Question: Howard is around $300,000 in debt due to child support and medical bills. Currently he is trying to support his disabled wife and her two children on $1,200 per month. He's tired of living paycheck to paycheck and wants a change.

Dave Ramsey's answer: Being a truck driver you should be making more than $14,000 a year. You cannot keep doing what he is doing or you are going to keep getting what you are getting. To tackle this debt you need to get a new job at e new company or even a new location. Howard, you need to double or even triple your income to pay off this debt.

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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.

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Question: Nicole has been out of work for a year and a half. Since then she has had a baby and is in $60,000 of debt. Her son was born with health problems and she needs insurance to cover his needs. If she were to take on a fulltime job paying $40,000 of debt she would need to find daycare but if she were to take on a part time job she would need something that pays less that $12,000 to qualify for Medicaid. Dave says she needs to take on the fulltime job to provide hope for the future.

Dave Ramsey's answer: You need to do everything you can to pay down debt while making sure insurance covers your son's medical care. Drive an inexpensive car and try to make everything you can to get ahead and clean this mess up.

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