What do YOU drive, Dave?

Question: Brycie and her husband recently won $100,000 in America's Funniest Home Videos. They have $50,000 in cash on top of the winnings. They make $100,000 a year and owe $60,000 on cars. They want to put a pool in the backyard. Where should they start in making all that happen? Dave tells her why to start with the debt, but not before some attitude flies.

Dave Ramsey's advice: You make too much money to be as broke as you people are. You make $100,000 a year and have $60,000 in car debt. I don't care if you put a pool in your backyard, but right now you don't have the money to do it. You can buy nice toys when you can afford to pay cash for them. You can combine your winnings and your cash and pay off the cars, and that will leave you about $20,000 to build a pool. If you want a nicer pool than that, you'll need to save up for it. But you guys don't need to make as much as you do and have nothing to show for it.

I'm telling you how to build wealth, which you do by getting out of debt, saving an emergency fund and then investing using your most powerful wealth-building tool, which is your income.

• Hear Dave and Brycie's exchange