Question: Geraldo is unemployed and is trying to keep up with his credit card payments. He is about to make late payments because of his situation. He needs guidance on how to handle his $60,000 debt. Dave tells Geraldo why he MUST get an income.

Dave Ramsey's advice: You don't have a debt crisis as much as a career crisis. The bad news is you can call the credit card company and they won't care. They'll start harassing you as soon as you don't pay them. It won't gain you any favors from them to try and work with them. You're not dealing with intelligent life there.

We've got to get a game plan going. Start delivering pizzas tonight and get this car sold yesterday. You have to get something moving here. You don't have a choice about not paying the credit cards right now because you don't have any money. Keep the food going and the lights on until you get a job where you are making some money. Take care of your family first and the credit cards last, regardless of what they say they'll do to you.

• Hear the call!

Question: Lindsay has been out of school for 6 years. Her degree in business administration is broad and makes it hard for her to know how to market herself. She's never made more than $10 an hour and doesn't know how to market herself.

Dave Ramsey's advice (from special guest Dan Miller): You've got real world experience, and that's good. It's not a matter of looking until you find the perfect opportunity. Eighty five percent of finding what you want to do comes from looking inward. Find what you love to do. What are your passions, what gets you fired up? You need just 1 right application for you. Until you find what you bring to the table, you'll stay at the bottom of the ladder. But when you find it, you'll be able to rocket up out of that $10 an hour job.

• Hear Dave's special guest ... Dan!

Question: Gillian's dad, the breadwinner of the family, was injured and has cancer, so he can't work anymore. He doesn't have any disability insurance or savings, and they have big debt. They owe $34,000 on their cars. Dave has some hard news for her, and urgency in his voice.

Dave Ramsey's advice: They have no income now. The cars need to be up for sale. They can't keep them because they are broke. There is NO POSSIBLE scenario that they keep these cars. Here's what will happen, if they are smart ... your mom should go to work. She's only 54 years old, and if she lives another 40 years, that's a long time to live while being broke.

The deal is this ... these people are completely without income. They have a long time to live without income, so they MUST CREATE SOME! I'm not being harsh with someone who is in poor health, but they need to make some income. They are so much in denial of their situation, they've got you in denial too! Getting rid of the house or the car or the credit card debt doesn't solve things. They must create income!

• Hear Dave get urgent!