gold? - Dave answers Sarah's question from Facebook. Can her husband add an extra insurance policy?  - Steve (Annapolis, MD) asks how to approach Baby Steps 4, 5 and 6. Should they skip Baby Step 5 until they pay off the house?

Dave Ramsey Show #8497: Jami Paid Off $60K in 3 Months!

Hour 3: Aired on Tuesday, December 6, 2016 - Chris (Terre Haute, IN) is considering going back to school and paying cash for it. They're in Baby Step 2. - Cory (Oklahoma City, OK) asks if the employer match counts toward the 15% Dave recommends in Baby Step 4.  - Dave answers the Blinds.com question of the day. Briana's budget is tight and she can't join in on all the holiday fun at work. How can she politely decline? - Dave talks about the upcoming book signing event (Thursday, 12/15) at the Ramsey Solutions office. - Jake (Boise, ID) asks if he should use savings to pay off debt.  - Alex and Hannah (Nashville, TN) do their debt-free scream from the lobby (Alex is on the Ramsey Solutions team!). They paid off $50,000 in four years.  - Dave explains our team is all-in on what we teach.  - Dave shares the Scripture and quote of the day.  - Dave answers Jude's question from Twitter. Which of Dave's books would he recommend to a college student in their senior year?  - Dave answers Reed's question from Twitter. Can couches, computers and clothes add to his net worth? - Dave answers Taylor's question from Twitter. What advice would Dave give a medical student with no debt?  - Dave answers Sandy's question from Facebook. What are Dave's thoughts about transferring an IRA over to gold? - Dave answers Sarah's question from Facebook. Can her husband add an extra insurance policy?  - Steve (Annapolis, MD) asks how to approach Baby Steps 4, 5 and 6. Should they skip Baby Step 5 until they pay off the house?

Dave Ramsey Show #8496: Sarah Wins $15K in the Making Futures Bright Giveaway!

Hour 2: Aired on Tuesday, December 6, 2016 - Ted (Dayton, OH) is concerned they have too many funds. Should they invest in REITs (Real Estate Investment Trusts)? - Rene (San Francisco, CA) feels he may need more life insurance.  - Stephen (Atlanta, GA) is investing while in Baby Step 2. Should he stop? - Marsha (Portland, OR) owns a rental property free and clear. Should they sell it to pay off their personal home? - Phillip (Kansas City, MO) asks if they should pay off their mortgage and sell the house, or remodel and rent it out.  - Jami (Seattle, WA) does her debt-free scream after paying off $60,000 in three months.  - Scott (Spartanburg, SC) is a truck driver and doesn't live in a home. Should he be flipping houses? - Andy (Halifax, Nova Scotia) asks what area of financial planning is behavior more important than the math.  - Dave rants about investments and how the rate of return is dependent on you putting money in. 

Dave Ramsey Show #8495: 35 Credit Cards

Hour 3: Aired on Monday, December 5, 2016 - Jacob (Sacramento, CA) wants to know when it is okay to buy a new car. - Tyler (Iowa City) wonders when he should pay off his business loans. - Dave explains when you own a business, you don't have a "business debt." It's personal because you signed for it. - Alex (New York) asks if he needs an umbrella liability insurance policy. Does it cover car wrecks? - Paris (New Orleans) has a volatile income. Should she save more than $1,000 for her emergency fund before she pays off debts? - Bret and Chelsea (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $114,418 in 22 months. - Dave shares the Scripture and quote of the day.  - Dave talks about the $10 Sale at daveramsey.com. - Susan (New York) has 35 credit cards. How does she start paying down debt when she has trouble keeping up with the minimum payments? - Patrick (Springfield, MO) has a bad annuity. How does he get out of it?

Dave Ramsey Show #8494: Should Ed Buy Two Lake Houses

Hour 1: Aired on Monday, December 5, 2016 - Deanna (Ft. Benning, GA) is in her second bankruptcy and wonders how to get a foothold on her budget. - Dave talks about the 12 Deals of Christmas at daveramsey.com. - Tammy (Colorado Springs) asks if she needs to sell her commercial real estate to pay off the house. - David (Indianapolis) needs to know if he's on the right financial track. - Dave answers the Blinds.com question of the day. Beth is graduating from high school and asks if she needs a credit score. Why or why not? - Jonathan and Heather (Columbus, OH) give their debt-free scream. They paid off $88,000 in 16 months! - Dave answers a question from Twitter. Tanner asks if there are PMI (private mortgage insurance) payments with a VA loan. - Jarvis (New Orleans) is living in a duplex he owns and wants to keep it for an income. Should he pay it off before buying a personal residence? - Jasmine (Tallahassee, FL) was offered three loans to refinance her home and asks which one she should take. - Dave answers a question from Facebook. Christian asks if all mutual funds earn interest or just dividends.

                     

Dave Ramsey Show #8493: The Right Financial Track

Hour 1: Aired on Monday, December 5, 2016 - Deanna (Ft. Benning, GA) is in her second bankruptcy and wonders how to get a foothold on her budget. - Dave talks about the 12 Deals of Christmas at daveramsey.com. - Tammy (Colorado Springs) asks if she needs to sell her commercial real estate to pay off the house. - David (Indianapolis) needs to know if he's on the right financial track. - Dave answers the Blinds.com question of the day. Beth is graduating from high school and asks if she needs a credit score. Why or why not? - Jonathan and Heather (Columbus, OH) give their debt-free scream. They paid off $88,000 in 16 months! - Dave answers a question from Twitter. Tanner asks if there are PMI (private mortgage insurance) payments with a VA loan. - Jarvis (New Orleans) is living in a duplex he owns and wants to keep it for an income. Should he pay it off before buying a personal residence? - Jasmine (Tallahassee, FL) was offered three loans to refinance her home and asks which one she should take. - Dave answers a question from Facebook. Christian asks if all mutual funds earn interest or just dividends.

                  

Dace Ramsey #8492: Kimberly and Reginald Paid Off $135K in 14 Months

Hour 3: Aired on Friday, December 2, 2016 - Kevin (Springfield, MO) asks if he needs a car repair fund. - John (Midland-Odessa, TX) has $12,000 in cash. Should he put it toward the house?  - Dave talks about the show's return to SiriusXM. - Nick (Boise, ID) asks how to get started.  - Jennifer (Tulsa, OK) is considering buying a small business.  - Kimberly and Reginald (Tuskegee, AL) give their debt-free scream. They paid off $135,000 in just 14 months!  - Dave shares the Scripture and quote of the day. - Dave answers Kelsey's Twitter question. Is buying a tiny house as bad as buying an RV?  - Julie (Grand Rapids, MI) asks what the difference is between a living trust and a regular trust that becomes active upon death

                     

Dave Ramsey #8491: Should Flavio Pay Off the House or Make Repairs

Hour 2: Aired on Friday, December 2, 2016 - Flavio (Manchester, NH) is caught between paying off the house or making repairs. - Jim (Louisville, KY) is considering a new mortgage.  - Dave talks about the Making Futures Bright $100,000 Giveaway and how Financial Peace University makes a great Christmas gift.  - Dave answers the Blinds.com question of the day. Candace is behind on her house, cars, and credit cards. How can she catch up on the payments? - Jesse (San Antonio, TX) is a new listener. How can he get started on Dave's plan? - Will and Bethany (Lexington, KY) give their debt-free scream. They paid off $28,000 in 23 months.  - Dave rants about how important it is to get your money in order.  - Dave talks about the 12 Deals of Christmas at daveramsey.com.  - Natalie (New York) asks which job she could take.

Dave Ramsey #8490: Ted Talks Business Sale Proceeds

Hour 1: Aired on Friday, December 2, 2016 - Chris Brown joins Dave in the studio.  - Kate (Detroit, MI) asks if she and her husband should use cash from the sale of their home to update the new house.  - Pat (New York) doesn't want to use a 529 in case his child doesn't want to go to college. Is a Roth IRA okay to save for school? - Dave talks about the Chris Brown's True Stewardship show and podcast. - Jenny (Greensboro, NC) wonders if they're paying off their debt fast enough.  - Ted (San Antonio, TX) asks what to do with proceeds from the sale of his business.  - Travis and Theresa (Tulsa, OK) give their debt-free scream. They paid off $69,000 in 18 months.  - Michael (Raleigh-Durham, NC) asks how his Roth account is negative.  - Stephanie (Albany, NY) is getting money back from a refinance.

Dave Ramsey Show #8489: A Ray of Hope in Pittsburgh

Hour 3: Aired on Thursday, December 1, 2016 - Ray (Pittsburgh, PA) is still in debt. Should he buy his in-law's house? - Dave answers Matt's question from Twitter. Did Dave ever use his emergency fund when he was on Baby Step 1? - Dave talks about EveryDollar and how important a monthly budget is. - Joey (Joplin, MO) is planning to foster-adopt several children over the next few years. How can they save for their educations? - Lorran (Bakersfield, CA) just paid off the house and rental house this morning. What does he do when he's done with the Baby Steps? - Cody and Leslie (Bloomington, IN) do their debt-free scream. They paid off $32,000 in 20 months. - Stephanie (Billings, MT) asks if they should modify the Baby Steps to pay off debt and save for retirement at the same time.   - Dave shares the Scripture and quote of the day.  - Jordan (Kingsport, TN) asks how to get his wife on board with the plan.  - Dave answers Sandy's question from Facebook. Is it wise to convert an IRA to an investment in gold?

Dave Ramsey Show #8488: Scott and Katelyn Paid Off $85K in 2 Years

Hour 2: Aired on Thursday, December 1, 2016 - Denise (Fort Worth, TX) is having trouble budgeting on an irregular income.  - Matthew (Boston, MA) asks if he should group student loans together.  - Dave talks about Christy Wright's upcoming Business Boutique 1-Day events in 2017.  - Mike (Salt Lake City, UT) is self-employed and researching retirement options.  - Daphne (Atlanta) asks what to do with a 401(k) from an old job and if there's a fee to convert it to a Roth IRA. - Scott and Katelyn (Tyler, TX) do their debt-free scream from the lobby. They paid off $85,000 in just two years.  - Dave talks about the various ways listeners can find the show.  - Dave answers Alyssa's question from Twitter. Does Dave have a homeschool program? - Sarah (Seattle, WA) is worried about the security of using only debit cards.  - Evan (Louisville, KY) is worried about the cost of life insurance while working overseas. - Sara (Duluth, MN) asks if they should refinance to a 15-year mortgage.

Dave Ramsey Show #8487: Atlanta Lanny and the Retirement Dilemma

Hour 1: Aired on Thursday, December 1, 2016 - Dave talks about his trip to New York. - Lanny (Atlanta) asks how much is needed to retire. At what age can someone retire comfortably? - Diana (Philadelphia) is considering converting her traditional IRA to a Roth.  - Dave invites listeners to share their giving stories on the Giving Show coming up December 22.  - Quinton (Chicago) is trying to pay off his student loan.  - Clinton (Elkhart, IN) wants to make the most of his investments.  - Roger (Little Rock, AR) needs advice on handling family pressure.  - Peaches and Kent (Jackson, TN) do their debt-free scream. They paid off $69,304 in three years.  - Charles (Phoenix) and his wife have a problem. She cosigned on her sister's student loan.  - Regina (Las Vegas) is debt-free and on Baby Step 4. Should she buy the home she's renting? - Dave talks about the 12 Deals of Christmas at daveramsey.com.  - Dave answers the Blinds.com question of the day. Tonya bought a house in 2010 and is paying extra on her mortgage. She has a 4.5% rate. When should she refinance?
                    

Dave Ramsey Show #8486: Best Short-Term and Long-Term Investments

Hour 3: Aired on Wednesday, November 30, 2016 - Dave reads an article on a man who paid off his mortgage but received backlash. - Paul (Austin, TX) and his church are in a dispute with a contractor. Should they try to settle or sue? - Leslie (Houston, TX) asks where to invest money both short-term and long-term.  - Kevin (Los Angeles) gives his debt-free scream. He paid off $35,000 in two years.  - Melissa (Kansas City, MO) is calling for her husband. He wants to quit his job without another one lined up due to a toxic work environment. - Dave shares the Scripture and quote of the day.  - Dave answers the Blinds.com question of the day. Tina asks if it's too early to ask for a raise at the dream job she just got.  - Dave (Midland, TX) is 65 and has $2.3 million saved for retirement. Does he still need long-term care insurance?

Dave Ramsey Show #8485: Mitch Ditched $105K in Debt in 4 Years!

Hour 2: Aired on Wednesday, November 30, 2016 - Bob (Kansas City, MO) asks if he should use his 403(b) to pay off his house.  - Kristy (Minneapolis-St.Paul, MN) has tenants who want their security deposit back after they refused it, but didn't put it in writing.  - Geraldine (Phoenix, AZ) asks if her husband should enroll in a federal employee student loan repayment program.  - Jake (Phoenix, AZ) is considering inviting his mom to move in.  - Mitch (Chicago, IL) gives his debt-free scream. He paid off $105,000 in four years.  - Taylor (Yakima, WA) needs help listing his priorities.  - Dave answers Dorian's question from Twitter, who was refuting Dave's advice from the previous caller.  - Mike (Los Angeles) owes more on his house than it's worth.  - Dave answers Paige's question from Twitter. Can her ESA (Education Savings Account) be used for private high school tuition?

Dave Ramsey Show #8484: In-Studio Guest Max Lucado

Hour 1: Aired on Wednesday, November 30, 2016 - Ken Coleman and Chris Hogan take calls.  - Josh (Fort Wayne, IN) asks what type of investment he should look into.  - Craig (Kansas City, KS) is underinsured and looking into term life insurance. What should his plan be? - Ken and Chris answer Jason's question from Twitter. He's self-employed and not sure how much to set aside for taxes. - Ken and Chris welcome special guest Max Lucado. Max shares about his new book, "Because of Bethlehem." - Ken and Chris talk about the 12 Deals of Christmas sale at daveramsey.com.  - April (Columbus, OH) asks how to accomplish their dream.  - Matt (Denver, CO) is currently renting but his lease expires soon. Should he buy a house now and pay PMI (Private Mortgage Insurance)?

Dave Ramsey Show #8479: Michael and Amber Paid Off $104K in 4 Years

Hour 3: Aired on Friday, November 25, 2016 - Cassie (Auburn, AL) is living apart from her husband due to a job situation. How can they fix that? - Steve (Phoenix, AZ) wants to teach his kids about money.  - Harry (Dayton, OH) asks if he should use a TSP (Thrift Savings Plan) or invest in other ways.  - Lance (Baton Rouge, LA) has eight months to pay off his current business loan and is thinking of opening a second location. - Michael and Amber (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $104,000 in four years.  - Dave shares the Scripture and quote of the day.  - Nick (College Station, TX) asks if he should transition to another job.  - Peter (Las Vegas, NV) asks if he should sell his house to pay off debt.

                    

Dave Ramsey Show #8478: The Best Place to Retire

Hour 2: Aired on Friday, November 25, 2016 - Lisa (New York, NY) is thinking of abandoning her house-savings goal to save for retirement.  - Adam (Minneapolis, MN) is newly married. How much should they live on and how much should they put toward debt? - Dave talks about the importance of Financial Peace University and what a great Christmas gift it makes.  - Amy (Dallas, TX) is worried extended family will try to stake claim to her father's assets. He doesn't have a will.  - Rebecca (Indianapolis, IN) asks Dave to explain reverse mortgages. - Jessica (Tucson, AZ) has a husband who's a big impulse spender. - Dave answers Laverne's question from Twitter. Where is the best and cheapest place to retire?  - Drew (Baltimore, MD) is considering using 401(k) money to pay the house off

Dave Ramsey Show #8483: Ryan and Molly Paid Off $336K

Hour 3: Aired on Tuesday, November 29, 2016 - Laura (Baltimore, MD) is $300,000 in debt, some outside of bankruptcy. How can she pay it off? - Dave answers the Blinds.com question of the day. Jim asks how to discuss the need for long-term care insurance with his parents.  - Sean (Columbus, OH) isn't happy with his living situation. Should they break the lease? - Ryan and Molly (Nashville, TN) give their debt-free scream from the lobby. They paid off $336,000 in less than 10 years.  - Dave shares the Scripture and quote of the day.  - Linda (Colorado Springs, CO) asks if they should sell their house or rent it out. - Kyle (St. Louis, MO) wants to renovate his house, but isn't sure what permits he needs.  - Dave answers Patrick's question from Twitter. What financial goal should he tackle first?

                     

Dave Ramsey Show #8482: Lydia's Husband Wants a High Credit Score

Hour 2: Aired on Tuesday, November 29, 2016 - Ken Coleman and Chris Hogan talk about goal-setting.  - Katie (Atlanta, GA) has $130,000 in student loan debt. Should they have a baby or wait? - Ken and Chris talk about the $100,000 Making Futures Bright Giveaway and the $10 Sale at daveramsey.com.  - Lydia (Kansas City, MO) is having issues with her husband who wants a high credit score.  - Ken and Chris talk about the credit score myth. - Ken and Chris answer Austin's question from Twitter. Should he start a sinking fund for a replacement car while they're in debt and working Baby Step 2? - John (Indianapolis) asks if investment options within HSAs are a good idea.  - Chanel (Phoenix) asks what to do with a 401(k).  - George (Lexington, KY) needs helping starting the Baby Steps.  - Max (Dallas) is trying to decide between life insurance versus long-term care insurance.  - Ken and Chris answer Ramona's question from Facebook. How should she save the $1,000 for Baby Step 1? Put it in a savings account?

Dave Ramsey Show #8481: Ken Coleman, Chris Hogan, and Chris Brown Run the Show

Hour 1: Aired on Tuesday, November 29, 2016 - Ken Coleman, Chris Hogan and Chris Brown take calls for the hour.  - Ken, Chris and Chris talk about the Smart Money events in the spring of 2017.  - Nathan (New Orleans, LA) asks if he should buy or rent.  - Charles (South Bend, IN) asks if real estate debt is bad.  - Dana (Brainerd, MN) needs help handling a large settlement. Should she use it to pay off debt? Where should she invest? - Jeff (Kansas City, MO) is considering pulling money out of his Roth IRA to buy land.  - José (Phoenix) wants to get rid of a timeshare. His wife doesn't. Is there ever a good reason to keep a timeshare? - Bo (Boise, ID) has a friend who is an insurance agent. Should he trust him to set up his retirement accounts as well? - Steve (Lansing, MI) asks how to allocate funds in a Thrift Savings Plan (TSP). - Cory (Ames, IA) asks if she should sell her house.  - Mary (Indianapolis) is starting to pay off her debts, and they know there are old debts out there. How do they find them?  - Shanna (Oklahoma City) is considering using an old IRA to pay off student loans. Is that a good idea? - Chris (Las Vegas) has been doing private equity lending. Is that advisable?

Dave Ramsey Show #8480: Should Brian Invest While Paying Off Debt

Hour 3: Aired on Monday, November 28, 2016 - Casey (Spokane, WA) asks if he should take his disability in a lump sum or in payments.  - Shannon (Baton Rouge, LA) is doing the Total Money Makeover, but they've had flood damage and medical issues.  - Dave talks about the upcoming Smart Conference in the spring of 2017. - Brian (Austin, TX) says a financial planner is advising them to invest while they're paying off debt. What should they do? - Todd (Orlando, FL) asks if he should pay off his mortgage or invest. - Joe and Nicole (Sacramento, CA) give their debt-free scream. They paid off $78,000 in 22 months!  - Dave shares the Scripture and quote of the day.  - Robert (Atlanta, GA) has extra money and he doesn't know what to do with it. - Rachel (Houston, TX) is paying off her student loans. Which one should she pay off first?

Dave Ramsey Show #8479: Larry in Milwaukee Wins $10,000

Hour 2: Aired on Monday, November 28, 2016 - Dave talks about the Spring 2017 schedule of EntreLeadership 1-Day events.  - Chris (Raleigh-Durham, NC) is out of debt and facing deployment before getting married. - Daryl and Kristin (Reading, PA) give their debt-free scream from the lobby. They paid off $69,000 in 17 months.  - Lorie (Boise, ID) is considering selling her rental property while values are high.  - Dave talks about the $100,000 Making Futures Bright Giveaway.  - Dave gives away $10,000 to Larry in Milwaukee.  - Dave talks about the Cyber Monday Sale at daveramsey.com.  - Daniel (Aviono, Italy) is in the military. He asks when he should open a mutual fund if he should utilize a Thrift Savings Plan.  - Emily (Dallas, TX) gives her debt-free scream from the lobby. She paid off $21,000 in 18 months.  - Rachel (Atlanta, GA) just received a $6,000/year raise. How should she handle the extra income?

Dave Ramsey Show #8479: Michael and Amber Paid Off $104K in 4 Years

Hour 3: Aired on Friday, November 25, 2016 - Cassie (Auburn, AL) is living apart from her husband due to a job situation. How can they fix that? - Steve (Phoenix, AZ) wants to teach his kids about money.  - Harry (Dayton, OH) asks if he should use a TSP (Thrift Savings Plan) or invest in other ways.  - Lance (Baton Rouge, LA) has eight months to pay off his current business loan and is thinking of opening a second location. - Michael and Amber (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $104,000 in four years.  - Dave shares the Scripture and quote of the day.  - Nick (College Station, TX) asks if he should transition to another job.  - Peter (Las Vegas, NV) asks if he should sell his house to pay off debt.

                    

Dave Ramsey Show #8478: Difference Between Wants and Needs

Hour 1: Aired on Monday, November 28, 2016 - Dave talks about Thanksgiving and how one day won't make you fat, just like one day won't make you rich. It's excellence in the everyday.  - Dylan (Tucson, AZ) has a complicated housing situation, but partially owns the house. Should he sell it? - Dave talks about the Cyber Monday Sale at daveramsey.com.  - Brock (Toronto, Ontario) asks the difference between EntreLeadership Summit and EntreLeadership Master Series.  - Jeremy (Sault Ste. Marie, MI) asks how to budget on an irregular income.  - Dave answers Chuck's question from Facebook. How do you decide the difference between a want and a need when you're shopping?  - Brian and Morgan (Indianapolis, IN) give their debt-free scream. They paid off $42,000 in 20 months.  - Dave answers the Blinds.com question of the day. Tracy cosigned on a car for a family member and it was repossessed and later paid off. Should it still be on her credit? - Candace (Indianapolis, IN) asks which job offer her husband should take.  - Tyler (Oklahoma, OK) needs Dave's opinion on prepaid legal services for people with concealed carry permits

                     

Dave Ramsey Show #8478: The Best Place to Retire

Hour 2: Aired on Friday, November 25, 2016 - Lisa (New York, NY) is thinking of abandoning her house-savings goal to save for retirement.  - Adam (Minneapolis, MN) is newly married. How much should they live on and how much should they put toward debt? - Dave talks about the importance of Financial Peace University and what a great Christmas gift it makes.  - Amy (Dallas, TX) is worried extended family will try to stake claim to her father's assets. He doesn't have a will.  - Rebecca (Indianapolis, IN) asks Dave to explain reverse mortgages. - Jessica (Tucson, AZ) has a husband who's a big impulse spender. - Dave answers Laverne's question from Twitter. Where is the best and cheapest place to retire?  - Drew (Baltimore, MD) is considering using 401(k) money to pay the house off.

Dave Ramsey Show #8477: How to Pay Off Student Loan Debt

Hour 1: Aired on Friday, November 25, 2016 - Austin (Idaho Falls, ID) is in college and looking ahead to next summer. Should he take a pest control sales job in Virginia?  - Allison (Houston, TX) asks how to pay for school without going further into debt.  - Bridget (New York, NY) is considering selling the stock her husband gets as a company bonus.  - Karen (Davenport, IA) asks how to make an offer on a house.  - Joe and Mandie (Anchorage, AK) give their debt-free scream. They paid off $42,458 in three years.  - Sarah (Phoenix, AZ) needs direction on her goals. They can't own property in the city where they live.  - Dave answers the Blinds.com question of the day. Emily has $80,000 in student loan debt. Should they apply for consolidation? What's the best way to get rid of it? - Sarah (Phoenix, AZ) asks if she should keep her car.  - Dave answers Kyle's question from Twitter. What does Dave think about term life insurance with "living benefits coverage?"