Rebecca in Vancouver recently discovered her husband accumulated credit card debt behind her back while trying to start an online business. She wants to know how to go about addressing the problem since it isn’t the first time it’s happened. Dave thinks it’s time for her husband to address his issues.

Jennifer and Ben in Fargo are debt free! They’ve paid off $15,000 in 11 months. They call Dave to celebrate with a debt free scream.

Daphne on Facebook wants to know if she should invest the money in her kids’ savings accounts for college. Dave explains how each savings account should have a mission.

A listener wants to know if he should focus on paying off debt when he goes back to college or focus on paying cash for school with no loans since work will reimburse him about 75% of the cost. Dave explains why paying cash is the best solution.

Michelle in Nashville is a stay-at-home mom of four and believes her marriage is at stake because of their financial situation. They’ve been through Financial Peace University, but her husband is lying about their finances. Dave believes Michelle’s husband is afraid.

Pam in Dallas just started working the baby steps. She has two credit cards, and one is offering her a 30% rate. She doesn’t want to close them because they have no savings and quite a bit of debt. Dave attempts to calm Pam and encourages her to make a written budget each month no matter what so that they can get on the same page.

Jim in Dallas is debt free! He and his wife have paid off $200,000 and made an entire lifestyle change. He’s calling Dave to do their debt free scream!

Kelly in Omaha is debt free except for her mortgage. Her husband’s family recently came to visit, and her sister-in-law pitched a business opportunity to her husband. Kelly is uncomfortable with it but wants to know how to communicate her concerns to her husband. Dave explains how to say no gracefully.

Seth and Ally in Mobile are debt free! They’ve paid off $45,000 in 13 months on a $105,000 a year income.

Lola in Seattle has been working the baby steps and is thinking of starting a home staging business. Lola wants to take a class to learn how to do home staging. Dave disagrees that you need to take a class to become a home stager.

Denise in Michigan graduated from school two years ago but hasn’t found a permanent job yet. She wonders if there is a good way to begin saving for retirement on her own but still allow for employer benefits in the future. Dave gives her a rundown of her options.

Sue in South Carolina wants to know if she should get out of the stock market. Dave says she should remain invested in mutual funds—not the stock market—if she’s able to leave it alone five years or longer.

Gary in Germany is debt free! He paid off $50,000 in nine months and calls in to scream with his wife and son.

Connie and Rodney came to Financial Peace Plaza to do a debt free scream. They’ve paid off $109,000 in 29 months making $100,000 a year.

Nancy in Cincinnati wants to know how to motivate and support her husband in a job that doesn’t appreciate and compensate him accordingly. Dave says he should be continuing to look for another job but have something else lined up before he makes the leap. Dave also recommends some books.

Blake in Orlando is debt free! He paid off $45,000 in nine months making $100,000 a year!

Tina in Michigan has a house in foreclosure proceedings. Her husband lost his job in April, and they’ve been behind on payments since then. Tina is worried his wages will be garnished once he finds a job. Dave tells Tina to concentrate on finding a job now and worry about the house later.

Ben in Missouri is calling to say he’s debt free! He and his wife have paid off $48,000 in 20 months making $70,000 a year. Ben says the best thing now is that his job is in jeopardy, but he has options now.

Tonya in Columbus is debt free but the house. Tonya started her own business, they’re receiving unemployment, and they have eight months of savings. She just totaled her car, and the insurance company isn’t offering market value for the car. Dave tells her she needs to be pushier with the adjustor and ask for market value.

Rachel in Atlanta is calling to say she’s debt free! She paid off $12,000 in debt making $21,000…in 11 months!

Tommy Tommy from Twitter wants to know what the things are a couple should agree on before they get married.

Rick in Birmingham is trying to figure out what to do with a house they took over payments for a few years ago from Rick’s father. More is owed on the house than it’s worth. Dave helps Rick sort through the situation.

Cory and his wife in Texas are debt free! They’ve paid off $88,000 in 12 months on a $140,000 income.

Samuel in Atlanta is calling to say he’s debt free! He’s paid off $93,000 in 35 months—including the mortgage!

Stephanie and Michael in Dallas paid off $21,000 in eight months making $60,000 a year. They’re debt free and still in school!