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)?