Dave talks to pastor Craig Groeschel in Oklahoma City about the devastating tornadoes that ripped through the area.

Dave warns listeners to be careful of scams when donating to organizations claiming to benefit Oklahoma tornado victims.

Rich in California has a 14-year-old son who’s working and saving. When does Rich implement saving for the future in teaching his son about finances?

Bryan in Anchorage wants to know if he should take advantage of a 403(b) withdrawal in order to buy a house. Dave wouldn’t and walks him up the Baby Steps instead.

Ellen in Seattle says her husband is about to go on disability. He’ll receive about $1,000 a month. He won’t be able to work in his field, and they owe the IRS. Should they stop paying the credit card bills in order to pay the IRS?

Eric and Sarah in Financial Peace Plaza are debt-free! They paid off $35,000 in six months, including the house! They had a large down payment on their home, and the home is worth about $175,000. They made about $75,000 last year. The down payment came from savings and work.

John in Spokane is about to finish graduate school, and his wife is about to finish her medical residency. They have $200,000 in student loans to pay off, and they make $60,000 a year. They’ve considered taking out a loan at a lower interest rate to save money. Dave tells John he isn’t aware of anyone who will give them an unsecured loan at a lower interest rate.

Dave talks about an article that suggests the wealthier you are, the happier you are.

David and Cambra in Fresno are debt-free! They paid off $24,000 in 4.5 months making $50,000 a year u to $95,000 a year. David is in the military and was promoted, and Cambra also got a job. Cambra says the budget was key.

Dave speaks with Jackie, winner of $5,000 in the Real Estate Rally.

Martin in Virginia is in banking. Since he discovered Dave in December, his entire view of finances has been turned upside down. He’s struggling with selling credit cards and loans now. How can he reconcile what he knows about finances now with selling these products?

Stephanie in Chicago says her husband has about $2,600 in savings bonds. They can turn them in for about $2,300 now. Should they use the money for debt or hold on to them until they’ve matured?

Eric in Nashville owns a small business with a couple of team members. He needs to add another project manager. What’s the best way to weed through résumés and interviewing candidates several hours away?

Ashley in Cleveland has an income problem in addition to a debt problem. Does it ever make sense to go to graduate school for a different career when she has debt? Dave thinks it depends.

Dave rants about people who go to school for degrees, take on debt to do it, and then can’t find a job to pay off the debt.

Natalie in Michigan says her friend’s daughter is going to college to become a band director. She’s taking out student loans for the private college, and Natalie wants to know what to say to her friend about this. Dave tells Natalie she needs to make sure she loves this friend enough to make her angry.

Christina in South Dakota is debt-free! She paid off the house in six years! The total was $143,000 making about $45,000 a year up to about $75,000 a year. The house is worth about $127,000 or $128,000 now. Christina and her husband Chad are only 33 and 30 years old!

Cindy in Arizona asks what the difference is between a will and a trust and what the advantages and disadvantages of each are. Dave explains.