Janet in Delaware and her husband have a paid off condo they’re trying to sell. They have an approved buyer with a down payment, the appraisal is good, but the buyer can’t get financed. What should they do? Dave says they need to keep looking for a lender to do a nonconforming loan.

Amy in South Carolina is a single mom living on alimony and child support while looking for a job. She took a little while to grieve, and she wants to thank Dave for that advice.

Dave reads some comments from listeners.

Erica in Fresno has fallen behind on her bills, and there’s a credit card bill in collections. She received some inheritance from her mother’s death and paid off all the credit cards but one. This credit card is in collections, and they won’t accept a payment. What does she do? Dave tells her to get nasty with them.

Steven in Knoxville is driving a company vehicle, and the company is phasing those out. He needs to get his own vehicle and will be given an allowance. He needs a newer car. Dave explains that he needs to talk to his boss and find out if he can get some leeway to work up to a newer car.

Terri in Dallas and her husband are discussing whether or not he can buy a truck and trailer to go into the oil field business. He could potentially make $3,000-$4,000 a week. They’re $100,000 in debt. Dave tells Terri that if this doesn’t work, she’s bankrupt.

Amy in Bowling Green and her husband own a business that didn’t do well, and they are behind on their mortgage. They’ve found other jobs, but the bank isn’t willing to wait for them to catch up on the payments. Dave thinks they’re about to foreclose.

Mike in Minneapolis has $43,000 in a traditional IRA. He’s thinking about converting to a Roth IRA. He has another $10,000 in a Roth IRA and about $9,000 in his emergency fund. Should he convert it? Dave advises Mike that he’s going to have to pay taxes on it and only comes ahead if he doesn’t pay taxes out of his IRA.

Barbara in Orlando and her husband are both employed by NASA’s primary contractor and losing their jobs. Should they stop their debt snowball and pile up cash? Dave agrees with that idea.

Dave reads some comments from listeners.

Shannon in Kansas City and her husband have enough extra money coming in that they could pay off a student loan. However, they’re a little bit upside down on the second mortgage and wonder if they should put it on the house. Dave tells her to follow the Baby Steps and pay it toward the student loan.

Gerald in Houston and his wife have a paid-for house, and they have no debt. His wife is losing her job as a NASA subcontractor. When is it okay to make some large purchases without fear of the sky falling? Dave advises getting through the job storm first.

Debbie in Fargo can’t get her husband on board, but they are getting a large tax refund. It will pay off about 20% of their outstanding debt. Her husband isn’t willing to sacrifice anything to get through Baby Step 2. How does she get him on board? Dave recommends a different approach than Debbie tried.

Jennifer in Dallas wants to know how long they should keep her husband’s beater car before they replace it. Their emergency fund has been wiped out due to car repairs. Dave thinks it’s okay to get a different beater, but they need to keep something ugly and cheap.

Sonya in Dallas has a small business, and it’s making a profit. Her husband wants to leave corporate America to run the business with her. It isn’t making enough for him to leave yet. Dave advises against him leaving until it’s making enough to feed their family.

George in Memphis is dealing with a collection agency and received a settlement offer, but they refused to put it in writing. A supervisor agreed to put it in writing, but he still hasn’t gotten it. Dave tells George to get it in writing or forget the settlement.

Valerie in Oregon has a first mortgage and a second mortgage, and it will increase in June. She and her husband are unable to refinance with their credit, and they are upside down on the house. Dave thinks they have two choices: ride out the storm or short sell the house.

A Twitter listener listener wants to know if using his tax refund to fund Baby Step 1 is cheating. Dave says no but he needs to adjust his W-2s.

Jonathan in Oklahoma City and his wife filed bankruptcy about a year and a half ago. They have $50,000 in debt left, most of which is student loans and car payments. He’s concerned about his FICO score. Dave tells him he needs to stop borrowing money and worrying about his FICO score.

Jimmy in Kansas has old debts that are older than seven years old. Should he pay those off? Dave says yes because they never go away even if they’re written off.

Andrew in Houston has $30,000 or $40,000 in debt, and he has garnishments on his paychecks. He doesn’t know how to get rid of the garnishments and doesn’t know much about money. What does he do? He’s making $90,000 a year. Dave first advises working with the student loan company to pay them, and then he needs a budget.

Cindy in Orlando is getting laid off from a NASA contractor, and he has a house with some equity. She’s a single mom and has a $25,000 medical bill each month after the layoff because she has cancer. Dave tells her to pay off the house, and she needs to retool her skill set.

Troy in San Jose is about $80,000 in debt with a line of credit and credit cards. He’s making about $250,000 and has paid off $65,000 this year. He travels constantly and doesn’t see his family, and their house in California is $80,000 underwater. What does he do now? Dave advises him on how to begin saving.