Debt

Debt and income crisis

Bill has a lot debt, and little income, as he finds himself starting over financially in life. He asks about using a consolidation company, but Dave urges him to stay away from those types of things.

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Your habits need to change

Walter wants to use a credit consolidation option to help pay down $40,000 in debt. Dave advises against this, saying the biggest problems Walter faces are his own habits and behaviors.

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Leasing equals financing

Monica wants to know what Dave thinks about leasing cell phones. It comes as no surprise to find Dave is not a fan.

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They're incompetent

Jeffa's husband has student loan debt, and his loan servicer has lost all information pertaining to the loans. Dave tells them to keep bugging the servicer until they find someone smart enough to solve the problem.

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