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?"