Aaron in Nashville and his wife have been married for nine months and are in Baby Step 2. They’ve got a big student loan left to go. They work second jobs and have gotten gazelle intense. They rent their home, and they’re considering buying a house now. Dave tells Aaron now is not the time to buy a house.

Joey in San Francisco attended private college and has a Sallie Mae loan. His parents also took out a Parent PLUS loan. The payment on that one is $500 a month and more than Joey can pay. His parents filed bankruptcy and are struggling financially. Is there a way to get this loan in Joey’s name?

Dawn in Ann Arbor and her husband have a first mortgage and a second mortgage. They live in a manufactured home, and they owe a total of $130,000. It would sell for about $90,000, and they make $55,000 a year. What do they do about this house?

Tony in Indianapolis was served yesterday with a summons from Washington Mutual. It does have a court location listed on it. Dave thinks it may not be a real summons but a scare tactic instead.

Holly in Mississippi is calling because she got a month behind on the mortgage. GMAC sent a statement with $4,000 in fees now owed, and Holly was told if she sent $2,700, that would repair the damage. They’re still saying she owes $4,000 and taking the mortgage payments. Now it’s three months late. Dave recommends calling someone different at GMAC every day.

Brandon in Illinois says his dad owns a business, and his brother is going into business with their dad. His dad is concerned about leaving the business to his sons equally even though Brandon isn’t going into the business. Dave explains how to best handle it.

John in Dallas has 21 rental properties. Would he be better served to have this money in rental properties or traditional retirement methods and investments? The average debt on each property is $35,000 or $40,000. They’re worth somewhere between $50,000 and $75,000. Dave thinks John is carrying way too much risk.

Nathan in Tucson owns a business that does waterfalls. He pays a transaction privilege tax to the state of Arizona. Because he was unable to pay that tax when times were lean, he now has a lien against his home, and his bank account has been cleaned out at least once. They’re offering a payment plan. Should he take it?

Ruby in Oklahoma inherited a family ring worth about $62,000. She’s working through the Baby Steps and is interested in selling it. Her family doesn’t mind, but Ruby doesn’t know how to go about selling it. Dave gives Ruby some ideas.

Barbara in Joplin and her husband have been working through Baby Step 2 for about a year. They bought their first house several years ahead of time, and they want to do some renovations with cash. However, they don’t know how to do it while they’re going through the Baby Steps. Dave says it should start after Baby Step 3.

John in Texas says his wife wants to send her ex-husband money. She calls it charity. John feels as though it’s financial infidelity. What’s going on here?

Dave reads comments from listeners.

Jessica in Raleigh and her husband sold their home to an investment company because it was in another state and her husband is in the military. The company has been making the payments but lagged on them in the last few months. The mortgage is still in her husband’s name. Dave tells Jessica they’ve created a mess.

Dave reads comments from listeners.

Shawn in Texas is calling because he and his wife have two small businesses they’re running separately. They take a lot of their time, and they have two small children. They’re considering closing one of the businesses to focus exclusively on one. What does Dave say?

Linda in Nashville and her husband own a home out of state. They had renters but evicted them. They went to mediation and agreed to pay $10,000. However, the renters haven’t paid what they owe Linda. What’s the best way to deal with them now?

Elizabeth in Phoenix and her husband are on two different pages when it comes to handling their finances. They’re going through FPU and trying to get on track. Elizabeth thinks she’s the problem because she’s worried about living below their means but meeting the family needs as well. Dave says this doesn’t make any sense after hearing the details.

Emily in Houston and her husband have a 30-year mortgage for $137,000. They have a 5% interest rate and are paying $200 more a month to knock the interest down. She would like to refinance to a 15-year at 3%, but her husband is nervous because of $6,000 in closing costs. Dave crunches the numbers to give Emily an answer.

Crystal in Orlando met her boyfriend two years ago. He was married when they met but had been separated from his wife for 10 years and lived 300 miles away. They’re finally divorcing, and the ex-wife refuses to get a job. Crystal’s boyfriend can no longer support her. Dave doesn’t think he can help Crystal in this situation.

Jeremy in New Orleans is a dialysis patient waiting to receive a kidney. He and his wife both have student loan debt and are accumulating hospital bills as well. They’ve received some donations. Should they use some of that money to pay bills?

Jeremy in Dallas is 23 and has been married for two and a half years. He’s completing his bachelor’s’ degree while his wife is starting a small business on the side. They’ve been told they need business insurance. If so, what kind and should they do anything else?

Stacey in Los Angeles sits on a church board, and they have $1 million in annual operating costs. The church is debt-free and has assets between $7 million and $10 million. The have a $2 million projection to expand the church with $580,000 in the building fund. They haven’t contributed to that fund in years. Stacy wants to acquire rental properties to fix this. Dave thinks he’s avoiding the real problem.

Chris from My Total Money Makeover wants to know what you can to friends and family when you’re getting out of debt and can’t do things with them. Dave tells Chris you won’t convince them until you’ve met your own goals.

Carlos in Tennessee wants to know what to do when God is telling you to move on from a job. Dave gives Carlos his thoughts on the subject.

Tracey in Virginia and her husband recently married and have a blended family. They filed their taxes and are getting a refund, but one of their daughters is getting married a year from May. Should they place the refund toward the debt or save for their daughter’s wedding?

Donna in Nashville and her husband recently became the guardians of two preschoolers. They also had to pay for Donna’s mother’s funeral. It’s put them in a hole. Her husband also has a $22,000 credit card debt, and his wages are being garnished. He’s also received a summons for the same card. Dave suspects the company thinks he’s hiding assets.