We're proud of you, Dave Ramsey listeners. This month's total from debt-free Fridays weighs in at: $2,493,000! 2012 YTD Debt-Free Total: $5,864,000! Jay on Twitter asks how Dave feels about home warranties. Dave tells Jay to never buy one. Listen to Dave Hebrews 13:16 — "And do not forget to do good and to share with others, for with such sacrifices God is pleased." Getting Back on the Wagon Misty from My Total Money Makeover overspent on Christmas and is finding it difficult to get back on the wagon. Why is it so hard to get back on track? Ridiculous Behavior Sue in Indianapolis has a 25-year-old son who’s living paycheck to paycheck and beyond his means. He borrowed $500 from an internet company and now owes another $1,050 to them on top of the $500. What can Sue do to get him to stop this ridiculous behavior? Hiding the Inheritance Was a Mistake Heather in Los Angeles has two kids inheriting about $1 million split between them. They don’t know they’re receiving the money, and Heather has known for a while. They’re 21 and 18, and the oldest one is about to graduate from college. The 18-year-old is going to college this year. Dave thinks Heather made a mistake in not telling them about the money. Great Cars But a Dump of a House Dave rants about people who live in a dump of a house but drive a $35,000 car. Dave goes on to say the average payment is $492 a month, and 90% of cars that leave a car lot are financed or leased.