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?