Jess in Germany and her husband added both of their mothers to their cell phone plan when they lived in the States. Even though they’re no longer there, they’re still paying the $120 bill each month for them. Their moms are on disability income, and they can’t afford cell phones. Should they drop this plan?

Rebecca in Los Angeles and her husband make $55,000, and they have $62,000 in student loans. They expect to only be able to pay about $8,000 a year toward these student loans. They’re renting for $1,200 a month right now, and they both work part-time. Dave thinks their biggest problem is their unwillingness to work.

Ashley and Matt in Dallas are debt-free! They paid off $61,000 making $85,000 a year in 31 months. They called Dave to celebrate with a debt-free scream.

Susan in Lexington is Christian and believes the world is near end times. Should she be preparing by stockpiling food or other things?

Matthew on Twitter asks if rental property debt should be included in the debt snowball. Dave says no.

Dave rants about people who think the world is coming to an end and how that changes your perspective on investing and on your life.

Charles in Salt Lake City is about to receive $460,000 due to the sale of a property he obtained through an inheritance. He owes $80,000 on his home, makes $30,000 a year, and has no debts. He is 60 years old and didn’t graduate from high school or college. Dave has some cautionary advice for Charles.

Sue in Pennsylvania says her husband recently retired from teaching, and now they have to choose a retirement option. Should they go with the pension maximization and buy life insurance or take another option? After laying out the options, Dave helps Sue determine what the best one is.

Jordan on Twitter asks how he can make the most on his money for two to four years. Dave says he can’t.

Dan in Financial Peace Plaza is debt-free! He traveled from Cleveland with his family after paying off $35,000 in three years making about $75,000 a year. Dan originally thought Dave was a jerk and refused to get on board for a while.

Dee Dee in Utah wants to start a small business, but her husband doesn’t want to start it with debt. She has applied for a patent, and she was considering a partnership but heard Dave say that was a bad plan. How does she build a team with no revenue to pay them?

Chad in Florida wants to know if he should sell a rental to pay off debt. He makes $52,000 a year, and the property is worth about $60,000. After getting the numbers, Dave thinks he should.

John and Emily in Financial Peace Plaza are debt-free! They traveled from Kentucky after paying off $150,000 over two years making $150,000 a year up to $225,000 a year. They are both nurse practitioners. They paid off their house!

Tim in Tampa doesn’t have any outstanding bad debt, but he has $21,000 in student loans that are in income-based repayment. He and his wife want to buy a house, but they don’t have enough credit to do so. How can he get his credit up to buy a house?

Ed in Pennsylvania is getting married, and they’re going to open a joint checking account. Keeping a check register for them is difficult since Ed travels two weeks a month. Does Dave have any suggestions for that or just rely on the online access to the account?

Cindy in San Antonio and her husband have $12,000 saved going toward their house. They have a $20,000 car loan at $560 a month. Cindy wants to sell it. They make about $90,000 a year. Dave suggests keeping the car and paying it off if they like it.

Sarah in Phoenix says her husband was in a fatal car accident when he was 18. He has a criminal restitution order, and it’s been 20 years since the accident. They own a home and attempted to refinance but can’t because of the restitution. It’s $232,000 at 10% interest. They make $90,000 a year, and the home is worth about $300,000. They owe $200,000. Dave advises hiring an attorney.

Nancy in Texas is a teacher and took out $8,600 in retirement when she moved from Oklahoma. She’s received advice to buy back the service years she lost when she did that. It would cost $88,000 to buy them back. Her pension will be $49,000 a year without buying them back and $62,000 a year if she does. Dave disagrees that buying the years back is a good idea.