Question: Jenny and her husband will soon receive a $22,000 inheritance. They were doing Dave's plan but fell off. They are $9,000 upside down on the car, make $82,000 a year and another $20,000 in debt. Should they pay off some of the debt and put the rest on the $24,000 car, or sell the car? Dave thinks they need to be fussed at as he gives his answer.

Dave Ramsey's advice: I want you to sell the car for one reason; to teach yourself a lesson. That car represents something in your behavior. If you don't get on the plan and change this time, you need your butt kicked. With as much money as you make, you have no excuse to live hand to mouth. You do know better, so I'm fussing at you. Sell the car and use some of this money to get out of this car and get a $5,000 paid-for car. Then work your way out of debt with the rest of that money. Also, cut up your credit cards and break the cycle.

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Bill's wife recently inherited $200,000 from her mother's estate. He wants to pay off the house but isn't so sure he shouldn't put the money aside as savings. Dave discusses the emotional side of inheriting money and paying off debts with it.

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