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?